CARV
Carver Bancorp Inc
NASDAQ: CARV · FINANCIAL SERVICES · BANKS - REGIONAL
$1.72
-1.32% today
Updated 2026-04-29
Market cap
$9.36M
P/E ratio
—
P/S ratio
0.42x
EPS (TTM)
$-2.49
Dividend yield
—
52W range
$1 – $4
Volume
0.0M
Carver Bancorp Inc (CARV) Financial statements
SEC filings — annual and quarterly data.
Income statement — annual
| Item | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $37.73M | $44.61M | $55.99M | $47.17M | $44.35M | $43.58M | $31.59M | $30.83M | $30.05M | $27.89M | $31.36M | $25.76M | $29.10M | $27.26M | $25.37M | $26.50M | $30.22M | $31.30M | $40.74M | $37.37M |
| Revenue growth (YoY) | — | +18.2% | +25.5% | -15.7% | -6.0% | -1.7% | -27.5% | -2.4% | -2.5% | -7.2% | +12.4% | -17.9% | +13.0% | -6.3% | -7.0% | +4.5% | +14.0% | +3.6% | +30.2% | -8.3% |
| Cost of revenue | $13.49M | $19.51M | $22.88M | $19.21M | $18.85M | $36.57M | $24.39M | $1.55M | $3.52M | $1.10M | $6.10M | $4.95M | $5.42M | $5.87M | $5.65M | $4.32M | $3.00M | $5.01M | $11.54M | $16.32M |
| Gross profit | $24.23M | $25.10M | $33.12M | $27.97M | $25.50M | $7.01M | $7.20M | $29.28M | $26.53M | $26.80M | $25.26M | $25.80M | $23.69M | $21.39M | $19.73M | $22.18M | $27.22M | $26.28M | $29.20M | $21.05M |
| Gross margin | 64.2% | 56.3% | 59.1% | 59.3% | 57.5% | 16.1% | 22.8% | 95.0% | 88.3% | 96.1% | 80.5% | 100.2% | 81.4% | 78.5% | 77.8% | 83.7% | 90.1% | 84.0% | 71.7% | 56.3% |
| R&D | — | — | — | — | — | — | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | — | — | — | — | — | — | — |
| SG&A | $9.51M | $10.47M | $13.32M | $14.85M | $13.87M | $13.64M | $13.62M | $12.37M | $13.04M | $12.19M | $11.88M | $14.73M | $15.22M | $14.73M | $12.76M | $12.67M | $13.15M | $15.15M | $15.40M | $16.52M |
| Operating income | $5.10M | $1.76M | $3.10M | $-9.87M | $-3.89M | $-23.75M | $-23.74M | $45000.00 | $-844000.00 | $-387000.00 | $-1.64M | $-2.73M | $5.32M | $-5.94M | $-5.42M | $-3.90M | $-847000.00 | $-4.40M | $-2.98M | $-13.74M |
| Operating margin | 13.5% | 3.9% | 5.5% | -20.9% | -8.8% | -54.5% | -75.1% | 0.1% | -2.8% | -1.4% | -5.2% | -10.6% | 18.3% | -21.8% | -21.4% | -14.7% | -2.8% | -14.1% | -7.3% | -36.8% |
| EBITDA | $7.51M | $2.20M | $4.56M | $-7.93M | $-1.36M | $-22.09M | $-22.29M | $1.18M | $235000.00 | $665000.00 | $-224000.00 | — | $6.22M | $-5.14M | $-4.46M | $-2.88M | $182000.00 | $-3.34M | $-2.01M | $-12.93M |
| EBITDA margin | 19.9% | 4.9% | 8.1% | -16.8% | -3.1% | -50.7% | -70.6% | 3.8% | 0.8% | 2.4% | -0.7% | 0.0% | 21.4% | -18.9% | -17.6% | -10.9% | 0.6% | -10.7% | -4.9% | -34.6% |
| EBIT | $5.10M | $1.76M | $3.10M | $-9.87M | $-3.89M | $-23.75M | $-23.74M | $45000.00 | $-844000.00 | $-387000.00 | $-1.64M | $-2.73M | $5.32M | $-5.94M | $-5.42M | $-3.90M | $-847000.00 | $-4.40M | $-2.98M | $-13.74M |
| Interest expense | $13.49M | $19.23M | $22.66M | $16.51M | $11.01M | $9.46M | $8.05M | $4.88M | $3.95M | $3.94M | $4.61M | $0.00 | $5.28M | $6.14M | $5.63M | $4.42M | $2.40M | $4.91M | $11.46M | $15.13M |
| Income tax | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Effective tax rate | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Net income | $3.77M | $2.58M | $3.98M | $-7.02M | $-1.02M | $-39.53M | $-23.41M | $662000.00 | $-836000.00 | $-272000.00 | $-1.77M | $-2.85M | $5.35M | $-5.94M | $-5.42M | $-3.90M | $-847000.00 | $-4.40M | $-2.98M | $-13.74M |
| Net income growth (YoY) | — | -31.5% | +54.1% | -276.5% | +85.5% | -3771.4% | +40.8% | +102.8% | -226.3% | +67.5% | -549.6% | -61.5% | +287.7% | -210.9% | +8.6% | +28.2% | +78.3% | -419.6% | +32.4% | -361.7% |
| Profit margin | 10.0% | 5.8% | 7.1% | -14.9% | -2.3% | -90.7% | -74.1% | 2.1% | -2.8% | -1.0% | -5.6% | -11.1% | 18.4% | -21.8% | -21.4% | -14.7% | -2.8% | -14.1% | -7.3% | -36.8% |