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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 : 6/10

vs
industry
vs
history
Cash-to-Debt 1.05
NAS:CARV's Cash-to-Debt is ranked lower than
63% of the 1592 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.23 vs. NAS:CARV: 1.05 )
Ranked among companies with meaningful Cash-to-Debt only.
NAS:CARV' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.08  Med: 0.31 Max: No Debt
Current: 1.05
Equity-to-Asset 0.07
NAS:CARV's Equity-to-Asset is ranked lower than
79% of the 1591 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.10 vs. NAS:CARV: 0.07 )
Ranked among companies with meaningful Equity-to-Asset only.
NAS: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
Beneish M-Score: -2.59
WACC vs ROIC
16.07%
-3.53%
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 : 1/10

vs
industry
vs
history
Operating Margin % -7.78
NAS:CARV's Operating Margin % is ranked lower than
94% of the 1606 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 31.37 vs. NAS:CARV: -7.78 )
Ranked among companies with meaningful Operating Margin % only.
NAS:CARV' s Operating Margin % Range Over the Past 10 Years
Min: -100.86  Med: -2.38 Max: 9.73
Current: -7.78
-100.86
9.73
Net Margin % -7.81
NAS:CARV's Net Margin % is ranked lower than
94% of the 1605 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 22.70 vs. NAS:CARV: -7.81 )
Ranked among companies with meaningful Net Margin % only.
NAS:CARV' s Net Margin % Range Over the Past 10 Years
Min: -115.85  Med: -2.05 Max: 11.94
Current: -7.81
-115.85
11.94
ROE % -3.26
NAS:CARV's ROE % is ranked lower than
94% of the 1603 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.58 vs. NAS:CARV: -3.26 )
Ranked among companies with meaningful ROE % only.
NAS:CARV' s ROE % Range Over the Past 10 Years
Min: -92.61  Med: -1.03 Max: 7.54
Current: -3.26
-92.61
7.54
ROA % -0.28
NAS:CARV's ROA % is ranked lower than
93% of the 1612 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.90 vs. NAS:CARV: -0.28 )
Ranked among companies with meaningful ROA % only.
NAS:CARV' s ROA % Range Over the Past 10 Years
Min: -5.22  Med: -0.09 Max: 0.52
Current: -0.28
-5.22
0.52
3-Year Revenue Growth Rate 3.60
NAS:CARV's 3-Year Revenue Growth Rate is ranked lower than
53% of the 1354 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 4.20 vs. NAS:CARV: 3.60 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
NAS:CARV' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -67.7  Med: 3.6 Max: 16.6
Current: 3.6
-67.7
16.6
3-Year EBITDA Growth Rate 5.30
NAS:CARV's 3-Year EBITDA Growth Rate is ranked lower than
53% of the 1256 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.40 vs. NAS:CARV: 5.30 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
NAS:CARV' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -41.5  Med: -5.45 Max: 122.2
Current: 5.3
-41.5
122.2
GuruFocus has detected 2 Warning Signs with Carver Bancorp Inc $NAS:CARV.
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» NAS:CARV's 10-Y Financials

Financials (Next Earnings Date: 2017-08-22 Est.)


