Carver Stock Today

CARV
 Stock
  

USD 4.19  0.13  3.20%   

Market Performance
0 of 100
Odds Of Distress
Less than 23
Carver Bancorp is selling for under 4.19 as of the 3rd of December 2022; that is 3.20 percent increase since the beginning of the trading day. The stock's lowest day price was 4.11. Carver Bancorp has about a 23 % chance of experiencing some form of financial distress in the next two years of operation but has generated negative returns over the last 90 days. Equity ratings for Carver Bancorp are calculated daily based on our scoring framework. The performance scores are derived for the period starting the 13th of December 2020 and ending today, the 3rd of December 2022. Click here to learn more.
CUSIP
146875109
Fiscal Year End
March
Business Domain
Banks
IPO Date
16th of August 1994
Category
Financial Services
Classification
Financials
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. The company has 4.23 M outstanding shares of which 54.79 K shares are currently shorted by private and institutional investors with about 2.19 trading days to cover. More on Carver Bancorp

Moving together with Carver Bancorp

+0.7FRCFirst Republic Bank Fiscal Year End 13th of January 2023 PairCorr
Follow Valuation Odds of Bankruptcy
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Carver Bancorp Stock Highlights

Most reasonable investors view market volatility as an opportunity to invest at a favorable price or to sell short against a bearish trend. Carver Bancorp's investment highlights are automatically generated signals that are significant enough to either complement your investing judgment regarding Carver Bancorp or challenge it. These highlights can help you better understand the position you are entering and avoid costly mistakes.
Carver Bancorp generated a negative expected return over the last 90 days
Carver Bancorp has high historical volatility and very poor performance
The company reported the previous year's revenue of 27.82 M. Net Loss for the year was (847 K) with profit before overhead, payroll, taxes, and interest of 27.22 M.
CEO and PresMichael Pugh
Fama & French Classification
Macroaxis Advice
Unlike general analyst consensus, Macroaxis buy hold or sell recommendation is provided in the context of your current investment horizon and risk tolerance. The advice algorithm takes into account all of Carver Bancorp's available fundamental, technical, and predictive indicators. Your current horizon is 90 days - details
Carver Bancorp (CARV) is traded on NASDAQ Exchange in USA and employs 110 people. Carver Bancorp is listed under Thrifts & Mortgage Finance category by Fama And French industry classification. The company currently falls under 'Micro-Cap' category with current market capitalization of 17.71 M. Market capitalization usually refers to the total value of a company's stock within the entire market. To calculate Carver Bancorp's market, we take the total number of its shares issued and multiply it by Carver Bancorp's current market price. To manage market risk and economic uncertainty, many investors today build portfolios that are diversified across equities with different market capitalizations. However, as a general rule, conservative investors tend to hold large-cap stocks, and these looking for more risk prefer small-cap and mid-cap equities. Carver Bancorp conducts business under Thrifts & Mortgage Finance sector and is part of Financials industry. The entity has 4.23 M outstanding shares of which 54.79 K shares are currently shorted by private and institutional investors with about 2.19 trading days to cover. Carver Bancorp currently holds about 43.38 M in cash with 7.15 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.
Check Carver Bancorp Probability Of Bankruptcy
Ownership
The market capitalization of Carver Bancorp is $17.71 Million. Almost 83.0 percent of Carver Bancorp outstanding shares are held by regular investors with 1.42 (percent) owned by insiders and only 15.87699999999999 % by other corporate entities. Note, that even with negative profits, if the true value of the firm is larger than the current market value, you may still be able to generate positive returns on investment in this company.

Ownership Allocation (%)

Check Carver Ownership Details

Carver Stock Price Odds Analysis

Depending on a normal probability distribution, the odds of Carver Bancorp jumping above the current price in 90 days from now is about 62.48%. The Carver Bancorp probability density function shows the probability of Carver Bancorp stock to fall within a particular range of prices over 90 days. Given the investment horizon of 90 days Carver Bancorp has a beta of 0.9736 suggesting Carver Bancorp market returns are correlated to returns on the market. As the market goes up or down, Carver Bancorp is expected to follow. Additionally, the company has a negative alpha, implying that the risk taken by holding this instrument is not justified. Carver Bancorp is significantly underperforming NYSE Composite.
  Odds Below 4.19HorizonTargetOdds Above 4.19
37.38%90 days
 4.19 
62.48%
Based on a normal probability distribution, the odds of Carver Bancorp to move above the current price in 90 days from now is about 62.48 (This Carver Bancorp probability density function shows the probability of Carver Stock to fall within a particular range of prices over 90 days) .

