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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
61% of the 1088 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.69 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
69% of the 1578 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
100% of the 1429 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.82 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: 4
WACC vs ROIC
3.63%
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 1590 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 30.86 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: -1.48 Max: 21.04
Current: 1.51
-100.86
21.04
Net-margin (%) 0.95
CARV's Net-margin (%) is ranked lower than
94% of the 1593 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 22.37 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: -0.87 Max: 15.56
Current: 0.95
-115.85
15.56
ROE (%) 0.59
CARV's ROE (%) is ranked lower than
93% of the 1589 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.01 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
99.99% of the 1598 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.86 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
86% of the 1284 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.10 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: 2.70 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

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Ratios

vs
industry
vs
history
P/E(ttm) 3.10
CARV's P/E(ttm) is ranked higher than
96% of the 2227 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.73 vs. CARV: 3.10 )
Ranked among companies with meaningful P/E(ttm) only.
CARV' s P/E(ttm) Range Over the Past 10 Years
Min: 1.34  Med: 12.12 Max: 88.24
Current: 3.1
1.34
88.24
PE(NRI) 3.10
CARV's PE(NRI) is ranked higher than
96% of the 1697 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.19 vs. CARV: 3.10 )
Ranked among companies with meaningful PE(NRI) only.
CARV' s PE(NRI) Range Over the Past 10 Years
Min: 1.42  Med: 12.12 Max: 88.24
Current: 3.1
1.42
88.24
P/B 1.13
CARV's P/B is ranked lower than
64% of the 2260 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.00 vs. CARV: 1.13 )
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
Current: 1.13
0.11
10
P/S 0.33
CARV's P/S is ranked higher than
98% of the 2511 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.50 vs. CARV: 0.33 )
Ranked among companies with meaningful P/S only.
CARV' s P/S Range Over the Past 10 Years
Min: 0.01  Med: 0.67 Max: 2.21
Current: 0.33
0.01
2.21
PFCF 1.64
CARV's PFCF is ranked higher than
83% of the 1363 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.00 vs. CARV: 1.64 )
Ranked among companies with meaningful PFCF only.
CARV' s PFCF Range Over the Past 10 Years
Min: 0.02  Med: 1.50 Max: 37.7
Current: 1.64
0.02
37.7
POCF 1.55
CARV's POCF is ranked higher than
84% of the 1543 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.06 vs. CARV: 1.55 )
Ranked among companies with meaningful POCF only.
CARV' s POCF Range Over the Past 10 Years
Min: 0.02  Med: 1.73 Max: 20.49
Current: 1.55
0.02
20.49
EV-to-EBIT 160.06
CARV's EV-to-EBIT is ranked lower than
98% of the 2177 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.38 vs. CARV: 160.06 )
Ranked among companies with meaningful EV-to-EBIT only.
CARV' s EV-to-EBIT Range Over the Past 10 Years
Min: -47.8  Med: 23.65 Max: 3111.7
Current: 160.06
-47.8
3111.7
EV-to-EBITDA 63.31
CARV's EV-to-EBITDA is ranked lower than
96% of the 2182 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.15 vs. CARV: 63.31 )
Ranked among companies with meaningful EV-to-EBITDA only.
CARV' s EV-to-EBITDA Range Over the Past 10 Years
Min: -100.5  Med: 14.85 Max: 91.9
Current: 63.31
-100.5
91.9

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.13
CARV's Price/Tangible Book is ranked lower than
55% of the 2171 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 38.57 vs. CARV: 1.13 )
Ranked among companies with meaningful Price/Tangible Book only.
CARV' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.18  Med: 0.80 Max: 7.31
Current: 1.13
0.18
7.31
Earnings Yield (Greenblatt) (%) 0.60
CARV's Earnings Yield (Greenblatt) (%) is ranked lower than
99.99% of the 1519 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.20 vs. CARV: 0.60 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
CARV' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 0.1  Med: 2.90 Max: 60.4
Current: 0.6
0.1
60.4
Forward Rate of Return (Yacktman) (%) -1056.69
CARV's Forward Rate of Return (Yacktman) (%) is ranked lower than
100% of the 869 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.65 vs. CARV: -1056.69 )
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: -0.90 Max: 726.4
Current: -1056.69
-1375.1
726.4

More Statistics

Revenue(Mil) $31
EPS $ 0.01
Beta0.16
Short Percentage of Float0.01%
52-Week Range $1.92 - 7.60
Shares Outstanding(Mil)3.70

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
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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