Event-Driven Stocks

CARVER BANCORP INC

CARVOTC

Financials · Savings Institution, Federally Chartered · DE · SEC filings ↗ · Compare ⊕

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Signs● 2 good● 3 warning● 1 severedetails ↓

Financials

SEC XBRL · annual
 FY25FY24FY23FY22FY21FY20
Revenue$3.0M$3.0M$2.9M$5.0M$4.2M—
Operating income——————
Net income−$13.7M−$3.0M−$4.4M−$847,000−$3.9M−$5.4M
Total assets$730.0M$756.8M$723.2M$735.3M$676.7M$578.8M
Total liabilities$700.4M$714.5M$678.0M$680.2M$624.4M$529.9M
Equity$29.6M$42.3M$45.2M$55.1M$52.3M$48.9M
EPS (diluted)$-2.65$-0.61$-1.03$-0.24$-1.14$-1.47
Shares out.5.1M5.1M4.4M4.2M3.5M3.7M

Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.

Key ratios

from filings · FY2025
Operating margin
—
Net margin
−457.7%
Return on equity
−46.5%
Return on assets
−1.9%
Return on capital (ROCE)
—
Liabilities / assets
95.9%
Debt / equity
23.68×
Book value / share
$5.83
Revenue growth (YoY)
1.5%
Net income growth (YoY)
—

Computed from the company's own SEC figures — no market price, so these are facts, not a valuation. Book value per share is reported equity ÷ shares; it is not the stock price.

Financial health

forensic scores · FY2025
Accruals / assets
−0.2%clean
Piotroski F-Score
3/7weak

Altman Z″is a textbook bankruptcy-distress score from book values only (>2.6 safe · 1.1–2.6 grey · <1.1 distress). Accruals = (net income − operating cash flow) ÷ assets; persistently high accruals are an earnings-quality red flag. Beneish M-Scoreis an eight-ratio screen comparing this year with last (M > −1.78 = elevated manipulation-risk screen, not proof). Piotroski F-Scorecounts how many of nine fundamental-health checks pass (shown as passed / applicable; we use operating margin and total liabilities as documented proxies where the exact input isn't XBRL-tagged). Computed from SEC filings — descriptive factors, not advice or a forecast.

Quality score

EDS Score
57
/ 100
Profitability 0Growth 100Catalyst 67Earnings quality 67Financial strength 50

Our own multi-factor score from free SEC data — profitability, growth, financial strength, earnings quality, and event/ownership catalysts. No market price and no licensed model: each axis is the share of source-backed checks it passes. Descriptive factors, not advice or a forecast. What these scores mean →

Signs

● 1 severe● 3 warning● 2 good
  • Filed a late-filing notice (Form NT) — missed an SEC deadline
  • Reported a net loss
  • High leverage (liabilities > 70% of assets)
  • Negative operating cash flow
  • Revenue is growing year-over-year
  • Clean earnings (low accruals)

Derived from the company's own SEC figures (fundamentals, forensic scores, filing discipline) — descriptive factors, not advice or a forecast.

Risk flags

late SEC filings

A Form NT means the company notified the SEC it would file a periodic report late — often an accounting, audit or liquidity warning sign. Also search SEC enforcement actions for this company.

5%+ owners

SEC Schedule 13D / 13G · last 3 yrs

Holders who disclosed a 5%+ stake. 13D signals intent to influence or control; 13G is a passive holding. Latest filing per holder — open it for the exact stake.

Short interest

FINRA · bi-monthly
SettlementShares shortDays to coverΔ vs prior
May 15, 20268,1462.7-1.6%
Apr 30, 20268,2831.0-11.3%
Apr 15, 20269,3431.1+23.7%
Mar 31, 20267,5542.1+79.3%
Mar 13, 20264,2131.0-2.7%

Shares sold short as reported to FINRA. Days-to-cover = short shares ÷ average daily volume — higher means more potential squeeze pressure.

Material events

SEC Form 8-K · most recent

Events the company reported on Form 8-K, labelled by the SEC item code it filed under — its own classification, not our interpretation.

Recent SEC filings

All filings ↗

Event-driven situations (2)

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