Carver Bancorp Financials

$10.5 M

Mkt cap, 18-Apr-2018
Net income (Q2, 2018)(594 K)
EBIT (Q2, 2018)5.1 M
Cash, 30-Sep-201767.7 M

Revenue/Financials

Income Statement

Annual

USDFY, 2014FY, 2015FY, 2016

Revenue

30.1 m27.9 m8.4 m

Revenue growth, %

(7%)(70%)

Cost of goods sold

4 m3.9 m1.2 m

Gross profit

26.1 m24 m7.2 m

Gross profit Margin, %

87%86%86%

Sales and marketing expense

11.8 m11.6 m11.4 m

R&D expense

1.1 m733 k1.1 m

Operating expense total

12.9 m12.3 m12.5 m

EBIT

19.7 m21.4 m5.7 m

EBIT margin, %

66%77%68%

Income tax expense

102 k166 k32 k

Net Income

(553 k)(170 k)

Quarterly

USDQ1, 2015Q2, 2015Q3, 2015Q1, 2016Q2, 2016Q3, 2016Q1, 2017Q2, 2017Q3, 2017Q1, 2018Q2, 2018

Revenue

7 m7.2 m6.7 m7.4 m7.9 m9.8 m8.1 m7.6 m7.1 m

Cost of goods sold

992 k992 k1 m1.1 m1.1 m1.2 m1.2 m1.4 m1.3 m1.2 m1.3 m

Gross profit

6 m6.2 m5.7 m6.3 m6.8 m8.6 m6.8 m6.2 m5.8 m

Gross profit Margin, %

86%86%85%86%86%88%85%81%82%

Sales and marketing expense

2.8 m3 m3 m2.8 m2.7 m2.9 m2.9 m3 m3.1 m3.1 m3.1 m

R&D expense

277 k43 k77 k349 k232 k455 k328 k371 k379 k393 k425 k

Operating expense total

3.1 m3 m3.1 m3.1 m3 m3.4 m3.3 m3.4 m3.5 m6.7 m6.8 m

Depreciation and amortization

203 k

EBIT

5.5 m5.3 m5.4 m5 m5 m5.1 m5.7 m4.9 m4.8 m5 m5.1 m

EBIT margin, %

80%74%81%68%64%52%70%65%68%

Pre tax profit

206 k120 k22 k191 k(86 k)504 k445 k(252 k)(1.2 m)(611 k)(564 k)

Income tax expense

16 k57 k62 k13 k79 k67 k37 k30 k30 k

Net Income

190 k63 k(40 k)178 k(165 k)437 k408 k156 k(1 m)(641 k)(594 k)

Balance Sheet

Annual

USDFY, 2015FY, 2016

Cash

51 m63.7 m

Accounts Receivable

2.8 m3.6 m

Inventories

71.5 m

PP&E

7.1 m6 m

Total Assets

676.4 m741.7 m

Accounts Payable

606.7 m

Total Liabilities

687.5 m

Common Stock

61 k61 k

Preferred Stock

45.1 m45.1 m

Additional Paid-in Capital

55.5 m55.5 m

Retained Earnings

(44.2 m)(45.7 m)

Total Equity

55 m54.2 m

Financial Leverage

12.3 x13.7 x

Quarterly

USDQ1, 2016Q2, 2016Q3, 2016Q1, 2017Q2, 2017Q3, 2017Q1, 2018Q2, 2018

Cash

45.8 m57.7 m46.1 m46 m73.8 m61.5 m45.5 m67.7 m

Accounts Receivable

1.8 m2.2 m

PP&E

7 m6.9 m6.5 m5.8 m5.6 m5.5 m5.5 m5.7 m

Total Assets

670.8 m736.7 m754.1 m697.6 m701.7 m698.9 m661.1 m666.4 m

Accounts Payable

546.6 m586.3 m597.6 m579.9 m583.6 m578.2 m558.7 m569.5 m

Total Liabilities

613.9 m619.7 m

Common Stock

61 k61 k61 k61 k61 k61 k61 k61 k

Preferred Stock

45.1 m45.1 m45.1 m45.1 m45.1 m45.1 m45.1 m45.1 m

Additional Paid-in Capital

55.5 m55.5 m55.5 m55.5 m55.5 m55.5 m55.5 m55.5 m

Retained Earnings

(44 m)(44.2 m)(43.8 m)(45.3 m)(45.6 m)(46.7 m)(51.5 m)(52.1 m)

Total Equity

54.3 m55.2 m55.1 m55 m54.4 m51.4 m47.1 m46.7 m

Financial Leverage

12.4 x13.3 x13.7 x12.7 x12.9 x13.6 x14 x14.3 x

Cash Flow

Annual

USDFY, 2014FY, 2015FY, 2016

Net Income

(553 k)(170 k)

Depreciation and Amortization

1.1 m1.4 m

Accounts Receivable

2.6 m

Cash From Operating Activities

3.8 m490 k

Cash From Investing Activities

(106.8 m)(51.8 m)

Interest Paid

3.5 m4.1 m

Income Taxes Paid

161 k217 k

Quarterly

USDQ1, 2015Q2, 2015Q3, 2015Q1, 2016Q2, 2016Q3, 2016Q1, 2017Q2, 2017Q3, 2017Q1, 2018

Net Income

190 k63 k(40 k)178 k(165 k)437 k408 k156 k(1 m)(641 k)

Depreciation and Amortization

245 k498 k511 k215 k431 k646 k203 k

Accounts Receivable

2.6 m3.2 m2.7 m

Cash From Operating Activities

782 k2.3 m2 m716 k(1.5 m)(379 k)

Cash From Investing Activities

238 k(54.1 m)(81.8 m)27.4 m59.7 m36.8 m13.5 m

Cash From Financing Activities

(6.2 m)58.5 m74.9 m(45.8 m)(48.1 m)(38.6 m)(25.5 m)

Interest Paid

934 k1.9 m2.6 m1.1 m4.7 m4.7 m1.1 m

Income Taxes Paid

30 k86 k143 k57 k57 k

Ratios

USDY, 2017

Financial Leverage

14.3 x
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