CARV (Carver Bancorp) Cyclically Adjusted Revenue per Share: $7.01 (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.

CARV Carver Bancorp Inc CARV
54 GF Score
Price $1.61
GF Value $1.59
Valuation Fairly Valued
! 3 Warning Signs
View Full Analysis

What is Carver Bancorp Cyclically Adjusted Revenue per Share?

Carver Bancorp CARV 54 Cyclically Adjusted Revenue per Share is $7.01 as of Jun. 2026. GuruFocus rates CARV with a GF Score™ of 54/100 and a GF Value™ of $1.59 (Fairly Valued). 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 Revenue per Share and the Cyclically Adjusted PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted Revenue per Share of a company over the past 10 years.

Carver Bancorp's adjusted revenue per share for the three months ended in Jun. 2026 was $1.105. Add all the adjusted revenue per share for the past 10 years together and divide the count will get our Cyclically Adjusted Revenue per Share, which is $7.01 for the trailing ten years ended in Jun. 2026.

During the past 12 months, Carver Bancorp's average Cyclically Adjusted Revenue Growth Rate was -3.70% per year. During the past 3 years, the average Cyclically Adjusted Revenue Growth Rate was -2.70% per year. During the past 5 years, the average Cyclically Adjusted Revenue Growth Rate was -11.20% per year. During the past 10 years, the average Cyclically Adjusted Revenue Growth Rate was -28.80% per year. 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 Revenue Growth Rate using Cyclically Adjusted Revenue per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted Revenue Growth Rate of Carver Bancorp was 7.60% per year. The lowest was -50.20% per year. And the median was -7.90% per year.

As of today (2026-08-21), Carver Bancorp's current stock price is $1.614. Carver Bancorp's Cyclically Adjusted Revenue per Share for the quarter that ended in Jun. 2026 was $7.01. Carver Bancorp's Cyclically Adjusted PS Ratio of today is 0.23.

During the past 13 years, the highest Cyclically Adjusted PS Ratio of Carver Bancorp was 2.35. The lowest was 0.02. And the median was 0.22.


Carver Bancorp  (OTCPK:CARV) Cyclically Adjusted Revenue per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted Revenue per Share may underestimate the company's revenue. Cyclically Adjusted PS Ratio can seem to be too high even the actual PS Ratio is low.

For the Cyclically Adjusted PS Ratio, the revenue per share of the past 10 years are inflation-adjusted and averaged. The result is used for P/S calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted PS Ratio is also called CAPS 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 PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted revenue per share of a company over the past 10 years.

Carver Bancorp's Cyclically Adjusted PS Ratio of today is calculated as

Cyclically Adjusted PS Ratio=Share Price/Cyclically Adjusted Revenue per Share
=1.614/7.01
=0.23

* 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.

During the past 13 years, the highest Cyclically Adjusted PS Ratio of Carver Bancorp was 2.35. The lowest was 0.02. And the median was 0.22.


Be Aware

Cyclically Adjusted PS Ratio works better for cyclical companies. It gives you a better idea on the company's real revenue value.


Carver Bancorp Cyclically Adjusted Revenue per Share Related Terms


Carver Bancorp Cyclically Adjusted Revenue per Share Historical Data

* Premium members only.

The historical data trend for Carver Bancorp's Cyclically Adjusted Revenue 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 Revenue per Share Chart

Carver Bancorp Annual Data
Trend Mar17 Mar18 Mar19 Mar20 Mar21 Mar22 Mar23 Mar24 Mar25 Mar26
Cyclically Adjusted Revenue per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 7.59 7.68 7.58 7.32 7.07

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 Revenue 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 7.28 7.20 7.04 7.07 7.01

CARV vs FSGB, EWSB, MFBI: Cyclically Adjusted Revenue per Share Comparison

For the Banks - Regional subindustry, Carver Bancorp's Cyclically Adjusted PS Ratio, along with its competitors' market caps and Cyclically Adjusted PS Ratio 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 PS Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Carver Bancorp's Cyclically Adjusted PS Ratio distribution charts can be found below:

* The bar in red indicates where Carver Bancorp's Cyclically Adjusted PS Ratio falls into.


CARV
54GF Score
Carver Bancorp Inc CARV
Cyclically Adjusted Revenue per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Carver Bancorp Cyclically Adjusted Revenue 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 Revenue per Share and the Cyclically Adjusted PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted Revenue per Share of a company over the past 10 years.

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

Cyclically Adjusted Revenue per Share is the average of the inflation adjusted Revenue 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 Revenue per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the revenue per share from 2001 through 2010.

