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Carver Bancorp vs Provident Financial Services: revenue, profit, margins and growth compared

Carver Bancorp brought in $3M of revenue in fiscal 2025, Provident Financial Services $73.1M in fiscal 2025. Revenue changed by +1.5% at Carver Bancorp and +7.1% at Provident Financial Services on the year before, so Provident Financial Services grew faster. Carver Bancorp kept -457.7% of its revenue as net profit, Provident Financial Services 398.3%. Free cash flow was -$12.9M at Carver Bancorp and $430.7M at Provident Financial Services.

Side by side, latest fiscal year

CARVPFS
Fiscal year endedFY2025 (March 31, 2025)FY2025 (December 31, 2025)
Revenue$3M$73.1M
Revenue growth+1.5%+7.1%
Net income-$13.7M$291.2M
Net margin-457.7%398.3%
Free cash flow-$12.9M$430.7M
Free cash flow margin-430.9%589.2%
Earnings per share (diluted)-$2.65$2.23
Cash$50.3M$209.1M
Debt$20.2Mn/a
Price to earningsn/a10.1
Market value$8M$2.9B
Dividend yieldn/a4.26%
Rank by revenue in sector#488 of 536 · Finance#368 of 536 · Finance

Over the years

Revenue
CARV FY2018: $0CARV FY2021: $4.2MCARV FY2022: $5MCARV FY2023: $2.9MCARV FY2024: $3MCARV FY2025: $3MPFS FY2018: $37.3MPFS FY2019: $41.4MPFS FY2020: $45.5MPFS FY2021: $57.6MPFS FY2022: $55MPFS FY2023: $57.5MPFS FY2024: $68.3MPFS FY2025: $73.1MFY18FY19FY20FY21FY22FY23FY24FY25
CARV $3MPFS $73.1M
Net income
CARV FY2018: $5.4MCARV FY2019: -$5.9MCARV FY2020: -$5.4MCARV FY2021: -$3.9MCARV FY2022: -$847KCARV FY2023: -$4.4MCARV FY2024: -$3MCARV FY2025: -$13.7MPFS FY2018: $118.4MPFS FY2019: $112.6MPFS FY2020: $97MPFS FY2021: $167.9MPFS FY2022: $175.6MPFS FY2023: $128.4MPFS FY2024: $115.5MPFS FY2025: $291.2MFY18FY19FY20FY21FY22FY23FY24FY25
CARV -$13.7MPFS $291.2M
Net margin
CARV FY2021: -92.7%CARV FY2022: -17.0%CARV FY2023: -151.8%CARV FY2024: -100.6%CARV FY2025: -457.7%PFS FY2018: 317.5%PFS FY2019: 272.4%PFS FY2020: 212.9%PFS FY2021: 291.7%PFS FY2022: 319.4%PFS FY2023: 223.2%PFS FY2024: 169.2%PFS FY2025: 398.3%FY18FY19FY20FY21FY22FY23FY24FY25
CARV -457.7%PFS 398.3%
Revenue growth
CARV FY2022: +18.5%CARV FY2023: -41.8%CARV FY2024: +2.0%CARV FY2025: +1.5%PFS FY2019: +10.9%PFS FY2020: +10.1%PFS FY2021: +26.4%PFS FY2022: -4.5%PFS FY2023: +4.6%PFS FY2024: +18.7%PFS FY2025: +7.1%FY19FY20FY21FY22FY23FY24FY25
CARV +1.5%PFS +7.1%
Free cash flow
CARV FY2018: -$6.6MCARV FY2019: -$11.6MCARV FY2020: -$1.3MCARV FY2021: $2MCARV FY2022: $7MCARV FY2023: -$10.7MCARV FY2024: -$6.9MCARV FY2025: -$12.9MPFS FY2018: $152.6MPFS FY2019: $132MPFS FY2020: $90.5MPFS FY2021: $143MPFS FY2022: $190.9MPFS FY2023: $165.9MPFS FY2024: $425.1MPFS FY2025: $430.7MFY18FY19FY20FY21FY22FY23FY24FY25
CARV -$12.9MPFS $430.7M

Fiscal years as each company reports them; the two may end in different months.

Questions about Carver Bancorp and Provident Financial Services

Which is bigger by revenue, Carver Bancorp or Provident Financial Services?

Provident Financial Services is bigger by revenue: $73.1M in fiscal 2025, against $3M for Carver Bancorp in fiscal 2025.

Which keeps more of its revenue as profit, Carver Bancorp or Provident Financial Services?

Carver Bancorp had a net margin of -457.7% in fiscal 2025; Provident Financial Services had 398.3% in fiscal 2025.

Which grew revenue faster, Carver Bancorp or Provident Financial Services?

In their latest fiscal years revenue changed by +1.5% at Carver Bancorp and +7.1% at Provident Financial Services.

Where do these numbers come from?

From the annual reports each company files with the SEC (10-K, or 20-F and 40-F for foreign companies), read from their XBRL data. Margins and growth are simple arithmetic on those figures. Nothing here is a recommendation.

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