CARVER BANCORP, INC.

EDGAR

Annual consolidated revenue for 2025: about USD 3.003M, using the latest reported figures. The previous period, 2024, was about USD 2.958M.

Watchlist

Latest fiscal year

Revenue

3 million USD

2025 · USD

Exact inputs and evidence

Net margin

-457.68%

2025 · %

Exact inputs and evidence

Operating cash flow

-12.6 million USD

2025 · USD

Exact inputs and evidence
  • Operating Cash Flow: -12609000 USD Source

Free cash flow

-12.9 million USD

2025 · USD

Exact inputs and evidence
  • Operating Cash Flow: -12609000 USD Source
  • Capital Expenditure: 331000 USD Source
Cash and cash equivalents
40.7 million USD Source
Exact value

40747000 USD

Long-term debt including current maturities
20.2 million USD Source
Exact value

20217000 USD

Shares outstanding
5.29 million shares Source
Exact value

5287100 shares

Reported share-count change

2.84% · 146 thousand shares

Year-over-year change in reported shares. Splits, issuance and buybacks can affect this figure; it does not isolate employee compensation or economic dilution.

Exact inputs and evidence
  • 5140872 shares · 2024-09-30· Source
  • 5287100 shares · 2025-09-30· Source

Trailing twelve months

The four most recent complete quarters added together. This gives a full-year view that includes the latest quarterly results.

Net income

-13 million USD

2024-10-01 – 2025-09-30

Exact inputs and evidence
  • Net income: -5648000 USD · 2024-10-01 – 2024-12-31 Source
  • Net income: -13744000 USD · 2024-04-01 – 2025-03-31 Source
  • Net income: -9973000 USD · 2024-04-01 – 2024-12-31 Source
  • Net income: -1177000 USD · 2025-04-01 – 2025-06-30 Source
  • Net income: -2431000 USD · 2025-07-01 – 2025-09-30 Source

Operating cash flow

-9.05 million USD

2024-10-01 – 2025-09-30

Exact inputs and evidence
  • Operating cash flow: -6421000 USD · 2024-04-01 – 2024-12-31 Source
  • Operating cash flow: -5376000 USD · 2024-04-01 – 2024-09-30 Source
  • Operating cash flow: -12609000 USD · 2024-04-01 – 2025-03-31 Source
  • Operating cash flow: -6421000 USD · 2024-04-01 – 2024-12-31 Source
  • Operating cash flow: -230000 USD · 2025-04-01 – 2025-06-30 Source
  • Operating cash flow: -1815000 USD · 2025-04-01 – 2025-09-30 Source
  • Operating cash flow: -230000 USD · 2025-04-01 – 2025-06-30 Source

Capital expenditure

355 thousand USD

2024-10-01 – 2025-09-30

Exact inputs and evidence
  • Capital expenditure: 313000 USD · 2024-04-01 – 2024-12-31 Source
  • Capital expenditure: 260000 USD · 2024-04-01 – 2024-09-30 Source
  • Capital expenditure: 331000 USD · 2024-04-01 – 2025-03-31 Source
  • Capital expenditure: 313000 USD · 2024-04-01 – 2024-12-31 Source
  • Capital expenditure: 168000 USD · 2025-04-01 – 2025-06-30 Source
  • Capital expenditure: 284000 USD · 2025-04-01 – 2025-09-30 Source
  • Capital expenditure: 168000 USD · 2025-04-01 – 2025-06-30 Source

Free cash flow

-9.4 million USD

2024-10-01 – 2025-09-30

Exact inputs and evidence
  • Operating cash flow: -6421000 USD · 2024-04-01 – 2024-12-31 Source
  • Operating cash flow: -5376000 USD · 2024-04-01 – 2024-09-30 Source
  • Operating cash flow: -12609000 USD · 2024-04-01 – 2025-03-31 Source
  • Operating cash flow: -6421000 USD · 2024-04-01 – 2024-12-31 Source
  • Operating cash flow: -230000 USD · 2025-04-01 – 2025-06-30 Source
  • Operating cash flow: -1815000 USD · 2025-04-01 – 2025-09-30 Source
  • Operating cash flow: -230000 USD · 2025-04-01 – 2025-06-30 Source
  • Capital expenditure: 313000 USD · 2024-04-01 – 2024-12-31 Source
  • Capital expenditure: 260000 USD · 2024-04-01 – 2024-09-30 Source
  • Capital expenditure: 331000 USD · 2024-04-01 – 2025-03-31 Source
  • Capital expenditure: 313000 USD · 2024-04-01 – 2024-12-31 Source
  • Capital expenditure: 168000 USD · 2025-04-01 – 2025-06-30 Source
  • Capital expenditure: 284000 USD · 2025-04-01 – 2025-09-30 Source
  • Capital expenditure: 168000 USD · 2025-04-01 – 2025-06-30 Source

Company performance

Up to ten complete financial years · consolidated figures

Includes later revisions to earlier periods. Annual charts exclude incomplete years.

