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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 1.09
CARV's Cash to Debt is ranked lower than
54% of the 972 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.46 vs. CARV: 1.09 )
Ranked among companies with meaningful Cash to Debt only.
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 lower than
57% of the 1285 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.10 vs. CARV: 0.09 )
Ranked among companies with meaningful Equity to Asset only.
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
93% of the 1348 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 29.16 vs. CARV: -2.28 )
Ranked among companies with meaningful Operating margin (%) only.
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
93% of the 1348 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 21.21 vs. CARV: -1.12 )
Ranked among companies with meaningful Net-margin (%) only.
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
92% of the 1345 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.28 vs. CARV: -0.52 )
Ranked among companies with meaningful ROE (%) only.
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
92% of the 1352 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.81 vs. CARV: -0.04 )
Ranked among companies with meaningful ROA (%) only.
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
92% of the 1334 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 75.42 vs. CARV: -7.25 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
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
98% of the 1133 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.70 vs. CARV: -67.50 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
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
99% of the 1001 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9.10 vs. CARV: -90.10 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
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

Insider Trades

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Ratios

vs
industry
vs
history
P/B 1.60
CARV's P/B is ranked lower than
77% of the 1612 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.10 vs. CARV: 1.60 )
Ranked among companies with meaningful P/B only.
CARV' s 10-Year P/B Range
Min: 0.11   Max: 10
Current: 1.6

0.11
10
P/S 0.60
CARV's P/S is ranked higher than
96% of the 2098 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.93 vs. CARV: 0.60 )
Ranked among companies with meaningful P/S only.
CARV' s 10-Year P/S Range
Min: 0.01   Max: 2.26
Current: 0.6

0.01
2.26
PFCF 8.40
CARV's PFCF is ranked higher than
60% of the 1098 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 10.80 vs. CARV: 8.40 )
Ranked among companies with meaningful PFCF only.
CARV' s 10-Year PFCF Range
Min: 0.02   Max: 36.82
Current: 8.4

0.02
36.82
POCF 6.52
CARV's POCF is ranked higher than
62% of the 960 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9.34 vs. CARV: 6.52 )
Ranked among companies with meaningful POCF only.
CARV' s 10-Year POCF Range
Min: 0.02   Max: 20.21
Current: 6.52

0.02
20.21
Days Sales Outstanding 39.73
CARV's Days Sales Outstanding is ranked lower than
56% of the 771 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 34.67 vs. CARV: 39.73 )
Ranked among companies with meaningful Days Sales Outstanding only.
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 1.70
CARV's Price/Tangible Book is ranked lower than
66% of the 1634 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.30 vs. CARV: 1.70 )
Ranked among companies with meaningful Price/Tangible Book only.
CARV' s 10-Year Price/Tangible Book Range
Min: 0.18   Max: 7.31
Current: 1.7

0.18
7.31
Price/DCF (Projected) 0.10
CARV's Price/DCF (Projected) is ranked higher than
100% of the 952 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.70 vs. CARV: 0.10 )
Ranked among companies with meaningful Price/DCF (Projected) only.
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
89% of the 1619 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.10 vs. CARV: 0.80 )
Ranked among companies with meaningful Price/Median PS Value only.
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) -1.10
CARV's Earnings Yield (Greenblatt) is ranked lower than
91% of the 1484 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.80 vs. CARV: -1.10 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) only.
CARV' s 10-Year Earnings Yield (Greenblatt) Range
Min: -1.1   Max: 5.5
Current: -1.1

-1.1
5.5
Forward Rate of Return (Yacktman) -671.90
CARV's Forward Rate of Return (Yacktman) is ranked lower than
100% of the 761 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.67 vs. CARV: -671.90 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) only.
CARV' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -1375.1   Max: 726.4
Current: -671.9

-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 NAS: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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