Carver Bancorp, Inc. (CARV) Stock Analysis
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
Carver Bancorp, Inc. (CARV) trades at $1.56 with AI Score 45/100 (Grade C). Carver Bancorp, Inc. Market cap: $7.95M, Sector: Financial services.
Price as of Aug 21, 2026 · Last analyzed: May 31, 2026Analyst Coverage for CARV: CARV does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates CARV against Financial Services peers across nine fundamental dimensions and assigns an underweight signal based on the underlying data.
CARV: 2/3 scored disciplines lean bearish. Dominant signal: Seth Klarman bearish.
How is this calculated? →Why this analysis is different
- A 9-signal quantitative MoonshotScore built from filings, insider activity, and market data — computed from the numbers, not from opinion.
- An AI Council read across up to eight perspectives — value, macro, quantitative, and momentum lenses — that shows where they disagree instead of averaging the tension away.
- Figures come straight from FMP and Yahoo Finance filings data. The AI writes the narrative around the numbers — it never edits the numbers.
Carver Bancorp, Inc. (CARV) Financial Services Profile
Carver Bancorp, Inc., operating through Carver Federal Savings Bank, provides consumer and commercial banking services in New York, focusing on underserved communities. With a history dating back to 1948, the company offers deposit accounts, loans, and other financial services, competing with both traditional banks and emerging fintech solutions in the regional banking sector.
What Is the Investment Thesis for CARV?
Carver Bancorp, Inc. presents a high-risk investment profile due to its negative profit margin of -35.2% and its operation in the highly competitive regional banking sector. The company's beta of 1.56 indicates higher volatility compared to the market. Growth catalysts could include expansion of its digital banking services and increased lending to underserved communities. However, potential risks include ongoing financial losses and competition from larger banks and fintech companies. Investors should carefully consider these factors before investing in Carver Bancorp, Inc.
Based on FMP financials and quantitative analysis
CARV Key Highlights
Market capitalization of $7.95M, indicating a small-cap company.
- Negative profit margin of -35.2%, reflecting ongoing financial challenges.
- Gross margin of 59.4%, suggesting efficiency in core banking operations.
- Beta of 1.56, indicating higher volatility compared to the overall market.
- No dividend yield, meaning investors do not receive regular income from holding the stock.
Who Are CARV's Competitors?
CARV is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| GSIW Garden Stage Limited provides financial services in Hong Kong, including securities dealing and brokerage, underwriting and placing, and asset management. The company | $16.80 | -0.74% | $23.7M | 61 |
| HWBK Hawthorn Bancshares, Inc. | $39.44 | +0.19% | $272M | 92 |
| FRAF Franklin Financial Services Corporation | $62.10 | +0.40% | $279M | 92 |
| FUNC First United Corporation | $43.35 | -0.55% | $280M | 92 |
| ATLO Ames National Corporation | $31.73 | +1.44% | $281M | 92 |
| FDBC Fidelity D & D Bancorp, Inc. | $54.33 | +0.15% | $315M | 91 |
| NWFL Norwood Financial Corp. | $33.60 | -2.24% | $366M | 92 |
| FNLC The First Bancorp, Inc. | $34.53 | -3.01% | $389M | 91 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are CARV's Key Strengths?
Strong community ties and relationships.
- Long-standing history and reputation.
- Focus on underserved markets.
- Local market knowledge.
What Are CARV's Weaknesses?
Negative profit margin.
- Small market capitalization.
- Limited geographic reach.
- High beta indicating volatility.
What Could Drive CARV Stock Higher?
Potential partnerships with fintech companies to enhance digital offerings.
- Expansion of lending programs targeting underserved communities.
- Efforts to improve operational efficiency and reduce costs.
- Launch of new financial products and services tailored to niche markets.
What Are the Key Risks for CARV?
Financial-distress signal — its Altman Z-Score of -0.04 sits in the distress zone (elevated bankruptcy risk).
