Switch to:

GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 5/10

vs
industry
vs
history
Cash to Debt 0.61
CARV's Cash to Debt is ranked lower than
64% of the 966 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.47 vs. CARV: 0.61 )
Ranked among companies with meaningful Cash to Debt only.
CARV' s 10-Year Cash to Debt Range
Min: 0.08  Med: 0.29 Max: 2.11
Current: 0.61
0.08
2.11
Equity to Asset 0.08
CARV's Equity to Asset is ranked lower than
69% of the 1319 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.10 vs. CARV: 0.08 )
Ranked among companies with meaningful Equity to Asset only.
CARV' s 10-Year Equity to Asset Range
Min: 0.03  Med: 0.08 Max: 0.1
Current: 0.08
0.03
0.1
Interest Coverage 0.06
CARV's Interest Coverage is ranked lower than
98% of the 1229 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.65 vs. CARV: 0.06 )
Ranked among companies with meaningful Interest Coverage only.
CARV' s 10-Year Interest Coverage Range
Min: 0.01  Med: 0.15 Max: 0.84
Current: 0.06
0.01
0.84
F-Score: 6
WACC vs ROIC
0.91%
0.28%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 4/10

vs
industry
vs
history
Operating margin (%) 0.84
CARV's Operating margin (%) is ranked lower than
92% of the 1381 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 29.90 vs. CARV: 0.84 )
Ranked among companies with meaningful Operating margin (%) only.
CARV' s 10-Year Operating margin (%) Range
Min: -100.86  Med: 0.50 Max: 32.14
Current: 0.84
-100.86
32.14
Net-margin (%) 1.22
CARV's Net-margin (%) is ranked lower than
92% of the 1381 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 21.60 vs. CARV: 1.22 )
Ranked among companies with meaningful Net-margin (%) only.
CARV' s 10-Year Net-margin (%) Range
Min: -115.85  Med: 1.88 Max: 22.62
Current: 1.22
-115.85
22.62
ROE (%) 0.68
CARV's ROE (%) is ranked lower than
90% of the 1384 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.41 vs. CARV: 0.68 )
Ranked among companies with meaningful ROE (%) only.
CARV' s 10-Year ROE (%) Range
Min: -92.61  Med: 0.68 Max: 13.69
Current: 0.68
-92.61
13.69
ROA (%) 0.06
CARV's ROA (%) is ranked lower than
90% of the 1392 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.84 vs. CARV: 0.06 )
Ranked among companies with meaningful ROA (%) only.
CARV' s 10-Year ROA (%) Range
Min: -5.22  Med: 0.06 Max: 1.08
Current: 0.06
-5.22
1.08
ROC (Joel Greenblatt) (%) 3.36
CARV's ROC (Joel Greenblatt) (%) is ranked lower than
89% of the 1374 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 77.18 vs. CARV: 3.36 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
CARV' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -230.33  Med: 0.50 Max: 64.86
Current: 3.36
-230.33
64.86
Revenue Growth (3Y)(%) -17.00
CARV's Revenue Growth (3Y)(%) is ranked lower than
91% of the 1170 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.00 vs. CARV: -17.00 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
CARV' s 10-Year Revenue Growth (3Y)(%) Range
Min: -67.7  Med: 2.70 Max: 16.6
Current: -17
-67.7
16.6
» CARV's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Insider Trades

