Carver Bancorp, Inc. (CARV) Stock Price & Analysis
Carver Bancorp, Inc. (CARV) closed at USD 1.85 on Friday, October 23, 2026, up 3.35% on the day. The US market is currently closed; this is not a live price.
The prior close was USD 1.79; the Oct 23, 2026 session ranged USD 1.81–1.85 on volume of 1,242 shares. Market capitalization is $10.79M, with a 52-week range of USD 1.07–3.85 (OQB). Source: Nexqual, retrieved October 24, 2026 at 15:48 UTC.
Also available as compact Markdown for AI agents: nexqual.com/CARV.md
Key facts (CARV)
- Last four reported quarters (through Sep 30, 2025): revenue $22.7M, net income -$13.0M (-57.3% margin) (SEC filings).
- Analysts: None.
- Total return with dividends: 1Y -31.7% vs S&P 500 +13.4%; 5Y -87.5% vs S&P 500 +76.9%.
Financials (SEC 10-K; TTM = last four 10-Q/10-K quarters) (CARV)
| USD | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | TTM |
|---|---|---|---|---|---|---|
| Revenue | $22.1M | $27.8M | $26.4M | $29.3M | $22.2M | $22.7M |
| Net income | -$3.9M | -$847K | -$4.4M | -$3.0M | -$13.7M | -$13.0M |
| EPS (diluted) | -$1.14 | -$0.24 | -$1.03 | -$0.61 | -$2.65 | — |
| Free cash flow | $2.0M | $7.0M | -$10.7M | -$6.9M | -$12.9M | -$9.4M |
| Net margin | -17.6% | -3.0% | -16.7% | -10.2% | -61.8% | -57.3% |
| Revenue growth | +11.9% | +26.0% | -5.2% | +11.0% | -24.1% | — |
| Cash + short-term investments | $75.6M | $61.0M | $42.6M | $59.0M | $50.3M | — |
| Total debt | — | $15.9M | $40.9M | $46.4M | $20.2M | — |
Fiscal years end Mar. EPS is split-adjusted.
Valuation (price ÷ last four quarters, through Sep 30, 2025) (CARV)
P/S 0.5x · P/B 0.4x · FCF yield -87.17% · Earnings yield -120.77%
Analysts (CARV)
Consensus None.
Total return (dividends reinvested) (CARV)
| 1Y (from 2025-10-24) | 5Y (from 2021-10-25) | |
|---|---|---|
| Total return | -31.7% | -87.5% |
| S&P 500 (SPY) | +13.4% | +76.9% |
| Per year | -31.8% | -34.0% |
| Volatility (annualized) | 103.9% | 83.2% |
| Max drawdown | -67.9% (Nov 2025→Dec 2025) | -92.1% (Nov 2021→Dec 2025) |
CARV suppliers, customers and competitors (named in its 10-K)
| Relationship | Company | Sentence in the filing |
|---|---|---|
| Partner | Upstart Holdings, Inc. (UPST) | “During fiscal year 2025, the Bank generated $15.4 million of consumer loans, purchased primarily through its strategic partnerships that included $7.2 million through Upstart Holdings, Inc. based on the Bank's credit criteria, $6.2 million in select Bankers Healthcare Group, LLC purchases that had a LMI focus, and approximately $2.0 million in a targeted auto loan pool from Valley National Bank for scaled entry in…” |
Quoted from the company's 10-K filed Jun 24, 2025.
CARV analyst estimates and revisions
| Period | EPS estimate | 90 days ago | Change | Revenue estimate | Analysts |
|---|---|---|---|---|---|
| Current quarter (ends Mar 2011) | — | — | — | $0 | — |
| Next quarter | — | — | — | $0 | — |
| Current fiscal year (ends Mar 2011) | — | — | — | $0 | — |
| Next fiscal year | — | — | — | $0 | — |
Key Statistics (as of October 24, 2026 at 15:48 UTC)
| Price | USD 1.85 |
|---|---|
| Change | ▲ 3.35% (up) |
| Previous Close | USD 1.79 |
| Open | USD 1.81 |
| Day Range | USD 1.81 – 1.85 |
| 52-Week Range | USD 1.07 – 3.85 |
| Volume | 1,242 shares |
| Market Cap | $10.79M |
| Exchange | OQB |
Technical Analysis (CARV)
Nexqual's technical model rates CARV "BUY" based on 5 bullish and 1 bearish signals across 127 daily candles, as of October 24, 2026 at 15:48 UTC.
