CARVOTCSavings Institution, Federally CharteredFiscal year ends March 31
CARVER BANCORP INC
Financials through Q2 FY2026, quarter ended Sep 30, 2025Last filing: 10-Q on Nov 13, 2025
$1.75+0.00 (0.00%)
Close on Oct 19, 2026
- Market cap
- $9.25M
- P/E (TTM)
- –
- Dividend yield
- –
Margins
Share of revenue, fiscal years 2011 to 2025
Operating margin
–
Net margin
-457.7%−430.2 pts over 5 years
Growth rates
Compound annual growth to fiscal 2025
| Per year | 1 year | 3 years | 5 years | 10 years | Five-year pace |
|---|---|---|---|---|---|
| Revenue | +1.5% | -15.5% | -31.4% | – |
Returns and balance sheet
10 fiscal years. Hover a measure to see how it is calculated.
| Measure | FY2016 | FY2020 | FY2025 | Trend |
|---|---|---|---|---|
| Return on equity | -5.4% | -11.3% | -38.2% | |
| Return on assets | -0.4% | -0.9% | -1.8% | |
| Capex to revenue | – | 6.5% | 11.0% | |
| Diluted shares | 4M | 4M | 5M |
Where the cash went
Fiscal 2021 to 2025, five years combined
Carver Bancorp generated $39.06M from operations and spent $3.86M on capital expenditure, dividends and share buybacks. 35% of that went back into the business.
Generated
$39.06M
Used
$3.86M
Capital expenditure$1.36M35%Dividends$00%Share buybacks$2.50M65%
DuPont analysis
Return on equity split into margin, efficiency and leverage
Net margin-457.7%
×Asset turnover0.00×
×Equity multiplier20.68×
=Return on equity, FY2025-38.2%
| Fiscal year | Net margin | Asset turnover | Equity multiplier | Return on equity |
|---|---|---|---|---|
| FY2025 | -457.7% | 0.00× | 20.68× | -38.2% |
| FY2024 | -100.6% | 0.00× | 16.91× | -6.8% |
| FY2023 | -151.8% | 0.00× | 14.54× | -8.8% |
| FY2022 | -17.0% | 0.01× | 13.15× | -1.6% |
| FY2021 | -92.7% | 0.01× | 12.41× | -7.7% |
| FY2020 | -27.5% | 0.03× | 11.90× | -11.3% |
| FY2019 | -27.3% | 0.03× | 12.69× | -12.0% |
| FY2017 | -11.0% | 0.04× | 14.37× | -5.7% |
Piotroski F-Score
Nine tests of profitability, balance sheet and efficiency, fiscal 2025 against fiscal 2024
1of 6 tests passed in fiscal 2025. Some tests lack the figures they need.
- ProfitableNet income above zero-$13.74M
- Cash generatingOperating cash flow above zero-$12.61M
- Return on assets improvedROA up on the prior year-0.4% → -1.8%
- Earnings backed by cashOperating cash flow above net income-$12.61M vs -$13.74M
- Less leverageLong-term debt to assets fell– → –
- Better liquidityCurrent ratio rose– → –
- No dilutionShare count did not rise5M → 5M
- Gross margin improvedGross margin up on the prior year– → –
- More efficientAsset turnover rose0.00 → 0.00