Company research
CARVER BANCORP INC
CIK 1016178Updated Sep 24, 2026
SecurityCARV · OTC · equity
CARV price & chart
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OTC:CARV on TradingView ↗In the news
Carver Bancorp, Inc. Stockholders Elect Keith Mestrich and Donald Felix to Board of Directors at Annual Meeting ↗
Recent filings
Financials
FY 2025 · USDSource
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balance sheet · annual statements
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|
| ASSETS | ||||
| AssetsUSD | 729,991,000Source | 756,796,000Source | 723,224,000Source | 735,314,000Source |
| Property, Plant and Equipment, NetUSD | 2,010,000Source | 2,567,000Source | 3,174,000Source | 3,775,000Source |
| Current assets: | ||||
| Cash and Cash Equivalents, at Carrying ValueUSD | 50,315,000Source | 59,025,000Source | 42,552,000Source | 61,018,000Source |
| Operating Lease, Right-of-Use AssetUSD | 8,247,000Source | 9,844,000Source | 12,311,000Source | 13,637,000Source |
| LIABILITIES AND EQUITY | ||||
| LiabilitiesUSD | 700,413,000Source | 714,487,000Source | 678,000,000Source | 680,227,000Source |
| Commitments and ContingenciesUSD | 4,383,000Source | 4,918,000Source | 4,090,000Source | 15,374,000Source |
| Stockholders’ equity: | ||||
| Additional Paid in CapitalUSD | 87,920,000Source | 87,660,000Source | 82,805,000Source | 82,165,000Source |
| Retained Earnings (Accumulated Deficit)USD | -65,293,000Source | -51,549,000Source | -47,904,000Source | -43,503,000Source |
| Accumulated Other Comprehensive Income (Loss), Net of TaxUSD | -11,953,000Source | -12,705,000Source | -12,215,000Source | -6,662,000Source |
| Stockholders' Equity Attributable to ParentUSD | 29,578,000Source | 42,309,000Source | 45,224,000Source | 55,087,000Source |
| Liabilities and EquityUSD | 729,991,000Source | 756,796,000Source | 723,224,000Source | 735,314,000Source |
| Additional Financial Items | ||||
| AOCI, Debt Securities, Available-for-sale, Adjustment, after TaxUSD | -11,953,000Source | -12,705,000Source | -12,215,000Source | -6,662,000Source |
| Long-term DebtUSD | 20,217,000Source | 46,430,000Source | 40,903,000Source | 15,906,000Source |
cash flow · annual statements
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|
| Cash flows from operating activities: | ||||
| Adjustments to reconcile net income to net cash provided by operating activities: | ||||
| Share-based Payment Arrangement, Noncash ExpenseUSD | 66,000Source | 220,000Source | 91,000Source | 122,000Source |
| Net Cash Provided by (Used in) Operating ActivitiesUSD | -12,609,000Source | -6,571,000Source | -10,513,000Source | 7,152,000Source |
| Cash flows from investing activities: | ||||
| Net Cash Provided by (Used in) Investing ActivitiesUSD | 15,079,000Source | -20,053,000Source | -15,262,000Source | -79,079,000Source |
| Payments to Acquire Property, Plant, and EquipmentUSD | 331,000Source | 360,000Source | 225,000Source | 192,000Source |
| Cash flows from financing activities: | ||||
| Payments for Repurchase of Common StockUSD | — | — | — | 0Source |
| Net Cash Provided by (Used in) Financing ActivitiesUSD | -11,180,000Source | 43,097,000Source | 7,309,000Source | 57,354,000Source |
| Repayments of Long-term DebtUSD | 28,027,000Source | 0Source | 3,000Source | — |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Period Increase (Decrease), Including Exchange Rate EffectUSD | -8,710,000Source | 16,473,000Source | -18,466,000Source | -14,573,000Source |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash EquivalentsUSD | 50,315,000Source | 59,025,000Source | 42,552,000Source | 61,018,000Source |
| Supplemental disclosure of cash flow information: | ||||
| Interest Paid, Excluding Capitalized Interest, Operating ActivitiesUSD | 15,210,000Source | 10,711,000Source | 4,621,000Source | 5,520,000Source |
| Additional Financial Items | ||||
