Carver Stock Buy Hold or Sell Recommendation

CARV
 Stock
  

USD 4.03  0.05  1.26%   

Given the investment horizon of 90 days and your above-average risk tolerance, our recommendation regarding Carver Bancorp is 'Strong Sell'. Macroaxis provides Carver Bancorp buy-hold-or-sell recommendation only in the context of selected investment horizon and investor attitude towards risk assumed by holding CARV positions. The advice algorithm takes into account all of Carver Bancorp's available fundamental, technical, and predictive indicators you will find on this site.
  
The advice is provided from Carver Bancorp's buy-and-hold perspective. Continue to Carver Bancorp Analyst Recommendation to compare Macroaxis Buy or Sell Recommendation with the current analyst consensus. To check ratings for multiple equity instruments, please use the Instant Ratings tool. We conduct extensive research on individual companies such as Carver and provide practical buy, sell, or hold advice based on selected investing horizon and risk tolerance towards Carver Bancorp.

Execute Carver Bancorp Buy or Sell Advice

The Carver recommendation should be used to complement the buy-or-sell advice compiled from the current analysts' consensus on Carver Bancorp. Macroaxis does not own or have any residual interests in Carver Bancorp or other equities on which the buy-or-sell advice is provided. Please provide your input below to execute Carver Bancorp's advice using the current market data and latest reported fundamentals.

Time Horizon

Risk Tolerance

Execute Advice
Sell Carver BancorpBuy Carver Bancorp
Strong Sell

Volatility

Details

Hype Condition

Details

Current Valuation

Details

Odds of Distress

Details

Economic Sensitivity

Details

Analyst Consensus

Not Available
Details

Reporting Quality (M-Score)

Details
For the selected time horizon Carver Bancorp has a Mean Deviation of 2.88, Standard Deviation of 3.67 and Variance of 13.44
We provide trade advice to complement the prevailing expert consensus on Carver Bancorp. Our dynamic recommendation engine uses a multidimensional algorithm to analyze the company's potential to grow using all technical and fundamental data available at the time. To make sure Carver Bancorp is not overpriced, please confirm all Carver Bancorp fundamentals, including its revenue, as well as the relationship between the total debt and number of employees . Given that Carver Bancorp has a shares owned by institutions of 14.00 %, we suggest you to validate Carver Bancorp market performance and probability of bankruptcy to ensure the company can sustain itself in the current economic cycle given your prevailing risk tolerance and investing horizon.

Carver Bancorp Trading Alerts and Improvement Suggestions

Carver Bancorp generated a negative expected return over the last 90 days
Carver Bancorp has high historical volatility and very poor performance
Carver Bancorp currently holds about 43.38 M in cash with (3.34 M) of positive cash flow from operations. This results in cash-per-share (CPS) ratio of 10.27, which can makes it an attractive takeover target, given it will continue generating positive cash flow.

Carver Bancorp Returns Distribution Density

The distribution of Carver Bancorp's historical returns is an attempt to chart the uncertainty of Carver Bancorp's future price movements. The chart of the probability distribution of Carver Bancorp stock daily returns describes the distribution of returns around its average expected value. We use Carver Bancorp price's Value At Risk and its Upside Potential as a relative measure of the distribution. The graph of the distribution of Carver Bancorp returns is essential to provide solid investment advice for Carver Bancorp.
Mean Return-0.36Value At Risk-5.74
Potential Upside5.59Standard Deviation3.67
   Return Density   
       Distribution  
Investment risk management requires an estimate of the probability of extreme price changes. Therefore, the correct representation of the distribution of Carver Bancorp historical returns presented in an easy-to-digest graphical form helps investors and money managers understand the risk-reward trade-off of different investement strategies.

Carver Stock Institutional Investors

Have you ever been surprised when a price of an equity instrument such as Carver Bancorp is soaring high without any particular reason? This is usually happening because many institutional investors are aggressively trading Carver Bancorp backward and forwards among themselves. Carver Bancorp's institutional investor refers to the entity that pools money to purchase Carver Bancorp's securities or originate loans. Institutional investors include commercial and private banks, credit unions, insurance companies, pension funds, hedge funds, endowments, and mutual funds. Operating companies that invest excess capital in these types of assets may also be included in the term and may influence corporate governance by exercising voting rights in their investments.
Security TypeSharesValue
Wells Fargo CompanyCommon Shares157.8 K909 K
Wells Fargo CompanyCommon Shares157.8 K1.1 M
Wells Fargo CompanyCommon Shares157.8 K1.4 M
Wells Fargo CompanyCommon Shares157.8 K2.8 M
Wells Fargo CompanyCommon Shares157.8 K1.6 M
Wells Fargo CompanyCommon Shares157.8 K1.4 M
Wells Fargo CompanyCommon Shares6.00.0
Note, although Carver Bancorp's institutional investors appear to be way more sophisticated than retail investors, it remains unclear if professional active investment managers can reliably enhance risk-adjusted returns by an amount that exceeds fees and expenses.

