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CARVER BANCORP INC

CARV

— Price unavailable

17 Visible periods

34 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Poor

Bearish

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Analytical Summary

CARVER BANCORP INC faces fundamental challenges with weakness in Return on Common Equity (%) and Profit Margin (%). The fundamentals warrant careful consideration of downside risks.

Market Cap —

Dividend Yield —

Revenue Growth -24.1% ↘

Op. Margin None

ROIC None

FCF / Share None

Trailing P/E —

Price / Book —

FCF Yield —

Debt / Equity 0.68

info Valuation on last close.

17-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$22.24M

↓ -24.1% —

Net Income Profit after all expenses

$-13.74M

↓ -361.7% —

Operating Margin Operating profit as % of sales

-0.6%

↓ -138.7% —

Long-Term Debt Long-term obligations

$20.22M

↓ -56.5% —

trending_up

Bullish Indicators

No bullish signals detected.

warning

Bearish Risks

Profit Margin (%)Profit Margin (%) is in the bottom quartile
Return on Common Equity (%)Return on Common Equity (%) is in the bottom quartile

Health Breakdown

Profitability ↓

Returns ↓

Financial Health ↑

Financial view

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📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Mar 31, 2025 10-K ↗	FY 2024 Mar 31, 2024 10-K ↗	FY 2023 Mar 31, 2023 10-K ↗	FY 2022 Mar 31, 2022 10-K ↗	FY 2021 Mar 31, 2021 10-K ↗	FY 2020 Mar 31, 2020 10-K ↗	FY 2019 Mar 31, 2019 10-K ↗	FY 2018 Mar 31, 2018 10-K ↗	FY 2017 Mar 31, 2017 10-K ↗	FY 2016 Mar 31, 2016 10-K ↗	FY 2015 Mar 31, 2015 10-K ↗	FY 2014 Mar 31, 2014 10-K ↗	FY 2013 Mar 31, 2013 10-K ↗	FY 2012 Mar 31, 2012 10-K ↗	FY 2011 Mar 31, 2011 10-K ↗	FY 2010 Mar 31, 2010 10-K ↗	FY 2009 Mar 31, 2009 10-K ↗
Revenue Growth YoY (%)	-24.1% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-501%)	11.0% Good → Good Stable Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+83%)	-5.2% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-186%)	26.0% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+333%)	11.9% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+98%)	-9.2% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-254%)	-35.0% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-683%)	29.5% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+391%)	-10.6% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-277%)	20.7% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+244%)	-8.2% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-237%)	0.6% Caution ↑ Caution Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-91%)	10.3% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+71%)	-12.1% Weak Weak Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-302%)	-9.0% Weak Weak Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-251%)	—	—
EPS Growth YoY (%)	-334.4% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	40.8% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-329.2% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	78.9% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	22.4% Good Good Year-over-year change in earnings per share Optimal: > 10%	8.1% Fair Fair Year-over-year change in earnings per share Optimal: > 10%	N/M	N/M	-1440.0% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	N/M	N/M	N/M	N/M	94.1% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	-30564.6% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	—	—
Net Income Growth YoY (%)	-361.7% Weak ↓ Weak Declining Year-over-year change in net income	32.4% Excellent ↑ Excellent Improving Year-over-year change in net income	-419.6% Weak ↓ Weak Declining Year-over-year change in net income	78.3% Excellent ↑ Excellent Improving Year-over-year change in net income	28.2% Excellent Excellent Year-over-year change in net income	8.6% Fair Fair Year-over-year change in net income	N/M	N/M	-1578.2% Weak Weak Year-over-year change in net income	N/M	N/M	N/M	N/M	40.7% Excellent Excellent Year-over-year change in net income	-3765.8% Weak Weak Year-over-year change in net income	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	-7.2% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	9.9% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	10.2% Good ↑ Good Improving Compound annual revenue growth over 3 years	8.6% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	-12.9% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	-8.6% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	-9.1% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	11.8% Good ↑ Good Improving Compound annual revenue growth over 3 years	-0.4% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	3.7% Caution ↑ Caution Improving Compound annual revenue growth over 3 years	0.6% Weak ↑ Weak Improving Compound annual revenue growth over 3 years	-0.9% Weak Weak Compound annual revenue growth over 3 years	-4.1% Weak Weak Compound annual revenue growth over 3 years	—	—	—	—
Revenue CAGR 5Y (%)	2.4% Caution ↑ Caution Improving Compound annual revenue growth over 5 years	6.1% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	-4.6% Weak ↓ Weak Declining Compound annual revenue growth over 5 years	1.5% Caution ↑ Caution Improving Compound annual revenue growth over 5 years	-5.2% Weak ↓ Weak Declining Compound annual revenue growth over 5 years	-3.8% Weak ↓ Weak Declining Compound annual revenue growth over 5 years	-3.6% Weak ↓ Weak Declining Compound annual revenue growth over 5 years	5.2% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	1.9% Caution ↑ Caution Improving Compound annual revenue growth over 5 years	1.5% Caution Caution Compound annual revenue growth over 5 years	-4.1% Weak Weak Compound annual revenue growth over 5 years	—	—	—	—	—	—
