GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » Carver Bancorp Inc (FRA:39CN) » Definitions » E10

Carver Bancorp (FRA:39CN) E10 : €-1.02 (As of Dec. 2024)


View and export this data going back to 2023. Start your Free Trial

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. 2024 was €-1.041. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is €-1.02 for the trailing ten years ended in Dec. 2024.

During the past 3 years, the average E10 Growth Rate was 58.60% per year. During the past 5 years, the average E10 Growth Rate was 62.60% per year. During the past 10 years, the average E10 Growth Rate was 36.10% 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 2.90% per year.

As of today (2025-03-17), Carver Bancorp's current stock price is €1.34. Carver Bancorp's E10 for the quarter that ended in Dec. 2024 was €-1.02. Carver Bancorp's Shiller PE Ratio of today is .


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 Mar15 Mar16 Mar17 Mar18 Mar19 Mar20 Mar21 Mar22 Mar23 Mar24
E10
Get a 7-Day Free Trial Premium Member Only Premium Member Only - - - - -0.81

Carver Bancorp Quarterly Data
Mar20 Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24
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 - -0.81 -0.80 -0.86 -1.02

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. 2024 was:

Adj_EPS= Earnings per Share (Diluted) /CPI of Dec. 2024 (Change)*Current CPI (Dec. 2024)
=-1.041/133.1571*133.1571
=-1.041

Current CPI (Dec. 2024) = 133.1571.

Carver Bancorp Quarterly Data

per share eps CPI Adj_EPS
201503 -0.028 99.621 -0.037
201506 0.045 100.684 0.060
201509 -0.036 100.392 -0.048
201512 0.055 99.792 0.073
201603 -0.512 100.470 -0.679
201606 0.036 101.688 0.047
201609 -0.062 101.861 -0.081
201612 -0.228 101.863 -0.298
201703 -0.514 102.862 -0.665
201706 -0.151 103.349 -0.195
201709 -0.134 104.136 -0.171
201712 -0.220 104.011 -0.282
201803 0.949 105.290 1.200
201806 -0.240 106.317 -0.301
201809 -0.471 106.507 -0.589
201812 -0.316 105.998 -0.397
201903 -0.363 107.251 -0.451
201906 -0.274 108.070 -0.338
201909 -0.254 108.329 -0.312
201912 -0.351 108.420 -0.431
202003 -0.443 108.902 -0.542
202006 -0.195 108.767 -0.239
202009 -0.178 109.815 -0.216
202012 -0.362 109.897 -0.439
202103 -0.252 111.754 -0.300
202106 -0.672 114.631 -0.781
202109 0.162 115.734 0.186
202112 0.115 117.630 0.130
202203 0.036 121.301 0.040
202206 -0.189 125.017 -0.201
202209 -0.222 125.227 -0.236
202212 -0.236 125.222 -0.251
202303 -0.327 127.348 -0.342
202306 -0.295 128.729 -0.305
202309 -0.309 129.860 -0.317
202312 0.000 129.419 0.000
202403 0.018 131.776 0.018
202406 -0.399 132.554 -0.401
202409 -0.369 133.029 -0.369
202412 -1.041 133.157 -1.041

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


Carver Bancorp  (FRA:39CN) 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.


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 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.

Carver Bancorp Headlines

No Headlines