Carver Bancorp Greeks

Most traded equities are subject to two types of risk - systematic (i.e., market) and unsystematic (i.e., nonmarket or company-specific) risk. Unsystematic risk is the risk that events specific to Carver Bancorp or Financial Services sector will adversely affect the stock's price. This type of risk can be diversified away by owning several different stocks in different industries whose stock prices have shown a small correlation to each other. On the other hand, systematic risk is the risk that Carver Bancorp's price will be affected by overall stock market movements and cannot be diversified away. So, no matter how many positions you have, you cannot eliminate market risk. However, you can measure a Carver stock's historical response to market movements and buy it if you are comfortable with its volatility direction. Beta and standard deviation are two commonly used measures to help you make the right decision.
α
Alpha over DOW
-0.39
β
Beta against DOW0.35
σ
Overall volatility
3.55
Ir
Information ratio -0.12

Carver Bancorp Volatility Alert

Carver Bancorp exhibits very low volatility with skewness of 0.37 and kurtosis of -0.01. However, we advise investors to further study Carver Bancorp technical indicators to ensure that all market info is available and is reliable. Understanding different market volatility trends often help investors to time the market. Properly using volatility indicators enable traders to measure Carver Bancorp's stock risk against market volatility during both bullish and bearish trends. The higher level of volatility that comes with bear markets can directly impact Carver Bancorp's stock price while adding stress to investors as they watch their shares' value plummet. This usually forces investors to rebalance their portfolios by buying different stocks as prices fall.

Carver Bancorp Fundamentals Vs Peers

Comparing Carver Bancorp's fundamentals to the average values of its peers is one of the most widely used and accepted methods of equity analyses. It helps to analyze Carver Bancorp's direct or indirect competition across all of the common fundamentals between Carver Bancorp and the related equities. This way, we can detect undervalued stocks with similar characteristics as Carver Bancorp or determine the stocks which would be an excellent addition to an existing portfolio. Peer analysis of Carver Bancorp's fundamental indicators could also be used in its relative valuation, which is a method of valuing Carver Bancorp by comparing valuation metrics with those of similar companies.
    
 Better Than Average     
    
 Worse Than Average Compare Carver Bancorp to competition
FundamentalsCarver BancorpPeer Average
Return On Equity2.06 %(0.31) %
Return On Asset0.15 %(0.14) %
Profit Margin3.82 %(1.27) %
Operating Margin(2.45) %(5.51) %
Current Valuation40.91 M16.62 B
Shares Outstanding3.5 M571.82 M
Shares Owned by Insiders1.42 %10.09 %
Shares Owned by Institutions14.00 %39.21 %
Number of Shares Shorted53.7 K4.71 M
Price to Earning14.54 X28.72 X
Price to Book0.42 X9.51 X
Price to Sales0.51 X11.42 X
Revenue27.55 M9.43 B
Gross Profit27.22 M27.38 B
EBITDA5.18 M3.9 B
Net Income1.05 M570.98 M
Cash and Equivalents43.38 M2.7 B
Cash per Share10.27 X5.01 X
Total Debt39.73 M5.32 B
Debt to Equity12.68 %48.70 %
Book Value Per Share9.43 X1.93 K
Cash Flow from Operations(3.34 M)971.22 M
Short Ratio2.11 X4.00 X
Earnings Per Share(1.34) X3.12 X
Number of Employees10918.84 K
Beta1.33-0.15
Market Capitalization13.93 M19.03 B
Total Asset741.73 M29.47 B
Retained Earnings(50.69 M)9.33 B
Last Dividend Paid0.38
   Carver Bancorp exotic insider transaction detected [view details]

Carver Bancorp Market Momentum

Traders often use several daily momentume indicators to supplement a more traditional technical analysis when analyzing securities such as Carver . With many different options, investors must choose the best indicators for them and familiarize themselves with how they work. We suggest combining traditional momentum indicators with more near-term forms of technical analysis such as Accumulation Distribution or Daily Balance Of Power. With their quantitative nature, daily value technical indicators can also be incorporated into your automated trading systems.

About Carver Bancorp Buy or Sell Advice

When is the right time to buy or sell Carver Bancorp? Buying financial instruments such as Carver Stock isn't very hard. However, what challenging for most investors is doing it at the right time to beat the market. Proper market timing is something most people cannot do without sophisticated tools, which help to isolate the right opportunities. Macroaxis provides hands-on modules to deliver winning trades and diversify your portfolios on a daily basis. Most of our advising modules are very easy to use and apply.
Please read more on our stock advisor page.

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Recycling
Recycling Theme
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Continue to Carver Bancorp Analyst Recommendation to compare Macroaxis Buy or Sell Recommendation with the current analyst consensus. To check ratings for multiple equity instruments, please use the Instant Ratings tool. You can also try Insider Screener module to find insiders across different sectors to evaluate their impact on performance.

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Is Carver Bancorp's industry expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Carver Bancorp. If investors know Carver will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Carver Bancorp listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Market Capitalization
16.8 M
Quarterly Revenue Growth YOY
(0.16) 
Return On Assets
(0.0014) 
Return On Equity
(0.0193) 
The market value of Carver Bancorp is measured differently than its book value, which is the value of Carver that is recorded on the company's balance sheet. Investors also form their own opinion of Carver Bancorp's value that differs from its market value or its book value, called intrinsic value, which is Carver Bancorp's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Carver Bancorp's market value can be influenced by many factors that don't directly affect Carver Bancorp's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between Carver Bancorp's value and its price as these two are different measures arrived at by different means. Investors typically determine Carver Bancorp value by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Carver Bancorp's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.