📊 CARV Key Takeaways
Is Carver Bancorp Inc. (CARV) a Good Investment?
Carver Bancorp is experiencing severe financial distress with collapsing revenues (down 91.2% YoY), negative operating income of -$3.6M, and deeply negative profitability margins (-166.3%). The company is burning cash with negative operating cash flow of -$1.8M and deteriorating asset quality, making it a distressed financial institution with fundamental sustainability concerns.
Carver Bancorp's latest fundamentals are severely weakened by a 91.2% year-over-year revenue decline, deeply negative operating and net margins, and negative free cash flow. While the balance sheet still shows positive equity and a meaningful cash position, current profitability and cash generation trends indicate deteriorating earnings quality and limited financial flexibility unless operating performance stabilizes quickly.
Why Buy Carver Bancorp Inc. Stock? CARV Key Strengths
- Maintains modest liquidity with $40.7M in cash equivalents representing 5.8% of total assets
- Debt-to-equity ratio of 0.75x remains moderate relative to financial sector standards
- Total assets of $697.9M provide some operational scale despite performance deterioration
- Positive stockholders' equity of $26.93M provides a remaining capital cushion
- Cash and equivalents of $40.75M offer near-term liquidity support
- Debt/equity of 0.75x is not extreme on its own relative to the company's equity base
CARV Stock Risks: Carver Bancorp Inc. Investment Risks
- Revenue collapsed 91.2% year-over-year indicating severe business contraction or accounting adjustments
- Operating cash flow is negative at -$1.8M with free cash flow of -$2.1M showing unsustainable cash burn
- Net income of -$3.6M with operating margin of -166.3% indicates the company is non-viable at current run rate
- Stockholders' equity of only $26.9M represents 3.9% of assets, leaving minimal cushion for asset losses
- Negative interest coverage ratio of -1.0x indicates inability to service debt from operations
- Revenue collapsed 91.2% year over year, signaling major franchise and earnings pressure
- Net loss of $3.61M with -166.3% net margin shows the core business is currently unprofitable
- Negative operating cash flow and free cash flow reduce flexibility and increase dependence on balance-sheet resources
Key Metrics to Watch
- Operating cash flow trend and path to positive cash generation
- Revenue stabilization and drivers of the 91.2% decline
- Loan loss provisions and asset quality metrics in upcoming filings
- Stockholders' equity levels and capital adequacy ratios
- Management changes or strategic restructuring announcements
- Quarterly revenue/net interest income recovery and operating margin trend
- Capital strength and tangible/common equity trend versus ongoing losses
Carver Bancorp Inc. (CARV) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The current ratio below 1.0x warrants monitoring of short-term liquidity.
CARV Profit Margin, ROE & Profitability Analysis
CARV vs Finance Sector: How Carver Bancorp Inc. Compares
How Carver Bancorp Inc. compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is Carver Bancorp Inc. Stock Overvalued? CARV Valuation Analysis 2026
Based on fundamental analysis, Carver Bancorp Inc. has mixed fundamental signals relative to the Finance sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
Carver Bancorp Inc. Balance Sheet: CARV Debt, Cash & Liquidity
CARV Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: Carver Bancorp Inc.'s revenue has declined by 40% over the 5-year period, indicating business contraction. The most recent EPS of $-0.61 indicates the company is currently unprofitable.
CARV Revenue Growth, EPS Growth & YoY Performance
CARV Quarterly Earnings & Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q2 2026 | $711.0K | -$2.1M | $-0.41 |
| Q1 2026 | $578.0K | -$1.2M | $-0.22 |
| Q3 2025 | $731.0K | $19.0K | $0.00 |
| Q2 2025 | $711.0K | -$1.6M | $-0.33 |
| Q1 2025 | $578.0K | -$1.4M | $-0.32 |
| Q3 2024 | $671.0K | $19.0K | $0.00 |
| Q2 2024 | $767.0K | -$955.0K | $-0.22 |
| Q1 2024 | $681.0K | -$857.0K | $-0.20 |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
Carver Bancorp Inc. Dividends, Buybacks & Capital Allocation
CARV SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for Carver Bancorp Inc. (CIK: 0001016178)
📋 Recent SEC Filings
❓ Frequently Asked Questions about CARV
What is the AI rating for CARV?
Carver Bancorp Inc. (CARV) has a Combined AI Rating of STRONG SELL from Claude (STRONG SELL) and ChatGPT (STRONG SELL) with 91% combined confidence, based on fundamental analysis of SEC EDGAR filings.
What are CARV's key strengths?
Claude: Maintains modest liquidity with $40.7M in cash equivalents representing 5.8% of total assets. Debt-to-equity ratio of 0.75x remains moderate relative to financial sector standards. ChatGPT: Positive stockholders' equity of $26.93M provides a remaining capital cushion. Cash and equivalents of $40.75M offer near-term liquidity support.
What are the risks of investing in CARV?
Claude: Revenue collapsed 91.2% year-over-year indicating severe business contraction or accounting adjustments. Operating cash flow is negative at -$1.8M with free cash flow of -$2.1M showing unsustainable cash burn. ChatGPT: Revenue collapsed 91.2% year over year, signaling major franchise and earnings pressure. Net loss of $3.61M with -166.3% net margin shows the core business is currently unprofitable.
What is CARV's revenue and growth?
Carver Bancorp Inc. reported revenue of $2.2M.
Does CARV pay dividends?
Carver Bancorp Inc. does not currently pay dividends.
Where can I find CARV SEC filings?
Official SEC filings for Carver Bancorp Inc. (CIK: 0001016178) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is CARV's EPS?
Carver Bancorp Inc. has a diluted EPS of $-0.68.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined rating reflects both perspectives for balanced insights.
Is CARV a good stock to buy right now?
Based on our AI fundamental analysis in April 2026, Carver Bancorp Inc. has a STRONG SELL rating with 91% confidence. Review the strengths and risks sections above before making a decision. This is not investment advice.
Is CARV stock overvalued or undervalued?
Valuation metrics for CARV: ROE of -13.4% (sector avg: 12%), net margin of -166.3% (sector avg: 25%). Compare these metrics with sector averages to assess valuation.
Should I buy CARV stock in 2026?
Our dual AI analysis gives Carver Bancorp Inc. a combined STRONG SELL rating for 2026. Revenue is data pending, with profitability at or below sector average. Always conduct your own research.
What is CARV's free cash flow?
Carver Bancorp Inc.'s operating cash flow is $-1.8M, with capital expenditures of $284.0K. FCF margin is -96.8%.
How does CARV compare to other Finance stocks?
Vs Finance sector averages: Net margin -166.3% (avg: 25%), ROE -13.4% (avg: 12%), current ratio N/A (avg: 1.2).