Carver Bancorp Inc (CARV) - Net Assets
Based on the latest financial reports, Carver Bancorp Inc (CARV) has net assets worth $23.41 Million USD as of June 2026. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($652.96 Million) and total liabilities ($629.55 Million). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off. Check CARV strategic asset allocation to assess the company's strategic physical and investment asset allocation.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $23.41 Million |
| % of Total Assets | 3.58% |
| Annual Growth Rate | -1.1% |
| 5-Year Change | -55.19% |
| 10-Year Change | -47.92% |
| Growth Volatility | 24.39 |
Carver Bancorp Inc - Net Assets Trend (1995–2026)
This chart illustrates how Carver Bancorp Inc's net assets have evolved over time, based on quarterly financial data. For live market cap and overall valuation, see Carver Bancorp Inc stock valuation.
Annual Net Assets for Carver Bancorp Inc (1995–2026)
The table below shows the annual net assets of Carver Bancorp Inc from 1995 to 2026. Also explore CARV net assets growth trend to track the company's year-over-year net asset growth rate.
| Year | Net Assets | Change |
|---|---|---|
| 2026-03-31 | $24.68 Million | -16.54% |
| 2025-03-31 | $29.58 Million | -30.09% |
| 2024-03-31 | $42.31 Million | -6.45% |
| 2023-03-31 | $45.22 Million | -17.90% |
| 2022-03-31 | $55.09 Million | +5.33% |
| 2021-03-31 | $52.30 Million | +6.97% |
| 2020-03-31 | $48.89 Million | +3.73% |
| 2019-03-31 | $47.14 Million | -9.30% |
| 2018-03-31 | $51.97 Million | +9.65% |
| 2017-03-31 | $47.40 Million | -8.64% |
| 2016-03-31 | $51.88 Million | -3.29% |
| 2015-03-31 | $53.65 Million | +4.84% |
| 2014-03-31 | $51.17 Million | -9.81% |
| 2013-03-31 | $56.73 Million | +0.20% |
| 2012-03-31 | $56.62 Million | +104.28% |
| 2011-03-31 | $27.72 Million | -55.07% |
| 2010-03-31 | $61.69 Million | -4.12% |
| 2009-03-31 | $64.34 Million | -11.92% |
| 2008-03-31 | $73.05 Million | +41.49% |
| 2007-03-31 | $51.63 Million | +6.02% |
| 2006-03-31 | $48.70 Million | +6.32% |
| 2005-03-31 | $45.80 Million | +2.59% |
| 2004-03-31 | $44.65 Million | +8.70% |
| 2003-03-31 | $41.07 Million | +11.79% |
| 2002-03-31 | $36.74 Million | +14.48% |
| 2001-03-31 | $32.10 Million | -1.67% |
| 2000-03-31 | $32.64 Million | +4.62% |
| 1999-03-31 | $31.20 Million | -12.11% |
| 1998-03-31 | $35.50 Million | +4.41% |
| 1997-03-31 | $34.00 Million | -2.30% |
| 1996-03-31 | $34.80 Million | 0.00% |
| 1995-03-31 | $34.80 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to Carver Bancorp Inc's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have decreased by 571.5% over the analyzed period, potentially due to dividend distributions or operating losses.
Current Equity Component Breakdown (March 2026)
| Component | Amount | Percentage |
|---|---|---|
| Common Stock | $84.00K | 0.34% |
| Other Comprehensive Income | $-10.94 Million | -44.32% |
| Other Components | $107.68 Million | 436.22% |
| Total Equity | $24.68 Million | 100.00% |
Carver Bancorp Inc Competitors by Market Cap
The table below lists competitors of Carver Bancorp Inc ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
The Agency Group Australia Ltd
AU:AU1
|
$9.33 Million |
|
O.R.T.
TA:ORTC
|
$9.33 Million |
|
B.A.G Films and Media Limited
NSE:BAGFILMS
|
$9.33 Million |
|
Hengli Industrial Development Group Co Ltd
SHE:000622
|
$9.33 Million |
|
Supreme Engineering Limited
NSE:SUPREMEENG
|
$9.33 Million |
|
Island Concepts Indonesia Tbk
JK:ICON
|
$9.32 Million |
|
Acceleware Ltd
V:AXE
|
$9.32 Million |
|
Puri Global Sukses Tbk Pt
JK:PURI
|
$9.32 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Carver Bancorp Inc's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2025 to 2026, total equity changed from 29,578,000 to 24,685,000, a change of -4,893,000 (-16.5%).