Carver Stock Institutional Holders

Institutional Holdings refers to the ownership stake in Carver Bancorp that is held by large financial organizations, pension funds or endowments. Institutions may purchase large blocks of Carver Bancorp's outstanding shares and can exert considerable influence upon its management. Institutional holders may also work to push the share price higher once they own the stock. Extensive social media coverage, TV shows, articles in high-profile magazines, and presentations at investor conferences help move the stock higher, increasing Carver Bancorp's value.
InstituionSecurity TypeTotal SharesValue
Wells Fargo CompanyCommon Shares157.8 K631 K
Wells Fargo CompanyCommon Shares157.8 K909 K
View Carver Bancorp Diagnostics

Carver Bancorp Risk Profiles

Investors will always prefer to have the highest possible return on investment while minimizing volatility. Carver Bancorp market risk premium is the additional return an investor will receive from holding Carver Bancorp long position in a well-diversified portfolio. The market premium is part of the Capital Asset Pricing Model (CAPM), which most analysts and investors use to calculate the acceptable rate of return on investment in Carver Bancorp. At the center of the CAPM is the concept of risk and reward, which is usually communicated by investors using alpha and beta measures. Although Carver Bancorp's alpha and beta are two of the key measurements used to evaluate Carver Bancorp's performance over the market, the standard measures of volatility play an important role as well.

Carver Stock Against Markets

Picking the right benchmark for Carver Bancorp stock is fundamental to making educated investment choices. Many naive investors compare their positions with the S&P 500 or with the Nasdaq. But these benchmarks are not all-inclusive and generally should be used only for large-capitalization equities or stock offerings from large companies. When the price of a selected benchmark declines in a down market, there may be an uptick in Carver Bancorp stock price where buyers come in believing the asset is cheap. The opposite is true when the market is bullish; so, accurately picking the benchmark for Carver Bancorp is critical whether you are bullish or bearish towards Carver Bancorp at a given time.

Be your own money manager

Our tools can tell you how much better you can do entering a position in Carver Bancorp without increasing your portfolio risk or giving up the expected return. As an individual investor, you need to find a reliable way to track all your investment portfolios. However, your requirements will often be based on how much of the process you decide to do yourself. In addition to allowing all investors analytical transparency into all their portfolios, our tools can evaluate risk-adjusted returns of your individual positions relative to your overall portfolio.

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Carver Bancorp Corporate Directors

Carver Bancorp corporate directors refer to members of a Carver Bancorp board of directors. The board of directors generally takes responsibility for the Carver Bancorp's affairs and long-term direction of the entity. A corporate director does not make decisions for the corporation on his own. As a member of the board of directors, she or he must function as a part of a group that makes decisions on behalf of the business only by the board of directors' meetings. To pass a resolution, a majority of Carver Bancorp's board members must vote for the resolution. The Carver Bancorp board of directors' duties also include the election, removal, and supervision of officers, including the adoption, amendment, and repeal of bylaws.
Craig MacKay - DirectorProfile
William Taggart - DirectorProfile
Lewis Jones - DirectorProfile
Robert Tarter - Independent DirectorProfile

Invested in Carver Bancorp?

The danger of trading Carver Bancorp is mainly related to its market volatility and company specific events. As an investor, you must understand the concept of risk-adjusted return before you start trading. The most common way to measure the risk of Carver Bancorp is by using the Sharpe ratio. The ratio expresses how much excess return you acquire for the extra volatility you endure for holding a more risker asset than Carver Bancorp. The Shape ratio is calculated by using standard deviation and excess return to determine reward per unit of risk. To understand how volatile Carver Bancorp is, you must compare it to a benchmark. Traditionally, the risk-free rate of return is the rate of return on the shortest-dated U.S. Treasury, such as a 3-year bond.
Continue to Trending Equities. You can also try Equity Valuation module to check real value of public entities based on technical and fundamental data.

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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
17.7 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.