CARVER BANCORP INC (CARV) Financial Statements

Income statement

Metric	TTM	2026	2025	2024	2023
Revenue
Total Revenue	39.9M	40.7M	37.4M	40.7M	31.3M
Cost of Revenue	12.9M	13.4M	16.3M	11.5M	5.0M
Gross Profit	27.0M	27.2M	21.0M	29.2M	26.3M
Operating Expenses
R&D Expense	—	—	—	—	—
SG&A Expense	19.2M	16.1M	17.0M	15.8M	15.7M
General & Admin Expense	13.9M	15.9M	16.5M	15.4M	15.1M
Selling & Marketing Expense	5.4M	111.0K	499.0K	376.0K	513.0K
Other Expenses	15.2M	18.0M	17.8M	16.4M	15.0M
Total Operating Expenses	34.5M	34.1M	34.8M	32.2M	30.7M
Cost and Expenses	47.4M	47.5M	51.1M	43.7M	35.7M
Operating Income (EBIT)	(5.4M)	(6.8M)	(13.7M)	(3.0M)	(4.4M)
Non-Operating
Interest Income	33.1M	34.4M	34.3M	34.0M	27.7M
Interest Expense	12.6M	13.3M	15.1M	11.5M	4.9M
Net Interest Income	20.5M	21.0M	19.2M	22.6M	22.8M
Other Non-Op Income/Expense	(2.0M)	—	—	—	—
Non-Operating Income (excl Interest)	—	—	—	—	—
EBT (Pre-Tax Income)	(7.5M)	(6.8M)	(13.7M)	(3.0M)	(4.4M)
Income Tax Expense	—	—	—	—	—
Bottom Line
Net Income	(7.5M)	(6.8M)	(13.7M)	(3.0M)	(4.4M)
Earnings from Cont. Ops	(7.5M)	(6.8M)	(13.7M)	(3.0M)	(4.4M)
Earnings from Discont. Ops	—	—	—	—	—
Bottom Line Net Income	(7.5M)	(6.8M)	(13.7M)	(3.0M)	(4.4M)
Per Share
Basic EPS	($1.33)	($1.29)	($2.65)	($0.61)	($1.03)
Diluted EPS	($1.33)	($1.29)	($2.65)	($0.61)	($1.03)
Revenue Per Share	$6.44	$7.66	$7.21	$8.41	$7.32
Shares
Basic Shares Outstanding	6.2M	5.3M	5.2M	4.8M	4.3M
Diluted Shares Outstanding	6.2M	5.3M	5.2M	4.8M	4.3M
Profitability Metrics
EBITDA	(7.3M)	(6.1M)	(12.9M)	(2.0M)	(3.3M)
D&A	189.0K	734.0K	813.0K	965.0K	1.1M
EBIT	(7.5M)	(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 Jun 1, 2026