Financial Snapshot

Revenue
$2.020M
TTM
Gross Margin
Net Earnings
-$4.295M
TTM
Current Assets
Current Liabilities
$10.20M
Q3 2024
Current Ratio
Total Assets
Q3 2024
Total Liabilities
Q3 2024
Book Value
$39.87M
Q3 2024
Cash
Q3 2024
P/E
-2.165
Nov 29, 2024 EST
Free Cash Flow
-$5.377M
TTM

Revenues

Revenues

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Revenue YoY Change

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Revenues

Concept 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995
Revenue $2.958M $2.899M $22.87M $20.31M $21.63M $23.23M $24.36M $26.13M $26.56M $22.33M $23.25M $23.79M $19.88M $26.79M $29.46M
YoY Change 2.04% -87.32% 12.6% -6.1% -6.9% -4.63% -6.76% -1.65% 18.98% -3.96% -2.26% 19.62% -25.78% -9.05%

Expenses

Cost Of Revenues

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Gross Profit

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Gross Profit Margin

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Gross Profit

Concept 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995
Revenue $2.958M $2.899M $22.87M $20.31M $21.63M $23.23M $24.36M $26.13M $26.56M $22.33M $23.25M $23.79M $19.88M $26.79M $29.46M
Cost Of Revenue
Gross Profit
Gross Profit Margin

Selling, General & Admin Expense

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Research & Development

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Depreciation, Depletion & Amortization

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SGA Expense to Gross Profit Ratio

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R&D To Gross Profit Ratio

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DDA To Gross Profit Ratio

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Operating Expenses Total

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Operating Profits/Loss

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Operational Expenses

Concept 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995
Selling, General & Admin $481.0K $505.0K $505.0K $160.0K $244.0K $416.0K $801.0K
YoY Change -4.75% 0.0% 215.63% -34.43% -41.35% -48.06%
% of Gross Profit
Research & Development $417.0K $398.0K $410.0K $432.0K $412.0K $441.0K $291.0K $311.0K $350.0K
YoY Change 4.77% -2.93% -5.09% 4.85% -6.58% 51.55% -6.43% -11.14%
% of Gross Profit
Depreciation & Amortization $1.000M $1.100M $1.000M $1.000M $965.0K $793.0K $897.0K $900.0K $1.415M $1.052M $1.079M $1.172M $1.369M $1.534M $1.723M $1.930M $1.710M $1.580M $1.550M $1.420M $1.330M $1.430M $1.370M $1.350M $1.430M $1.260M $910.0K $880.0K $530.0K $460.0K
YoY Change -9.09% 10.0% 0.0% 3.63% 21.69% -11.59% -0.33% -36.4% 34.51% -2.5% -7.94% -14.39% -10.76% -10.97% -10.73% 12.87% 8.23% 1.94% 9.15% 6.77% -6.99% 4.38% 1.48% -5.59% 13.49% 38.46% 3.41% 66.04% 15.22% -41.03%
% of Gross Profit
Operating Expenses $497.0K $903.0K $915.0K $592.0K $0.00 $714.0K $48.00K $894.0K $1.465M
YoY Change -44.96% -1.31% 54.56% -100.0% 1387.5% -94.63% -38.98%
Operating Profit -$170.0K -$272.0K -$836.0K $662.0K -$23.41M -$39.53M
YoY Change -37.5% -67.46% -226.28% -102.83% -40.78%

Interest Expenses

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Interest Expenses To Operating Income %

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Other Expense/Income

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Interest & Other Expense/Income

Concept 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995
Interest Expense $11.46M $4.911M $2.399M $4.420M $5.631M $6.141M $5.280M $4.918M $4.605M $3.942M $3.951M $4.878M $8.053M $9.455M $11.01M
YoY Change 133.31% 104.71% -45.72% -21.51% -8.3% 16.31% 7.36% 6.8% 16.82% -0.23% -19.0% -39.43% -14.83% -14.11%
% of Operating Profit 736.86%
Other Income/Expense, Net $2.667M $2.767M $2.659M $1.749M $1.776M $2.216M $2.705M $3.301M $2.828M $7.990M $7.735M $10.52M $11.05M $9.677M $9.133M
YoY Change -3.61% 4.06% 52.03% -1.52% -19.86% -18.08% -18.06% 16.73% -64.61% 3.3% -26.49% -4.75% 14.16% 5.96%