| Overall Signal | BUY |
|---|---|
| RSI (14) | 56.26 (neutral) |
| vs SMA50 | Above (USD 1.74) |
| MACD | 0.02 (positive) |
Analyst Ratings (CARV)
Wall Street analysts rate CARV "None", per Nexqual as of October 24, 2026 at 15:48 UTC.
| Consensus Rating | None |
|---|
Earnings (CARV)
Source: Nexqual, October 24, 2026 at 15:48 UTC.
Financials & Fundamentals (CARV)
| Total Revenue | $27.22M |
|---|---|
| Revenue Growth (latest quarter, YoY) | +35.30% |
| Gross Margin | +0.00% |
| Operating Margin | -19.64% |
| Profit Margin | -25.15% |
| ROE | -25.23% |
| Total Cash | $46.26M |
| Total Debt | $51.75M |
Source: Nexqual, October 24, 2026 at 15:48 UTC.
Financial Health Score (CARV)
Nexqual rates Carver Bancorp, Inc.'s overall financial health "Mixed" across five dimensions, as of October 24, 2026 at 15:48 UTC.
| Growth | Strong — Revenue +35% YoY (latest Q) |
|---|---|
| Profitability | Critical — Net margin -25% (last 12 months); banks have no gross margin |
| Balance Sheet | N/A — Not comparable for banks: deposits and customer funds sit on the balance sheet, so cash vs debt does not measure safety (SEC industry: Savings Institution, Federally Chartered) |
| Cash Flow | N/A — Not meaningful for banks and lenders: lending and trading move operating cash flow by billions each year (SEC industry: Savings Institution, Federally Chartered) |
| Efficiency | Critical — ROE -25%, ROA -1.0% |
Ownership (CARV)
| Insider Ownership | +27.84% |
|---|---|
| Institutional Ownership | +0.03% |
| Shares Outstanding | 5.83M |
| Float | 4.07M |
| Short % of Float | +0.38% |
Source: Nexqual, October 24, 2026 at 15:48 UTC.
Leadership (CARV)
Carver Bancorp, Inc. is led by Donald Felix, President, CEO & Director, per Nexqual as of October 24, 2026 at 15:48 UTC.
| President, CEO & Director | Donald Felix |
|---|---|
| Chief Financial Officer | Lisa Robinson Smith |
From Carver Bancorp, Inc.'s Latest SEC 10-K Filing (filed 2025-06-24)
Partnerships
- On May 14, 2025, the Bank entered into a formal written agreement with the OCC.
- The Company has fully and unconditionally guaranteed the Capital Securities along with all obligations of the Trust under the trust agreement relating to the Capital Securities.
Legal & Regulatory Risks (Item 1A, quoted)
- Failure to comply with the Formal Agreement could adversely affect our business.
- Any regulatory examination scrutiny or new regulatory requirements arising from the recent events in the banking industry could increase the Company's expenses and affect the Company's operations.
- The Company anticipates increased regulatory scrutiny, in the course of routine examinations and otherwise, and new regulations directed towards banks, all of which may increase the Company's costs of doing business and reduce its profitability.
Source: SEC EDGAR 10-K, official filing. Curated by Nexqual.
Peers & Related Stocks
| Symbol | Name | Price | Change |
|---|---|---|---|
| BBD | Banco Bradesco Sa | USD 4.07 | ▲ 3.04% |
| FITB | Fifth Third Bancorp | USD 52.98 | ▼ 0.47% |
| DB | Deutsche Bank AG | USD 31.2 | ▼ 0.89% |
| TFC | Truist Financial Corporation | USD 48.44 | ▲ 0.04% |
| NWG | NatWest Group plc | USD 16.8 | ▼ 1.12% |
| NU | Nu Holdings Ltd. | USD 15.16 | ▲ 2.92% |
Data source: Nexqual — market data, technical indicators, analyst consensus, earnings, SEC EDGAR filings. Last updated: October 24, 2026 at 15:48 UTC. This page is informational and not investment advice.
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