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

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Business Description

Industry: Banks » Savings & Cooperative Banks    NAICS: 522120    SIC: 6035
Compare:OTCPK:SNNY, OTCPK:NWBB, OTCPK:MBCQ, NAS:WVFC, OTCPK:RYFL, NAS:EQFN, NAS:CFBK, OTCPK:WEFP, OTCPK:FIRT, NAS:GTWN, OTCPK:LTLB, NAS:WAYN, NAS:BYFC, OTCPK:BHWB, NAS:JXSB, NAS:HFBL, NAS:PBHC, NAS:ANCB, OTCPK:GRRB, NAS:PBSK » details
Headquarter Location:USA
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
Price-to-Owner-Earnings 34.75
CARV's Price-to-Owner-Earnings is ranked lower than
85% of the 882 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.21 vs. CARV: 34.75 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
CARV' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 1.55  Med: 3.71 Max: 152.7
Current: 34.75
1.55
152.7
PB Ratio 2.88
CARV's PB Ratio is ranked lower than
87% of the 1611 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.20 vs. CARV: 2.88 )
Ranked among companies with meaningful PB Ratio only.
CARV' s PB Ratio Range Over the Past 10 Years
Min: 0.11  Med: 1.22 Max: 10.03
Current: 2.88
0.11
10.03
PS Ratio 0.70
CARV's PS Ratio is ranked higher than
97% of the 1586 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.40 vs. CARV: 0.70 )
Ranked among companies with meaningful PS Ratio only.
CARV' s PS Ratio Range Over the Past 10 Years
Min: 0.01  Med: 0.6 Max: 2.21
Current: 0.7
0.01
2.21
Price-to-Free-Cash-Flow 28.49
CARV's Price-to-Free-Cash-Flow is ranked lower than
81% of the 870 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.33 vs. CARV: 28.49 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
CARV' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 0.02  Med: 3.21 Max: 588.75
Current: 28.49
0.02
588.75
Price-to-Operating-Cash-Flow 19.84
CARV's Price-to-Operating-Cash-Flow is ranked lower than
70% of the 940 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 10.82 vs. CARV: 19.84 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
CARV' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 0.02  Med: 3.09 Max: 42.48
Current: 19.84
0.02
42.48
EV-to-EBIT -27.48
CARV's EV-to-EBIT is ranked lower than
99.99% of the 1668 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.52 vs. CARV: -27.48 )
Ranked among companies with meaningful EV-to-EBIT only.
CARV' s EV-to-EBIT Range Over the Past 10 Years
Min: -1684.9  Med: -4.2 Max: 805.7
Current: -27.48
-1684.9
805.7
EV-to-EBITDA -68.62
CARV's EV-to-EBITDA is ranked lower than
99.99% of the 1685 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.29 vs. CARV: -68.62 )
Ranked among companies with meaningful EV-to-EBITDA only.
CARV' s EV-to-EBITDA Range Over the Past 10 Years
Min: -100.5  Med: 15.65 Max: 189.1
Current: -68.62
-100.5
189.1

Buy Back

vs
industry
vs
history

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 2.88
CARV's Price-to-Tangible-Book is ranked lower than
81% of the 1576 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.27 vs. CARV: 2.88 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
CARV' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.18  Med: 0.81 Max: 7.33
Current: 2.88
0.18
7.33
Price-to-Intrinsic-Value-Projected-FCF 0.11
CARV's Price-to-Intrinsic-Value-Projected-FCF is ranked higher than
99% of the 869 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.78 vs. CARV: 0.11 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
CARV' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.03  Med: 0.37 Max: 16.81
Current: 0.11
0.03
16.81
Price-to-Median-PS-Value 1.16
CARV's Price-to-Median-PS-Value is ranked higher than
82% of the 1462 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.14 vs. CARV: 1.16 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
CARV' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.06  Med: 2.01 Max: 12.55
Current: 1.16
0.06
12.55
Earnings Yield (Greenblatt) % -3.64
CARV's Earnings Yield (Greenblatt) % is ranked lower than
79% of the 2207 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.95 vs. CARV: -3.64 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
CARV' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 0.1  Med: 2.5 Max: 4.4
Current: -3.64
0.1
4.4
Forward Rate of Return (Yacktman) % -666.74
CARV's Forward Rate of Return (Yacktman) % is ranked lower than
100% of the 890 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.45 vs. CARV: -666.74 )
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: -5.25 Max: 726.4
Current: -666.74
-1375.1
726.4

More Statistics

Revenue (TTM) (Mil) $26.00
EPS (TTM) $ -0.48
Beta2.03
Short Percentage of Float0.05%
52-Week Range $2.87 - 6.61
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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Carver Bancorp, Inc. :CARV-US: Earnings Analysis: Q3, 2017 By the Numbers : March 10, 2017 Mar 10 2017
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Carver Bancorp, Inc. Celebrates Black History Month by Ringing The Nasdaq Stock Market Closing Bell Feb 02 2017
Robert R. Tarter To Become Non-Executive Chairman of Carver Bancorp; Deborah C. Wright Retires from... Dec 16 2016
Carver Federal Savings Bank CEO Michael T. Pugh Appears On WABC-TV's Here and Now Program Nov 18 2016
Carver Bancorp, Inc. :CARV-US: Earnings Analysis: Q2, 2017 By the Numbers : November 18, 2016 Nov 18 2016
Carver Federal Savings Bank Launches Partnership with Boys & Girls Club of Harlem Nov 15 2016
Carver Bancorp, Inc. Reports Second Quarter Fiscal Year 2017 Results Nov 14 2016
Carver Federal Savings Bank Recognizes Small Business Customers And Congressman Charles B. Rangel... Oct 28 2016
MOVES-Carver Bancorp appoints Christina Maier as CFO Mar 03 2016

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