Income/Loss

Pretax Income

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Income Tax

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Net Profits/Loss

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Pretax Income YoY Change

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Income Tax Rate

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Net Profits/Loss YoY Change

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Basic EPS

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Net Income To Revenue Ratio

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Pretax & Net Income

Concept 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995
Pretax Income -$2.977M -$4.401M -$847.0K -$3.900M -$5.420M -$5.800M $5.320M -$2.730M -$42.00K -$387.0K -$844.0K $45.00K -$23.74M -$23.75M -$3.887M -$9.870M $3.220M $1.000M $5.100M $4.170M $7.330M $6.860M $5.600M -$290.0K -$1.030M -$5.950M $2.250M -$3.020M $1.360M $1.520M
YoY Change -32.36% 419.6% -78.28% -28.04% -6.55% -209.02% -294.87% 6400.0% -89.15% -54.15% -1975.56% -100.19% -0.05% 511.06% -60.62% -406.52% 222.0% -80.39% 22.3% -43.11% 6.85% 22.5% -2031.03% -71.84% -82.69% -364.44% -174.5% -322.06% -10.53% 35.71%
Income Tax $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 -$33.00K $119.0K $128.0K $166.0K $102.0K $328.0K -$961.0K $15.72M -$2.866M -$3.200M -$890.0K -$1.100M $1.330M $1.520M $2.490M $3.030M $880.0K $100.0K $110.0K -$1.500M $1.200M -$1.280M $610.0K $670.0K
% Of Pretax Income -0.62% 728.89% -27.64% -110.0% 26.08% 36.45% 33.97% 44.17% 15.71% 53.33% 44.85% 44.08%
Net Earnings -$2.977M -$4.401M -$847.0K -$3.896M -$5.423M -$5.936M $5.354M -$2.853M -$2.853M -$272.0K -$836.0K $662.0K -$23.41M -$39.47M -$1.021M -$7.020M $3.960M $2.100M $3.770M $2.650M $4.840M $3.830M $4.710M -$390.0K -$1.140M -$4.450M $1.050M -$1.740M $750.0K $840.0K
YoY Change -32.36% 419.6% -78.26% -28.16% -8.64% -210.87% -287.66% 0.0% 948.9% -67.46% -226.28% -102.83% -40.7% 3765.82% -85.46% -277.27% 88.57% -44.3% 42.26% -45.25% 26.37% -18.68% -1307.69% -65.79% -74.38% -523.81% -160.34% -332.0% -10.71% -22.22%
Net Earnings / Revenue -100.64% -151.81% -3.7% -19.19% -25.08% -25.55% 21.98% -10.92% -10.74% -1.22% -3.6% 2.78% -117.72% -147.33% -3.47%
Basic Earnings Per Share -$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 -$242.30 -$0.79
Diluted Earnings Per Share -$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 -$232.5M -$6.375M -$43.87M $23.29M $12.35M $22.18M $15.59M $28.47M $22.53M $27.71M -$2.600M -$7.600M -$29.67M $7.000M -$12.43M $5.357M $6.000M

Assets & Liabilities

Cash & Short-Term Investments

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Cash & Equivalents

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Cash To Operating Expenses Ratio

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Inventory

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Receivables

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Total Short-Term Assets

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Property, Plant And Equipment

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Long-Term Investments

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Total Long-Term Assets

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Total Assets

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Net Income To Total Assets Percentage

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Accounts Payable

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Short-Term Debt

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Long Term Debt Due

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Total Short-Term Liabilities

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Long-Term Debt

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Other Long-Term Liabilities

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Total Long-Term Liabilities

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Total Liabilities

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Short-Term To Long-Term Debt Ratio

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Short-Term Assets To Debt Ratio

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Long-Term Debt To Net Income Ratio