EPS CAGR 3Y (%)	—	—	—	—	—	—	—	79.7% Excellent Excellent Compound annual EPS growth over 3 years	—	—	—	—	—	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Mar 31, 2025 10-K ↗	FY 2024 Mar 31, 2024 10-K ↗	FY 2023 Mar 31, 2023 10-K ↗	FY 2022 Mar 31, 2022 10-K ↗	FY 2021 Mar 31, 2021 10-K ↗	FY 2020 Mar 31, 2020 10-K ↗	FY 2019 Mar 31, 2019 10-K ↗	FY 2018 Mar 31, 2018 10-K ↗	FY 2017 Mar 31, 2017 10-K ↗	FY 2016 Mar 31, 2016 10-K ↗	FY 2015 Mar 31, 2015 10-K ↗	FY 2014 Mar 31, 2014 10-K ↗	FY 2013 Mar 31, 2013 10-K ↗	FY 2012 Mar 31, 2012 10-K ↗	FY 2011 Mar 31, 2011 10-K ↗	FY 2010 Mar 31, 2010 10-K ↗	FY 2009 Mar 31, 2009 10-K ↗
Operating Margin (%) (%)	—	—	—	—	—	—	—	—	—	-0.6% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-102%)	1.5% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-94%)	-3.2% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-113%)	2.6% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-90%)	-99.4% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-498%)	-88.7% Weak Weak Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-455%)	-13.2% Weak Weak Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-153%)	—
Effective Tax Rate (%) (%)	—	—	—	—	—	—	—	—	—	-304.8% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	66.7% Weak ↓ Weak Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	-12.1% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	728.9% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	4.0% Excellent ↑ Excellent Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	-66.2% Excellent Excellent Actual taxes paid relative to pre-tax income Optimal: 15-25%	73.7% Weak Weak Actual taxes paid relative to pre-tax income Optimal: 15-25%	—
Profit Margin (%) (%)	-61.8% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-381%)	-10.2% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-146%)	-16.7% Weak → Weak Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-176%)	-3.0% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-114%)	-17.6% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-180%)	-27.5% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-225%)	-27.3% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-224%)	16.0% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-27%)	-11.0% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-150%)	-0.6% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-103%)	1.5% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-93%)	-3.2% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-115%)	2.6% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-88%)	-99.4% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-552%)	-147.3% Weak Weak Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-770%)	-3.5% Weak Weak Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-116%)	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Mar 31, 2025 10-K ↗	FY 2024 Mar 31, 2024 10-K ↗	FY 2023 Mar 31, 2023 10-K ↗	FY 2022 Mar 31, 2022 10-K ↗	FY 2021 Mar 31, 2021 10-K ↗	FY 2020 Mar 31, 2020 10-K ↗	FY 2019 Mar 31, 2019 10-K ↗	FY 2018 Mar 31, 2018 10-K ↗	FY 2017 Mar 31, 2017 10-K ↗	FY 2016 Mar 31, 2016 10-K ↗	FY 2015 Mar 31, 2015 10-K ↗	FY 2014 Mar 31, 2014 10-K ↗	FY 2013 Mar 31, 2013 10-K ↗	FY 2012 Mar 31, 2012 10-K ↗	FY 2011 Mar 31, 2011 10-K ↗	FY 2010 Mar 31, 2010 10-K ↗	FY 2009 Mar 31, 2009 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	-1.9% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	-0.4% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-0.6% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	-0.1% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-0.6% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	-0.9% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	-1.1% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.8% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-0.4% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	-0.0% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.1% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-0.1% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.1% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	-5.6% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—
Return on Common Equity (%) (%)	-46.5% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-487%)	-7.0% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-159%)	-9.7% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-181%)	-1.5% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-113%)	-7.4% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-162%)	-11.1% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-192%)	-12.6% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-205%)	10.3% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-14%)	-5.5% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-146%)	—	0.7% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-94%)	-1.6% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-114%)	1.2% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-90%)	—	—	—	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	FY 2025 Mar 31, 2025 10-K ↗	FY 2024 Mar 31, 2024 10-K ↗	FY 2023 Mar 31, 2023 10-K ↗	FY 2022 Mar 31, 2022 10-K ↗	FY 2021 Mar 31, 2021 10-K ↗	FY 2020 Mar 31, 2020 10-K ↗	FY 2019 Mar 31, 2019 10-K ↗	FY 2018 Mar 31, 2018 10-K ↗	FY 2017 Mar 31, 2017 10-K ↗	FY 2016 Mar 31, 2016 10-K ↗	FY 2015 Mar 31, 2015 10-K ↗	FY 2014 Mar 31, 2014 10-K ↗	FY 2013 Mar 31, 2013 10-K ↗	FY 2012 Mar 31, 2012 10-K ↗	FY 2011 Mar 31, 2011 10-K ↗	FY 2010 Mar 31, 2010 10-K ↗	FY 2009 Mar 31, 2009 10-K ↗
Debt to Equity (x)	0.68x Fair ↓ Fair Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-43%)	1.10x Caution ↑ Caution Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-9%)	0.90x Fair Fair Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-25%)	0.29x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-76%)	—	—	—	—	—	—	—	—	—	—	—	—	—
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 6 metrics

