Carver Interest Expense vs Operating Income Analysis

CARV Stock

USD 1.82 0.03 1.62%

Carver Bancorp financial indicator trend analysis is way more than just evaluating Carver Bancorp prevailing accounting drivers to predict future trends. We encourage investors to analyze account correlations over time for multiple indicators to determine whether Carver Bancorp is a good investment. Please check the relationship between Carver Bancorp Interest Expense and its Operating Income accounts. Check out Trending Equities to better understand how to build diversified portfolios, which includes a position in Carver Bancorp. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in metropolitan statistical area.

For more information on how to buy Carver Stock please use our How to Invest in Carver Bancorp guide.

Interest Expense vs Operating Income

Interest Expense vs Operating Income Correlation Analysis

The overlapping area represents the amount of trend that can be explained by analyzing historical patterns of Carver Bancorp Interest Expense account and Operating Income. At this time, the significance of the direction appears to have weak contrarian relationship.

The correlation between Carver Bancorp's Interest Expense and Operating Income is -0.08. Overlapping area represents the amount of variation of Interest Expense that can explain the historical movement of Operating Income in the same time period over historical financial statements of Carver Bancorp, assuming nothing else is changed. The correlation between historical values of Carver Bancorp's Interest Expense and Operating Income is a relative statistical measure of the degree to which these accounts tend to move together. The correlation coefficient measures the extent to which Interest Expense of Carver Bancorp are associated (or correlated) with its Operating Income. Values of the correlation coefficient range from -1 to +1, where. The correlation of zero (0) is possible when Operating Income has no effect on the direction of Interest Expense i.e., Carver Bancorp's Interest Expense and Operating Income go up and down completely randomly.

Correlation Coefficient

-0.08

Relationship Direction	Negative
Relationship Strength	Insignificant

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Interest Expense

The cost incurred by an entity for borrowed funds, including loans, bonds, or lines of credit.

Operating Income

Operating Income is the amount of profit realized from Carver Bancorp operations after accounting for operating expenses such as cost of goods sold (COGS), wages and depreciation. Operating income takes the gross income and subtracts other operating expenses and then removes depreciation. Operating Income of Carver Bancorp is typically a synonym for earnings before interest and taxes (EBIT) and is also commonly referred to as operating profit or recurring profit. Earnings before interest and taxes (EBIT), representing the amount of profit a company generates from its operations.

Most indicators from Carver Bancorp's fundamental ratios are interrelated and interconnected. However, analyzing fundamental ratios indicators one by one will only give a small insight into Carver Bancorp current financial condition. On the other hand, looking into the entire matrix of fundamental ratios indicators, and analyzing their relationships over time can provide a more complete picture of the company financial strength now and in the future. Check out Trending Equities to better understand how to build diversified portfolios, which includes a position in Carver Bancorp. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in metropolitan statistical area.

For more information on how to buy Carver Stock please use our How to Invest in Carver Bancorp guide.Selling General Administrative is likely to drop to about 11.6 M in 2025. Issuance Of Capital Stock is likely to drop to about 855 K in 2025

	2022	2023	2024	2025 (projected)
Gross Profit	27.7M	29.2M	33.6M	25.4M
Total Revenue	26.4M	29.2M	33.6M	25.3M