Latest filing recorded: 2025-11-13.

Financial data available through: 2025-03-31.

Coverage by financial measure
  • Revenue: 5 of 11 periods available· newest 2025-03-31
  • Operating income: 2 of 11 periods available· newest 2016-03-31
  • Net income: 11 of 11 periods available· newest 2025-03-31
  • Operating cash flow: 11 of 11 periods available· newest 2025-03-31
  • Capital expenditure: 11 of 11 periods available· newest 2025-03-31
  • Total assets: 5 of 11 periods available· newest 2025-03-31
  • Total liabilities: 5 of 11 periods available· newest 2025-03-31
  • current assets: No compatible figures in this window
  • current liabilities: No compatible figures in this window
  • Cash and cash equivalents: 5 of 11 periods available· newest 2025-03-31
  • Long-term debt including current maturities: 4 of 11 periods available· newest 2025-03-31
  • Shares outstanding: 5 of 11 periods available· newest 2025-03-31

Coverage describes values retained in this snapshot. Missing values are not zero; loading limits are reported separately.

What changed year over year

Latest complete year compared with the corresponding period one year earlier. These are measured changes; they do not establish their business causes.

  • Revenue

    +1.5%

    Prior period

    USD 2.96 million

    –

    Current period

    USD 3 million

    –

    Exact inputs and evidence

    3003000 − 2958000 = 45000 USD

    2958000 USD · 2023-04-01 – 2024-03-31

    Inspect prior input Prior source

    3003000 USD · 2024-04-01 – 2025-03-31

    Inspect current input Current source
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  • Net income

    −USD 10.77 million

    Prior period

    −USD 2.98 million

    –

    Current period

    −USD 13.74 million

    –

    Exact inputs and evidence

    -13744000 − -2977000 = -10767000 USD

    -2977000 USD · 2023-04-01 – 2024-03-31

    Inspect prior input Prior source

    -13744000 USD · 2024-04-01 – 2025-03-31

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  • Operating cash flow

    −USD 6.04 million

    Prior period

    −USD 6.57 million

    –

    Current period

    −USD 12.61 million

    –

    Exact inputs and evidence

    -12609000 − -6571000 = -6038000 USD

    -6571000 USD · 2023-04-01 – 2024-03-31

    Inspect prior input Prior source

    -12609000 USD · 2024-04-01 – 2025-03-31

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  • Capital expenditure

    -8.1%

    Prior period

    USD 360,000

    –

    Current period

    USD 331,000

    –

    Exact inputs and evidence

    331000 − 360000 = -29000 USD

    360000 USD · 2023-04-01 – 2024-03-31

    Inspect prior input Prior source

    331000 USD · 2024-04-01 – 2025-03-31

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Where revenue goes

How a period’s revenue divides into costs and what remains as profit. Items marked Derived are calculated by subtraction from reported figures.

2025 2024-04-01 – 2025-03-31

  • Revenue USD 3 million 100% of revenue
  • Operating costs Derived Unavailable An input is unavailable.
  • Operating income Unavailable An input is unavailable.
  • Tax, interest and other Derived Unavailable An input is unavailable.
  • Net income −USD 13.74 million −458% of revenue

Cash

  • Operating cash flow −USD 12.61 million −420% of revenue
  • Capital expenditure USD 331,000 11% of revenue
  • Free cash flow Derived −USD 12.94 million −431% of revenue

