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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 : 5/10

vs
industry
vs
history
Cash to Debt 0.52
CARV's Cash to Debt is ranked lower than
70% of the 1188 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.15 vs. CARV: 0.52 )
Ranked among companies with meaningful Cash to Debt only.
CARV' s Cash to Debt Range Over the Past 10 Years
Min: 0.08  Med: 0.29 Max: No Debt
Current: 0.52
Equity to Asset 0.07
CARV's Equity to Asset is ranked lower than
79% of the 1677 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.10 vs. CARV: 0.07 )
Ranked among companies with meaningful Equity to Asset only.
CARV' s Equity to Asset Range Over the Past 10 Years
Min: 0.03  Med: 0.08 Max: 0.1
Current: 0.07
0.03
0.1
Interest Coverage 0.12
CARV's Interest Coverage is ranked lower than
95% of the 1565 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.64 vs. CARV: 0.12 )
Ranked among companies with meaningful Interest Coverage only.
CARV' s Interest Coverage Range Over the Past 10 Years
Min: 0.01  Med: 0.09 Max: 0.38
Current: 0.12
0.01
0.38
F-Score: 6
M-Score: -2.22
WACC vs ROIC
3.32%
0.42%
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 : 3/10

vs
industry
vs
history
Operating margin (%) 1.51
CARV's Operating margin (%) is ranked lower than
93% of the 1693 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 31.14 vs. CARV: 1.51 )
Ranked among companies with meaningful Operating margin (%) only.
CARV' s Operating margin (%) Range Over the Past 10 Years
Min: -100.86  Med: -1.53 Max: 21.04
Current: 1.51
-100.86
21.04
Net-margin (%) 0.95
CARV's Net-margin (%) is ranked lower than
93% of the 1694 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 22.52 vs. CARV: 0.95 )
Ranked among companies with meaningful Net-margin (%) only.
CARV' s Net-margin (%) Range Over the Past 10 Years
Min: -115.85  Med: -0.88 Max: 15.56
Current: 0.95
-115.85
15.56
ROE (%) 0.59
CARV's ROE (%) is ranked lower than
91% of the 1689 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.37 vs. CARV: 0.59 )
Ranked among companies with meaningful ROE (%) only.
CARV' s ROE (%) Range Over the Past 10 Years
Min: -92.61  Med: -0.43 Max: 7.98
Current: 0.59
-92.61
7.98
ROA (%) 0.05
CARV's ROA (%) is ranked lower than
92% of the 1698 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.89 vs. CARV: 0.05 )
Ranked among companies with meaningful ROA (%) only.
CARV' s ROA (%) Range Over the Past 10 Years
Min: -5.22  Med: -0.04 Max: 0.59
Current: 0.05
-5.22
0.59
Revenue Growth (3Y)(%) -17.00
CARV's Revenue Growth (3Y)(%) is ranked lower than
92% of the 1391 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.70 vs. CARV: -17.00 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
CARV' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -67.7  Med: 2.80 Max: 16.6
Current: -17
-67.7
16.6
» CARV's 10-Y Financials

Financials (Next Earnings Date: Est. 2016-06-29)


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

» Details

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Business Description

Industry: Banks » Savings & Cooperative Banks
Compare:NAS:WAYN, BSP:MERC4, OTCPK:RYFL, OTCPK:GRBS, NAS:EQFN, OTCPK:WEFP » details
Carver Bancorp Inc through its banking subsidiary operates as a unitary savings and loan holding company. The Company is engaged in providing consumer and commercial banking services offering deposit products, including demand, savings and time deposits.

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.