- Net loss of 6,845,000 reduced equity.
- Other comprehensive income increased equity by 1,012,000.
- Other factors increased equity by 940,000.
Equity Change Factors (2025 to 2026)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $-6.84 Million | -27.73% |
| Other Comprehensive Income | $1.01 Million | +4.1% |
| Other Changes | $940.00K | +3.81% |
| Total Change | $- | -16.54% |
Book Value vs Market Value Analysis
This analysis compares Carver Bancorp Inc's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 0.37x
- The company is trading below its book value, potentially indicating the market believes the assets are overvalued on the balance sheet or anticipates future losses.
- The price-to-book ratio has increased from 0.01x to 0.37x over the analyzed period, suggesting growing market confidence.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 1995-03-31 | $261.00 | $1.70 | x |
| 1996-03-31 | $228.37 | $1.70 | x |
| 1997-03-31 | $240.00 | $1.70 | x |
| 1998-03-31 | $243.42 | $1.70 | x |
| 1999-03-31 | $212.14 | $1.70 | x |
| 2000-03-31 | $215.43 | $1.70 | x |
| 2001-03-31 | $213.61 | $1.70 | x |
| 2002-03-31 | $230.65 | $1.70 | x |
| 2003-03-31 | $257.69 | $1.70 | x |
| 2004-03-31 | $269.77 | $1.70 | x |
| 2005-03-31 | $279.14 | $1.70 | x |
| 2006-03-31 | $280.94 | $1.70 | x |
| 2007-03-31 | $299.81 | $1.70 | x |
| 2008-03-31 | $315.68 | $1.70 | x |
| 2009-03-31 | $390.40 | $1.70 | x |
| 2010-03-31 | $374.00 | $1.70 | x |
| 2011-03-31 | $142.64 | $1.70 | x |
| 2012-03-31 | $32.41 | $1.70 | x |
| 2013-03-31 | $15.31 | $1.70 | x |
| 2014-03-31 | $13.94 | $1.70 | x |
| 2015-03-31 | $14.51 | $1.70 | x |
| 2016-03-31 | $14.04 | $1.70 | x |
| 2017-03-31 | $12.82 | $1.70 | x |
| 2018-03-31 | $14.04 | $1.70 | x |
| 2019-03-31 | $12.74 | $1.70 | x |
| 2020-03-31 | $13.22 | $1.70 | x |
| 2021-03-31 | $15.32 | $1.70 | x |
| 2022-03-31 | $15.35 | $1.70 | x |
| 2023-03-31 | $10.57 | $1.70 | x |
| 2024-03-31 | $8.73 | $1.70 | x |
| 2025-03-31 | $5.71 | $1.70 | x |
| 2026-03-31 | $4.65 | $1.70 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Carver Bancorp Inc utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): -27.73%
- The company may be facing challenges in efficiently utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: -16.84%
- • Asset Turnover: 0.06x
- • Equity Multiplier: 27.19x
- Recent ROE (-27.73%) is below the historical average (-9.51%), suggesting potential challenges in capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 1995 | 2.30% | 3.92% | 0.06x | 10.57x | $-2.68 Million |
| 1996 | 2.30% | 3.32% | 0.07x | 10.57x | $-2.68 Million |
| 1997 | -5.00% | -7.39% | 0.05x | 12.46x | $-5.10 Million |
| 1998 | 2.82% | 3.31% | 0.07x | 12.32x | $-2.55 Million |
| 1999 | -14.42% | -14.57% | 0.07x | 13.35x | $-7.62 Million |
| 2000 | -3.48% | -3.80% | 0.07x | 12.87x | $-4.40 Million |
| 2001 | -1.21% | -1.25% | 0.07x | 13.23x | $-3.60 Million |
| 2002 | 12.83% | 14.33% | 0.07x | 12.26x | $1.04 Million |