Share of revenue by period

  • Net income
  • Tax, interest and other
  • Operating costs
  • 2021 Not shown: operating income or net income is not reported.
  • 2022 Not shown: operating income or net income is not reported.
  • 2023 Not shown: operating income or net income is not reported.
  • 2024 Not shown: operating income or net income is not reported.
  • 2025 Not shown: operating income or net income is not reported.
Values and sources
Revenue breakdown by annual reporting period
PeriodRevenueOperating costsOperating incomeTax, interest and otherNet incomeFree cash flowSource
2021 2020-04-01 – 2021-03-314204000 UnavailableUnavailableUnavailable-3896000 1956000 Derived
Source
2022 2021-04-01 – 2022-03-314982000 UnavailableUnavailableUnavailable-847000 6960000 Derived
Source
2023 2022-04-01 – 2023-03-312899000 UnavailableUnavailableUnavailable-4401000 -10738000 Derived
Source
2024 2023-04-01 – 2024-03-312958000 UnavailableUnavailableUnavailable-2977000 -6931000 Derived
Source
2025 2024-04-01 – 2025-03-313003000 UnavailableUnavailableUnavailable-13744000 -12940000 Derived
Source

Amounts are exact, in USD.

Growth

Sales over time and how quickly they are changing.

Revenue

Revenue reported for each complete financial period.

USD 3M 2025
Revenue historyRevenue reported for each complete financial period. Values are shown by financial reporting period. Open Values and sources below for the exact observations and evidence.5.4M4.0M2.7M1.3M0.020212022202320242025
Values and sources
Revenue values and source evidence
PeriodSeriesValue(USD)Source evidence
2021Revenue4204000
2022Revenue4982000
2023Revenue2899000
2024Revenue2958000
2025Revenue3003000

Revenue growth

Change in revenue from the same financial period one year earlier.

1.5% 2025
Revenue growth historyChange in revenue from the same financial period one year earlier. Values are shown by financial reporting period. Open Values and sources below for the exact observations and evidence.23%6%-12%-29%-47%20212022202320242025
Values and sources
Revenue growth values and source evidence
PeriodSeriesValueSource evidence
2021Year over yearNo prior comparable period
2022Year over year18.5%
2023Year over year-41.8%
2024Year over year2%
2025Year over year1.5%

Profit and cash

How much revenue becomes profit, and how much cash operations generate.

Profit margins

Operating income, net income and free cash flow as a share of revenue.

Net margin -457.7% 2025
Free cash flow margin -430.9% 2025
Profit margins historyOperating income, net income and free cash flow as a share of revenue. Values are shown by financial reporting period. Open Values and sources below for the exact observations and evidence.187%14%-159%-332%-505%2021-03-312022-03-312023-03-312024-03-312025-03-31
  • Operating margin
  • Net margin
  • Free cash flow margin
Values and sources
Profit margins values and source evidence
PeriodSeriesValueSource evidence
2021-03-31Operating marginNot reported
2022-03-31Operating marginNot reported
2023-03-31Operating marginNot reported
2024-03-31Operating marginNot reported
2025-03-31Operating marginNot reported
2021Net margin-92.7%
2022Net margin-17%
2023Net margin-151.8%
2024Net margin-100.6%
2025Net margin-457.7%
2021Free cash flow margin46.5%
2022Free cash flow margin139.7%
2023Free cash flow margin-370.4%
2024Free cash flow margin-234.3%
2025Free cash flow margin-430.9%

Operating cash flow

Cash generated by the company’s normal business operations.

USD -12.6M 2025
Operating cash flow historyCash generated by the company’s normal business operations. Values are shown by financial reporting period. Open Values and sources below for the exact observations and evidence.8.7M3.0M-2.7M-8.5M-14.2M20212022202320242025
Values and sources
Operating cash flow values and source evidence
PeriodSeriesValue(USD)Source evidence
2021Operating cash flow2212000
2022Operating cash flow7152000
2023Operating cash flow-10513000
2024Operating cash flow-6571000
2025Operating cash flow-12609000

Free cash flow

Operating cash flow minus capital expenditure for the same period and unit.

USD -12.9M 2025
Free cash flow historyOperating cash flow minus capital expenditure for the same period and unit. Values are shown by financial reporting period. Open Values and sources below for the exact observations and evidence.8.6M2.8M-3.0M-8.8M-14.5M20212022202320242025
Values and sources
Free cash flow values and source evidence
PeriodSeriesValue(USD)Source evidence
2021Free cash flow1956000
2022Free cash flow6960000
2023Free cash flow-10738000
2024Free cash flow-6931000
2025Free cash flow-12940000

Balance sheet

Liabilities and short-term ability to meet obligations at each period end.

