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Upturn AI SWOT - About
CARV 
Carver Bancorp Inc (CARV)
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Upturn Advisory Summary
09/16/2025: 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 -57.55% | Avg. Invested days 27 | 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 09/16/2025 |
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, 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.
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 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
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
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
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.
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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