---
title: "Carver Bancorp, Inc. (CARV.US)"
type: "quote"
locale: "en"
url: "https://longbridge.com/en/quote/CARV.US.md"
symbol: "CARV.US"
name: "Carver Bancorp, Inc."
industry: "Regional Banks"
---

# Carver Bancorp, Inc. (CARV.US)

| Item | Detail |
|------|--------|
| Industry | Regional Banks |
| Location | US Market |
| Website | [www.carverbank.com](https://www.carverbank.com) |

## Company Profile

Carver Bancorp, Inc. operates as the holding company for Carver Federal Savings Bank that provides consumer and commercial banking services for consumers, businesses, non-profit organizations, and governmental and quasi-governmental agencies primarily in New York. It accepts various deposit products...

## Financial Score

> *Longbridge Financial Score™ — Proprietary multi-factor rating model by [Longbridge](https://longbridge.com). This score is independently calculated by Longbridge and is not affiliated with any third-party rating agency.*
> Updated: 2026-02-20T04:30:12.000Z

**Overall: D (0.72)**

**Industry**: Regional Banks

| Metric | Value |
|--------|-------|
| Industry Ranking | 319 / 324 |
| Industry Median | C |
| Industry Average | C |

- **Style**: Value - Stocks where the company's main business is in a mature stage.
- **Scale**: Small - The company's operation has a high degree of growth and volatility, making it easy to achieve high investment returns.

### Score Analysis

**Style Score**: 

#### Growth Score: 

| Indicator | Value | Rating |
|-----------|-------|--------|
| Revenue YoY | -21.23% |  |
| Net Profit YoY | -203.31% |  |

#### Value Score: 

| Indicator | Value | Rating |
|-----------|-------|--------|
| P/B Ratio | 1.31 |  |
| Dividend Ratio | 0.00% |  |


**Size Score**: 

#### Market Cap Score: 

| Indicator | Value | Rating |
|-----------|-------|--------|
| Market Cap | 6.79M |  |

#### Revenue Score: 

| Indicator | Value | Rating |
|-----------|-------|--------|
| Revenue | 22.31M |  |


**Multi Score**: D

#### Profit Score: E

| Indicator | Value | Rating |
|-----------|-------|--------|
| ROE | -111.67% | E |
| Profit Margin | -58.39% | E |
| Gross Margin | 0.00% | E |

#### Growth Score: E

| Indicator | Value | Rating |
|-----------|-------|--------|
| Revenue YoY | -21.23% | E |
| Net Profit YoY | -203.31% | E |
| Total Assets YoY | -6.79% | D |
| Net Assets YoY | -32.46% | E |

#### Cash Score: E

| Indicator | Value | Rating |
|-----------|-------|--------|
| Cash Flow Margin | -171.26% | D |
| OCF YoY | -21.23% | E |

#### Operating Score: E

| Indicator | Value | Rating |
|-----------|-------|--------|
| Turnover | 0.00 | E |

#### Debt Score: A

| Indicator | Value | Rating |
|-----------|-------|--------|
| Gearing Ratio | 0.00% | A |


```chart-data:radar
{
  "title": "Longbridge Financial Score - Carver Bancorp, Inc.",
  "chart_type": "radar",
  "dimensions": [
    {
      "name": "Profit",
      "grade": "E",
      "indicators": [
        {
          "name": "ROE",
          "value": "-111.67%",
          "rating": "E"
        },
        {
          "name": "Profit Margin",
          "value": "-58.39%",
          "rating": "E"
        },
        {
          "name": "Gross Margin",
          "value": "0.00%",
          "rating": "E"
        }
      ]
    },
    {
      "name": "Growth",
      "grade": "E",
      "indicators": [
        {
          "name": "Revenue YoY",
          "value": "-21.23%",
          "rating": "E"
        },
        {
          "name": "Net Profit YoY",
          "value": "-203.31%",
          "rating": "E"
        },
        {
          "name": "Total Assets YoY",
          "value": "-6.79%",
          "rating": "D"
        },
        {
          "name": "Net Assets YoY",
          "value": "-32.46%",
          "rating": "E"
        }
      ]
    },
    {
      "name": "Cash",
      "grade": "E",
      "indicators": [
        {
          "name": "Cash Flow Margin",
          "value": "-171.26%",
          "rating": "D"
        },
        {
          "name": "OCF YoY",
          "value": "-21.23%",
          "rating": "E"
        }
      ]
    },
    {
      "name": "Operating",
      "grade": "E",
      "indicators": [
        {
          "name": "Turnover",
          "value": "0.00",
          "rating": "E"
        }
      ]
    },
    {
      "name": "Security",
      "grade": "A",
      "indicators": [
        {
          "name": "Gearing Ratio",
          "value": "0.00%",
          "rating": "A"
        }
      ]
    }
  ]
}
```

### Peer Comparison

| Rank | Name | Profit | Growth | Operation | Security | Cash | Rating |
|------|------|--------|--------|-----------|----------|------|--------|
| 01 | Truist Financial (US.TFC) | C | B | E | A | B | B |
| 02 | Pinnacle Financial (US.PNFP) | B | B | E | A | B | B |
| 03 | SouthState Bank (US.SSB) | B | A | E | A | B | B |
| 04 | Old Natl Bancorp (US.ONB) | C | A | E | A | B | B |
| 05 | UMB Financial (US.UMBF) | B | A | E | A | B | B |

## Valuation Analysis

| Metric | Current | Industry Ranking | High | Median | Low |
|--------|---------|-----------------|------|--------|-----|
| PE (TTM) | -0.52 | 280/312 | - | - | - |
| PB | 1.31 | 211/312 | 1.82 | 1.26 | 0.72 |
| PS (TTM) | 0.30 | 1/312 | 0.55 | 0.38 | 0.30 |
| Dividend Yield | 0.00% | - | - | - | - |

## References

- [Company Overview](https://longbridge.com/en/quote/CARV.US/overview.md) - Shareholders, executives, business segments
- [Financials](https://longbridge.com/en/quote/CARV.US/norm.md) - Income statement, balance sheet, cash flow, distribution plan
- [Topics & Discussions](https://longbridge.com/en/quote/CARV.US/topics.md) - Community topics and discussions

---

> **Disclaimer**: This article is for reference only and does not constitute any investment advice.