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Carver Bancorp Inc (CARV)

Upturn stock ratingUpturn stock rating
$2.38
Last Close (24-hour delay)
Profit since last BUY-18.77%
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Upturn Advisory Summary

09/15/2025: CARV (1-star) has a low Upturn Star Rating. Not recommended to BUY.

Upturn Star Rating

rating

Not Recommended Performance

These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.

Analysis of Past Performance

Type Stock
Historic Profit -57.55%
Avg. Invested days 27
Today’s Advisory Consider higher Upturn Star rating
Upturn Star Rating Upturn stock ratingUpturn stock rating
Upturn Advisory Performance Upturn Advisory Performance 1.0
Stock Returns Performance Upturn Returns Performance 1.0
Upturn Profits based on simulationUpturn Profits based on simulation Profits based on simulation
Upturn Profits based on simulationUpturn Profits based on simulation Last Close 09/15/2025

Key Highlights

Company Size Small-Cap Stock
Market Capitalization 8.58M USD
Price to earnings Ratio -
1Y Target Price -
Price to earnings Ratio -
1Y Target Price -
Volume (30-day avg) -
Beta 1.19
52 Weeks Range 1.30 - 2.20
Updated Date 06/29/2025
52 Weeks Range 1.30 - 2.20
Updated Date 06/29/2025
Dividends yield (FY) -
Basic EPS (TTM) -2.65

Earnings Date

Report Date -
When -
Estimate -
Actual -

Profitability

Profit Margin -65.31%
Operating Margin (TTM) -69.3%

Management Effectiveness

Return on Assets (TTM) -1.85%
Return on Equity (TTM) -38.24%

Valuation

Trailing PE -
Forward PE -
Enterprise Value 9055795
Price to Sales(TTM) 0.41
Enterprise Value 9055795
Price to Sales(TTM) 0.41
Enterprise Value to Revenue 2.68
Enterprise Value to EBITDA -
Shares Outstanding 5109730
Shares Floating 4187146
Shares Outstanding 5109730
Shares Floating 4187146
Percent Insiders 23.1
Percent Institutions 11.48

ai summary icon Upturn AI SWOT

Carver Bancorp Inc

stock logo

Company Overview

overview logo History and Background

Carver Bancorp, Inc. is the holding company for Carver Federal Savings Bank, founded in 1948. It's a federally chartered savings bank committed to serving African-American communities in the New York City area. It has evolved from a savings and loan association to a full-service commercial bank.

business area logo Core Business Areas

  • Retail Banking: Provides deposit accounts (checking, savings, money market), debit cards, and ATM services to individuals and families.
  • Commercial Banking: Offers commercial real estate loans, small business loans, lines of credit, and other banking services to businesses and non-profits.
  • Mortgage Lending: Originates residential mortgages for home purchases and refinancings.

leadership logo Leadership and Structure

Michael T. Pugh serves as the President and Chief Executive Officer. The organization has a board of directors overseeing its operations and strategic direction.

Top Products and Market Share

overview logo Key Offerings

  • Commercial Real Estate Loans: Loans secured by commercial properties, primarily in underserved communities. Market share data specific to Carver is limited but they are a significant player in their niche. Competitors include larger regional and national banks with community development initiatives, as well as smaller community banks.
  • Small Business Loans: Loans to small businesses operating in the New York City area. Market share data is not readily available. Competitors include online lenders, credit unions, and other local banks such as New York Community Bank (NYCB) and Valley National Bancorp (VLY).
  • Residential Mortgages: Mortgages for purchasing and refinancing homes. Competitors are Chase (JPM), Wells Fargo (WFC), and local mortgage brokers.

Market Dynamics

industry overview logo Industry Overview

The banking industry is highly regulated and competitive. Community banks like Carver face challenges from larger institutions and fintech companies. Interest rate fluctuations and economic conditions significantly impact profitability.