Latest Guru Trades with CARV

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

No Entry found in the selected group of Gurus. You can
  • 1. Modify your Personalized List of Gurus, or
  • 2. Click on Premium Premium Tools above to check out all the Gurus, or
  • 3. Click on Premium Plus Premium Plus above for the stocks picks of all the institutional investment advisors (>4000)
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 54.88
CARV's P/E(ttm) is ranked lower than
95% of the 1245 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.80 vs. CARV: 54.88 )
Ranked among companies with meaningful P/E(ttm) only.
CARV' s 10-Year P/E(ttm) Range
Min: 3.94  Med: 14.24 Max: 90.36
Current: 54.88
3.94
90.36
PE(NRI) 54.20
CARV's PE(NRI) is ranked lower than
95% of the 1242 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.90 vs. CARV: 54.20 )
Ranked among companies with meaningful PE(NRI) only.
CARV' s 10-Year PE(NRI) Range
Min: 3.94  Med: 14.24 Max: 88.24
Current: 54.2
3.94
88.24
P/B 2.18
CARV's P/B is ranked lower than
91% of the 1350 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.10 vs. CARV: 2.18 )
Ranked among companies with meaningful P/B only.
CARV' s 10-Year P/B Range
Min: 0.11  Med: 0.87 Max: 10
Current: 2.18
0.11
10
P/S 0.71
CARV's P/S is ranked higher than
95% of the 1367 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.97 vs. CARV: 0.71 )
Ranked among companies with meaningful P/S only.
CARV' s 10-Year P/S Range
Min: 0.01  Med: 0.75 Max: 2.26
Current: 0.71
0.01
2.26
PFCF 6.07
CARV's PFCF is ranked higher than
68% of the 801 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.49 vs. CARV: 6.07 )
Ranked among companies with meaningful PFCF only.
CARV' s 10-Year PFCF Range
Min: 0.02  Med: 2.45 Max: 36.82
Current: 6.07
0.02
36.82
POCF 5.59
CARV's POCF is ranked higher than
68% of the 911 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9.73 vs. CARV: 5.59 )
Ranked among companies with meaningful POCF only.
CARV' s 10-Year POCF Range
Min: 0.02  Med: 3.00 Max: 20.21
Current: 5.59
0.02
20.21
EV-to-EBIT 395.11
CARV's EV-to-EBIT is ranked lower than
99% of the 1371 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.11 vs. CARV: 395.11 )
Ranked among companies with meaningful EV-to-EBIT only.
CARV' s 10-Year EV-to-EBIT Range
Min: -129.7  Med: 23.30 Max: 806.1
Current: 395.11
-129.7
806.1
Days Sales Outstanding 33.86
CARV's Days Sales Outstanding is ranked higher than
50% of the 768 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 34.05 vs. CARV: 33.86 )
Ranked among companies with meaningful Days Sales Outstanding only.
CARV' s 10-Year Days Sales Outstanding Range
Min: 30.53  Med: 44.61 Max: 104.29
Current: 33.86
30.53
104.29

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 2.18
CARV's Price/Tangible Book is ranked lower than
87% of the 1329 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.17 vs. CARV: 2.18 )
Ranked among companies with meaningful Price/Tangible Book only.
CARV' s 10-Year Price/Tangible Book Range
Min: 0.18  Med: 0.74 Max: 7.31
Current: 2.18
0.18
7.31
Price/Projected FCF 0.13
CARV's Price/Projected FCF is ranked higher than
96% of the 759 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.68 vs. CARV: 0.13 )
Ranked among companies with meaningful Price/Projected FCF only.
CARV' s 10-Year Price/Projected FCF Range
Min: 0.11  Med: 0.43 Max: 0.93
Current: 0.13
0.11
0.93
Price/Median PS Value 0.96
CARV's Price/Median PS Value is ranked higher than
68% of the 1232 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.09 vs. CARV: 0.96 )
Ranked among companies with meaningful Price/Median PS Value only.
CARV' s 10-Year Price/Median PS Value Range
Min: 0.09  Med: 1.70 Max: 3.45
Current: 0.96
0.09
3.45
Price/Graham Number 2.12
CARV's Price/Graham Number is ranked lower than
96% of the 1122 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.87 vs. CARV: 2.12 )
Ranked among companies with meaningful Price/Graham Number only.
CARV' s 10-Year Price/Graham Number Range
Min: 0.41  Med: 0.76 Max: 1.69
Current: 2.12
0.41
1.69
Earnings Yield (Greenblatt) (%) 0.30
CARV's Earnings Yield (Greenblatt) (%) is ranked lower than
90% of the 1343 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.70 vs. CARV: 0.30 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
CARV' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 0.1  Med: 2.80 Max: 4.4
Current: 0.3
0.1
4.4
Forward Rate of Return (Yacktman) (%) -470.00
CARV's Forward Rate of Return (Yacktman) (%) is ranked lower than
100% of the 758 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.31 vs. CARV: -470.00 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
CARV' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: -1375.1  Med: -4.80 Max: 726.4
Current: -470
-1375.1
726.4

