Carver Bancorp, Inc. (CARV) Key Metrics
CARV valuation today
Trailing 12 months · as of October 21, 2026- Market cap
- $10.5M
- Enterprise value
- $37.7M
- P/E (TTM)
- —
- Forward P/E
- —
- PEG ratio
- —
- Price / sales
- 0.4 10-yr median 0.4
- Price / book
- 6.0 10-yr median 0.3
- EV / EBITDA
- —
- Dividend yield
- —
- Beta
- 1.42
CARV key metrics, FY2017–FY2026
Fiscal year ended March 31, 2026 · U.S. dollarsCARV valuation Price multiples at each fiscal year-end price.
Price / sales+0.1%
0.2
FY2026 · hover or tap a bar for each year
FY2017FY2026
Price / book+30.5%
0.3
FY2026 · hover or tap a bar for each year
FY2017FY2026
Free cash flow yield+159.3 pts
−17.8%
FY2026 · hover or tap a bar for each year
FY2017FY2026
CARV returns How much profit the business earns on the capital it uses.
Return on equity+13.0 pts
−25.2%
FY2026 · hover or tap a bar for each year
FY2017FY2026
Return on assets+0.9 pts
−1.0%
FY2026 · hover or tap a bar for each year
FY2017FY2026
Free cash flow margin+31.1 pts
−3.5%
FY2026 · hover or tap a bar for each year
FY2017FY2026
Asset turnover+15.4%
0.06
FY2026 · hover or tap a bar for each year
FY2017FY2026
CARV per-share figures Results divided by the shares outstanding at year-end.
Revenue per share+6.3%
$7.66
FY2026 · hover or tap a bar for each year
FY2017FY2026
Earnings per share
−$1.29
FY2026 · hover or tap a bar for each year
FY2017FY2026
Free cash flow per share
−$0.27
FY2026 · hover or tap a bar for each year
FY2017FY2026
Book value per share−18.5%
$4.65
FY2026 · hover or tap a bar for each year
FY2017FY2026
Shares outstanding+2.4%
5.3M
FY2026 · hover or tap a bar for each year
FY2017FY2026
CARV financial health Debt, liquidity and how easily interest is covered.
Debt / equity+113.0%
2.10
FY2026 · hover or tap a bar for each year
FY2017FY2026
Net debt+$70.9M
$6.0M
FY2026 · hover or tap a bar for each year
FY2017FY2026
Current ratio+3,534.8%
5.33
FY2026 · hover or tap a bar for each year
FY2017FY2026
Interest coverage
-0.5
FY2026 · hover or tap a bar for each year
FY2017FY2026
Debt / assets+93.4%
0.08
FY2026 · hover or tap a bar for each year
FY2017FY2026
CARV efficiency & capital use Working capital cycle and where the cash goes.
Days sales outstanding−5 days
28 days
FY2026 · hover or tap a bar for each year
FY2017FY2026
Capex / revenue0.0 pts
0.9%
FY2026 · hover or tap a bar for each year
FY2017FY2026
CARV valuation history
Fiscal year-endToday10-year median
CARV returns on capital
ROEROICROA
Net income (ROE, ROA) or after-tax operating income (ROIC) divided by the average of the opening and closing balance.
CARV debt vs cash
Total debtCash & short-term investments
Debt includes short- and long-term borrowings and, where reported, lease liabilities.
