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EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Carver Bancorp's Enterprise Value is $35.79 Mil.
Carver Bancorp's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was $-8.31 Mil. Therefore, Carver Bancorp's EV-to-FCF for today is -4.31.
The historical rank and industry rank for Carver Bancorp's EV-to-FCF or its related term are showing as below:
CARV'
s EV-to-FCF Range Over the Past 10 Years
Min: -903.04 Med: -3.97 Max: 135.31
Current: -4.31
During the past 13 years, the highest EV-to-FCF of Carver Bancorp was 135.31. The lowest was -903.04. And the median was -3.97.
CARV's EV-to-FCF is ranked worse than 100% of 1198
companies
in the Banks industry
Industry Median: 6.68
vs CARV: -4.31
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Carver Bancorp's PE Ratio (TTM) for today is calculated as:
Carver Bancorp's share price for today is $1.47.
Carver Bancorp's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $-1.290.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Carver Bancorp EV-to-FCF Related Terms
Carver Bancorp EV-to-FCF Historical Data
* Premium members only.
The historical data trend for Carver Bancorp's EV-to-FCF 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.
For the Banks - Regional subindustry, Carver Bancorp's EV-to-FCF, along with its competitors' market caps and EV-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 EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Carver Bancorp's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Carver Bancorp's EV-to-FCF falls into.
Carver Bancorp's current Enterprise Value is $35.79 Mil.
Carver Bancorp's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $-8.31 Mil.
* 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 (CARV) has a EV-to-FCF of -4.31 as of Jul. 21, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Carver Bancorp and its competitors. According to the industry distribution chart, Carver Bancorp ranks #999999 out of 1198 companies in the Banks industry.
Is Carver Bancorp's EV-to-FCF too high?
Carver Bancorp's current EV-to-FCF is -4.31. Based on the distribution chart, Carver Bancorp ranks #999999 out of 1198 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Carver Bancorp has a GF Score™ of 52/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Carver Bancorp's EV-to-FCF compare to EWSB and LWCL?
According to the Banks industry distribution chart, Carver Bancorp ranks #999999 out of 1198 companies for EV-to-FCF. This places Carver Bancorp in the lower half of its industry. The industry median EV-to-FCF is 6.68. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 6.68, based on 1,198 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF 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 EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Carver Bancorp and its competitors. For the Banks industry, the median EV-to-FCF is 6.68 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Carver Bancorp's current EV-to-FCF is -4.31. 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 Modestly Undervalued. The stock's GF Value™ is $1.70, compared to a current price of $1.47 — trading 13.5% below its estimated fair value. The current EV-to-FCF is -4.31. Carver Bancorp's overall GF Score™ is 52/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Carver Bancorp (CARV), the current EV-to-FCF is -4.31 as of Jul. 21, 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 undervalued.
The current stock price of $1.47 is trading 13.5% below its estimated GF Value™ of $1.70.
GuruFocus considers Carver Bancorp to be Modestly Undervalued.
Key valuation signals for CARV:
EV-to-FCF: -4.31
GF Value™: $1.70 vs. price of $1.47 (13.5% below fair value)
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 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.
52GF Score
Get the complete analysis for CARV
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