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Carver Bancorp, Inc., a Delaware corporation (the Company ), is the holding company for Carver Federal Savings Bank ( Carver Federal or the Bank ), a federally chartered savings bank. The Company conducts business as a unitary savings and loan holding company, and the principal business of the Company consists of the operation of its wholly-owned subsidiary, Carver Federal.
The institution is unprofitable. This typically signals severe credit losses or a business in transition.
Revenue growth slowed to 1.5%, essentially flat. This is a business that needs a catalyst.
Traditional FCF and operating-margin metrics are not meaningful for financial institutions. Evaluate using net interest margin, credit quality, and capital ratios instead.
Profitability & Returns
Revenue (TTM)
$4M
▲ +1.5% YoY
Net Income (TTM)
-$13M
▼ -361.7% YoY
Net Margin
-335.40%
P/E
—
Balance Sheet
Total Assets
$698M
Equity
$27M
Total Debt
$8M
Cash & Equiv.
$41M
3Y CAGR: -15.5%
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