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CARVER BANCORP, INC. — Key Metrics

2 years of history · ending 2025-03-31 · SEC EDGAR

Income StatementCash FlowBalance SheetKey Metrics

Per Share Metrics

Expense Ratios

Working Capital Analysis

Valuation Multiples

Enterprise Value Multiples

52-Week Range

Trailing Returns

ROIC vs WACC

Yields

Capital Deployment Yields

Liquidity & Leverage Ratios

Earnings Quality (OCF/NI · FCF/NI · Sloan Accruals)

EPS (Diluted)
$-3
Book Value Per Share
$6
Free Cash Flow Per Share
$-2
Cash Per Share
$10
Revenue Per Share
$1
OCF Per Share
$-2
Return on Equity
-38.2%
Return on Assets
-1.8%
Return on Invested Capital
—
Debt to Equity
0.68
Asset Turnover
0.00
SBC / Revenue
2.2%
Capex / Revenue
11.0%
Invested Capital
$50M
OCF / Net Income
0.92
FCF / Net Income
0.94
Accruals Ratio (Sloan)
-0.2%
Net Debt
$-30M
Net Debt / EBITDA
-37.02
Interest Coverage
—
Cash Coverage
-0.57
Dividend Coverage
—
Capex Coverage
-38.09
Tangible Common Equity
$30M
TCE / Total Assets
4.1%
NOPAT
—
Cash ROIC
-18.7%
Capex / D&A
0.41
Reinvestment Rate
—
Total Payout Ratio
—
Asset Growth vs Revenue Growth
-5.1%
Revenue 5Y CAGR
-32.6%
EPS 5Y CAGR
—
FCF 5Y CAGR
—
EBITDA 5Y CAGR
-3.4%
Book Value 5Y CAGR
-9.6%
Stock Price (FY-end)
$1
Market Cap
$7M
P/E Ratio
—
P/S Ratio
2.43
P/B Ratio
0.25
P/TB Ratio
0.25
P/OCF Ratio
—
P/FCF Ratio
—
Enterprise Value
$-23M
EV / EBITDA
-28.03
EV / Sales
-7.59
EV / FCF
—
FCF Yield
-177.0%
Shareholder Yield
-0.9%
Buyback Yield
—
Capex Yield
4.5%
Dividend Per Share
—
DPS YoY Growth
—
Graham Number
—
Shares Variation (YoY)
7.0%
Beta (5Y)
0.77
Cost of Equity
8.4%
Cost of Debt (after tax)
19.5%
WACC
17.9%
52W High
$2
52W Low
$1
Trailing Return 1Y
-11.3%
Trailing Return 5Y
-26.2%

Earnings Forecasts

Per-quarter consensus estimates + actuals + beat/miss surprise. Sourced from Finnhub (Wall Street consensus aggregation).

Source caveat: Finnhub free tier returns the consensus mean only — analyst high / low / dispersion + analyst counts require a paid plan. A "$5.00 consensus" line above could mean "20 analysts at exactly $5" (high conviction) or "10 at $5.50, 10 at $4.50" (split). Treat single-line consensus accordingly.

Stock Price on Earnings Dates

CARVER BANCORP, INC. — Effective Tax Rate ReconciliationNEW

Bridges from the federal statutory rate (21% post-TCJA) to the effective tax rate via the issuer's tax-note reconciliation lines. Sourced from EffectiveIncomeTaxRateReconciliation* flat CompanyFacts concepts. Conditional lines (R&D credits, FDII, SBC, valuation allowance, etc.) only render when the issuer discloses them. Persistent divergence between accrual tax expense and cash taxes paid is a leading signal for deferred-tax buildup.

Effective Rate Trend

Reconciliation LineFY2020FY2021FY2022FY2023FY2024FY2025
Federal Statutory Rate21.00%21.00%21.00%21.00%21.00%21.00%
State & Local Income Taxes13.20%12.00%0.00%0.00%——
Foreign Rate Differential——————
Other Adjustments———0.00%-0.20%0.00%
Valuation Allowance Change-30.60%-33.50%-20.70%-21.70%-23.90%-21.20%
Tax Law Change-3.40%0.60%0.00%0.00%——
Effective Tax Rate0.00%0.00%0.00%0.00%0.00%0.00%

Cash vs Accrual

ItemFY2020FY2021FY2022FY2023FY2024FY2025
Income Tax Expense (Accrual)——————
Income Taxes Paid (Cash)——————