CARV cash returned to shareholders
DividendsBuybacksFree cash flow
CARV price vs earnings per share
Share price at year-endEPS (right axis)
CARV key metrics
FY2017–FY2026| FY2026 | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Valuation | ||||||||||
| Market capitalization | $8.0M | $7.3M | $7.4M | $17.1M | $25.1M | $31.0M | $7.0M | $13.8M | $10.4M | $13.5M |
| Enterprise value | $14.0M | −$57.6M | −$42.5M | −$15.1M | −$73.1M | −$77.9M | −$74.7M | −$75.9M | −$146.4M | −$11.6M |
| P/E ratio | — | — | — | — | — | — | — | — | 1.9 | — |
| Price / sales | 0.2 | 0.2 | 0.2 | 0.5 | 0.8 | 1.2 | 0.3 | 0.5 | 0.4 | 0.5 |
| Price / book | 0.3 | 0.2 | 0.2 | 0.4 | 0.5 | 0.6 | 0.1 | 0.3 | 0.2 | 0.3 |
| Price / free cash flow | — | — | — | — | 3.6 | 15.9 | — | — | — | 23.9 |
| Price / operating cash flow | — | — | — | — | 3.5 | 14.0 | — | — | — | 16.4 |
| EV / sales | 0.3 | -1.5 | -1.0 | -0.5 | -2.4 | -2.9 | -2.9 | -2.8 | -5.0 | -0.5 |
| Earnings yield | −86.0% | −188.1% | −40.2% | −25.8% | −3.4% | −12.6% | −77.6% | −43.0% | 51.3% | −21.1% |
| Free cash flow yield | −17.8% | −177.1% | −93.5% | −62.9% | 27.7% | 6.3% | −18.8% | −84.4% | −63.1% | 4.2% |
| Dividend yield | — | — | — | — | — | 76.4% | — | — | 0.0% | 0.0% |
| Shareholder yield (dividends + buybacks) | — | — | — | — | 0.0% | 84.5% | 0.0% | — | 0.0% | 0.0% |
| Share price at fiscal year-end | $1.50 | $1.41 | $1.53 | $3.99 | $7.00 | $9.08 | $1.89 | $3.73 | $2.82 | $3.66 |
| Per share | ||||||||||
| Revenue per share | $7.66 | $7.21 | $8.41 | $7.32 | $8.42 | $7.76 | $6.86 | $7.37 | $7.86 | $6.97 |
| Earnings per share | −$1.29 | −$2.65 | −$0.61 | −$1.03 | −$0.24 | −$1.14 | −$1.47 | −$1.60 | $1.45 | −$0.77 |
| Operating cash flow per share | −$0.20 | −$2.43 | −$1.36 | −$2.46 | $1.99 | $0.65 | −$0.01 | −$2.37 | −$1.35 | $0.22 |
| Free cash flow per share | −$0.27 | −$2.50 | −$1.43 | −$2.51 | $1.94 | $0.57 | −$0.36 | −$3.15 | −$1.78 | $0.15 |
| Cash per share | $8.62 | $18.14 | $22.09 | $22.53 | $35.84 | $47.47 | $30.65 | $30.03 | $52.76 | $36.14 |
| Book value per share | $4.65 | $5.71 | $8.73 | $10.57 | $15.35 | $15.32 | $13.22 | $12.74 | $14.04 | $12.82 |
| Tangible book value per share | $4.65 | $5.71 | $8.70 | $10.54 | $15.30 | $15.27 | $13.18 | $12.70 | $13.99 | $12.77 |
| Dividends per share | — | — | — | — | — | $6.94 | — | — | $0.00 | $0.00 |
| Capex per share | $0.07 | $0.06 | $0.07 | $0.05 | $0.05 | $0.07 | $0.35 | $0.78 | $0.43 | $0.05 |
| Debt per share | $9.76 | $5.62 | $11.79 | $15.02 | $8.45 | $15.59 | $8.58 | $5.79 | $10.38 | $29.33 |
| Shares outstanding | 5.3M | 5.2M | 4.8M | 4.3M | 3.6M | 3.4M | 3.7M | 3.7M | 3.7M | 3.7M |
| Change in shares outstanding | +2.4% | +7.0% | +13.3% | +19.2% | +5.1% | −7.7% | +0.0% | −0.1% | +0.1% | +0.0% |
| Returns & profitability | ||||||||||
