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Upturn AI SWOT - About
CARV 
Carver Bancorp Inc (CARV)
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Upturn Advisory Summary
07/03/2025: CARV (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
0 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
Analysis of Past Performance
Type Stock | Historic Profit -57.6% | Avg. Invested days 28 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  1.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 07/03/2025 |
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 |
Upturn AI SWOT
Carver Bancorp Inc
Company Overview
History and Background
Carver Bancorp, Inc. is the holding company for Carver Federal Savings Bank, a federally chartered savings bank. Founded in 1948 by African American business leaders in Harlem, New York, Carver was established to serve the African American community and provide access to banking services that were often denied to them. The bank has focused on providing financial services and promoting economic development in underserved communities.
Core Business Areas
- Retail Banking: Provides traditional banking services to individuals, including checking and savings accounts, personal loans, and mortgages.
- Commercial Banking: Offers banking solutions to businesses, including commercial loans, lines of credit, and deposit accounts.
- Community Development: Focuses on community development lending and investments in low-to-moderate income communities.
Leadership and Structure
Carver Bancorp is led by a board of directors and an executive management team. The organizational structure is typical of a small publicly traded bank holding company.
Top Products and Market Share
Key Offerings
- Residential Mortgages: Offers various mortgage products to homebuyers, particularly in the New York metropolitan area. Market share is small relative to larger national banks, but significant within its targeted communities. Competitors include larger banks like JP Morgan Chase and Wells Fargo as well as local community banks.
- Commercial Real Estate Loans: Provides financing for commercial real estate projects in underserved communities. Market share is niche-focused. Competitors are other community banks and credit unions specializing in commercial real estate lending.
- Small Business Loans: Offers loans to small businesses, primarily in the New York City area. Competitors are on-line lenders such as Kabbage and BlueVine as well as local community banks and larger national Banks with small business divisions.
Market Dynamics
Industry Overview
The banking industry is highly competitive and regulated. Trends include increasing digitalization, rising interest rates, and evolving consumer preferences. Community banks face challenges from larger institutions and fintech companies.
Positioning
Carver Bancorp is a community-focused bank that specializes in serving underserved communities, particularly in the New York metropolitan area. Its competitive advantage lies in its deep understanding of these communities and its commitment to community development.
Total Addressable Market (TAM)
The TAM is the total banking market within Carver's geographic footprint, potentially billions of dollars. Carver focuses on a smaller, underserved segment of this market. TAM for African American banking needs is growing with African American Population growth.
Upturn SWOT Analysis
Strengths
- Strong community ties and reputation
- Focus on underserved markets
- Experienced management team
- Commitment to community development
Weaknesses
- Small size and limited resources
- Concentration of operations in the New York metropolitan area
- Limited product offerings compared to larger banks
- Higher operating expenses than larger competitors
Opportunities
- Expansion into new underserved markets
- Development of new products and services tailored to the needs of underserved communities
- Strategic partnerships with other organizations
- Increased demand for community development lending
Threats
- Increased competition from larger banks and fintech companies
- Economic downturns that disproportionately impact underserved communities
- Changes in government regulations
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- JPM
- WFC
- USB
Competitive Landscape
Carver Bancorp operates in a highly competitive landscape dominated by larger banks. Its competitive advantage is its community focus and expertise in serving underserved markets. Carver Bancorp's smaller size restricts its ability to compete in terms of product breadth and technology investment.
Growth Trajectory and Initiatives
Historical Growth: Historical growth has been moderate, reflecting the challenges of operating in underserved communities and the competitive banking environment.
Future Projections: Future growth depends on Carver's ability to expand its market reach, develop new products, and manage expenses effectively. Analyst estimates would need to be retreived and inserted dynamically.
Recent Initiatives: Recent initiatives likely include efforts to increase lending to underserved communities, improve digital banking services, and enhance operational efficiency.
Summary
Carver Bancorp is a small, community-focused bank serving underserved communities. Its strengths lie in its strong community ties and commitment to community development. Carver faces challenges from larger competitors and the need to improve its financial performance. Opportunities exist to expand its market reach and develop new products.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Industry Reports
- Market Data Providers
Disclaimers:
This analysis is for informational purposes only and should not be considered investment advice. Financial data is subject to change.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
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 | Website https://www.carverbank.com |
Full time employees 109 | Website https://www.carverbank.com | ||
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.
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