CARV CARVER BANCORP INC

Overview and Growth

CARVER BANCORP INC generated $3.00M of revenue and net loss of $13.74M in fiscal 2025. Reported revenue of $3.00M establishes the scale of the bank’s recognized income for the year and provides context for comparing earnings with the financial resources employed. The top line expanded 1.5% from $2.96M in fiscal 2024, increasing the company’s operating scale. On a per-share basis, diluted EPS was -$2.65, which connects the reported earnings outcome with the company’s diluted share count. The diluted weighted-average share count was 5.18M, linking total earnings with the per-share result received by shareholders. Diluted shares moved 7.0% from 4.85M in fiscal 2024, leaving the current share base higher year over year. At period end, total assets were $729.99M, framing the scale of the bank’s balance-sheet commitments and providing the base for evaluating earnings returns, capitalization, liquidity, and its shareholder-capital buffer.

Profitability

After all recognized items, the bank ended the period with a net loss of $13.74M. Measured against revenue, the bottom-line deficit represented 457.7% after all recognized items. Income tax expense totaled $0.00, providing the reported tax component that separates pretax and after-tax earnings. The loss-to-equity relationship was 46.5%, placing the bottom-line deficit against shareholder capital. The net loss equaled 1.9% of period-end assets, showing the deficit relative to the asset base. Compared with a $2.98M net loss in fiscal 2024, the current loss increased to $13.74M. For a banking business, profitability is best read through net income together with returns on the asset base and shareholder capital. Return on assets connects earnings to the full financial balance sheet, while return on equity shows the result relative to shareholder capital; together they separate operating scale from capitalization and clarify the relationship between them.

Liquidity and Capital Structure

Total assets were $729.99M, supported by $700.41M of liabilities and $29.58M of shareholder equity. The company held $50.31M in cash and equivalents, a narrower liquidity measure than total current assets. The equity-to-assets relationship was 4.1%, placing book capital against the total resource base. Liabilities represented 95.9% of total assets, quantifying the liability-funded share of the company’s resource base. The cash-to-assets relationship was 6.9%, comparing reported cash and equivalents with the full positive asset balance. The asset base changed 3.5% from $756.80M in fiscal 2024, leaving current total assets lower year over year. Book equity was 30.1% lower than fiscal 2024 equity of $42.31M, showing how shareholder capital changed year over year. Compared with $59.02M in fiscal 2024, the current cash balance moved 14.8% and finished lower. The mix of equity and liabilities is central to a bank’s resilience because book capital provides the balance sheet’s principal loss-absorbing layer. Year-over-year movement in total assets shows whether the banking platform expanded or contracted, while the accompanying change in book equity shows how shareholder capital moved alongside that balance-sheet scale.

Based on the annual report for the fiscal year ending Mar 31, 2025. Analysis generated Oct 21, 2026.