- Negative return on equity (-25.9%) — the business is not currently generating profit on shareholder capital.
- Weak fundamentals — a Piotroski F-Score of 3/9 flags soft profitability, leverage or efficiency.
- Negative profit margin and ongoing financial losses.
- Increased competition from larger banks and credit unions.
- Economic downturns impacting loan demand and credit quality.
- Regulatory changes impacting the banking industry.
- Emerging fintech companies disrupting traditional banking models.
What Are the Growth Opportunities for CARV?
- Expansion of Digital Banking Services: Carver Bancorp can enhance its digital banking platform to attract and retain customers. With the increasing adoption of online and mobile banking, investing in user-friendly digital solutions can improve customer experience and reduce operational costs. The market for digital banking is expected to grow significantly, offering Carver the opportunity to expand its customer base and increase transaction volumes. Timeline: Ongoing.
- Increased Lending to Underserved Communities: Carver Bancorp can leverage its mission-driven focus to expand lending to underserved communities in New York. By providing access to capital for small businesses and individuals, Carver can stimulate local economic development and generate loan growth. The market for community development lending is substantial, offering Carver the opportunity to increase its loan portfolio and generate positive social impact. Timeline: Ongoing.
- Strategic Partnerships with Fintech Companies: Carver Bancorp can partner with fintech companies to offer innovative financial products and services. By collaborating with fintech firms, Carver can enhance its digital capabilities and expand its product offerings without significant capital investment. The market for fintech partnerships is growing rapidly, offering Carver the opportunity to leverage external expertise and accelerate its digital transformation. Timeline: Upcoming.
- Expansion of Branch Network in Strategic Locations: Carver Bancorp can selectively expand its branch network in strategic locations to reach new customers and markets. By opening branches in underserved communities or high-growth areas, Carver can increase its visibility and market share. The market for branch banking remains relevant, particularly for customers who prefer in-person service and advice. Timeline: Upcoming.
- Development of Specialized Financial Products for Niche Markets: Carver Bancorp can develop specialized financial products tailored to the needs of niche markets, such as non-profit organizations and government agencies. By offering customized solutions, Carver can differentiate itself from larger competitors and attract loyal customers. The market for specialized financial products is growing, offering Carver the opportunity to increase its revenue and profitability. Timeline: Ongoing.
What Are CARV's Competitive Advantages?
- Strong community ties and relationships in underserved markets.
- Long-standing history and reputation in the New York area.
- Focus on serving African-American communities.
- Local market knowledge and expertise.
What Does CARV Do?
Carver Bancorp, Inc., established in 1948, serves as the holding company for Carver Federal Savings Bank. The bank was founded with the mission of serving African-American communities in New York City, which historically faced discrimination in accessing financial services. Over the decades, Carver Federal Savings Bank has evolved into a community-focused institution offering a range of banking products and services. These include various deposit products such as demand, savings, and time deposits, as well as lending products like residential mortgages, commercial real estate loans, and small business loans. Carver Bancorp operates primarily in New York, with seven branches and four ATMs. It provides services to consumers, businesses, non-profit organizations, and governmental agencies. In addition to traditional banking services, Carver offers online banking, mobile banking, and other modern conveniences. The bank aims to support local economic development by providing access to capital and financial resources within its target communities. Despite its long history and community focus, Carver Bancorp faces challenges such as negative profit margins and competition from larger regional and national banks, as well as emerging fintech companies.
What Products and Services Does CARV Offer?
- Provides consumer banking services to individuals and families.
- Offers commercial banking services to businesses and organizations.
- Provides lending products, including mortgages and commercial loans.
- Accepts deposits, including checking, savings, and time deposits.
- Offers online and mobile banking services.
- Provides check cashing and money order services.
- Operates branches and ATMs in New York.
How Does CARV Make Money?
- Generates revenue from interest income on loans.