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Assets & Liabilities

Concept 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995
Cash & Short-Term Investments
YoY Change
Cash & Equivalents
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
Property, Plant & Equipment $12.41M $15.49M $17.41M $20.00M $23.00M $5.100M $3.000M $5.400M $6.000M $7.100M $7.800M $8.600M $9.600M $11.00M $12.10M $15.20M $15.80M $14.60M $13.20M $13.70M $11.70M $10.20M $10.30M $10.40M $11.20M $11.90M $11.50M $11.30M $10.00M $4.300M
YoY Change -19.85% -11.07% -12.94% -13.04% 350.98% 70.0% -44.44% -10.0% -15.49% -8.97% -9.3% -10.42% -12.73% -9.09% -20.39% -3.8% 8.22% 10.61% -3.65% 17.09% 14.71% -0.97% -0.96% -7.14% -5.88% 3.48% 1.77% 13.0% 132.56%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets $0.00 $14.30M $10.20M $8.100M
YoY Change -100.0% 40.2% 25.93%
Total Long-Term Assets
YoY Change
Total Assets $756.8M $723.2M $735.3M $676.7M $578.8M $563.7M $693.9M $687.9M $739.1M $675.8M $639.8M $638.3M $641.2M $709.2M $805.5M $791.4M $796.2M $739.5M $661.4M $626.4M $538.8M $509.8M $450.3M $424.5M $420.1M $416.5M $437.5M $423.6M $367.7M $368.0M
YoY Change
Accounts Payable
YoY Change
Accrued Expenses $10.62M $13.17M $14.39M $16.00M $18.20M
YoY Change -19.41% -8.48% -10.04% -12.09%
Deferred Revenue
YoY Change
Short-Term Debt $0.00 $1.000M $0.00 $5.300M $31.90M $36.30M $88.20M $75.70M $48.50M $19.90M
YoY Change -100.0% -83.39% -12.12% -58.84% 16.51% 56.08% 143.72%
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities $10.62M $13.17M $14.39M $16.00M $18.20M $1.000M $5.300M $31.90M $36.30M $88.20M $75.70M $48.50M $19.90M
YoY Change -19.41% -8.48% -10.04% -12.09% -83.39% -12.12% -58.84% 16.51% 56.08% 143.72%
Long-Term Debt $106.0K $187.0K $43.00K $0.00 $0.00 $13.40M $13.40M $18.40M $18.40M $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 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
YoY Change -43.32% 334.88% -100.0% 0.0% -27.17% 0.0%
Other Long-Term Liabilities $10.34M $13.31M $21.77M $14.70M $9.300M $15.00M $16.70M $11.90M $12.00M $11.00M $8.900M $9.400M $8.600M $8.200M $9.000M $8.700M $9.900M $12.20M $13.90M $11.80M $16.20M $12.60M $13.00M $7.400M $7.000M $6.300M $2.100M $2.100M $2.000M $2.400M
YoY Change -22.33% -38.86% 48.08% 58.06% -38.0% -10.18% 40.34% -0.83% 9.09% 23.6% -5.32% 9.3% 4.88% -8.89% 3.45% -12.12% -18.85% -12.23% 17.8% -27.16% 28.57% -3.08% 75.68% 5.71% 11.11% 200.0% 0.0% 5.0% -16.67%
Total Long-Term Liabilities $10.44M $13.50M $21.81M $14.70M $9.300M $28.40M $30.10M $30.30M $30.40M $11.00M $8.900M $9.400M $8.600M $8.200M $9.000M $8.700M $9.900M $12.20M $13.90M $11.80M $16.20M $12.60M $13.00M $7.400M $7.000M $6.300M $2.100M $2.100M $2.000M $2.400M
YoY Change -22.62% -38.13% 48.37% 58.06% -67.25% -5.65% -0.66% -0.33% 176.36% 23.6% -5.32% 9.3% 4.88% -8.89% 3.45% -12.12% -18.85% -12.23% 17.8% -27.16% 28.57% -3.08% 75.68% 5.71% 11.11% 200.0% 0.0% 5.0% -16.67%
Total Liabilities $714.5M $678.0M $680.2M $624.4M $529.9M $516.6M $641.9M $640.5M $687.2M $622.1M $588.3M $581.7M $587.4M $685.5M $743.8M $727.1M $742.3M $688.4M $612.7M $580.6M $494.2M $468.8M $413.6M $392.4M $387.5M $385.3M $401.9M $389.6M $332.9M $333.2M
YoY Change 5.38% -0.33% 8.94% 17.83% 2.57% -19.52% 0.22% -6.8% 10.46% 5.75% 1.13% -0.97% -14.31% -7.84% 2.3% -2.05% 7.83% 12.36% 5.53% 17.48% 5.42% 13.35% 5.4% 1.26% 0.57% -4.13% 3.16% 17.03% -0.09%

Ownership

Basic Shares Outstanding

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Diluted Shares Outstanding

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Preferred Stock

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Treasury Stock Shares

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Stock Issuance & Repurchase

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Ownership Data

Return On Shareholders' Equity

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Book Value

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Free Cash Flow

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Free Cash Flow YoY

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Free Cash Flow Margin

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Dividends

Dividends

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Stock Price

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Market Cap: $9.2997 Million

About CARVER BANCORP INC

Carver Bancorp, Inc. operates as a holding company. The company is headquartered in New York City, New York and currently employs 113 full-time employees. The firm conducts business as a unitary savings and loan holding company. Carver Federal is engaged in a range of consumer and commercial banking services. Carver Federal provides deposit products, including demand, savings and time deposits for consumers, businesses, and governmental and quasi-governmental agencies in its local market area within New York City. In addition to deposit products, Carver Federal offers a number of other consumer and commercial banking products and services, including debit cards, online account opening and banking, online bill pay and telephone banking. Carver Federal offers loan products covering a variety of asset classes, including commercial and multifamily mortgages, and business loans. Carver Federal also offers a suite of products and services for unbanked and underbanked consumers, branded as Carver Community Cash.

Industry: Savings Institution, Federally Chartered Peers: Eureka Homestead Bancorp, Inc. Rocket Companies, Inc.