Positioning

Carver Bancorp Inc. is a community-focused bank specializing in serving underserved communities. Its competitive advantage lies in its deep understanding of the local market and its commitment to community development.

Total Addressable Market (TAM)

The total addressable market for community banking in the New York City area is substantial, estimated at several billion dollars. Carver's market position is relatively small but focused on a specific niche, potentially giving it a competitive edge in that sector.

Upturn SWOT Analysis

Strengths

  • Strong community ties
  • Deep understanding of local market
  • Focus on underserved communities
  • Experienced management team
  • Mission-driven banking

Weaknesses

  • Limited geographic footprint
  • Smaller asset base compared to larger banks
  • Dependence on interest rate environment
  • Limited product offerings
  • High concentration of loans in commercial real estate

Opportunities

  • Expansion of digital banking services
  • Increased investment in community development initiatives
  • Partnerships with fintech companies
  • Attracting deposits from underserved communities
  • Government support for minority-owned businesses

Threats

  • Increased competition from larger banks and fintech companies
  • Economic downturn affecting loan performance
  • Rising interest rates
  • Regulatory changes
  • Cybersecurity risks

Competitors and Market Share

competitor logo Key Competitors

  • NYCB
  • VLY
  • TCBI
  • BFIN

Competitive Landscape

Carver Bancorp Inc. competes with larger regional banks and smaller community banks. Its focus on underserved communities differentiates it, but it faces challenges from competitors with greater resources and wider product offerings.

Growth Trajectory and Initiatives

Historical Growth: Historical growth data requires real-time updates and access to financial terminals. Please refer to the most recent Carver Bancorp Inc. (CARV) financial statements for accurate data.

Future Projections: Future projections require real-time updates and access to financial terminals. Please refer to analyst reports for Carver Bancorp Inc. (CARV).

Recent Initiatives: Recent initiatives require constant updates. Review official press releases on Carver Bancorp Inc.'s investor relations web page.

Summary

Carver Bancorp Inc is a small community-focused bank that plays a vital role in serving underserved communities. Its strength lies in its local expertise and mission-driven approach. Challenges include competition from larger banks and economic volatility. The company needs to continue innovating its services and expanding its reach to grow effectively. Careful management of loan quality is crucial for its long-term stability.

Peer Comparison

Sources and Disclaimers

Data Sources:

  • Company filings (SEC)
  • Market research reports
  • Financial news sources
  • Analyst reports

Disclaimers:

The information provided is for informational purposes only and should not be considered financial advice. Market share estimates are approximate and may vary based on the source. Financial data requires real-time updates and access to financial terminals, the information provided may be outdated.

Upturn AI SummarizationUpturn AI Summarization AI Summarization is directionally correct and might not be accurate.

Upturn AI SummarizationUpturn AI Summarization Summarized information shown could be a few years old and not current.

Upturn AI SummarizationUpturn AI Summarization Fundamental Rating based on AI could be based on old data.

Upturn AI SummarizationUpturn AI Summarization AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.

About Carver Bancorp Inc

Exchange NASDAQ
Headquaters New York, NY, United States
IPO Launch date 1994-08-16
President, CEO & Director Mr. Donald Felix
Sector Financial Services
Industry Banks - Regional
Full time employees 109
Full time employees 109

Carver Bancorp, Inc. operates as the holding company for Carver Federal Savings Bank that provides consumer and commercial banking services for consumers, businesses, non-profit organizations, and governmental and quasi-governmental agencies primarily in New York. It accepts various deposit products, including demand, savings, and time deposits; passbook and statement accounts, and certificates of deposit; and individual retirement accounts. The company provides lending products, such as one-to-four family residential, multifamily real estate, and commercial real estate lending; and construction and business loans. In addition, it offers other consumer and commercial banking products and services, including debit cards, online account opening and banking, online bill pay, and telephone banking, as well as check cashing, wire transfers, bill payment, reloadable prepaid card, and money order services. Carver Bancorp, Inc. was founded in 1948 and is headquartered in New York, New York.