Metric	FY 2025 Mar 31, 2025 10-K ↗	FY 2024 Mar 31, 2024 10-K ↗	FY 2023 Mar 31, 2023 10-K ↗	FY 2022 Mar 31, 2022 10-K ↗	FY 2021 Mar 31, 2021 10-K ↗	FY 2020 Mar 31, 2020 10-K ↗	FY 2019 Mar 31, 2019 10-K ↗	FY 2018 Mar 31, 2018 10-K ↗	FY 2017 Mar 31, 2017 10-K ↗	FY 2016 Mar 31, 2016 10-K ↗	FY 2015 Mar 31, 2015 10-K ↗	FY 2014 Mar 31, 2014 10-K ↗	FY 2013 Mar 31, 2013 10-K ↗	FY 2012 Mar 31, 2012 10-K ↗	FY 2011 Mar 31, 2011 10-K ↗	FY 2010 Mar 31, 2010 10-K ↗	FY 2009 Mar 31, 2009 10-K ↗
Revenue per Share (USD)	$4.29	$6.04	$6.17	$7.75	$6.47	$5.33	$5.88	$9.04	$6.99	$7.82	$6.48	$7.06	$7.02	$14.16	—	—	—
Basic EPS, GAAP (USD)	$-2.65	$-0.61	$-1.03	$-0.24	$-1.14	$-1.47	$-1.60	$0.58	$-0.77	$-0.05	$0.10	$-0.23	$0.18	$-14.26	$-242.25	$-0.79	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Book Value per Share (USD)	$5.60	$8.23	$10.53	$13.06	$15.69	$13.22	$12.74	$14.05	$14.04	—	$14.87	$13.94	$15.35	—	—	—	—
Tangible Book Value per Share (USD)	$5.60	$8.23	$10.53	$13.06	$15.69	$13.22	$12.74	$14.05	$14.04	—	$14.87	$13.94	$15.35	—	—	—	—
Basic Weighted Avg Shares (shares)	5.18M	4.85M	4.28M	3.59M	3.42M	3.70M	3.70M	3.70M	3.70M	3.70M	3.70M	3.70M	3.70M	1.66M	—	—	—

🏦 How resilient is the balance sheet? 3 metrics

Metric	FY 2025 Mar 31, 2025 10-K ↗	FY 2024 Mar 31, 2024 10-K ↗	FY 2023 Mar 31, 2023 10-K ↗	FY 2022 Mar 31, 2022 10-K ↗	FY 2021 Mar 31, 2021 10-K ↗	FY 2020 Mar 31, 2020 10-K ↗	FY 2019 Mar 31, 2019 10-K ↗	FY 2018 Mar 31, 2018 10-K ↗	FY 2017 Mar 31, 2017 10-K ↗	FY 2016 Mar 31, 2016 10-K ↗	FY 2015 Mar 31, 2015 10-K ↗	FY 2014 Mar 31, 2014 10-K ↗	FY 2013 Mar 31, 2013 10-K ↗	FY 2012 Mar 31, 2012 10-K ↗	FY 2011 Mar 31, 2011 10-K ↗	FY 2010 Mar 31, 2010 10-K ↗	FY 2009 Mar 31, 2009 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
LT Debt (USD)	$20.22M	$46.43M	$40.90M	$15.91M	—	—	—	—	—	—	—	—	—	—	—	—	—
Total Equity (USD)	$29.58M	$42.31M	$45.22M	$55.09M	$52.30M	$48.89M	$47.14M	$51.97M	$51.88M	—	$54.98M	$51.54M	$56.73M	—	—	—	—

