Carver Bancorp Stock Buy Hold or Sell Recommendation
| CARV Stock | USD 1.59 0.02 1.27% |
Given the investment horizon of 90 days and your typical level of risk aversion, our recommendation regarding Carver Bancorp is 'Not Rated'. 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. Key drivers impacting Carver Bancorp's buy or sell advice are summarized below:
Real Value 0.0 | Hype Value 0.0 | Market Value 1.59 | Naive Value 1.65 |
A buy or sell recommendation provided by Macroaxis is an automated directive regarding whether to purchase or sell Carver Bancorp given historical horizon and risk tolerance towards Carver Bancorp. When Macroaxis issues a 'buy' or 'sell' recommendation for Carver Bancorp, the advice is generated through an automated system that utilizes algorithms and statistical models.
Carver |
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
 |  |
Strong Sell
Market Performance | Very Weak | Details | |
Volatility | Out of control | Details | |
Hype Condition | Under hyped | Details | |
Current Valuation | Undervalued | Details | |
Odds Of Distress | Above Average | Details | |
Economic Sensitivity | Almost neglects market trends | Details | |
Investor Sentiment | Alarmed | Details | |
Analyst Consensus | Not Available | Details | |
Reporting Quality (M-Score) | Unavailable | Details |
Carver Bancorp Trading Alerts and Improvement Suggestions
| Carver Bancorp generated a negative expected return over the last 90 days | |
| Carver Bancorp may become a speculative penny stock | |
| Carver Bancorp has high historical volatility and very poor performance | |
| Carver Bancorp has high likelihood to experience some financial distress in the next 2 years | |
| The company reported the previous year's revenue of 26.38 M. Net Loss for the year was (4.4 M) with profit before overhead, payroll, taxes, and interest of 27.22 M. | |
| Carver Bancorp currently holds about 43.38 M in cash with (10.51 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. | |
| Roughly 22.0% of the company shares are held by company insiders | |
| Latest headline from MacroaxisInsider: Acquisition by Michael Pugh of 10000 shares of Carver Bancorp subject to Rule 16b-3 |
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 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 | -0.27 | Value At Risk | -8.28 | Potential Upside | 8.93 | Standard Deviation | 4.50 |
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 originates 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.
| Shares | Jane Street Group, Llc | 2023-12-31 | 11.3 K | Schonfeld Strategic Advisors Llc | 2023-09-30 | 11.2 K | Tower Research Capital Llc | 2023-12-31 | 6.1 K | White Bay Pt Llc | 2023-12-31 | 2 K | Fny Investment Advisers, Llc | 2023-12-31 | 1.6 K | Atlas Capital Advisors | 2023-12-31 | 1.4 K | Blackrock Inc | 2023-12-31 | 1.4 K | Ubs Group Ag | 2023-12-31 | 985 | Advisor Group Holdings, Inc. | 2023-12-31 | 100.0 | Vanguard Group Inc | 2023-12-31 | 204.4 K | Wells Fargo & Co | 2023-12-31 | 157.8 K |
Carver Bancorp Cash Flow Accounts
| 2019 | 2020 | 2021 | 2022 | 2023 | 2024 (projected) | ||
| Change In Cash | 16.3M | 28.1M | (14.6M) | (18.5M) | (16.6M) | (15.8M) | |
| Free Cash Flow | (1.3M) | 2.0M | 7.0M | (10.7M) | (9.7M) | (9.2M) | |
| Depreciation | 965K | 1.0M | 1.0M | 1.1M | 952.2K | 1.2M | |
| Other Non Cash Items | (208K) | (80K) | 877K | (7.1M) | (6.4M) | (6.0M) | |
| Capital Expenditures | 1.3M | 256K | 192K | 225K | 202.5K | 192.4K | |
| Net Income | (5.4M) | (3.9M) | (847K) | (4.4M) | (4.0M) | (4.2M) | |
| End Period Cash Flow | 47.5M | 75.6M | 61.0M | 42.6M | 48.9M | 48.5M | |
| Investments | 16.5M | (77.0M) | 17.3M | (15.3M) | (17.6M) | (18.4M) | |
| Change Receivables | (343K) | (558K) | (33K) | (588K) | (529.2K) | (502.7K) | |
| Change To Netincome | (270K) | (293K) | (1.3M) | 999K | 899.1K | 854.1K | |
| Net Borrowings | (17M) | (8M) | 23.7M | (21.2M) | (19.1M) | (18.1M) |
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 Thrifts & Mortgage Finance 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 NYSE Composite | -0.25 | |
β | Beta against NYSE Composite | -0.35 | |
σ | Overall volatility | 4.19 | |
Ir | Information ratio | -0.08 |
Carver Bancorp Volatility Alert
