Carver Bancorp (FRA:39CN) Cyclically Adjusted FCF per Share: €0.00 (As of Jun. 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

FRA:39CN Carver Bancorp Inc FRA:39CN
53 GF Score
Price €1.55
GF Value €1.37
! 3 Warning Signs
View Full Analysis

What is Carver Bancorp Cyclically Adjusted FCF per Share?

Carver Bancorp FRA:39CN +15.67% 53 Cyclically Adjusted FCF per Share is €0.00 as of Jun. 2026. GuruFocus rates FRA:39CN with a GF Score™ of 53/100 and a GF Value™ of €1.37. The stock has 3 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

Carver Bancorp's adjusted free cash flow per share for the three months ended in Jun. 2026 was €0.000. Add all the adjusted free cash flow per share for the past 10 years together and divide the count will get our Cyclically Adjusted FCF per Share, which is €0.00 for the trailing ten years ended in Jun. 2026.

Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Cyclically Adjusted FCF Growth Rate using Cyclically Adjusted FCF per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted FCF Growth Rate of Carver Bancorp was 59.90% per year. The lowest was -90.40% per year. And the median was -19.10% per year.

As of today (2026-09-06), Carver Bancorp's current stock price is €1.55. Carver Bancorp's Cyclically Adjusted FCF per Share for the quarter that ended in Jun. 2026 was €0.00. Carver Bancorp's Cyclically Adjusted Price-to-FCF of today is .

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of Carver Bancorp was 500.00. The lowest was 0.12. And the median was 0.78.


Carver Bancorp  (FRA:39CN) Cyclically Adjusted FCF per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted FCF per Share may underestimate the company's free cash flow. Cyclically Adjusted Price-to-FCF can seem to be too high even the actual Price-to-Free-Cash-Flow is low.

For the Cyclically Adjusted Price-to-FCF, the free cash flow per share of the past 10 years are inflation-adjusted and averaged. The result is used for P/FCF calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted Price-to-FCF is also called CAPFCF Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted free cash flow per share of a company over the past 10 years.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of Carver Bancorp was 500.00. The lowest was 0.12. And the median was 0.78.


Be Aware

Cyclically Adjusted Price-to-FCF works better for cyclical companies. It gives you a better idea on the company's real free cash flow value.


Carver Bancorp Cyclically Adjusted FCF per Share Related Terms


Carver Bancorp Cyclically Adjusted FCF per Share Historical Data

* Premium members only.

The historical data trend for Carver Bancorp's Cyclically Adjusted FCF per Share can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Carver Bancorp Cyclically Adjusted FCF per Share Chart

Carver Bancorp Annual Data
Trend Mar17 Mar18 Mar19 Mar20 Mar21 Mar22 Mar23 Mar24 Mar25 Mar26
Cyclically Adjusted FCF per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 0.00 -0.66 -0.98 0.00

Carver Bancorp Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Cyclically Adjusted FCF per Share Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only -0.94 -0.98 0.00 0.00 0.00

FRA:39CN vs EWSB, FSGB, MFBI: Cyclically Adjusted FCF per Share Comparison

For the Banks - Regional subindustry, Carver Bancorp's Cyclically Adjusted Price-to-FCF, along with its competitors' market caps and Cyclically Adjusted Price-to-FCF data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Carver Bancorp Cyclically Adjusted Price-to-FCF vs Banks Industry

For the Banks industry and Financial Services sector, Carver Bancorp's Cyclically Adjusted Price-to-FCF distribution charts can be found below:

* The bar in red indicates where Carver Bancorp's Cyclically Adjusted Price-to-FCF falls into.


FRA:39CN
53GF Score
Carver Bancorp Inc FRA:39CN
Cyclically Adjusted FCF per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Carver Bancorp Cyclically Adjusted FCF per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

What is Cyclically Adjusted FCF per Share? How do we calculate Cyclically Adjusted FCF per Share?

Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted FCF per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the free cash flow per share from 2001 through 2010.

We adjusted the 2001 free cash flow per share data with the total inflation from 2001 through 2010 to the equivalent free cash flow in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's free cash flow is $1 a share in 2001, then the 2001's equivalent free cash flow in 2010 is $1.4 a share. If Wal-Mart's free cash flow is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 free cash flow in 2010 is $1.35. So on and so forth, you get the equivalent free cash flow per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted FCF per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Carver Bancorp's adjusted Free Cash Flow per Share data for the three months ended in Jun. 2026 was:

Adj_FreeCashFlowPerShare= Free Cash Flow per Share /CPI of Jun. 2026 (Change)*Current CPI (Jun. 2026)
=0/333.9520*333.9520
=0.000

Current CPI (Jun. 2026) = 333.9520.