| Share-based Payment Arrangement, ExpenseUSD | — | — | 2,000Source | 3,000Source |
| Bank Owned Life Insurance IncomeUSD | 179,000Source | 459,000Source | — | — |
| Debt and Equity Securities, Gain (Loss)USD | — | — | — | 0Source |
| DepreciationUSD | 813,000Source | 965,000Source | 1,058,000Source | 1,029,000Source |
| Equipment ExpenseUSD | 2,414,000Source | 2,047,000Source | 2,240,000Source | 1,806,000Source |
| FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversalUSD | 1,191,000Source | 83,000Source | — | — |
| Gain (Loss) on Sale of InvestmentsUSD | — | — | — | 0Source |
| Gain (Loss) on Sales of Loans, NetUSD | -191,000Source | 30,000Source | 107,000Source | — |
| Income Tax Expense (Benefit)USD | 0Source | 0Source | 0Source | 0Source |
| Investment Income, InterestUSD | 1,067,000Source | 1,131,000Source | 929,000Source | 714,000Source |
| Net Income (Loss) Attributable to ParentUSD | -13,744,000Source | -2,977,000Source | -4,401,000Source | -847,000Source |
| Operating ExpensesUSD | 46,000Source | 497,000Source | — | — |
| Operating Lease, ExpenseUSD | 2,797,000Source | 2,774,000Source | 2,860,000Source | 2,871,000Source |
| Proceeds from Issuance of Common StockUSD | 195,000Source | 1,000,000Source | 0Source | 2,998,000Source |
| Proceeds from Issuance of Long-term DebtUSD | 1,814,000Source | 5,527,000Source | 25,000,000Source | — |
| Proceeds from Maturities, Prepayments and Calls of Debt Securities, Available-for-saleUSD | 4,060,000Source | 5,032,000Source | 7,812,000Source | 14,775,000Source |
income statement · annual statements
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|
| Total RevenueUSD | 3,003,000Source | 2,958,000Source | 2,899,000Source | 4,982,000Source |
| Selling, General and Administrative ExpenseUSD | 596,000Source | 481,000Source | 505,000Source | 505,000Source |
| Income Tax Expense (Benefit)USD | 0Source | 0Source | 0Source | 0Source |
| Net Income (Loss) Attributable to ParentUSD | -13,744,000Source | -2,977,000Source | -4,401,000Source | -847,000Source |
| Earnings Per Share, BasicUSD per share | -2.65Source | -0.61Source | -1.03Source | -0.24Source |
| Earnings Per Share, DilutedUSD per share | -2.65Source | -0.61Source | -1.03Source | -0.24Source |
| Weighted Average Number of Shares Outstanding, Basicshares | 5,183,492Source | 4,845,975Source | 4,277,709Source | 3,588,523Source |
| Weighted Average Number of Shares Outstanding, Dilutedshares | 5,183,492Source | 4,845,975Source | 4,277,709Source | 3,588,523Source |
| Additional Financial Items | ||||
| Bank Owned Life Insurance IncomeUSD | 179,000Source | 459,000Source | — | — |
| Debt and Equity Securities, Gain (Loss)USD | — | — | — | 0Source |
| Equipment ExpenseUSD | 2,414,000Source | 2,047,000Source | 2,240,000Source | 1,806,000Source |
| FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversalUSD | 1,191,000Source | 83,000Source | — | — |
| Income (Loss) Attributable to Parent, before TaxUSD | -13,744,000Source | -2,977,000Source | -4,401,000Source | -847,000Source |
| Interest and Other IncomeUSD | 2,654,000Source | 2,654,000Source | 1,079,000Source | 106,000Source |
| Interest ExpenseUSD | — | 11,458,000Source | 4,911,000Source | 2,399,000Source |
| InterestExpenseOperatingUSD | 15,131,000Source | — | — | — |
| Interest Income (Expense), NetUSD | 19,151,000Source | 22,561,000Source | 22,789,000Source | 20,466,000Source |
| Investment Income, InterestUSD | 1,067,000Source | 1,131,000Source | 929,000Source | 714,000Source |
| Operating ExpensesUSD | 46,000Source | 497,000Source | — | — |
| Operating Lease, ExpenseUSD | 2,797,000Source | 2,774,000Source | 2,860,000Source | 2,871,000Source |
| Other Cost and Expense, OperatingUSD | 999,000Source | 1,151,000Source | 933,000Source | 820,000Source |
| Other ExpensesUSD | 3,336,000Source | 2,667,000Source | 2,767,000Source | 2,659,000Source |
| Other IncomeUSD | 3,000Source | 483,000Source | 225,000Source | 307,000Source |