Pulling SEC filings + quote and writing the call…
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | — | — | — | — | — | $4.20M | $4.98M | $2.90M | $2.96M | $3.00M |
| Revenue growth | — | — | — | — | — | — | 18.5% | -41.8% | 2.0% | 1.5% |
| Operating income | -$170K | — | — | — | — | — | — | — | — | — |
| Net income | -$2.85M | -$2.85M | $5.35M | -$5.94M | -$5.42M | -$3.90M | -$847K | -$4.40M | -$2.98M | -$13.7M |
| Net margin | — | — | — | — | — | -92.7% | -17.0% | -151.8% | -100.6% | -457.7% |
| EPS (diluted) | -$0.48 | -$0.77 | $0.58 | -$1.60 | -$1.47 | -$1.14 | -$0.24 | -$1.03 | -$0.61 | -$2.65 |
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating cash flow | $420K | $827K | -$4.99M | -$8.77M | -$31.0K | $2.21M | $7.15M | -$10.5M | -$6.57M | -$12.6M |
| Capital expenditures | $574K | $262K | $1.60M | $2.88M | $1.29M | $256K | $192K | $225K | $360K | $331K |
| Free cash flow | -$154K | $565K | -$6.59M | -$11.6M | -$1.32M | $1.96M | $6.96M | -$10.7M | -$6.93M | -$12.9M |
| Share buybacks | — | — | — | — | — | $2.50M | $0.00 | — | — | — |
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & equivalents | $63.2M | $58.7M | $135M | $31.2M | $47.5M | $75.6M | $61.0M | $42.6M | $59.0M | $50.3M |
| Total assets | $739M | $688M | $694M | $564M | $579M | $677M | $735M | $723M | $757M | $730M |
| Total liabilities | $687M | $640M | $642M | $517M | $530M | $624M | $680M | $678M | $714M | $700M |
| Long-term debt | — | — | — | — | — | — | $15.9M | $40.9M | $46.4M | $20.2M |
| Shareholders' equity | $51.9M | $47.4M | $52.0M | $47.1M | $48.9M | $52.3M | $55.1M | $45.2M | $42.3M | $29.6M |
| Retained earnings | -$48.0M | -$50.9M | -$45.5M | -$52.2M | -$52.3M | -$42.7M | -$43.5M | -$47.9M | -$51.5M | -$65.3M |
| Shares (wtd avg diluted) | 3.70M | 3.70M | 3.70M | 3.70M | 3.70M | 3.42M | 3.59M | 4.28M | 4.85M | 5.18M |
Every figure is extracted from CARVER BANCORP INC’s annual reports as filed with the SEC (XBRL company facts) — no third-party estimates. Fiscal years are labeled by period end; filers occasionally re-tag concepts, so a sparse cell means the company didn’t report that concept for that year. Free cash flow = operating cash flow − capital expenditures.
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