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CARV logo CARV
Upturn stock ratingUpturn stock rating
CARV logo

Carver Bancorp Inc (CARV)

Upturn stock ratingUpturn stock rating
$1.73
Last Close (24-hour delay)
Profit since last BUY5.49%
upturn advisory
Consider higher Upturn Star rating
BUY since 13 days
  • BUY Advisory
  • SELL Advisory (Profit)​
  • SELL Advisory (Loss)​
  • Profit
  • Loss
  • Pass (Skip investing)
Upturn Stock infoUpturn Stock info Stock price based on last close
*as per simulation
(see disclosures)
Time period over
  • ALL
  • YEAR
  • MONTH
  • WEEK

Upturn Advisory Summary

06/30/2025: 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.

Number of Analysts

rating

Analysts rated it

Very few follow this stock; limited insights, higher-risk early investing.

1 Year Target Price $0

1 Year Target Price $0

Analysts Price Target For last 52 week
$0Target price
Low$
Current$1.73
high$

Analysis of Past Performance

Type Stock
Historic Profit -57.35%
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 06/30/2025

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

Analyst Ratings

Rating -
Target Price -
Buy -
Strong Buy -
Buy -
Strong Buy -
Hold -
Sell -
Strong Sell -
Strong Sell -

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, 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.

business area logo 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 logo 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

overview logo 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 logo 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

competitor logo 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.

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.