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Carver Bancorp (Carver Bancorp) E10 : $-0.83 (As of Dec. 2023)


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What is Carver Bancorp E10?

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.

Carver Bancorp's adjusted earnings per share data for the three months ended in Dec. 2023 was $0.002. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is $-0.83 for the trailing ten years ended in Dec. 2023.

During the past 3 years, the average E10 Growth Rate was 73.50% per year. During the past 5 years, the average E10 Growth Rate was 62.70% per year. During the past 10 years, the average E10 Growth Rate was 29.20% 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 E10 growth rate using E10 data.

During the past 13 years, the highest 3-Year average E10 Growth Rate of Carver Bancorp was 75.60% per year. The lowest was -38.10% per year. And the median was 2.10% per year.

As of today (2024-04-27), Carver Bancorp's current stock price is $1.60. Carver Bancorp's E10 for the quarter that ended in Dec. 2023 was $-0.83. Carver Bancorp's Shiller PE Ratio of today is .

During the past 13 years, the highest Shiller PE Ratio of Carver Bancorp was 12.32. The lowest was 0.00. And the median was 10.15.


Carver Bancorp E10 Historical Data

The historical data trend for Carver Bancorp's E10 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.

* Premium members only.

Carver Bancorp E10 Chart

Carver Bancorp Annual Data
Trend Mar14 Mar15 Mar16 Mar17 Mar18 Mar19 Mar20 Mar21 Mar22 Mar23
E10
Get a 7-Day Free Trial Premium Member Only Premium Member Only -41.49 -40.36 -12.02 -0.60 -0.75

Carver Bancorp Quarterly Data
Mar19 Jun19 Sep19 Dec19 Mar20 Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23
E10 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 -0.68 -0.75 -0.81 -0.86 -0.83

Competitive Comparison of Carver Bancorp's E10

For the Banks - Regional subindustry, Carver Bancorp's Shiller PE Ratio, along with its competitors' market caps and Shiller PE 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's Shiller PE Ratio Distribution in the Banks Industry

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

* The bar in red indicates where Carver Bancorp's Shiller PE Ratio falls into.



Carver Bancorp E10 Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. When we calculate the today's Shiller P/E ratio of a stock, we use today's price divided by E10.

What is E10? How do we calculate E10?

E10 is the average of the inflation adjusted earnings of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the E10 of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the earnings from 2001 through 2010.

We adjusted the earnings of 2001 earnings data with the total inflation from 2001 through 2010 to the equivalent earnings in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart earned $1 a share in 2001, then the 2001's equivalent earnings in 2010 is $1.4 a share. If Wal-Mart earns $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 earnings in 2010 is $1.35. So on and so forth, you get the equivalent earnings of past 10 years. Then you add them together and divided the sum by 10 to get E10.

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 earnings per share data for the three months ended in Dec. 2023 was:

Adj_EPS= Earnings per Share (Diluted) /CPI of Dec. 2023 (Change)*Current CPI (Dec. 2023)
=0.002/129.4194*129.4194
=0.002

Current CPI (Dec. 2023) = 129.4194.

Carver Bancorp Quarterly Data

per share eps CPI Adj_EPS
201403 -0.110 99.695 -0.143
201406 0.050 100.560 0.064
201409 0.060 100.428 0.077
201412 0.030 99.070 0.039
201503 -0.030 99.621 -0.039
201506 0.050 100.684 0.064
201509 -0.040 100.392 -0.052
201512 0.060 99.792 0.078
201603 -0.570 100.470 -0.734
201606 0.040 101.688 0.051
201609 -0.070 101.861 -0.089
201612 -0.240 101.863 -0.305
201703 -0.550 102.862 -0.692
201706 -0.170 103.349 -0.213
201709 -0.160 104.136 -0.199
201712 -0.260 104.011 -0.324
201803 1.170 105.290 1.438
201806 -0.280 106.317 -0.341
201809 -0.550 106.507 -0.668
201812 -0.360 105.998 -0.440
201903 -0.410 107.251 -0.495
201906 -0.310 108.070 -0.371
201909 -0.280 108.329 -0.335
201912 -0.390 108.420 -0.466
202003 -0.490 108.902 -0.582
202006 -0.220 108.767 -0.262
202009 -0.210 109.815 -0.247
202012 -0.440 109.897 -0.518
202103 -0.300 111.754 -0.347
202106 -0.810 114.631 -0.914
202109 0.190 115.734 0.212
202112 0.130 117.630 0.143
202203 0.040 121.301 0.043
202206 -0.200 125.017 -0.207
202209 -0.220 125.227 -0.227
202212 -0.250 125.222 -0.258
202303 -0.350 127.348 -0.356
202306 -0.320 128.729 -0.322
202309 -0.330 129.860 -0.329
202312 0.002 129.419 0.002

Add all the adjusted EPS together and divide 10 will get our e10.


Carver Bancorp  (NAS:CARV) E10 Explanation

If a company grows much fast than inflation, E10 may underestimate the company's earnings power. Shiller PE Ratio can seem to be too high even the actual P/E is low.

For the Shiller P/E, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller P/E is also called PE10.

The Shiller P/E was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.

During the past 13 years, the highest Shiller P/E Ratio of Carver Bancorp was 12.32. The lowest was 0.00. And the median was 10.15.


Be Aware

Shiller PE Ratio works better for cyclical companies. It gives you a better idea on the company's real earnings power.


Carver Bancorp E10 Related Terms

Thank you for viewing the detailed overview of Carver Bancorp's E10 provided by GuruFocus.com. Please click on the following links to see related term pages.


Carver Bancorp (Carver Bancorp) Business Description

Traded in Other Exchanges
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.
Executives
Isaac Torres officer: SVP and GC 75 WEST 125TH STREET, NEW YORK NY 10027
Craig C Mackay director 75 WEST 125TH STREET, NEW YORK NY 10027
Robin L Nunn director 75 WEST 125TH STREET, NEW YORK NY 10027
Christina L Maier officer: CFO C/O PATRIOT NATIONAL BANCORP, INC., 900 BEDFORD STREET, STAMFORD CT 06901
Sophia Haliotis officer: SVP and CCO 75 WEST 125TH STREET, NEW YORK NY 10027
Michael T. Pugh officer: President & COO CARVER BANCORP, INC., 75 WEST 125TH STREET, NEW YORK NY 10027
Jones Lewis P. Iii director 75 WEST 125TH STREET, NEW YORK NY 10027
Steven Bussey director 75 WEST 125TH STREET, NEW YORK NY 10027
Jillian E Joseph director 75 WEST 125TH STREET, NEW YORK NY 10027
Robert W Mooney director 75 WEST 125TH STREET, NEW YORK NY 10027
Thomas K Ritter director 120 CAMBRIDGE AVENUE, LINWOOD NJ 08221
Deborah C Wright director, officer: President & CEO CARVER BANCORP, INC, 75 W. 125TH STREET, NEW YORK NY 10027
Ingrid Lamae Dejongh director 75 W. 125TH STREET, NEW YORK NY 10027
Grannum Colvin director 75 WEST 125TH STREET, NEW YORK NY 10027
Kenneth Knuckles director 75 WEST 125TH STREET, NEW YORK NY 10027

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