Carver Bancorp exhibits very low volatility with skewness of 0.47 and kurtosis of 2.2. 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 financial instruments 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 |
| Fundamentals | Carver Bancorp | Peer Average |
| Return On Equity | -0.1 | -0.31 |
| Return On Asset | -0.006 | -0.14 |
| Profit Margin | (0.16) % | (1.27) % |
| Operating Margin | 0.02 % | (5.51) % |
| Current Valuation | 13.05 M | 16.62 B |
| Shares Outstanding | 4.99 M | 571.82 M |
| Shares Owned By Insiders | 22.47 % | 10.09 % |
| Shares Owned By Institutions | 12.41 % | 39.21 % |
| Number Of Shares Shorted | 24.18 K | 4.71 M |
| Price To Earning | 14.54 X | 28.72 X |
| Price To Book | 0.32 X | 9.51 X |
| Price To Sales | 0.24 X | 11.42 X |
| Revenue | 26.38 M | 9.43 B |
| Gross Profit | 27.22 M | 27.38 B |
| EBITDA | 510 K | 3.9 B |
| Net Income | (4.4 M) | 570.98 M |
| Cash And Equivalents | 43.38 M | 2.7 B |
| Cash Per Share | 10.27 X | 5.01 X |
| Total Debt | 64.26 M | 5.32 B |
| Debt To Equity | 12.68 % | 48.70 % |
| Book Value Per Share | 3.99 X | 1.93 K |
| Cash Flow From Operations | (10.51 M) | 971.22 M |
| Short Ratio | 1.28 X | 4.00 X |
| Earnings Per Share | (0.98) X | 3.12 X |
| Number Of Employees | 107 | 18.84 K |
| Beta | 1.17 | -0.15 |
| Market Capitalization | 7.93 M | 19.03 B |
| Total Asset | 723.22 M | 29.47 B |
| Retained Earnings | (47.9 M) | 9.33 B |
| Net Asset | 723.22 M |
Note: Acquisition by Michael Pugh of 10000 shares of Carver Bancorp subject to Rule 16b-3 [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.
| Accumulation Distribution | 0.0838 | |||
| Daily Balance Of Power | 0.1429 | |||
| Rate Of Daily Change | 1.01 | |||
| Day Median Price | 1.6 | |||
| Day Typical Price | 1.6 | |||
| Market Facilitation Index | 0.14 | |||
| Period Momentum Indicator | 0.02 |
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.| 2021 | 2022 | 2023 | 2024 (projected) | Short and Long Term Debt Total | 30.3M | 64.3M | 57.8M | 57.5M | Total Assets | 735.3M | 723.2M | 831.7M | 662.9M |
Use Investing Ideas to Build Portfolios
In addition to having Carver Bancorp in your portfolios, you can quickly add positions using our predefined set of ideas and optimize them against your very unique investing style. A single investing idea is a collection of funds, stocks, ETFs, or cryptocurrencies that are programmatically selected from a pull of investment themes. After you determine your investment opportunity, you can then find an optimal portfolio that will maximize potential returns on the chosen idea or minimize its exposure to market volatility.Did You Try This Idea?
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Daily selected watch list of stocks of large companies handpicked by Macroaxis Team based on their diversification potential. The Macroaxis Picks theme has 50 constituents at this time.
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Check out 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. For more information on how to buy Carver Stock please use our How to Invest in Carver Bancorp guide.You can also try the Bond Analysis module to evaluate and analyze corporate bonds as a potential investment for your portfolios..
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When running Carver Bancorp's price analysis, check to measure Carver Bancorp's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Carver Bancorp is operating at the current time. Most of Carver Bancorp's value examination focuses on studying past and present price action to predict the probability of Carver Bancorp's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Carver Bancorp's price. Additionally, you may evaluate how the addition of Carver Bancorp to your portfolios can decrease your overall portfolio volatility.
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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.
Earnings Share (0.98) | Revenue Per Share 5.926 | Quarterly Revenue Growth 0.262 | Return On Assets (0.01) | Return On Equity (0.10) |
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 if Carver Bancorp is a good investment 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.