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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 : 7/10

vs
industry
vs
history
Cash to Debt 1.52
CARV's Cash to Debt is ranked higher than
77% of the 1566 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.48 vs. CARV: 1.52 )
CARV' s 10-Year Cash to Debt Range
Min: 0.08   Max: No Debt
Current: 1.52

Equity to Asset 0.08
CARV's Equity to Asset is ranked higher than
62% of the 2010 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.09 vs. CARV: 0.08 )
CARV' s 10-Year Equity to Asset Range
Min: 0.03   Max: 0.1
Current: 0.08

0.03
0.1
F-Score: 4
Z-Score: -0.02
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 : 3/10

vs
industry
vs
history
Operating margin (%) -6.17
CARV's Operating margin (%) is ranked lower than
51% of the 2021 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 29.33 vs. CARV: -6.17 )
CARV' s 10-Year Operating margin (%) Range
Min: -100.86   Max: 32.14
Current: -6.17

-100.86
32.14
Net-margin (%) -4.83
CARV's Net-margin (%) is ranked lower than
51% of the 2021 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 21.41 vs. CARV: -4.83 )
CARV' s 10-Year Net-margin (%) Range
Min: -115.85   Max: 22.62
Current: -4.83

-115.85
22.62
ROE (%) -2.31
CARV's ROE (%) is ranked higher than
50% of the 2031 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.59 vs. CARV: -2.31 )
CARV' s 10-Year ROE (%) Range
Min: -92.61   Max: 13.69
Current: -2.31

-92.61
13.69
ROA (%) -0.19
CARV's ROA (%) is ranked higher than
50% of the 2034 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.80 vs. CARV: -0.19 )
CARV' s 10-Year ROA (%) Range
Min: -5.22   Max: 1.08
Current: -0.19

-5.22
1.08
ROC (Joel Greenblatt) (%) -19.63
CARV's ROC (Joel Greenblatt) (%) is ranked lower than
51% of the 2003 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 76.89 vs. CARV: -19.63 )
CARV' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -230.33   Max: 64.86
Current: -19.63

-230.33
64.86
Revenue Growth (%) -67.50
CARV's Revenue Growth (%) is ranked lower than
52% of the 1740 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.20 vs. CARV: -67.50 )
CARV' s 10-Year Revenue Growth (%) Range
Min: -67.7   Max: 16.6
Current: -67.5

-67.7
16.6
EPS Growth (%) -90.10
CARV's EPS Growth (%) is ranked higher than
51% of the 1547 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.90 vs. CARV: -90.10 )
CARV' s 10-Year EPS Growth (%) Range
Min: -90.1   Max: 14.7
Current: -90.1

-90.1
14.7
» CARV's 10-Y Financials

Financials


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

» Details

Guru Trades

CARV Guru Trades in

CARV Guru Trades in

2012

CARV Guru Trades in 2012

Martin Whitman 5,459 sh (-62.54%)
» More
2012

CARV Guru Trades in 2012

Martin Whitman Sold Out
» More
» 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%)

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
Martin Whitman 2012-07-31 Sold Out 0.001%$2.65 - $7.8 $ 6.2140%0
Martin Whitman 2012-04-30 Reduce -62.54%$2.45 - $9.42 $ 6.21-5%5459
Premium More recent guru trades are included for Premium Members only!!
Premium More recent guru trades are included for USA Subscribe Members only!!
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Ratios

vs
industry
vs
history
P/B 2.70
CARV's P/B is ranked higher than
61% of the 2636 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.33 vs. CARV: 2.70 )
CARV' s 10-Year P/B Range
Min: 0.11   Max: 10
Current: 2.7

0.11
10
P/S 0.92
CARV's P/S is ranked higher than
97% of the 2636 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.56 vs. CARV: 0.92 )
CARV' s 10-Year P/S Range
Min: 0.01   Max: 2.74
Current: 0.92

0.01
2.74
PFCF 4.63
CARV's PFCF is ranked higher than
92% of the 2636 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9999.00 vs. CARV: 4.63 )
CARV' s 10-Year PFCF Range
Min: 0.02   Max: 36.82
Current: 4.63

0.02
36.82
EV-to-EBIT -22.93
CARV's EV-to-EBIT is ranked lower than
55% of the 2636 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 19.47 vs. CARV: -22.93 )
CARV' s 10-Year EV-to-EBIT Range
Min: -52.4   Max: 806.1
Current: -22.93

-52.4
806.1

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 2.70
CARV's Price/Tangible Book is ranked higher than
62% of the 2636 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.58 vs. CARV: 2.70 )
CARV' s 10-Year Price/Tangible Book Range
Min: 0.18   Max: 7.31
Current: 2.7

0.18
7.31
Price/DCF (Projected) 0.14
CARV's Price/DCF (Projected) is ranked higher than
97% of the 2636 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.09 vs. CARV: 0.14 )
CARV' s 10-Year Price/DCF (Projected) Range
Min: 0.05   Max: 16.81
Current: 0.14

0.05
16.81
Price/Median PS Value 0.99
CARV's Price/Median PS Value is ranked higher than
77% of the 2636 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.21 vs. CARV: 0.99 )
CARV' s 10-Year Price/Median PS Value Range
Min: 0.05   Max: 8.32
Current: 0.99

0.05
8.32
Earnings Yield (Greenblatt) -4.40
CARV's Earnings Yield (Greenblatt) is ranked higher than
50% of the 1996 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.60 vs. CARV: -4.40 )
CARV' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.1   Max: 5.5
Current: -4.4

0.1
5.5
Forward Rate of Return (Yacktman) -451.94
CARV's Forward Rate of Return (Yacktman) is ranked lower than
55% of the 1246 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.25 vs. CARV: -451.94 )
CARV' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -1375.1   Max: 726.4
Current: -451.94

-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 

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