| Return on equity (ROE) | −25.2% | −38.2% | −6.8% | −8.8% | −1.6% | −7.7% | −11.3% | −12.0% | 10.8% | −5.7% |
| Return on invested capital (ROIC) | — | — | — | — | — | — | — | — | — | −18.7% |
| Return on assets (ROA) | −1.0% | −1.8% | −0.4% | −0.6% | −0.1% | −0.6% | −0.9% | −0.9% | 0.8% | −0.4% |
| Return on tangible assets | −1.0% | −1.9% | −0.4% | −0.6% | −0.1% | −0.6% | −0.9% | −1.1% | 0.8% | −0.4% |
| Free cash flow margin | −3.5% | −34.6% | −17.0% | −34.3% | 23.0% | 7.4% | −5.2% | −42.7% | −22.6% | 2.2% |
| Income quality (OCF / net income) | — | — | — | — | — | — | — | — | −0.93 | — |
| Financial health | ||||||||||
| Total debt | $51.8M | $29.1M | $57.2M | $64.3M | $30.3M | $53.2M | $31.7M | $21.4M | $38.4M | $108.4M |
| Cash & short-term investments | $45.8M | $94.0M | $107.1M | $96.4M | $128.6M | $162.1M | $113.4M | $111.1M | $195.3M | $133.6M |
| Net debt | $6.0M | −$64.9M | −$49.9M | −$32.1M | −$98.3M | −$108.9M | −$81.6M | −$89.7M | −$156.9M | −$25.2M |
| Debt / equity | 2.10 | 0.98 | 1.35 | 1.42 | 0.55 | 1.02 | 0.65 | 0.45 | 0.74 | 2.29 |
| Debt / assets | 0.08 | 0.04 | 0.08 | 0.09 | 0.04 | 0.08 | 0.05 | 0.04 | 0.06 | 0.16 |
| Net debt / EBITDA | — | — | — | — | −539.96 | — | — | — | −25.23 | — |
| Current ratio | 5.33 | 0.15 | 0.17 | 0.16 | 0.21 | 0.30 | 0.24 | 200.87 | 0.34 | 0.21 |
| Quick ratio | 5.33 | 0.15 | 0.18 | 0.24 | 0.31 | 0.44 | 0.34 | 260.64 | 0.91 | 0.21 |
| Interest coverage | -0.5 | -0.9 | -0.3 | -0.9 | -0.4 | -0.9 | -1.0 | -1.0 | 1.0 | — |
| Working capital | $39.8M | −$564.9M | −$536.3M | −$502.1M | −$497.1M | −$391.8M | −$373.4M | $112.5M | −$389.6M | −$489.3M |
| Invested capital | $30.7M | −$35.3M | −$7.6M | $13.1M | −$43.2M | −$56.6M | −$32.7M | −$42.5M | −$104.9M | $22.2M |
| Tangible asset value | $24.7M | $29.6M | $42.2M | $45.1M | $54.9M | $52.2M | $48.7M | $47.0M | $51.8M | $47.2M |
| Net current asset value | −$597.6M | −$603.4M | −$603.8M | −$579.7M | −$549.2M | −$459.7M | −$414.5M | −$403.5M | −$444.6M | −$507.7M |
| Graham number | — | — | — | — | — | — | — | — | $21.38 | — |
| Graham net-net per share | −$112.77 | −$116.57 | −$125.41 | −$141.04 | −$162.04 | −$146.27 | −$118.90 | −$113.78 | −$165.47 | −$136.67 |
| Capital allocation | ||||||||||
| Dividends paid | — | — | — | — | — | $23.7M | — | — | $0 | $0 |
| Share buybacks (net) | — | — | — | — | $0 | $2.5M | $0 | — | $0 | $0 |
| Dividend payout ratio | — | — | — | — | — | — | — | — | 0.0% | — |
| Dividends + buybacks / free cash flow | — | — | — | — | 0.0% | — | — | — | — | 0.0% |
| Capex / revenue | 0.9% | 0.9% | 0.9% | 0.7% | 0.6% | 1.0% | 5.1% | 10.6% | 5.5% | 0.7% |
| Capex / operating cash flow | — | — | — | — | 2.7% | 11.6% | — | — | — | 20.4% |
| Capex / depreciation | 0.49 | 0.41 | 0.37 | 0.21 | 0.19 | 0.25 | 1.33 | 3.63 | 1.79 | 0.19 |
