Carver Bancorp, Inc.

Carver Bancorp, Inc.

CARV
Carver Bancorp, Inc.US flagOther OTC
1.50
USD
+0.18
- -
7.93MMarket Cap
Carver Bancorp, Inc.
CARV
(Other OTC)

Recent

price

1.50

P/E

ratio

- -

div

yld

- -

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
202.07
205.54
14.16
7.02
7.06
6.48
7.24
6.97
6.44
5.71
5.33
6.47
7.75
6.17
6.04
4.29
4.95
Revenue per Share
-11.81
-238.11
-14.26
0.18
-0.23
-0.07
-0.48
-0.77
1.45
-1.6
-1.47
-1.14
-0.24
-1.03
-0.61
-2.65
-1.71
Basic EPS, GAAP
8.9
22.92
18.88
5.45
4.12
0.9
-0.04
0.15
-1.78
-3.15
-0.36
0.57
1.94
-2.51
-1.43
-2.5
-1.57
Free Cash Flow per Basic Share
11.77
-4.29
0.22
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Dividend per Share
114.13
-129.15
-27.09
-12.01
-12.04
-12.3
-12.98
-13.75
-12.3
-14.1
-14.12
-12.47
-12.1
-11.18
-10.62
-12.58
-13.3
Book Value per Share
257.44
52.17
6.92
3.14
1.64
2.31
1.83
0.62
1.85
0.55
1.02
7.77
8.13
4.64
4.25
1.51
0.7
Tangible Book Value per Share
- -
- -
2
4
4
4
4
4
4
4
4
3
4
4
5
5
5
Basic Weighted Avg Shares
33
34
24
26
26
24
27
26
24
21
20
22
28
26
29
22
26
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
3
2
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
Depreciation Expense
-1
-40
-23
1
-1
- -
-2
-3
5
-6
-5
-4
-1
-4
-3
-14
-9
Net Income, GAAP
- -
- -
- -
728.89
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Effective Tax Rate (%)
-3.06
-115.85
-99.45
2.55
-3.2
-1.14
-6.61
-11.08
22.47
-28.1
-27.48
-17.64
-3.04
-16.68
-10.17
-61.81
-34.65
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
132
113
43
76
70
83
68
49
38
21
32
53
30
64
57
29
75
LT Debt
62
28
57
57
51
54
52
47
52
47
49
52
55
45
42
30
25
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
-9.56
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Common Equity (%)

Capital Structure

FRC

in mil. unless spec.
Jun'26
Sep'26
Dec'26
ST Debt
- -
- -
- -
LT Borrowings
21
28
69
LT Finance Leases
8
8
7
Preferred Equity and Hybrid Capital
22
22
22
Shares Outstanding
5
5
5
Market Capitalization
9
13
6

Working Capital

FRC

in mil. unless spec.
Jun'26
Sep'26
Dec'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
66
63
89
Accounts Receivable, Net
3
3
3
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
-5%
-8.43%
-30.09%
Free Cash Flow
-204.5%
-39.14%
86.7%
Net Income, GAAP
74.64%
128.5%
361.67%
Sales/Revenue/Turnover
0.22%
3.93%
-24.06%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
6
7
8
8
29
2025
6
7
4
6
22
2026
7
6
7
- -
- -

