CARV — Stock Film
STOCK FILMSCENE 1/11CARV · $1.54
Stock Expert AI presents
CARV
Carver Bancorp, Inc
~4 min film100% real numbers0 jargon
WHAT DOES THIS COMPANY DO?
Carver Bancorp, Inc. A quick introduction.

On the stock market since 1994, it operates in the world of money and finance. It has 96 employees. Now — the numbers.

on the stock market since 1994
96 employees
$7.8M market value
Revenue last year:
$0
The loss that same year:
$0
For every $1 it earns, the company spends $1.2.

The company is still in the product-building phase: its spending runs above its sales. That only changes once the product starts selling at scale.

WHERE DOES THE MONEY COME FROM?
79%Deposit Account
Deposit Account 79%Financial Service, Other 14%Mortgage Banking 6%
79% of all revenue comes from a single line: Deposit Account.

That much dependence is a risk in itself: if this one line weakens, the whole company feels it directly.

THE SALES TREND
Sales are growing overall, with a pause along the way.

Average growth of 8% a year over the last 4 years. Red columns mark years that ended in a loss.

$30.2M
2022
$31.3M
2023
$40.7M
2024
$37.4M
2025
$40.7M
2026
In the vault right now:
$0
DEBT: $51.8M
At this pace, that money lasts about 6.7 years.

Before the clock runs out, either sales must climb sharply or new money must come in. For now, time is on the company’s side.

What executives did with their own stock over the last 12 months:
8 buy0 sell

Executives buying with their own money is usually read as confidence in the company’s future.

THE FIVE-YEAR JOURNEY
A long and steep decline.

An investor who bought at the very peak is down 92% today. The business is the same; what changed most is the price — and the expectations — the market pins on it.

1
THE BRIGHT SIDE · 1/3
Sales keep climbing

Over the last 3 years, sales grew about 9% a year on average.

2
THE BRIGHT SIDE · 2/3
The product is selling

Sales run at $40.7M a year. A small number, but proof the product has real buyers.

3
THE BRIGHT SIDE · 3/3
Executives are buying their own stock

Over the last 12 months, company executives reported 8 buys and 0 sells. Management buying with its own money is usually read as a good sign.

1
THE RISKS · 1/2
Running at a loss

A loss of $6.8M against $40.7M in annual sales.

2
THE RISKS · 2/2
The stock has lost its spark

Since the drop from its peak, buyer appetite hasn’t come back.

FINALE · THE GRADE
D
0 / 100 · MoonshotScore

On our five-subject report card, CARV sits behind the class. A low grade doesn’t mean “doomed” — it means “big claim, small proof.”

The takeaway: CARV is a high-risk stock — not yet profitable, and its future rides on its product catching on.

What would you like to do next?
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This was a film — not investment advice.
Data: FMP & company filings
Aug 21, 2026 · stockexpertai.com · Stock Film