📊 CARV Key Takeaways
Investment Thesis
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.
CARV 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
CARV 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
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
CARV Financial Metrics
💡 AI Analyst Insight
The current ratio below 1.0x warrants monitoring of short-term liquidity.
CARV Profitability Ratios
CARV vs Default Sector
How CARVER BANCORP INC compares to Default sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
CARV Balance Sheet & Liquidity
CARV 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 Growth Metrics (YoY)
CARV Quarterly 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.
CARV Capital Allocation
CARV SEC Filings
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 an AI rating of STRONG SELL with 92% confidence, based on fundamental analysis of SEC EDGAR filings.
What are CARV's 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.
What are the risks of investing in CARV?
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.
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?
Our AI (Claude) analyzes publicly available SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports to evaluate financial health, profitability ratios, balance sheet strength, and growth metrics.