MARKETS / BALCAO / CARV
BALCAO · SAVINGS INSTITUTION, FEDERALLY CHARTERED · SMALL CAP

Carver Bancorp, Inc. CARV

16 fiscal years on record · USD · FY2024 reported
SEC FILINGS ONLY
Revenue · FY2024
$3.0M
▲ 1.5% vs FY2023
EPS · FY24
$-2.65
Dividend / sh · FY24
Payout · FY24
ROE · FY24
-38.2%
Net margin · FY24
-457.7%
Dividend coverage
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Result
USD 3.0M
Revenue, FY2024 · full 16-year series below
Revenue Net income
0.0080.0160.0240.0320.0-0.0200920122015201820212024
0.0080.0160.0240.0320.0-0.02015201820212024

The company lost 458 cents on every revenue dollar this year.

Per share
USD -2.65
Diluted EPS, FY2024
EPS
0.40.81.2-2.65200920122015201820212024
0.40.81.2-2.652015201820212024

The company pays no cash dividend.

Profitability
-38.2%
Return on equity, FY2024
ROE
4812-38.2%200920122015201820212024
4812-38.2%2015201820212024
Operating margin
Net margin-457.7%
Return on assets-1.8%

Each USD of equity lost 38 cents this year.

Returned to shareholders
returned in FY2024 · dividends + net buybacks
Dividends paid
Net buybacks
Share of profit
Consecutive raises

Growth
revenue, compounded over five years
CAGR
3 yrs
5 yrs
10 yrs
15 yrs
Revenue
−15.5%
−14.1%

Compound annual rates per period — left blank where the series crosses a loss.

Share base
0.01B
Shares outstanding, FY2024
0.000.01200920122015201820212024
0.000.012015201820212024
Change, 5 years+42.8%
Change, 10 years+43.0%

The share count grew 43% in five years — the same company, cut into more, smaller slices.

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Balance sheet
USD 730.0M
total assets, end of FY2024
Total assetsUSD 730.0M
EquityUSD 29.6M
CashUSD 50.3M
Gross debtUSD 20.2M
Net debtUSD -30.1M
DepositsUSD 661.8M

The company holds more cash than debt.

History
16 fiscal years
Every figure from documents filed with the SEC · USD
Metric
2024
2023
2022
2021
2020
2019
2018
2017
2016
2015
2014
2013
2012
2011
2010
2009
Revenue $B
0.0
0.0
0.0
0.0
0.0
·
·
·
·
·
·
·
·
0.0
0.0
0.0
Operating income $B
·
·
·
·
·
·
·
·
·
−0.0
−0.0
−0.0
0.0
−0.0
−0.0
−0.0
EBITDA $B
·
·
·
·
·
·
·
·
·
0.0
0.0
0.0
0.0
−0.0
−0.0
−0.0
Income tax $B
0.0
0.0
0.0
0.0
0.0
0.0
0.0
−0.0
0.0
0.0
0.0
0.0
0.0
−0.0
0.0
−0.0
Net income $B
−0.0
−0.0
−0.0
−0.0
−0.0
−0.0
−0.0
0.0
−0.0
−0.0
−0.0
−0.0
0.0
−0.0
−0.0
−0.0
EPS, diluted $
−2.65
−0.61
−1.03
−0.24
−1.14
−1.47
−1.60
0.58
−0.77
−0.48
−0.07
−0.23
0.18
−14.26
·
·
Dividend / sh $
·
·
·
·
·
·
·
·
·
·
·
·
·
·
·
·
Payout %
·
·
·
·
·
·
·
·
·
·
·
−0
0
−2
−0
−97
ROE %
−38.2
−6.8
−8.8
−1.6
−7.7
−11.3
−12.0
10.8
−5.7
−5.4
−0.5
−1.5
1.2
·
·
·
Shares out B
0.01
0.01
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
·

Slide the table for earlier years · "·" marks figures not disclosed in the filing for that year.

How we verifyAUDITED
29 of 29
checks passed before publication
EPS recomputationBalance-sheet identityGross profitBalance-sheet liquidity

Every figure was compared against the original statement: 0 failures and 0 presentation gaps.

What we don’t show

We’d rather say what’s missing than fill the gap with an estimate.

P/E rationeeds a market quote — not yet licensed
Market capitalizationneeds a market quote — not yet licensed
Dividend yieldneeds a market quote — not yet licensed
Price-to-bookneeds a market quote — not yet licensed