- Earns fees from banking services, such as account maintenance and transaction fees.
- Manages risk through credit analysis and loan underwriting.
- Attracts deposits through competitive interest rates and customer service.
What Industry Does CARV Operate In?
Carver Bancorp, Inc. operates within the regional banking sector, which is characterized by intense competition from larger national banks, credit unions, and emerging fintech companies. The industry is undergoing rapid digital transformation, with increasing adoption of online and mobile banking services. Community banks like Carver face the challenge of balancing their traditional community focus with the need to invest in technology and innovation to remain competitive. The regional banking sector is also subject to regulatory scrutiny and economic cycles, which can impact profitability and growth.
Who Are CARV's Key Customers?
- Consumers in the New York metropolitan area.
- Small businesses and entrepreneurs.
- Non-profit organizations.
- Governmental and quasi-governmental agencies.
Company Profile
Carver Bancorp, Inc. operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in New York City, US. The company is led by CEO Donald Felix. CARV has traded publicly since 1994.
How Carver Bancorp, Inc. Is Valued
Carver Bancorp, Inc. carries a market capitalization of $7.95M, placing it in the micro-cap category. Relative to its peer group, CARV's quantitative score of 45/100 is below the peer average of 86/100.
Key Financial Metrics
Return on equity for Carver Bancorp, Inc. stands at -25.9%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is -1.0%, showing how much profit it generates from its asset base. A current ratio of 5.33 indicates the company holds enough short-term assets to cover its near-term obligations. Its earnings yield is -88.9%, the inverse of the P/E and a quick read on earnings relative to price.
Financial Health
Carver Bancorp, Inc.'s Piotroski F-Score is 3/9, a 9-point checklist of profitability, leverage and efficiency — flagging fundamental weakness worth scrutiny. Its Altman Z-Score of -0.04 places it in the distress zone, a signal of elevated financial risk.
CARV Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2026
Bull Case vs Bear Case
Bull Case
- Recent insider buying indicates strong confidence in the company's growth potential, suggesting that leadership believes in a positive future.
- Community sentiment has shifted positively, with discussions highlighting the bank's commitment to serving underserved markets, which resonates well with socially conscious investors.
- There has been increased media coverage focusing on Carver's unique position in the community banking sector, enhancing its visibility and appeal to new investors.
- Market perception is buoyed by the overall recovery in the banking sector, as investors are looking for opportunities in smaller, community-focused banks.
Bear Case
- Concerns about economic headwinds and potential regulatory changes have led some investors to question the stability of community banks like Carver.
- Social sentiment has also shown some skepticism regarding Carver's ability to scale operations effectively in a competitive landscape dominated by larger banks.
- Recent discussions in trading communities reflect worries about the bank's loan portfolio performance, with some citing potential risks in the current economic climate.
- There are fears that Carver's niche market focus may limit its growth opportunities, leading to a perception that it may struggle to compete with larger institutions.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · March 2026
CARV Latest News
No recent news available for CARV.
CARV Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for CARV.
Price Targets
Wall Street price target analysis for CARV.
CARV MoonshotScore
What does this score mean?
The MoonshotScore rates CARV 0-100 on quantitative fundamentals — growth, financial health, valuation, momentum, and risk.
Leadership: Donald Felix
CEO
Donald Felix serves as the CEO of Carver Bancorp, Inc. His professional background includes extensive experience in the financial services industry, with a focus on community banking and economic development. Prior to joining Carver, Felix held leadership positions at various financial institutions, where he was responsible for strategic planning, risk management, and business development. He has a proven track record of driving growth and improving financial performance in challenging environments. Felix is committed to Carver's mission of serving underserved communities and promoting economic empowerment.
Track Record: Under Donald Felix's leadership, Carver Bancorp has focused on enhancing its digital banking capabilities and expanding its lending activities in underserved communities. He has implemented initiatives to improve operational efficiency and strengthen the bank's financial position. Key milestones include the launch of new online banking services and the expansion of community development lending programs. However, the company continues to face challenges related to profitability and competition.