Gross Profit Total Revenue

Carver Bancorp fundamental ratios Correlations

	Total Assets	Short Long Term Debt Total	Total Current Liabilities	Total Stockholder Equity	Property Plant And Equipment Net	Net Debt	Retained Earnings	Cash	Non Current Assets Total	Non Currrent Assets Other	Cash And Short Term Investments	Net Receivables	Common Stock Shares Outstanding	Non Current Liabilities Total	Other Current Assets	Other Stockholder Equity	Total Liab	Property Plant And Equipment Gross	Total Current Assets	Short Term Debt	Other Liab	Accounts Payable	Other Assets	Long Term Debt	Common Stock Total Equity	Short Term Investments
Total Assets		0.08	0.38	0.44	0.29	-0.2	-0.69	0.36	0.5	0.41	0.08	0.31	0.75	0.48	-0.62	0.57	0.58	0.51	-0.64	-0.25	0.72	-0.28	0.12	0.34	0.72	0.17
Short Long Term Debt Total	0.08		0.33	0.01	-0.43	0.52	0.11	0.2	0.19	-0.02	0.21	0.01	0.0	-0.05	-0.08	-0.47	0.26	-0.31	-0.1	0.57	-0.27	0.61	0.2	0.59	-0.05	0.04
Total Current Liabilities	0.38	0.33		-0.27	0.0	0.34	-0.13	-0.14	0.96	0.81	-0.28	0.15	0.53	0.77	-0.08	0.15	0.35	0.44	0.05	0.02	0.33	0.43	-0.6	0.2	-0.04	-0.4
Total Stockholder Equity	0.44	0.01	-0.27		0.17	-0.57	-0.56	0.65	-0.14	-0.22	0.72	0.0	0.28	-0.13	-0.72	0.23	0.11	-0.03	-0.62	0.15	-0.1	-0.4	0.55	0.22	0.65	0.81
Property Plant And Equipment Net	0.29	-0.43	0.0	0.17		-0.33	-0.27	0.04	0.11	0.12	-0.08	0.04	0.33	0.19	-0.14	0.55	-0.45	0.73	0.03	-0.55	0.36	-0.36	-0.14	-0.19	0.2	0.04
Net Debt	-0.2	0.52	0.34	-0.57	-0.33		0.41	-0.71	0.16	0.08	-0.5	-0.01	-0.13	0.0	0.44	-0.42	0.08	-0.12	0.42	0.06	0.01	0.65	-0.18	0.2	-0.45	-0.58
Retained Earnings	-0.69	0.11	-0.13	-0.56	-0.27	0.41		-0.39	-0.24	-0.11	-0.35	0.15	-0.7	-0.15	0.93	-0.35	-0.24	-0.22	0.76	0.31	-0.36	0.32	-0.39	-0.27	-0.9	-0.51
Cash	0.36	0.2	-0.14	0.65	0.04	-0.71	-0.39		-0.05	-0.12	0.73	0.08	0.13	-0.05	-0.56	0.09	0.15	-0.12	-0.56	0.39	-0.15	-0.25	0.37	0.25	0.55	0.69
Non Current Assets Total	0.5	0.19	0.96	-0.14	0.11	0.16	-0.24	-0.05		0.91	-0.24	0.25	0.68	0.9	-0.18	0.4	0.38	0.56	-0.1	-0.02	0.41	0.16	-0.65	0.23	0.07	-0.28
Non Currrent Assets Other	0.41	-0.02	0.81	-0.22	0.12	0.08	-0.11	-0.12	0.91		-0.34	0.42	0.66	0.99	-0.01	0.59	0.36	0.61	-0.11	-0.05	0.43	-0.13	-0.78	0.12	-0.06	-0.36
Cash And Short Term Investments	0.08	0.21	-0.28	0.72	-0.08	-0.5	-0.35	0.73	-0.24	-0.34		-0.1	0.07	-0.31	-0.51	-0.18	-0.12	-0.42	-0.32	0.3	-0.37	-0.1	0.45	0.16	0.48	0.78
Net Receivables	0.31	0.01	0.15	0.0	0.04	-0.01	0.15	0.08	0.25	0.42	-0.1		0.13	0.45	0.2	0.35	0.21	0.22	-0.01	0.13	0.22	-0.3	-0.38	-0.01	-0.02	-0.16
Common Stock Shares Outstanding	0.75	0.0	0.53	0.28	0.33	-0.13	-0.7	0.13	0.68	0.66	0.07	0.13		0.68	-0.6	0.67	0.37	0.62	-0.56	-0.36	0.59	-0.31	-0.16	0.27	0.52	0.08
Non Current Liabilities Total	0.48	-0.05	0.77	-0.13	0.19	0.0	-0.15	-0.05	0.9	0.99	-0.31	0.45	0.68		-0.06	0.67	0.35	0.66	-0.16	-0.06	0.46	-0.21	-0.75	0.16	-0.01	-0.29
Other Current Assets	-0.62	-0.08	-0.08	-0.72	-0.14	0.44	0.93	-0.56	-0.18	-0.01	-0.51	0.2	-0.6	-0.06		-0.23	-0.3	-0.09	0.81	0.0	-0.17	0.25	-0.48	-0.45	-0.89	-0.7
Other Stockholder Equity	0.57	-0.47	0.15	0.23	0.55	-0.42	-0.35	0.09	0.4	0.59	-0.18	0.35	0.67	0.67	-0.23		0.21	0.8	-0.4	-0.38	0.62	-0.77	-0.33	0.05	0.22	0.04
Total Liab	0.58	0.26	0.35	0.11	-0.45	0.08	-0.24	0.15	0.38	0.36	-0.12	0.21	0.37	0.35	-0.3	0.21		0.14	-0.51	0.22	0.47	-0.02	0.07	0.37	0.28	-0.03
Property Plant And Equipment Gross	0.51	-0.31	0.44	-0.03	0.73	-0.12	-0.22	-0.12	0.56	0.61	-0.42	0.22	0.62	0.66	-0.09	0.8	0.14		-0.07	-0.46	0.69	-0.32	-0.45	-0.04	0.05	-0.26
Total Current Assets	-0.64	-0.1	0.05	-0.62	0.03	0.42	0.76	-0.56	-0.1	-0.11	-0.32	-0.01	-0.56	-0.16	0.81	-0.4	-0.51	-0.07		-0.1	-0.18	0.51	-0.47	-0.5	-0.74	-0.55
Short Term Debt	-0.25	0.57	0.02	0.15	-0.55	0.06	0.31	0.39	-0.02	-0.05	0.3	0.13	-0.36	-0.06	0.0	-0.38	0.22	-0.46	-0.1		-0.59	0.22	0.01	0.51	-0.15	0.35
Other Liab	0.72	-0.27	0.33	-0.1	0.36	0.01	-0.36	-0.15	0.41	0.43	-0.37	0.22	0.59	0.46	-0.17	0.62	0.47	0.69	-0.18	-0.59		-0.25	-0.18	0.06	0.34	-0.24
Accounts Payable	-0.28	0.61	0.43	-0.4	-0.36	0.65	0.32	-0.25	0.16	-0.13	-0.1	-0.3	-0.31	-0.21	0.25	-0.77	-0.02	-0.32	0.51	0.22	-0.25		-0.04	0.02	-0.31	-0.36
Other Assets	0.12	0.2	-0.6	0.55	-0.14	-0.18	-0.39	0.37	-0.65	-0.78	0.45	-0.38	-0.16	-0.75	-0.48	-0.33	0.07	-0.45	-0.47	0.01	-0.18	-0.04		0.17	0.5	0.52
Long Term Debt	0.34	0.59	0.2	0.22	-0.19	0.2	-0.27	0.25	0.23	0.12	0.16	-0.01	0.27	0.16	-0.45	0.05	0.37	-0.04	-0.5	0.51	0.06	0.02	0.17		0.3	0.41
Common Stock Total Equity	0.72	-0.05	-0.04	0.65	0.2	-0.45	-0.9	0.55	0.07	-0.06	0.48	-0.02	0.52	-0.01	-0.89	0.22	0.28	0.05	-0.74	-0.15	0.34	-0.31	0.5	0.3		0.63
Short Term Investments	0.17	0.04	-0.4	0.81	0.04	-0.58	-0.51	0.69	-0.28	-0.36	0.78	-0.16	0.08	-0.29	-0.7	0.04	-0.03	-0.26	-0.55	0.35	-0.24	-0.36	0.52	0.41	0.63