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Mar 31, 2025 10-K ↗	FY 2024 Mar 31, 2024 10-K ↗	FY 2023 Mar 31, 2023 10-K ↗	FY 2022 Mar 31, 2022 10-K ↗	FY 2021 Mar 31, 2021 10-K ↗	FY 2020 Mar 31, 2020 10-K ↗	FY 2019 Mar 31, 2019 10-K ↗	FY 2018 Mar 31, 2018 10-K ↗	FY 2017 Mar 31, 2017 10-K ↗	FY 2016 Mar 31, 2016 10-K ↗	FY 2015 Mar 31, 2015 10-K ↗	FY 2014 Mar 31, 2014 10-K ↗	FY 2013 Mar 31, 2013 10-K ↗	FY 2012 Mar 31, 2012 10-K ↗	FY 2011 Mar 31, 2011 10-K ↗	FY 2010 Mar 31, 2010 10-K ↗	FY 2009 Mar 31, 2009 10-K ↗
Sales/Revenue/Turnover (USD)	$22.24M	$29.28M	$26.38M	$27.82M	$22.09M	$19.73M	$21.74M	$33.44M	$25.83M	$28.90M	$23.95M	$26.10M	$25.96M	$23.54M	$26.79M	$29.45M	—
Depreciation Expense (USD)	$813.00K	$965.00K	$1.06M	$1.03M	$1.02M	$965.00K	$793.00K	$897.00K	$867.00K	$1.42M	$1.05M	$1.08M	$1.13M	$1.37M	$1.53M	$1.72M	—
Net Income, GAAP (USD)	$-13.74M	$-2.98M	$-4.40M	$-847.00K	$-3.90M	$-5.42M	$-5.94M	$5.35M	$-2.85M	$-170.00K	$364.00K	$-836.00K	$662.00K	$-23.41M	$-39.47M	$-1.02M	—
Operating Cash Flow (USD)	$-12.61M	$-6.57M	$-10.51M	$7.15M	$2.21M	$-31.00K	$-8.77M	$-4.99M	$827.00K	$490.00K	$3.83M	$15.55M	$20.34M	$31.53M	$4.31M	$1.47M	—

🏛️ Sector-Specific 2 metrics

Metric	FY 2025 Mar 31, 2025 10-K ↗	FY 2024 Mar 31, 2024 10-K ↗	FY 2023 Mar 31, 2023 10-K ↗	FY 2022 Mar 31, 2022 10-K ↗	FY 2021 Mar 31, 2021 10-K ↗	FY 2020 Mar 31, 2020 10-K ↗	FY 2019 Mar 31, 2019 10-K ↗	FY 2018 Mar 31, 2018 10-K ↗	FY 2017 Mar 31, 2017 10-K ↗	FY 2016 Mar 31, 2016 10-K ↗	FY 2015 Mar 31, 2015 10-K ↗	FY 2014 Mar 31, 2014 10-K ↗	FY 2013 Mar 31, 2013 10-K ↗	FY 2012 Mar 31, 2012 10-K ↗	FY 2011 Mar 31, 2011 10-K ↗	FY 2010 Mar 31, 2010 10-K ↗	FY 2009 Mar 31, 2009 10-K ↗
Net Interest Margin (approx.) (%)	2.6%	3.0%	3.2%	2.8%	2.3%	2.8%	3.0%	2.7%	3.1%	3.0%	2.7%	3.0%	3.0%	—	—	—	—
Efficiency Ratio (%) (%)	156.5%	109.9%	116.3%	100.9%	118.1%	127.4%	128.5%	83.7%	110.5%	95.0%	111.5%	104.9%	112.6%	131.4%	—	—	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 4 days ago 17 years · 63 quarters

CARVER BANCORP INC

Analytical Summary

17-Year Financial Trajectory

Bullish Indicators

Bearish Risks

Health Breakdown

Statement lens

Benchmark Lens

Signals

Percentile Rankings

Peer Comparison

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