Liabilities to assets

Total liabilities as a share of total assets.

95.9% 2025
Liabilities to assets historyTotal liabilities as a share of total assets. Values are shown by financial reporting period. Open Values and sources below for the exact observations and evidence.104%78%52%26%0%20212022202320242025
Values and sources
Liabilities to assets values and source evidence
PeriodSeriesValueSource evidence
2021Liabilities / assets92.3%
2022Liabilities / assets92.5%
2023Liabilities / assets93.7%
2024Liabilities / assets94.4%
2025Liabilities / assets95.9%

Current assets to current liabilities

Current assets divided by current liabilities.

Not enough comparable data to show this history.
Values and sources
Current assets to current liabilities values and source evidence
PeriodSeriesValueSource evidence
2021-03-31Current assets / current liabilitiesNot reportedNo source recorded
2022-03-31Current assets / current liabilitiesNot reportedNo source recorded
2023-03-31Current assets / current liabilitiesNot reportedNo source recorded
2024-03-31Current assets / current liabilitiesNot reportedNo source recorded
2025-03-31Current assets / current liabilitiesNot reportedNo source recorded

Cash generation

Compare reported profit with operating cash and capital spending. Free cash flow is calculated as operating cash flow minus capital expenditure when both exact, consolidated amounts match the same period and unit.

Cash generation by annual reporting period
PeriodNet incomeOperating cash flowCapital expenditureFree cash flow
2016 2015-04-01 – 2016-03-31
−USD 2.85 million
Exact value

Exact value: -2853000 USD

2015-04-01 – 2016-03-31: -2853000 USD Inspect Net Income Open source
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USD 420,000
Exact value

Exact value: 420000 USD

2015-04-01 – 2016-03-31: 420000 USD Inspect Operating Cash Flow Open source
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USD 574,000
Exact value

Exact value: 574000 USD

2015-04-01 – 2016-03-31: 574000 USD Inspect Capital Expenditure Open source
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−USD 154,000
Calculation and evidence

420000 − 574000 USD

Exact free cash flow: -154000 USD

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2017 2016-04-01 – 2017-03-31
−USD 2.85 million
Exact value

Exact value: -2853000 USD

2016-04-01 – 2017-03-31: -2853000 USD Inspect Net Income Open source
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USD 827,000
Exact value

Exact value: 827000 USD

2016-04-01 – 2017-03-31: 827000 USD Inspect Operating Cash Flow Open source
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USD 262,000
Exact value

Exact value: 262000 USD

2016-04-01 – 2017-03-31: 262000 USD Inspect Capital Expenditure Open source
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USD 565,000
Calculation and evidence

827000 − 262000 USD

Exact free cash flow: 565000 USD

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2018 2017-04-01 – 2018-03-31
USD 5.35 million
Exact value

Exact value: 5354000 USD

2017-04-01 – 2018-03-31: 5354000 USD Inspect Net Income Open source
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−USD 4.99 million
Exact value

Exact value: -4985000 USD

2017-04-01 – 2018-03-31: -4985000 USD Inspect Operating Cash Flow Open source
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USD 1.6 million
Exact value

Exact value: 1602000 USD

2017-04-01 – 2018-03-31: 1602000 USD Inspect Capital Expenditure Open source
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−USD 6.59 million
Calculation and evidence

-4985000 − 1602000 USD

Exact free cash flow: -6587000 USD

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2019 2018-04-01 – 2019-03-31
−USD 5.94 million
Exact value

Exact value: -5936000 USD

2018-04-01 – 2019-03-31: -5936000 USD Inspect Net Income Open source
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−USD 8.77 million
Exact value

Exact value: -8765000 USD

2018-04-01 – 2019-03-31: -8765000 USD Inspect Operating Cash Flow Open source
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USD 2.88 million
Exact value

Exact value: 2880000 USD

2018-04-01 – 2019-03-31: 2880000 USD Inspect Capital Expenditure Open source
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−USD 11.65 million
Calculation and evidence

-8765000 − 2880000 USD

Exact free cash flow: -11645000 USD

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2020 2019-04-01 – 2020-03-31
−USD 5.42 million
Exact value

Exact value: -5423000 USD

2019-04-01 – 2020-03-31: -5423000 USD Inspect Net Income Open source
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−USD 31,000
Exact value

