Carver Bancorp Inc (CARV)

Financial Services | Banks Regional
Income Statement (Quarterly) 2025-06-30 2025-03-31 2024-12-31 2024-09-30
Revenue 9,204,000 9,214,000 7,678,000 10,410,000
Cost of Revenue 0 0 3,986,000 4,292,000
Gross Profit 0 0 3,692,000 6,118,000
Operating Expenses
R&D Expenses 0 0 0 0
SG&A Expenses 0 0 4,778,000 4,162,000
Operating Expenses 0 0 9,340,000 8,231,000
Operating Income -1,177,000 -3,771,000 -5,648,000 -2,113,000
Interest Expense 3,563,000 0 3,890,000 3,831,000
Income Before Tax -1,177,000 -3,771,000 -5,648,000 -2,113,000
Income Tax Expense 0 0 0 0
Net Income -1,177,000 -3,771,000 -5,648,000 -2,113,000
Per Share
EPS -0.22 -0.71 -1.09 -0.41
EPS Diluted 0.00 0.00 0.00 0.00
Income Statement (Annual) 2025-03-31 2024-03-31 2023-03-31 2022-03-31 2021-03-31
Revenue 36,862,000 40,742,000 31,295,000 27,820,000 22,085,000
Cost of Revenue 16,322,000 11,541,000 5,011,000 0 0
Gross Profit 20,540,000 29,284,000 26,284,000 27,820,000 0
Operating Expenses
R&D Expenses 0 0 0 0 0
SG&A Expenses 17,014,000 16,176,000 15,661,000 14,542,000 17,275,000
Operating Expenses 34,284,000 32,178,000 30,685,000 -26,268,000 0
Operating Income -13,824,000 -2,977,000 -4,401,000 1,552,000 0
Interest Expense 15,131,000 11,458,000 4,911,000 2,399,000 4,420,000
Income Before Tax -13,744,000 -2,977,000 -4,401,000 -847,000 -3,896,000
Income Tax Expense 0 0 -1,058,000 2,399,000 0
Net Income -13,744,000 -2,977,000 -4,401,000 -3,246,000 -3,896,000
Per Share
EPS -2.65 -0.61 -1.03 -0.90 -1.14
EPS Diluted 0.00 0.00 0.00 0.00 0.00
Balance Sheet (Quarterly) 2025-03-31 2024-03-31 2023-03-31 2022-03-31
Assets
Cash and Cash Equivalents 837,000 59,025,000 42,552,000 61,018,000
Short Term Investments 23,915,000 48,030,000 53,843,000 67,596,000
Net Receivables 2,980,000 3,662,000 0 2,414,000
Inventory 0 0 -46,434,000 -63,492,000
Total Current Assets 837,000 110,717,000 668,000 131,028,000
Property Plant Equipment 0 12,411,000 15,485,000 17,412,000
Goodwill and Intangibles 0 140,000 152,000 162,000
Total Assets 54,094,000 756,796,000 723,224,000 735,314,000
Liabilities
Account Payables 5,731,000 0 1,475,000 499,000
Short Term Debt 4,733,000 0 0 2,648,000
Total Current Liabilities 5,731,000 646,999,000 1,475,000 499,000
Long Term Debt 24,379,000 57,152,000 77,436,000 30,342,000
Total Liabilities 24,516,000 714,487,000 678,000,000 680,227,000
Shareholders Equity
Retained Earnings -65,293,000 -51,549,000 -47,904,000 -43,503,000
Total Shareholders Equity 29,578,000 42,309,000 45,224,000 55,087,000
Balance Sheet (Annual) 2025-03-31 2024-03-31 2023-03-31 2022-03-31 2021-03-31
Assets
Cash and Cash Equivalents 837,000 59,025,000 42,552,000 61,018,000 75,591,000
Short Term Investments 23,915,000 48,030,000 53,843,000 67,596,000 86,507,000
Net Receivables 2,980,000 3,662,000 0 2,414,000 2,640,000
Inventory 0 0 -46,434,000 -63,492,000 0
Total Current Assets 837,000 110,717,000 668,000 131,028,000 0
Property Plant Equipment 0 12,411,000 15,485,000 17,412,000 19,955,000
Goodwill and Intangibles 0 140,000 152,000 162,000 0
Total Assets 54,094,000 756,796,000 723,224,000 735,314,000 676,748,000
Liabilities
Account Payables 5,731,000 0 1,475,000 499,000 0
Short Term Debt 4,733,000 0 0 2,648,000 0
Total Current Liabilities 5,731,000 646,999,000 1,475,000 499,000 0
Long Term Debt 24,379,000 57,152,000 77,436,000 30,342,000 53,225,000
Total Liabilities 24,516,000 714,487,000 678,000,000 680,227,000 624,447,000
Shareholders Equity
Retained Earnings -65,293,000 -51,549,000 -47,904,000 -43,503,000 -42,656,000
Total Shareholders Equity 29,578,000 42,309,000 45,224,000 55,087,000 52,301,000
Cash Flow Statement (Quarterly) 2025-03-31 2024-03-31 2023-03-31 2022-03-31
Operating Activities
Net Income -13,744,000 -2,977,000 -4,401,000 -847,000
Depreciation & Amortization 1,027,000 965,000 1,058,000 1,029,000
Stock Based Compensation 66,000 220,000 91,000 122,000
Change in Working Capital -1,364,000 -5,346,000 -7,449,000 5,971,000
Operating Cash Flow -12,609,000 -6,571,000 -10,513,000 7,152,000
Investing Activities
Capital Expenditure -331,000 -360,000 -225,000 -192,000
Investments 0 -360,000 -225,000 -192,000
Investing Cash Flow 15,079,000 -20,053,000 -15,262,000 -79,079,000
Financing Activities
Debt Repayment -26,213,000 -4,473,000 -3,000 -23,702,000
Common Stock Issued/Repurchased 195,000 1,000,000 0 2,998,000
Dividends Paid 0 0 0 0
Financing Cash Flow -11,180,000 43,097,000 7,309,000 57,354,000
Summary
Free Cash Flow -12,609,000 -6,931,000 -10,738,000 6,960,000
Net Change in Cash -8,710,000 16,473,000 -18,466,000 -14,573,000
Cash Flow Statement (Annual) 2025-03-31 2024-03-31 2023-03-31 2022-03-31 2021-03-31
Operating Activities
Net Income -13,744,000 -2,977,000 -4,401,000 -847,000 -3,896,000
Depreciation & Amortization 1,027,000 965,000 1,058,000 1,029,000 1,017,000
Stock Based Compensation 66,000 220,000 91,000 122,000 36,000
Change in Working Capital -1,364,000 -5,346,000 -7,449,000 5,971,000 5,197,000
Operating Cash Flow -12,609,000 -6,571,000 -10,513,000 7,152,000 2,212,000
Investing Activities
Capital Expenditure -331,000 -360,000 -225,000 -192,000 -256,000
Investments 0 -360,000 -225,000 -192,000 -256,000
Investing Cash Flow 15,079,000 -20,053,000 -15,262,000 -79,079,000 -76,984,000
Financing Activities
Debt Repayment -26,213,000 -4,473,000 -3,000 -23,702,000 0
Common Stock Issued/Repurchased 195,000 1,000,000 0 2,998,000 697,000
Dividends Paid 0 0 0 0 0
Financing Cash Flow -11,180,000 43,097,000 7,309,000 57,354,000 102,823,000
Summary
Free Cash Flow -12,609,000 -6,931,000 -10,738,000 6,960,000 1,956,000
Net Change in Cash -8,710,000 16,473,000 -18,466,000 -14,573,000 28,051,000