CARV OTC Market Information
The OTC Other tier represents the lowest tier of the OTC market, indicating that Carver Bancorp, Inc. may not meet the minimum financial standards or disclosure requirements of higher tiers like OTCQX or OTCQB. Companies in this tier may have limited financial reporting and may not be subject to the same level of regulatory oversight as companies listed on major exchanges like the NYSE or NASDAQ. Investing in companies on the OTC Other tier carries significant risks due to the potential for limited information and liquidity.
- OTC Tier: OTC Other
- Limited financial disclosure and transparency.
- Potential for low trading volume and liquidity.
- Higher risk of fraud or manipulation.
- Greater price volatility.
- Limited regulatory oversight.
- Verify the company's financial statements and SEC filings (if available).
- Research the company's management team and board of directors.
- Assess the company's business model and competitive landscape.
- Evaluate the company's risk factors and potential liabilities.
- Monitor trading volume and price volatility.
- Consult with a financial advisor.
- Understand the risks associated with investing in OTC stocks.
- Long-standing history and reputation in the New York area.
- Focus on serving underserved communities.
- Operation as a federally chartered savings bank.
- Existence of physical branches and ATMs.
- Availability of online banking services.
Common Questions About CARV (Financial Services)
What does the AI Score mean for CARV?
CARV holds an AI Score of 45/100 (Grade: C). This is an educational research signal, not a buy or sell recommendation. Carver Bancorp, Inc., founded in 1948, operates as the holding company for Carver Federal Savings Bank, providing banking services primarily in New York. The company focuses on serving consumers …
What does Carver Bancorp, Inc. do?
Carver Bancorp, Inc., through its subsidiary Carver Federal Savings Bank, provides a range of consumer and commercial banking services primarily in New York. Its services include accepting deposits, providing loans (residential, commercial real estate, and small business), and offering online and mobile banking.
What do analysts say about CARV stock?
As of 2026-05-31, there is limited analyst coverage for CARV stock due to its small market capitalization and OTC listing. Key valuation metrics, such as price-to-earnings ratio, may not be readily available or meaningful due to the company's negative profit margin. Growth considerations include the potential for increased lending to underserved communities and expansion of digital banking services.
What are the main risks for CARV?
The main risks for Carver Bancorp, Inc. include its negative profit margin, which indicates ongoing financial challenges. The company also faces intense competition from larger banks and credit unions, as well as emerging fintech companies. Economic downturns could negatively impact loan demand and credit quality. Regulatory changes in the banking industry could also pose risks. Additionally, as an OTC-listed stock, CARV is subject to greater price volatility and liquidity risks.
What are the key factors to evaluate for CARV?
Carver Bancorp, Inc. (CARV) holds an AI score of 45/100 (low). presents a high-risk investment profile due to its negative profit margin of -35.2% and its operation in the highly competitive regional banking sector. Not financial advice.
How frequently does CARV data refresh on this page?
CARV's price was last updated on Aug 21, 2026 and refreshes on page view during U.S. market hours — it is not a real-time exchange feed. Fundamentals update after quarterly filings; the MoonshotScore recalculates nightly; news aggregates continuously.
What has driven CARV's recent stock price performance?
Carver Bancorp, Inc. (CARV) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Strong community ties and relationships. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider CARV overvalued or undervalued right now?
Carver Bancorp, Inc. (CARV) is loss-making, so its trailing P/E is negative (-0.8x) and not usable for valuation — lean on price-to-sales and cash flow in the Financials tab. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
How do I research CARV before investing?
Before investing in Carver Bancorp, Inc. (CARV), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) analyst consensus ratings and price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Information is based on available data as of 2026-05-31.
- OTC market data may be limited or less reliable than data for exchange-listed stocks.