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Company Analysis

Carver Bancorp, Inc. CARV

A comprehensive view of key metrics, scores, and financial health for Carver Bancorp, Inc.

Overview of Carver Bancorp, Inc.

CARV OQB
Financial Services Banks - Regional Micro Cap
Carver Bancorp, Inc. (CARV), is a Micro Cap company, in the Banks - Regional industry, last closed at $1.74, about 41.4% overvalued vs fair value, +29.9% 1Y return, ranked 990/1037 in sector.
Metrics Rev Growth -24.1% ROE -38.2%
$1.74
-1.69%
As of April 28, 2026
Previous close • Vol 90d: 110.8%
52-Week Range
Market Cap
$9.36M
Enterprise Value
$3.69M
Overall Score
View breakdown
Overall
Growth
Weak
Profitability
Weak
Health
Weak
Efficiency
Fair
Valuation
Weak
Growth
Weak
Profitability
Weak
Health
Weak
Efficiency
Fair
Valuation
Weak
Completeness: 70%
Confidence: 77%
Updated: Mar 8
Top Beats
No strong beats yet

Quick Facts

Website https://www.carverbank.com
HQ New York, NY
Employees 96
Fiscal year Mar 31

Next Events

No upcoming events available.

Fair Value Snapshot

Bear Base Bull
$1
$1
$2
Current: $1.74 -41% vs base

Engine Room Money Flow™

Micro Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$34.3M
0.8%%
Interest Expense
$15.1M
Net Interest Income
$19.2M
-15.1%%
Total Revenue
$22.2M
-24.1%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
-175.2%
Poor

Net Income / Equity - key bank profitability metric

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Where It Leaks

Cash Flow Health healthy
Strong cash conversion with minimal leakage across profit-to-cash-to-value chain.
0
Active Leaks
0/0
Improving
0
High Impact
0
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating Carver Bancorp, Inc.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
14
/100
Weak
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Weak
2
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 82% Coverage
Trade-Off Triangle Visualization A ternary plot showing CARV's balance between Growth (8.0%), Profitability (19.2%), and Safety (72.7%). Growth 8% Safety 73% Profitability 19%

Click axes to expand details. Marker shows current allocation.

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Growth

5th percentile vs peers
5
Key Signals
Asset Growth YoY -3.5% 8p NII Growth YoY -15.1% 5p EPS Growth YoY -3.32 3p Equity Growth YoY -61.9% 1p
Strengths
  • Financial Leverage in top 20% of peers (52.32, 99th percentile)
  • D/E Ratio in top 20% of peers (98.4%, 83th percentile)
  • Conservative leverage compared to industry peers
Risks
  • Growth in bottom 20% of peers (percentile: 5)
  • Asset Growth YoY in bottom 20% of peers (-3.5%)
  • NII Growth YoY in bottom 20% of peers (-15.1%)
  • EPS Growth YoY in bottom 20% of peers (-3.32)

Profitability

12th percentile vs peers
12
Key Signals
Strengths
Risks
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Safety

45th percentile vs peers
46
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Carver Bancorp, Inc..

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

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  • Shell companies or holding companies
  • Companies that haven't filed recent financials
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Bear
-
- - -
- upside
-
Base
$1.02
- - -
-41.4% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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