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Carver Bancorp Account Relationship Matchups

Carver Bancorp fundamental ratios Accounts

	2020	2021	2022	2023	2024	2025 (projected)
Total Assets	676.7M	735.3M	723.2M	756.8M	870.3M	668.6M
Short Long Term Debt Total	53.2M	30.3M	64.3M	57.2M	51.4M	57.1M
Total Current Liabilities	7.7M	499K	1.5M	489.5M	562.9M	591.1M
Total Stockholder Equity	52.3M	55.1M	45.2M	42.3M	48.7M	50.0M
Property Plant And Equipment Net	20.0M	17.4M	15.5M	12.4M	14.3M	12.8M
Net Debt	(22.4M)	(30.7M)	21.7M	(1.9M)	(1.7M)	(1.6M)
Retained Earnings	(42.7M)	(43.5M)	(47.9M)	(51.5M)	(46.4M)	(44.1M)
Cash	75.6M	61.0M	42.6M	59.0M	67.9M	42.3M
Non Current Assets Total	114.3M	90.3M	71.6M	694.2M	798.3M	838.2M
Non Currrent Assets Other	(114.3M)	(90.3M)	(71.6M)	681.6M	783.9M	823.1M
Cash And Short Term Investments	162.1M	128.6M	668K	59.0M	67.9M	70.0M
Net Receivables	2.6M	2.4M	1.9M	3.7M	3.3M	2.2M
Common Stock Shares Outstanding	3.4M	3.6M	4.3M	4.8M	5.6M	5.9M
Liabilities And Stockholders Equity	676.7M	735.3M	723.2M	756.8M	870.3M	668.6M
Non Current Liabilities Total	53.2M	30.3M	16.5M	714.5M	821.7M	862.7M
Other Current Assets	78.3M	63.5M	44.5M	62.7M	56.5M	53.6M
Other Stockholder Equity	72.3M	79.3M	79.9M	84.8M	97.5M	102.3M
Total Liab	53.2M	680.2M	678M	714.5M	821.7M	578.4M
Property Plant And Equipment Gross	20.0M	35.0M	34.1M	32.0M	36.8M	38.7M
Total Current Assets	164.7M	131.0M	668K	59.0M	53.1M	50.5M
Short Term Debt	2.7M	2.6M	3.0M	30.8M	27.7M	29.7M
Accumulated Other Comprehensive Income	(3.2M)	(6.7M)	(12.2M)	(12.7M)	(11.4M)	(10.9M)
Other Liab	15.0M	9.3M	14.7M	21.8M	25.0M	12.8M
Accounts Payable	7.7M	499K	1.5M	3.3M	3.0M	2.8M
Other Assets	397.7M	514.0M	650.9M	3.6M	4.1M	3.9M
Long Term Debt	37.2M	15.9M	51.1M	46.5M	41.9M	38.6M
Short Term Investments	86.5M	67.6M	53.8M	48.0M	55.2M	48.2M
Inventory	(78.3M)	(63.5M)	(46.4M)	(6.1M)	(5.5M)	(5.8M)
Intangible Assets	147K	162K	152K	140K	126K	223.6K
Common Stock	58K	67K	68K	77K	88.6K	48.8K
Property Plant Equipment	5.1M	5.4M	4.6M	17.4M	15.7M	8.0M
Other Current Liab	(7.7M)	(499K)	(1.5M)	458.7M	412.8M	218.3M
Net Tangible Assets	2.0M	3.8M	26.5M	29.2M	33.5M	35.2M
Long Term Investments	572.7M	72.9M	56.2M	50.0M	45.0M	42.8M

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