Ratios

vs
industry
vs
history
P/E(ttm) 34.00
CARV's P/E(ttm) is ranked lower than
92% of the 1632 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.48 vs. CARV: 34.00 )
Ranked among companies with meaningful P/E(ttm) only.
CARV' s P/E(ttm) Range Over the Past 10 Years
Min: 3.94  Med: 15.72 Max: 1155
Current: 34
3.94
1155
PE(NRI) 34.00
CARV's PE(NRI) is ranked lower than
92% of the 1590 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.53 vs. CARV: 34.00 )
Ranked among companies with meaningful PE(NRI) only.
CARV' s PE(NRI) Range Over the Past 10 Years
Min: 3.94  Med: 15.64 Max: 693
Current: 34
3.94
693
Price/Owner Earnings (ttm) 1.52
CARV's Price/Owner Earnings (ttm) is ranked higher than
92% of the 871 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.93 vs. CARV: 1.52 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
CARV' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 0.86  Med: 3.21 Max: 105.62
Current: 1.52
0.86
105.62
P/B 1.26
CARV's P/B is ranked lower than
77% of the 1697 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.03 vs. CARV: 1.26 )
Ranked among companies with meaningful P/B only.
CARV' s P/B Range Over the Past 10 Years
Min: 0.11  Med: 0.88 Max: 10.03
Current: 1.26
0.11
10.03
P/S 0.37
CARV's P/S is ranked higher than
97% of the 1697 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.92 vs. CARV: 0.37 )
Ranked among companies with meaningful P/S only.
CARV' s P/S Range Over the Past 10 Years
Min: 0.01  Med: 0.66 Max: 2.21
Current: 0.37
0.01
2.21
PFCF 7.50
CARV's PFCF is ranked higher than
58% of the 907 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9.99 vs. CARV: 7.50 )
Ranked among companies with meaningful PFCF only.
CARV' s PFCF Range Over the Past 10 Years
Min: 0.02  Med: 3.15 Max: 43.54
Current: 7.5
0.02
43.54
POCF 1.72
CARV's POCF is ranked higher than
83% of the 1010 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.81 vs. CARV: 1.72 )
Ranked among companies with meaningful POCF only.
CARV' s POCF Range Over the Past 10 Years
Min: 0.02  Med: 2.89 Max: 20.62
Current: 1.72
0.02
20.62
EV-to-EBIT 195.00
CARV's EV-to-EBIT is ranked lower than
99% of the 1568 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.90 vs. CARV: 195.00 )
Ranked among companies with meaningful EV-to-EBIT only.
CARV' s EV-to-EBIT Range Over the Past 10 Years
Min: -129.7  Med: 23.80 Max: 3111.7
Current: 195
-129.7
3111.7
EV-to-EBITDA 77.13
CARV's EV-to-EBITDA is ranked lower than
97% of the 1571 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.75 vs. CARV: 77.13 )
Ranked among companies with meaningful EV-to-EBITDA only.
CARV' s EV-to-EBITDA Range Over the Past 10 Years
Min: -100.5  Med: 16.70 Max: 189.1
Current: 77.13
-100.5
189.1

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.31
CARV's Price/Tangible Book is ranked lower than
69% of the 1698 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.10 vs. CARV: 1.31 )
Ranked among companies with meaningful Price/Tangible Book only.
CARV' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.18  Med: 0.81 Max: 7.33
Current: 1.31
0.18
7.33
Price/Projected FCF 0.08
CARV's Price/Projected FCF is ranked higher than
98% of the 897 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.65 vs. CARV: 0.08 )
Ranked among companies with meaningful Price/Projected FCF only.
CARV' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.05  Med: 0.38 Max: 16.81
Current: 0.08
0.05
16.81
Price/Median PS Value 0.58
CARV's Price/Median PS Value is ranked higher than
90% of the 1617 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.00 vs. CARV: 0.58 )
Ranked among companies with meaningful Price/Median PS Value only.
CARV' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.07  Med: 1.83 Max: 4.11
Current: 0.58
0.07
4.11
Price/Graham Number 1.43
CARV's Price/Graham Number is ranked lower than
90% of the 1517 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.83 vs. CARV: 1.43 )
Ranked among companies with meaningful Price/Graham Number only.
CARV' s Price/Graham Number Range Over the Past 10 Years
Min: 0.26  Med: 0.79 Max: 8.53
Current: 1.43
0.26
8.53
Earnings Yield (Greenblatt) (%) 0.51
CARV's Earnings Yield (Greenblatt) (%) is ranked lower than
89% of the 1722 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.12 vs. CARV: 0.51 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
CARV' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 0.1  Med: 2.60 Max: 4.4
Current: 0.51
0.1
4.4
Forward Rate of Return (Yacktman) (%) -825.68
CARV's Forward Rate of Return (Yacktman) (%) is ranked lower than
100% of the 861 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.71 vs. CARV: -825.68 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
CARV' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: -1375.1  Med: -1.05 Max: 726.4
Current: -825.68
-1375.1
726.4

More Statistics

Revenue (TTM) (Mil) $33.88
EPS (TTM) $ 0.10
Beta-0.09
Short Percentage of Float0.01%
52-Week Range $1.92 - 7.60
Shares Outstanding (Mil)3.70
» More Articles for CARV

Headlines

Articles On GuruFocus.com
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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