Business Description

Industry: Banks » Savings & Cooperative Banks
Compare: » details
Carver Bancorp, Inc. a Delaware corporation incorporated in May 1996. The Company is the holding company for Carver Federal Savings Bank a federally chartered savings bank. The bank conducts business as a unitary savings and loan holding company through its principal wholly owned subsidiary is Carver Federal Savings Bank. Carver Statutory Trust I is another wholly owned subsidiary of the Holding Company. Carver Federal Savings Bank serves customers through its branch offices and stand-alone 24/7 ATM centers. Their banking products and financial services are offered to the retail and commercial customers. Carver Federal Savings Bank's consumer and commercial offerings include an array of deposit and real estate loan products that facilitate investing, savings and borrowing by its customers. Carver Federal Savings Bank also offers wealth management products through a third party provider. The bank owns a majority interest in Carver Asset Corporation, a real estate investment trust. The Bank's main lending market includes Bronx, Kings, New York and Queens Counties in New York City, and lower Westchester County, New York. The Company is subject to extensive supervision, regulation and examination by the Federal Reserve.
» More Articles for CARV

Headlines

Articles On GuruFocus.com
comment on CARV Jan 22 2012 
Carver Bancorp Inc. Reports Operating Results (10-K/A) Feb 24 2011 
Carver Bancorp Inc. Reports Operating Results (10-Q) Nov 15 2010 
Carver Bancorp Inc. Reports Operating Results (10-Q) Aug 16 2010 
Carver Bancorp Inc. Reports Operating Results (10-K) Jul 15 2010 
Carver Bancorp Inc. Reports Operating Results (10-Q) Feb 16 2010 
Carver Bancorp Inc. Reports Operating Results (10-Q) Nov 16 2009 
Carver Bancorp Inc. Reports Operating Results (10-Q) Feb 17 2009 

More From Other Websites
CARVER BANCORP INC Files SEC form 8-K/A, Results of Operations and Financial Condition, Financial... Jul 02 2015
10-K for Carver Bancorp, Inc. Jul 01 2015
CARVER BANCORP INC Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Jun 30 2015
Carver Bancorp, Inc. Reports Fiscal Year 2015 and Fourth Quarter Results Jun 29 2015
CARVER BANCORP INC Files SEC form 10-K, Annual Report Jun 29 2015
Carver Bancorp, Inc. Reports Fiscal Year 2015 and Fourth Quarter Results Jun 29 2015
Carver Federal Savings Bank and the New York State Small Business Development Center at York College... May 15 2015
Carver Federal Savings Bank and the New York State Small Business Development Center at York College... May 15 2015
CARVER BANCORP INC Files SEC form 8-K, Change in Directors or Principal Officers, Financial... Apr 22 2015
CARVER BANCORP INC Financials Feb 14 2015
CARVER BANCORP INC Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Feb 10 2015
CARVER BANCORP INC Files SEC form 10-Q, Quarterly Report Feb 09 2015
CARVER BANCORP INC Files SEC form 8-K, Change in Directors or Principal Officers, Financial... Nov 17 2014
Carver CEO Deborah C. Wright to Transition to Non-Executive Chairman; President and COO Michael T.... Nov 17 2014
CARVER BANCORP INC Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Nov 12 2014
CARVER BANCORP INC Files SEC form 10-Q, Quarterly Report Nov 10 2014
Carver Bancorp, Inc. Reports Second Quarter Fiscal Year 2015 Results Nov 10 2014
CARVER BANCORP INC Files SEC form 8-K, Other Events, Financial Statements and Exhibits Nov 05 2014
CARVER BANCORP INC Files SEC form 8-K, Submission of Matters to a Vote of Security Holders, Other... Sep 29 2014
CARVER BANCORP INC Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Aug 12 2014

Personalized Checklist

Checklist has been moved to "Checklist" tab.

Get WordPress Plugins for easy affiliate links on Stock Tickers and Guru Names | Earn affiliate commissions by embedding GuruFocus Charts
GuruFocus Affiliate Program: Earn up to $400 per referral. ( Learn More)
FEEDBACK