| 2003 | 9.33% | 12.54% | 0.06x | 12.41x | $-276.30K |
| 2004 | 10.84% | 15.36% | 0.06x | 12.07x | $374.50K |
| 2005 | 5.78% | 8.12% | 0.05x | 13.68x | $-1.93 Million |
| 2006 | 7.74% | 9.99% | 0.06x | 13.57x | $-1.10 Million |
| 2007 | 5.00% | 5.79% | 0.06x | 14.33x | $-2.58 Million |
| 2008 | 7.38% | 7.11% | 0.07x | 14.77x | $-1.41 Million |
| 2009 | -10.92% | -14.89% | 0.06x | 12.30x | $-13.46 Million |
| 2010 | -1.66% | -2.30% | 0.06x | 13.06x | $-7.19 Million |
| 2011 | -166.93% | -90.71% | 0.06x | 29.95x | $-41.89 Million |
| 2012 | -43.45% | -74.10% | 0.05x | 11.90x | $-28.79 Million |
| 2013 | 1.17% | 2.15% | 0.05x | 11.28x | $-5.00 Million |
| 2014 | -1.62% | -2.78% | 0.05x | 12.41x | $-5.99 Million |
| 2015 | -0.51% | -0.98% | 0.04x | 12.60x | $-5.64 Million |
| 2016 | -3.41% | -5.64% | 0.04x | 14.25x | $-6.96 Million |
| 2017 | -6.02% | -11.08% | 0.04x | 14.51x | $-7.59 Million |
| 2018 | 10.30% | 18.40% | 0.04x | 13.35x | $156.90K |
| 2019 | -12.59% | -21.77% | 0.05x | 11.96x | $-10.65 Million |
| 2020 | -11.09% | -21.38% | 0.04x | 11.84x | $-10.31 Million |
| 2021 | -7.45% | -14.70% | 0.04x | 12.94x | $-9.13 Million |
| 2022 | -1.54% | -2.80% | 0.04x | 13.35x | $-6.36 Million |
| 2023 | -9.73% | -14.06% | 0.04x | 15.99x | $-8.92 Million |
| 2024 | -7.04% | -7.31% | 0.05x | 17.89x | $-7.21 Million |
| 2025 | -46.47% | -36.78% | 0.05x | 24.68x | $-16.70 Million |
| 2026 | -27.73% | -16.84% | 0.06x | 27.19x | $-9.31 Million |
Industry Comparison
This section compares Carver Bancorp Inc's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $574,041,500
- Average return on equity (ROE) among peers: 7.87%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Carver Bancorp Inc (CARV) | $23.41 Million | 2.30% | 26.90x | $9.33 Million |
| Ameris Bancorp (ABCB) | $141.98 Million | 7.29% | 7.40x | $4.95 Billion |
| Ameris Bancorp (ABCB) | $804.48 Million | 9.14% | 8.77x | $5.62 Billion |
| ACNB Corporation (ACNB) | $61.12 Million | 12.64% | 7.91x | $656.47 Million |
| Affinity Bancshares Inc (AFBI) | $45.08 Million | 2.57% | 4.16x | $140.18 Million |
| Alerus Financial Corp (ALRS) | $182.82 Million | 9.36% | 8.54x | $822.80 Million |
| Amalgamated Bank (AMAL) | $439.37 Million | 10.16% | 9.66x | $1.27 Billion |
| Amerant Bancorp Inc. (AMTB) | $747.42 Million | 6.13% | 9.87x | $979.96 Million |
| Arrow Financial Corporation (AROW) | $334.39 Million | 12.21% | 10.03x | $708.35 Million |
| Associated Banc-Corp (ASB) | $2.88 Billion | 5.86% | 7.41x | $5.62 Billion |
| AmeriServ Financial Inc (ASRV) | $107.25 Million | 3.36% | 12.26x | $78.95 Million |
About Carver Bancorp Inc
Carver Bancorp, Inc. operates as the holding company for Carver Federal Savings Bank that focuses on community banking. The company provides deposit accounts through its branches; and invest funds in mortgage loans and other investments. It also offers online banking, savings and checking accounts, and loans. In addition, the company provides one-to-four family, multifamily, commercial real estat… Read more