Carver Bancorp, Inc. (CARV) Financial Statements

Income statement

Metric	TTM	2026	2025	2024	2023
Revenue
Total Revenue	40.7M	40.7M	37.4M	40.7M	31.3M
Cost of Revenue	13.4M	13.4M	16.3M	11.5M	5.0M
Gross Profit	27.2M	27.2M	21.0M	29.2M	26.3M
Operating Expenses
R&D Expense	—	—	—	—	—
SG&A Expense	19.9M	16.1M	17.0M	15.8M	15.7M
General & Admin Expense	14.6M	15.9M	16.5M	15.4M	15.1M
Selling & Marketing Expense	10.9M	111.0K	499.0K	376.0K	513.0K
Other Expenses	14.1M	18.0M	17.8M	16.4M	15.0M
Total Operating Expenses	34.1M	34.1M	34.8M	32.2M	30.7M
Cost and Expenses	47.5M	47.5M	51.1M	43.7M	35.7M
Operating Income (EBIT)	(4.8M)	(6.8M)	(13.7M)	(3.0M)	(4.4M)
Non-Operating
Interest Income	34.4M	34.4M	34.3M	34.0M	27.7M
Interest Expense	13.3M	13.3M	15.1M	11.5M	4.9M
Net Interest Income	21.0M	21.0M	19.2M	22.6M	22.8M
Other Non-Op Income/Expense	(2.0M)	—	—	—	—
Non-Operating Income (excl Interest)	—	—	—	—	—
EBT (Pre-Tax Income)	(6.8M)	(6.8M)	(13.7M)	(3.0M)	(4.4M)
Income Tax Expense	—	—	—	—	—
Bottom Line
Net Income	(6.8M)	(6.8M)	(13.7M)	(3.0M)	(4.4M)
Earnings from Cont. Ops	(6.8M)	(6.8M)	(13.7M)	(3.0M)	(4.4M)
Earnings from Discont. Ops	—	—	—	—	—
Bottom Line Net Income	(6.8M)	(6.8M)	(13.7M)	(3.0M)	(4.4M)
Per Share
Basic EPS	($1.26)	($1.29)	($2.65)	($0.61)	($1.03)
Diluted EPS	($1.26)	($1.29)	($2.65)	($0.61)	($1.03)
Revenue Per Share	$6.97	$7.66	$7.21	$8.41	$7.32
Shares
Basic Shares Outstanding	5.8M	5.3M	5.2M	4.8M	4.3M
Diluted Shares Outstanding	5.8M	5.3M	5.2M	4.8M	4.3M
Profitability Metrics
EBITDA	(6.5M)	(6.1M)	(12.9M)	(2.0M)	(3.3M)
D&A	368.0K	734.0K	813.0K	965.0K	1.1M
EBIT	(6.8M)	(6.8M)	(13.7M)	(3.0M)	(4.4M)

As reported, in the filing currency · TTM sums the four latest quarters; MRQ is the latest quarter · Negatives in parentheses; a dash is a line the filing does not carry · Data as of Mar 1, 2026