Carver Bancorp Inc.Find Ratings Reports
CARVER BANCORP INC's gross profit margin for the first quarter of its fiscal year 2021 has increased when compared to the same period a year ago. Even though sales increased, the net income has decreased, representing a decrease to the bottom line.
During the same period, stockholders' equity ("net worth") has increased by 9.88% from the same quarter last year.
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|Income Statement||Q1 FY21||Q1 FY20|
|Net Sales ($mil)||6.97||6.47|
|Net Income ($mil)||-2.76||-0.81|
|Balance Sheet||Q1 FY21||Q1 FY20|
|Cash & Equiv. ($mil)||78.73||113.7|
|Total Assets ($mil)||682.93||670.67|
|Total Debt ($mil)||50.31||59.53|
|Profitability||Q1 FY21||Q1 FY20|
|Gross Profit Margin||89.25||82.38|
|Return on Assets||-0.85||-0.75|
|Return on Equity||-11.3||-10.83|
|Debt||Q1 FY21||Q1 FY20|
|Share Data||Q1 FY21||Q1 FY20|
|Shares outstanding (mil)||3.47||3.77|
|Div / share||0.0||0.0|
|Book value / share||14.88||12.47|
|Institutional Own %||n/a||n/a|
|Avg Daily Volume||3587391.0||410431.0|
SELL. The current P/E ratio is negative, which has no meaningful value in the assessment of premium or discount valuation, it simply displays that the company has negative earnings. Conducting a second comparison, its price-to-book ratio of 1.03 indicates a significant discount versus the S&P 500 average of 4.61 and a discount versus the subsector average of 1.45. The price-to-sales ratio is well below both the S&P 500 average and the subsector average, indicating a discount. After reviewing these and other key valuation criteria, CARVER BANCORP INC proves to trade at a discount to investment alternatives.
|CARV NM||Peers 14.24||CARV NM||Peers 15.52|
Neutral. The absence of a valid P/E ratio happens when a stock can not be valued on the basis of a negative stream of earnings.
CARV's P/E is negative making this valuation measure meaningless.
Neutral. The P/CF ratio, a stock’s price divided by the company's cash flow from operations, is useful for comparing companies with different capital requirements or financing structures.
CARV's P/CF is negative making the measure meaningless.
|CARV NA||Peers 13.82||CARV NA||Peers 1.08|
Neutral. A lower price-to-projected earnings ratio than its peers can signify a less expensive stock or lower future growth potential.
Ratio not available.
Neutral. The PEG ratio is the stock’s P/E divided by the consensus estimate of long-term earnings growth. Faster growth can justify higher price multiples.
Ratio not available.
|CARV 1.03||Peers 1.45||CARV -25.36||Peers 52.64|
Discount. A lower price-to-book ratio makes a stock more attractive to investors seeking stocks with lower market values per dollar of equity on the balance sheet.
CARV is trading at a significant discount to its peers.
Lower. Elevated earnings growth rates can lead to capital appreciation and justify higher price-to-earnings ratios.
However, CARV is expected to significantly trail its peers on the basis of its earnings growth rate.
|CARV 1.96||Peers 3.65||CARV 6.68||Peers 7.33|
Discount. In the absence of P/E and P/B multiples, the price-to-sales ratio can display the value investors are placing on each dollar of sales.
CARV is trading at a significant discount to its subsector on this measurement.
Average. Comparing a company's sales growth to its subsector helps to determine if the company is adding or losing market share.
CARV is keeping pace with its peers on the basis of sales growth.