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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 1.09
CARV's Cash to Debt is ranked higher than
73% of the 1677 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.41 vs. CARV: 1.09 )
CARV' s 10-Year Cash to Debt Range
Min: 0.08   Max: No Debt
Current: 1.09

Equity to Asset 0.09
CARV's Equity to Asset is ranked higher than
68% of the 2349 Companies
in the Global Savings & Cooperative Banks industry.

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

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 : 2/10

vs
industry
vs
history
Operating margin (%) -2.28
CARV's Operating margin (%) is ranked lower than
51% of the 2377 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 30.48 vs. CARV: -2.28 )
CARV' s 10-Year Operating margin (%) Range
Min: -100.86   Max: 32.14
Current: -2.28

-100.86
32.14
Net-margin (%) -1.12
CARV's Net-margin (%) is ranked lower than
52% of the 2377 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 22.33 vs. CARV: -1.12 )
CARV' s 10-Year Net-margin (%) Range
Min: -115.85   Max: 22.62
Current: -1.12

-115.85
22.62
ROE (%) -0.52
CARV's ROE (%) is ranked lower than
51% of the 2380 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.85 vs. CARV: -0.52 )
CARV' s 10-Year ROE (%) Range
Min: -92.61   Max: 13.69
Current: -0.52

-92.61
13.69
ROA (%) -0.04
CARV's ROA (%) is ranked lower than
51% of the 2384 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.79 vs. CARV: -0.04 )
CARV' s 10-Year ROA (%) Range
Min: -5.22   Max: 1.08
Current: -0.04

-5.22
1.08
ROC (Joel Greenblatt) (%) -7.25
CARV's ROC (Joel Greenblatt) (%) is ranked lower than
51% of the 2346 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 86.24 vs. CARV: -7.25 )
CARV' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -230.33   Max: 64.86
Current: -7.25

-230.33
64.86
Revenue Growth (3Y)(%) -67.50
CARV's Revenue Growth (3Y)(%) is ranked lower than
53% of the 2043 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.20 vs. CARV: -67.50 )
CARV' s 10-Year Revenue Growth (3Y)(%) Range
Min: -67.7   Max: 16.6
Current: -67.5

-67.7
16.6
EPS Growth (3Y)(%) -90.10
CARV's EPS Growth (3Y)(%) is ranked lower than
52% of the 1864 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9.20 vs. CARV: -90.10 )
CARV' s 10-Year EPS Growth (3Y)(%) 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

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Ratios

vs
industry
vs
history
P/B 1.80
CARV's P/B is ranked higher than
59% of the 3169 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.40 vs. CARV: 1.80 )
CARV' s 10-Year P/B Range
Min: 0.11   Max: 10
Current: 1.8

0.11
10
P/S 0.70
CARV's P/S is ranked higher than
97% of the 3169 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.68 vs. CARV: 0.70 )
CARV' s 10-Year P/S Range
Min: 0.01   Max: 2.26
Current: 0.7

0.01
2.26
PFCF 8.60
CARV's PFCF is ranked higher than
86% of the 3169 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.00 vs. CARV: 8.60 )
CARV' s 10-Year PFCF Range
Min: 0.02   Max: 36.82
Current: 8.6

0.02
36.82
POCF 7.17
CARV's POCF is ranked higher than
88% of the 3169 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 81.00 vs. CARV: 7.17 )
CARV' s 10-Year POCF Range
Min: 0.02   Max: 20.21
Current: 7.17

0.02
20.21
Days Sales Outstanding 39.73
CARV's Days Sales Outstanding is ranked higher than
86% of the 3169 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.00 vs. CARV: 39.73 )
CARV' s 10-Year Days Sales Outstanding Range
Min: 30.53   Max: 104.29
Current: 39.73

30.53
104.29

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.80
CARV's Price/Tangible Book is ranked higher than
65% of the 3169 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.60 vs. CARV: 1.80 )
CARV' s 10-Year Price/Tangible Book Range
Min: 0.18   Max: 7.31
Current: 1.8

0.18
7.31
Price/DCF (Projected) 0.10
CARV's Price/DCF (Projected) is ranked higher than
98% of the 3169 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.00 vs. CARV: 0.10 )
CARV' s 10-Year Price/DCF (Projected) Range
Min: 0.05   Max: 16.81
Current: 0.1

0.05
16.81
Price/Median PS Value 0.80
CARV's Price/Median PS Value is ranked higher than
95% of the 3169 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.30 vs. CARV: 0.80 )
CARV' s 10-Year Price/Median PS Value Range
Min: 0.05   Max: 8.32
Current: 0.8

0.05
8.32
Earnings Yield (Greenblatt) -1.00
CARV's Earnings Yield (Greenblatt) is ranked lower than
56% of the 2352 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.40 vs. CARV: -1.00 )
CARV' s 10-Year Earnings Yield (Greenblatt) Range
Min: -1   Max: 5.5
Current: -1

-1
5.5
Forward Rate of Return (Yacktman) -612.90
CARV's Forward Rate of Return (Yacktman) is ranked lower than
54% of the 1260 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.15 vs. CARV: -612.90 )
CARV' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -1375.1   Max: 726.4
Current: -612.9

-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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