Carver Bancorp
CARV · NASDAQ
Key indicators
CARV profitability and balance sheet ratios
Book value per share $5.09 in Q2 FY26, down 34.3% on a year earlier.
| Period | Book value per share |
|---|---|
| Q3 FY24 | $6.66 |
| Q4 FY24 | $11.59 |
| Q1 FY25 | $7.75 |
| Q2 FY25 | $7.76 |
| Q3 FY25 | $6.22 |
| Q4 FY25 | $5.62 |
| Q1 FY26 | $5.40 |
| Q2 FY26 | $5.09 |
Where the money went
Q2 FY26, from revenue to net income
Carver Bancorp brought in $9.8M of revenue in Q2 FY26, −5.7% on a year earlier. It made a net loss of $2.4M.
- Revenue
- $9.8M
- Costs, expenses and taxes
- $12.2M
- Net income
- −$2.4M
- Net margin
- -24.8%
Income statement
Revenue and profit by reporting period
| Line item | Q4 FY25 | Q1 FY26 | Q2 FY26 |
|---|---|---|---|
| Revenue | $9.2M | $10.5M | $9.8M |
| Gross profit | $5.5M | $6.9M | $6.4M |
| Operating income | −$3.8M | −$1.2M | −$2.4M |
| Net income | −$3.8M | −$1.2M | −$2.4M |
| Diluted EPS | -$0.72 | -$0.22 | -$0.46 |
Balance sheet
What the company owns and owes at period end
| Line item | Mar 2025 | Jun 2025 | Sep 2025 |
|---|---|---|---|
| Total assets | $730.0M | $713.6M | $697.9M |
| Total liabilities | $700.4M | $685.1M | $671.0M |
| Shareholder equity | $29.6M | $28.5M | $26.9M |
| Total debt | $0.0M | $0.0M | $0.0M |
Cash flow
Cash in and out from operations, investing and financing
| Line item | Q4 FY25 | Q1 FY26 | Q2 FY26 |
|---|---|---|---|
| Operating cash flow | −$6.2M | −$0.2M | −$1.6M |
| Investing cash flow | −$0.3M | $9.0M | $12.2M |
| Financing cash flow | $6.9M | −$15.2M | −$13.7M |
| Capital expenditure | −$0.0M | −$0.2M | −$0.1M |
| Free cash flow | −$6.2M | −$0.4M | −$1.7M |
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