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.
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.
Return on Retained Earnings (RORE) is an indicator of a company's growth potential, it shows how much a company earns by reinvesting its retained earnings, i.e. profits after dividend payments.
Carver Bancorp's 5-Year RORE % for the quarter that ended in Jun. 2026 was 27.54%.
The industry rank for Carver Bancorp's 5-Year RORE % or its related term are showing as below:
CARV's 5-Year RORE % is ranked better than 84.37% of 1401
companies
in the Banks industry
Industry Median: 10.31
vs CARV: 27.54
Return on Retained Earnings (RORE) is important to investors because it reveals a company's efficiency and growth potential. A higher RORE indicates a higher return. A high RORE indicates that the company should reinvest profits into the business. A lower RORE suggests that the company should distribute profits to shareholders by paying out dividends, since those dollars aren't generating much additional growth for the company.
There are a several different ways to arrive at the Return on Retained Earnings. The simplest way to calculate it is by using published information on Earnings per Share (EPS) and Dividend per Share (DPS) over a selected period. Here, 5-year period is chosen.
Be Aware
Please keep in mind that the RORE is relative to the nature of the business and its competitors. If another company in the same sector is producing a lower return on retained earnings, it doesn’t necessarily mean it’s a bad investment. It may just suggest the company is older and no longer in a high growth stage. At such a stage in the business cycle, it would be expected to see a lower RORE and higher dividend payout.
Carver Bancorp 5-Year RORE % Related Terms
Carver Bancorp 5-Year RORE % Historical Data
* Premium members only.
The historical data trend for Carver Bancorp's 5-Year RORE % 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.
CARV vs FSGB, EWSB, MFBI: 5-Year RORE % Comparison
For the Banks - Regional subindustry, Carver Bancorp's 5-Year RORE %, along with its competitors' market caps and 5-Year RORE % 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 5-Year RORE % vs Banks Industry
For the Banks industry and Financial Services sector, Carver Bancorp's 5-Year RORE % distribution charts can be found below:
* The bar in red indicates where Carver Bancorp's 5-Year RORE % falls into.
* 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.
In the calculation of 5-Year RORE %, the most recent and first period EPS (Diluted) is the trailing twelve months (TTM) data ended in Jun. 2026 and 5-year before.
Carver Bancorp (CARV) has a 5-Year RORE % of 27.54 as of Jun. 2026. 5-Year RORE % shows how much a company earns by reinvesting its retained earnings in 5-year. View historical data on Carver Bancorp and its competitors. According to the industry distribution chart, Carver Bancorp ranks #219 out of 1401 companies in the Banks industry, placing it in the top 15.6%.
Is Carver Bancorp's 5-Year RORE % too high?
Carver Bancorp's current 5-Year RORE % is 27.54. The Banks industry median 5-Year RORE % is 10.31. Carver Bancorp's value of 27.54 is 167.1% above this industry median. Based on the distribution chart, Carver Bancorp ranks #219 out of 1401 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. 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 5-Year RORE % compare to FSGB and EWSB?
According to the Banks industry distribution chart, Carver Bancorp ranks #219 out of 1401 companies for 5-Year RORE %. This places Carver Bancorp in the top 16% of its industry — outperforming the majority of peers. The industry median 5-Year RORE % is 10.31. Carver Bancorp's value of 27.54 is 167.1% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 5-Year RORE % for a Banks company?
The median 5-Year RORE % among Banks companies is 10.31, based on 1,401 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year RORE % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year RORE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Carver Bancorp's current 5-Year RORE % of 27.54 is 167.1% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 5-Year RORE % mean?
A high 5-Year RORE % can signal that a stock is expensive relative to its fundamentals. 5-Year RORE % shows how much a company earns by reinvesting its retained earnings in 5-year. View historical data on Carver Bancorp and its competitors. For the Banks industry, the median 5-Year RORE % is 10.31 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Carver Bancorp's current 5-Year RORE % is 27.54. 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 $1.75 — trading 10.1% above its estimated fair value. The current 5-Year RORE % is 27.54 and 167.1% above the Banks industry median of 10.31. 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 5-Year RORE % calculated?
5-Year RORE % is calculated from a company's financial statements. For Carver Bancorp (CARV), the current 5-Year RORE % is 27.54 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 $1.75 is trading 10.1% above its estimated GF Value™ of $1.59.
GuruFocus considers Carver Bancorp to be Fairly Valued.
Key valuation signals for CARV:
5-Year RORE %: 27.54
GF Value™: $1.59 vs. price of $1.75 (10.1% above fair value)
Industry Position: 167.1% above the Banks median (#219 of 1401)
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.
54GF Score
Get the complete analysis for CARV
5-Year RORE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
CARV has been successfully added to your 