| Stock-based compensation / revenue | 0.4% | 0.2% | 0.5% | 0.3% | 0.4% | 0.1% | −0.1% | 0.1% | 0.0% | — |
| SG&A / revenue | 39.5% | 45.5% | 38.7% | 50.0% | 45.4% | 49.2% | 51.4% | 55.2% | 53.4% | 57.2% |
| Efficiency | ||||||||||
| Days sales outstanding | 27.7 | 32.4 | 25.0 | 25.2 | 30.5 | 32.3 | 29.3 | 27.1 | 22.6 | 28.4 |
| Days of inventory on hand | — | — | -831.5 | -4,003.5 | -8,619.4 | -5,407.5 | -2,692.7 | -11,443.3 | -11,239.4 | -6,837.2 |
| Days payables outstanding | — | 101.0 | 75.5 | 71.9 | 495.8 | 354.6 | 42.1 | 29.7 | 19,533.0 | 21,368.3 |
| Cash conversion cycle (days) | — | -68.5 | -882.0 | -4,050.2 | -9,084.6 | -5,729.9 | -2,705.5 | -11,445.9 | -30,749.8 | -28,177.1 |
| Receivables turnover | 13.17 | 11.25 | 14.62 | 14.47 | 11.96 | 11.30 | 12.46 | 13.49 | 16.14 | 12.87 |
| Payables turnover | — | 3.61 | 4.83 | 5.08 | 0.74 | 1.03 | 8.68 | 12.28 | 0.02 | 0.02 |
| Asset turnover | 0.06 | 0.05 | 0.06 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 |
| Average receivables | $3.1M | $3.3M | $2.8M | $2.2M | $2.5M | $2.3M | $2.0M | $2.0M | $1.8M | $2.0M |
| Average payables | — | $4.5M | $2.4M | $987,000 | $4.1M | $4.2M | $651,000 | $478,000 | $289.8M | $289.6M |
| Average inventory | — | — | −$26.3M | −$55.0M | −$70.9M | −$64.0M | −$41.7M | −$184.1M | −$166.7M | −$92.7M |
| Intangibles / total assets | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
Computed from CARV's annual financial statements (latest annual report filed March 31, 2026) and the closing share price on each fiscal year-end, adjusted for stock splits. Figures in U.S. dollars; data from EODHD. Averages use the opening and closing balance of each year.
CARV valuation and financial ratios
Carver Bancorp earned a return on equity of −25.2% in fiscal 2026. It ended the year with $51.8 million of debt and $45.8 million in cash and short-term investments, net debt of $6.0 million. The share count rose 43.5% from 3.7M to 5.3M over 9 years.
See the CARV income statement, the CARV chart for price history, or the CARV stock overview for the latest quote and news.
CARV key metrics FAQ
What is Carver Bancorp's return on equity?
Carver Bancorp's return on equity (ROE) was −25.2% in fiscal 2026: net income of -$6.8 million on average shareholders' equity of $27.1 million.
How much debt does Carver Bancorp have?
Carver Bancorp had total debt of $51.8 million at the end of fiscal 2026, a debt-to-equity ratio of 2.10.
What is Carver Bancorp's free cash flow yield?
Carver Bancorp generated -$1.4 million of free cash flow in fiscal 2026, a free cash flow yield of −17.8% on its market value at year-end ($8.0 million).
What is Carver Bancorp's current ratio?
Carver Bancorp's current ratio was 5.33 at the end of fiscal 2026: current assets were 5.33 times current liabilities.