Exact value: -31000 USD

2019-04-01 – 2020-03-31: -31000 USD Inspect Operating Cash Flow Open source
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USD 1.29 million
Exact value

Exact value: 1286000 USD

2019-04-01 – 2020-03-31: 1286000 USD Inspect Capital Expenditure Open source
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−USD 1.32 million
Calculation and evidence

-31000 − 1286000 USD

Exact free cash flow: -1317000 USD

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2021 2020-04-01 – 2021-03-31
−USD 3.9 million
Exact value

Exact value: -3896000 USD

2020-04-01 – 2021-03-31: -3896000 USD Inspect Net Income Open source
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USD 2.21 million
Exact value

Exact value: 2212000 USD

2020-04-01 – 2021-03-31: 2212000 USD Inspect Operating Cash Flow Open source
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USD 256,000
Exact value

Exact value: 256000 USD

2020-04-01 – 2021-03-31: 256000 USD Inspect Capital Expenditure Open source
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USD 1.96 million
Calculation and evidence

2212000 − 256000 USD

Exact free cash flow: 1956000 USD

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2022 2021-04-01 – 2022-03-31
−USD 847,000
Exact value

Exact value: -847000 USD

2021-04-01 – 2022-03-31: -847000 USD Inspect Net Income Open source
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USD 7.15 million
Exact value

Exact value: 7152000 USD

2021-04-01 – 2022-03-31: 7152000 USD Inspect Operating Cash Flow Open source
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USD 192,000
Exact value

Exact value: 192000 USD

2021-04-01 – 2022-03-31: 192000 USD Inspect Capital Expenditure Open source
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USD 6.96 million
Calculation and evidence

7152000 − 192000 USD

Exact free cash flow: 6960000 USD

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2023 2022-04-01 – 2023-03-31
−USD 4.4 million
Exact value

Exact value: -4401000 USD

2022-04-01 – 2023-03-31: -4401000 USD Inspect Net Income Open source
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−USD 10.51 million
Exact value

Exact value: -10513000 USD

2022-04-01 – 2023-03-31: -10513000 USD Inspect Operating Cash Flow Open source
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USD 225,000
Exact value

Exact value: 225000 USD

2022-04-01 – 2023-03-31: 225000 USD Inspect Capital Expenditure Open source
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−USD 10.74 million
Calculation and evidence

-10513000 − 225000 USD

Exact free cash flow: -10738000 USD

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2024 2023-04-01 – 2024-03-31
−USD 2.98 million
Exact value

Exact value: -2977000 USD

2023-04-01 – 2024-03-31: -2977000 USD Inspect Net Income Open source
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−USD 6.57 million
Exact value

Exact value: -6571000 USD

2023-04-01 – 2024-03-31: -6571000 USD Inspect Operating Cash Flow Open source
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USD 360,000
Exact value

Exact value: 360000 USD

2023-04-01 – 2024-03-31: 360000 USD Inspect Capital Expenditure Open source
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−USD 6.93 million
Calculation and evidence

-6571000 − 360000 USD

Exact free cash flow: -6931000 USD

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2025 2024-04-01 – 2025-03-31
−USD 13.74 million
Exact value

Exact value: -13744000 USD

2024-04-01 – 2025-03-31: -13744000 USD Inspect Net Income Open source
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−USD 12.61 million
Exact value

Exact value: -12609000 USD

2024-04-01 – 2025-03-31: -12609000 USD Inspect Operating Cash Flow Open source
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USD 331,000
Exact value

Exact value: 331000 USD

2024-04-01 – 2025-03-31: 331000 USD Inspect Capital Expenditure Open source
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−USD 12.94 million
Calculation and evidence

-12609000 − 331000 USD

Exact free cash flow: -12940000 USD

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Capital expenditure uses the canonical mapped positive-spending convention. A missing, ambiguous, incompatible, or negative-sign input is left blank. Values use the latest reported version.

Dataset coverage and company identifiers

Coverage reflects filings processed into this Fundies dataset; it does not imply every source filing is loaded.

146 filings · 2,869 latest values · 2,869 originally reported values

Dataset published . Source filing dates and reporting periods are shown separately.

Identifiers: 0001016178, 1016178, CARV, edgar:1016178

Also known as CARVER BANCORP INC, CARVER BANCORP, INC., CARVER BANCORP, INC.