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Upturn AI SWOT - About
CARV 
Carver Bancorp Inc (CARV)
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Upturn Advisory Summary
10/21/2025: 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.
Analysis of Past Performance
Type Stock | Historic Profit -50.95% | Avg. Invested days 31 | 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 10/21/2025 |
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. was founded in 1948 and is headquartered in New York, NY. It operates as the holding company for Carver Federal Savings Bank, providing banking services to underserved communities, particularly in the New York City metropolitan area.
Core Business Areas
- Retail Banking: Offers checking and savings accounts, mortgages, personal loans, and other retail banking services.
- Commercial Banking: Provides commercial real estate loans, small business loans, and other commercial banking products.
Leadership and Structure
Michael T. Pugh serves as the President and CEO. The company has a board of directors overseeing its operations. Its organizational structure is typical of a community bank, with departments for retail banking, commercial lending, and operations.
Top Products and Market Share
Key Offerings
- Residential Mortgages: Offers mortgages primarily in the New York City area. Limited market share data available, competitors include larger national banks like JPMorgan Chase (JPM) and Wells Fargo (WFC) and other regional banks.
- Commercial Real Estate Loans: Provides financing for commercial properties in underserved communities. Limited market share data available; competitors include other regional banks and credit unions.
- Small Business Loans: Loans to small and medium businesses in the NYC area. Limited market share data available; competitors include other regional banks and online lenders.
Market Dynamics
Industry Overview
The community banking industry is facing increasing regulatory burdens, competition from larger banks and fintech companies, and pressure to adopt new technologies. Interest rate fluctuations also impact profitability.
Positioning
Carver Bancorp is a community-focused bank with a mission to serve underserved communities. This mission differentiates it from larger competitors but limits its geographic reach and scalability.
Total Addressable Market (TAM)
The TAM for community banking in the New York City metropolitan area is significant. Carver Bancorp's position is niche, focusing on specific underserved communities, giving them a smaller portion of the overall TAM.
Upturn SWOT Analysis
Strengths
- Strong community ties
- Focus on underserved markets
- Deep local market knowledge
- Mission-driven brand
Weaknesses
- Limited scale and resources
- Geographic concentration
- Higher operating costs compared to larger banks
- Reliance on interest income
Opportunities
- Expansion of digital banking services
- Strategic partnerships with fintech companies
- Increased investment in underserved communities
- Government programs supporting minority-owned businesses
Threats
- Increased competition from larger banks and fintech companies
- Economic downturns impacting loan demand
- Rising interest rates increasing borrowing costs
- Regulatory changes
Competitors and Market Share
Key Competitors
- JPM
- WFC
- MTB
Competitive Landscape
Carver Bancorp faces intense competition from larger, better-capitalized banks. Its competitive advantage lies in its community focus and deep local market knowledge.
Growth Trajectory and Initiatives
Historical Growth: Historical growth has been moderate, with fluctuations based on economic conditions and strategic initiatives.
Future Projections: Future projections are dependent on economic conditions and the success of strategic initiatives. Analyst estimates are not readily available.
Recent Initiatives: Recent initiatives include investments in technology and efforts to expand its commercial lending business.
Summary
Carver Bancorp is a small, community-focused bank serving underserved markets in New York City. Its strengths lie in its community ties and mission-driven approach, but it faces challenges from larger competitors and economic volatility. The bank needs to continue investing in technology and expanding its commercial lending business to achieve sustainable growth.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Industry Reports
- Market Data Providers
Disclaimers:
The information provided is for general informational purposes only and does not constitute financial advice. Market share data is estimated and may not be precise. Refer to official company documents for accurate financial information.
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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