We adjusted the 2001 revenue per share data with the total inflation from 2001 through 2010 to the equivalent revenue in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's revenue is $1 a share in 2001, then the 2001's equivalent revenue in 2010 is $1.4 a share. If Wal-Mart's revenue is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 revenue in 2010 is $1.35. So on and so forth, you get the equivalent revenue per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted Revenue 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 Revenue per Share data for the three months ended in Jun. 2026 was:

Adj_RevenuePerShare= Revenue per Share /CPI of Jun. 2026 (Change)*Current CPI (Jun. 2026)
=1.105/333.9520*333.9520
=1.105

Current CPI (Jun. 2026) = 333.9520.

Carver Bancorp Quarterly Data

Revenue per Share CPI Adj_RevenuePerShare
201609 1.716 241.428 2.374
201612 1.601 241.432 2.215
201703 1.817 243.801 2.489
201706 1.663 244.955 2.267
201709 1.680 246.819 2.273
201712 1.627 246.524 2.204
201803 1.468 249.554 1.964
201806 1.527 251.989 2.024
201809 1.417 252.439 1.875
201812 1.424 251.233 1.893
201903 1.342 254.202 1.763
201906 1.382 256.143 1.802
201909 1.312 256.759 1.706
201912 1.350 256.974 1.754
202003 1.291 258.115 1.670
202006 1.413 257.797 1.830
202009 1.548 260.280 1.986
202012 1.690 260.474 2.167
202103 1.864 264.877 2.350
202106 1.860 271.696 2.286
202109 1.510 274.310 1.838
202112 1.266 278.802 1.516
202203 1.615 287.504 1.876
202206 1.542 296.311 1.738
202209 1.538 296.808 1.730
202212 1.568 296.797 1.764
202303 1.519 301.836 1.681
202306 1.391 305.109 1.522
202309 1.425 307.789 1.546
202312 1.249 306.746 1.360
202403 1.608 312.332 1.719
202406 1.208 314.175 1.284
202409 1.280 315.301 1.356
202412 0.761 315.605 0.805
202503 1.053 319.799 1.100
202506 1.291 322.561 1.337
202509 1.207 324.800 1.241
202512 1.328 324.054 1.369
202603 1.313 330.213 1.328
202606 1.105 333.952 1.105

Add all the adjusted revenue per share together and divide 10 will get our Cyclically Adjusted Revenue per Share.

What does a Cyclically Adjusted Revenue per Share of $7.01 mean?
Carver Bancorp (CARV) has a Cyclically Adjusted Revenue per Share of $7.01 as of Jun. 2026. Cyclically adjusted revenue per share represents the company's inflation-adjusted revenue per share over a 10-year period. View historical data on Carver Bancorp and its competitors.
Is Carver Bancorp's Cyclically Adjusted Revenue per Share too high?
Carver Bancorp's current Cyclically Adjusted Revenue per Share is $7.01. Overall, Carver Bancorp has a GF Score™ of 54/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Carver Bancorp's Cyclically Adjusted Revenue per Share compare to FSGB and EWSB?
Carver Bancorp's Cyclically Adjusted Revenue per Share of $7.01 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 Revenue per Share for a Banks company?
A good Cyclically Adjusted Revenue per Share depends on the Banks industry context. However, Cyclically Adjusted Revenue 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 Revenue per Share mean?
A high Cyclically Adjusted Revenue per Share can signal that a stock is expensive relative to its fundamentals. Cyclically adjusted revenue per share represents the company's inflation-adjusted revenue per share over a 10-year period. View historical data on Carver Bancorp and its competitors. Carver Bancorp's current Cyclically Adjusted Revenue per Share is $7.01. 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?
Based on GuruFocus' analysis, Carver Bancorp (CARV) is currently considered Fairly Valued. The stock's GF Value™ is $1.59, compared to a current price of $1.61 — trading 1.5% above its estimated fair value. The current Cyclically Adjusted Revenue per Share is $7.01. Carver Bancorp's overall GF Score™ is 54/100 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 Revenue per Share calculated?
Cyclically Adjusted Revenue per Share is calculated from a company's financial statements. For Carver Bancorp (CARV), the current Cyclically Adjusted Revenue per Share is $7.01 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 (CARV) Overvalued in 2026?

Based on GuruFocus' analysis, Carver Bancorp stock appears to be overvalued. The current stock price of $1.61 is trading 1.5% above its estimated GF Value™ of $1.59. GuruFocus considers Carver Bancorp to be Fairly Valued.

Key valuation signals for CARV:

  • Cyclically Adjusted Revenue per Share: $7.01
  • GF Value™: $1.59 vs. price of $1.61 (1.5% above fair value)
  • GF Score™: 54/100 with 3 warning signs

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


Carver Bancorp Business Description

Other Exchanges 39CN:Germany
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.
54GF Score

Get the complete analysis for CARV

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

$1.61
Price
$1.59
GF Value