Carver Bancorp Quarterly Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201609 -0.705 241.428 -0.975
201612 0.423 241.432 0.585
201703 0.294 243.801 0.403
201706 -0.382 244.955 -0.521
201709 -0.484 246.819 -0.655
201712 -0.937 246.524 -1.269
201803 0.270 249.554 0.361
201806 -0.035 251.989 -0.046
201809 -1.141 252.439 -1.509
201812 -0.303 251.233 -0.403
201903 -1.267 254.202 -1.664
201906 0.878 256.143 1.145
201909 -0.715 256.759 -0.930
201912 0.118 256.974 0.153
202003 -0.625 258.115 -0.809
202006 3.714 257.797 4.811
202009 -3.506 260.280 -4.498
202012 -1.248 260.474 -1.600
202103 1.731 264.877 2.182
202106 -1.074 271.696 -1.320
202109 -0.071 274.310 -0.086
202112 0.035 278.802 0.042
202203 2.697 287.504 3.133
202206 -2.196 296.311 -2.475
202209 -0.039 296.808 -0.044
202212 0.212 296.797 0.239
202303 -0.375 301.836 -0.415
202306 -0.364 305.109 -0.398
202309 -1.052 307.789 -1.141
202312 0.461 306.746 0.502
202403 -0.541 312.332 -0.578
202406 -0.452 314.175 -0.480
202409 -0.549 315.301 -0.581
202412 -0.202 315.605 -0.214
202503 -1.097 319.799 -1.146
202506 -0.064 322.561 -0.066
202509 -0.274 324.800 -0.282
202512 0.000 324.054 0.000
202603 0.000 330.213 0.000
202606 0.000 333.952 0.000

Add all the adjusted free cash flow per share together and divide 10 will get our Cyclically Adjusted FCF per Share.

What does a Cyclically Adjusted FCF per Share of €0.00 mean?
Carver Bancorp (FRA:39CN) has a Cyclically Adjusted FCF per Share of €0.00 as of Jun. 2026. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on Carver Bancorp and its competitors.
Is Carver Bancorp's Cyclically Adjusted FCF per Share too high?
Carver Bancorp's current Cyclically Adjusted FCF per Share is €0.00. Overall, Carver Bancorp has a GF Score™ of 53/100, reflecting its overall financial health beyond just this single metric.
How does Carver Bancorp's Cyclically Adjusted FCF per Share compare to EWSB and FSGB?
Carver Bancorp's Cyclically Adjusted FCF per Share of €0.00 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted FCF per Share for a Banks company?
A good Cyclically Adjusted FCF per Share depends on the Banks industry context. However, Cyclically Adjusted FCF per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted FCF per Share mean?
A high Cyclically Adjusted FCF per Share can signal that a stock is expensive relative to its fundamentals. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on Carver Bancorp and its competitors. Carver Bancorp's current Cyclically Adjusted FCF per Share is €0.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Carver Bancorp stock overvalued right now?
Carver Bancorp (FRA:39CN) has a current Cyclically Adjusted FCF per Share of €0.00. The stock's GF Value™ is €1.37, compared to a current price of €1.55 — trading 13.1% above its estimated fair value. The current Cyclically Adjusted FCF per Share is €0.00. Carver Bancorp's overall GF Score™ is 53/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted FCF per Share calculated?
Cyclically Adjusted FCF per Share is calculated from a company's financial statements. For Carver Bancorp (FRA:39CN), the current Cyclically Adjusted FCF per Share is €0.00 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Carver Bancorp (FRA:39CN) Overvalued in 2026?

Based on GuruFocus' analysis, Carver Bancorp stock appears to be overvalued. The current stock price of €1.55 is trading 13.1% above its estimated GF Value™ of €1.37.

Key valuation signals for FRA:39CN:

  • Cyclically Adjusted FCF per Share: €0.00
  • GF Value™: €1.37 vs. price of €1.55 (13.1% above fair value)
  • GF Score™: 53/100 with 3 warning signs

No single metric tells the full story. See the FRA:39CN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Carver Bancorp Business Description

Other Exchanges CARV:USA
Address 75 West 125th Street, New York, NY, USA, 10027
Carver Bancorp Inc is a holding company and conducts its business as a unitary saving and loan holding firm and the business of the company consists of the operation of its subsidiary. The bank offers a wide range of financial solutions to meet customers' banking. It offers other consumer and commercial banking products and services, such as debit cards, online banking, online bill pay, and telephone banking. The company provides deposit products, such as demand, savings, and time deposits for consumers, businesses, and governmental and quasi-governmental agencies in its market area within New York City.
53GF Score

Get the complete analysis for FRA:39CN

Cyclically Adjusted FCF per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€1.55
Price
€1.37
GF Value