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
-0.32
-0.33
- -
- -
-0.61
2025
-0.43
-0.41
-1.09
- -
-2.65
2026
-0.22
-0.46
-0.32
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
- -
2025
- -
- -
- -
- -
- -
2026
- -
- -
- -
- -
- -
Business
Carver Bancorp, Inc. (CARV) serves as the holding company for Carver Federal Savings Bank, a federally chartered savings bank and certified Community Development Financial Institution (CDFI) that provides consumer and commercial banking services to individuals, businesses, non-profits, and governmental agencies primarily in underserved African-American and Caribbean-American communities in New York City. The bank offers deposit products including demand, savings, time deposits, high-yield online savings accounts earning up to 4.00% APY, money market accounts, and certificates of deposit with terms from 30 days to 60 months at competitive rates up to 4.25% APR; personal banking solutions such as checking accounts with no minimum balance or monthly fees, debit cards, online banking, bill pay, telephone banking, and Carver Community Cash services for unbanked consumers featuring check cashing, wire transfers, reloadable prepaid cards, and money orders; business banking options encompassing commercial checking, business lines of credit, treasury management, and loans; and lending products focused on commercial real estate mortgages, multifamily properties, mixed-use developments, owner-occupied facilities, and community development financing for affordable housing and economic initiatives. Founded in 1948 and headquartered at 75 West 125th Street in Harlem, New York, the bank operates branches in Manhattan, Brooklyn, and Queens, generating revenue through interest income on loans and investments, service fees, and non-interest activities while maintaining total assets of approximately $700 million and deposits of $600 million. In recent developments, Carver faces an Office of the Comptroller of the Currency (OCC) enforcement order issued in June 2025 citing unsafe and unsound practices in strategic planning and earnings performance, echoing a similar 2016 order, prompting its largest shareholder Dream Chasers Capital Group (9.7% stake) in September 2025 to solicit acquisition bids or mergers highlighting the bank's assets, CDFI status, and partnerships with JP Morgan and Morgan Stanley while proposing digital transformation, crypto services, board reconfiguration with term limits, and performance-based compensation; additionally, in November 2025, the company announces a board modernization initiative to align governance with leading peers and strengthen fiduciary oversight.

Company News

APIChatGPT
  • Carver Bancorp, Inc. Stockholders Elect Keith Mestrich and Donald Felix to Board of Directors at Annual Meeting

  • Carver Bancorp, Inc. Announces Slate of Highly Qualified Director Candidates for 2026 Annual Meeting

  • Carver Bancorp (NASDAQ:CARV) Shares Pass Below 200 Day Moving Average – Here’s What Happened

  • Carver Bancorp (NASDAQ:CARV) Share Price Passes Below 200-Day Moving Average – What’s Next?

  • Carver Bancorp, Inc. Appoints Lisa Robinson Smith as Chief Financial Officer

  • Carver Bancorp, Inc. Announces Agreement with Holders of Trust Preferred Securities to Cancel Interest in Exchange for Shares of Common Stock

  • Dream Chasers Reveals Shocking Details of Secret Carver Board Dilution Deal Code-Named “Project George”

  • Dream Chasers Responds to Carver Attempt to Block Bank Turnaround Expert Moishe Gubin

  • Carver Bancorp, Inc. Provides Update on Engagement With Dream Chasers Capital Group

  • Carver Bancorp, Inc. Announces Date of Annual Meeting of Stockholders

  • Carver Bancorp (NASDAQ:CARV) Stock Crosses Below 200-Day Moving Average – Time to Sell?

  • Critical Comparison: Sturgis Bancorp (OTCMKTS:STBI) & Carver Bancorp (NASDAQ:CARV)

  • Carver Bancorp, Inc. Commences Trading on OTC Markets

  • Carver Bancorp, Inc. Announces Intention to List on OTCQX, Voluntarily Delist from Nasdaq and Deregister from SEC

  • Carver Bancorp, Inc. Announces Board Modernization Initiative with Comprehensive Governance Enhancements

  • Dream Chasers Encourages Carver Bancorp and All Shareholders to Help Support Victims of Hurricane Melissa

  • Carver Bancorp, Inc. Strengthens Leadership Team with Appointment of Jason Sisack, Former OCC Executive, as Senior Enterprise Risk Management Advisor to the CEO

  • Carver Bancorp, Inc. (NASDAQ:CARV) Short Interest Update

  • Zacks Initiates Coverage of Carver Bancorp With Neutral Recommendation

  • Dream Chasers Invites Bidders for a Carver Bancorp Transaction