Carver Stock Analysis

CARV -  USA Stock  

USD 10.01  1.42  12.42%

The modest gains experienced by current holders of Carver Bancorp could raise concerns from sophisticated investors as the firm it trading at a share price of 10.01 on 480,000 in volume. The company executives have been quite successful in maneuvering the stock at opportune times to take advantage of all market conditions in May. The stock standard deviation of daily returns for 90 days investing horizon is currently 6.47. The very high volatility is mostly attributed to the latest market swings and not very good earnings reports from some of the Carver Bancorp partners.
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The Carver Bancorp stock analysis report makes it easy to digest most publicly released information about Carver Bancorp and get updates on important government artifacts, including earning estimates, SEC corporate filings, and announcements. Carver stock analysis module also helps to analyze the Carver Bancorp price relationship with some important fundamental indicators such as market cap and management efficiency.

Carver Stock Analysis Notes

About 82.0% of the company shares are held by company insiders. The company has price-to-book (P/B) ratio of 1.41. Some equities with similar Price to Book (P/B) outperform the market in the long run. Carver Bancorp recorded a loss per share of 1.34. The entity next dividend is scheduled to be issued on the 25th of August 2010. The firm had 1:15 split on the 1st of November 2011. Carver Bancorp, Inc. operates as the holding company for Carver Federal Savings Bank, a federally chartered savings bank that provides consumer and commercial banking services for consumers, businesses, and governmental and quasi-governmental agencies primarily in New York. Carver Bancorp, Inc. was founded in 1948 and is headquartered in New York, New York. Carver Bancorp operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. It employs 104 people. For more info on Carver Bancorp please contact Deborah Wright at 718-230-2900 or go to http://www.carverbank.com.

Carver Bancorp Investment Alerts

Many investors view ongoing market volatility as an opportunity to purchase more stocks at a favorable price or short it to generate a bearish trend profit opportunity. If you are one of those investors, make sure you clearly understand the position you are entering. Carver Bancorp's investment alerts are automatically generated signals that are significant enough to either complement your investing judgment regarding Carver Bancorp or challenge it. These alerts can help you understand what you are buying and avoid costly mistakes.
Carver Bancorp has very high historical volatility over the last 90 days
Carver Bancorp has high likelihood to experience some financial distress in the next 2 years
The company reported the previous year's revenue of 20.98 M. Net Loss for the year was (4.73 M) with profit before overhead, payroll, taxes, and interest of 19.72 M.
Carver Bancorp currently holds about 79.55 M in cash with (6.94 M) of positive cash flow from operations. This results in cash-per-share (CPS) ratio of 25.97, which can makes it an attractive takeover target, given it will continue generating positive cash flow.
Carver Bancorp has a frail financial position based on the latest SEC disclosures
Roughly 82.0% of the company shares are held by company insiders
Latest headline from www.equities.com: Carver Bancorp Inc. drops -10.1230 percent for June 10 - Equities.com

Carver Bancorp SEC Filings

SEC filings are important regulatory documents required of all public companies to provide to potential investors. Carver Bancorp prospectus issued under the guidelines of SEC is a legal declaration of facts and statements to ensure that Carver Bancorp investors are not misled. SEC filings are required by law to meet strict transparency standards and other important legal constraints. Although many companies may choose careful wording to disguise some material information, SEC filings make crucial Carver Bancorp specific information freely available to individual and institutional investors to make a timely investment decision.
14th of June 2021
Unclassified Corporate Event
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30th of March 2021
Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers: Compensatory Arrangements of Certain Officers
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22nd of February 2021
Financial Statements and Exhibits. Amendments to Articles of Incorporation or Bylaws; and/or Change in Fiscal Year. Material Modifications to Rights of Security Holders. Unregistered Sales of Equity Securities. Entry into a Material Definitive Agreement
View
12th of February 2021
Unclassified Corporate Event
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1st of February 2021
Financial Statements and Exhibits. Amendments to Articles of Incorporation or Bylaws; and/or Change in Fiscal Year. Material Modifications to Rights of Security Holders. Unregistered Sales of Equity Securities. Entry into a Material Definitive Agreement
View
28th of January 2021
Unclassified Corporate Event
View
21st of October 2020
Unregistered Sales of Equity Securities
View
20th of October 2020
Unregistered Sales of Equity Securities
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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 K1.4 M
Bank Of America CorpCommon Shares147.2 K1.3 M
Bridgeway Capital Management LlcCommon Shares146.5 K1.3 M
Quinn Opportunity Partners LlcCommon Shares39.9 K362 K
Dimensional Fund Advisors LpCommon Shares25.6 K233 K
Two Sigma Advisers LpCommon Shares24.8 K225 K
Advisor Group Holdings IncCommon Shares13.4 K122 K
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 Market Capitalization

The company currently falls under 'Micro-Cap' category with current market capitalization of 44.35 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 Profitablity

Carver Bancorp's profitability indicators refer to fundamental financial ratios that showcase Carver Bancorp's ability to generate income relative to its revenue or operating costs. If, let's say, Carver Bancorp is currently losing money, the management's focus should be on how to reverse that trend. However, when revenue exceeds expenses, Carver Bancorp's executives or investors may be in less hurry to break that information down - which is where profitability analysis comes into play. Gaining a greater understanding of Carver Bancorp's profitability requires more research than a typical breakdown of Carver Bancorp's financial statements. By doing a profitability analysis, companies can identify areas needing attention, and investors can make a profitable trade.
The company has Profit Margin (PM) of (22.53) %, which may suggest that it does not properly executes on its current pricing strategies or is unable to control all of the operational costs. This is way below average. Similarly, it shows Operating Margin (OM) of (20.9) %, which suggests for every $100 dollars of sales, it generated a net operating loss of -0.21.
Last ReportedProjected for 2021
Return on Average Assets(0.0103) (0.0112) 
Return on Average Equity(0.12) (0.13) 
Return on Invested Capital(0.0103) (0.0112) 
Return on Sales(0.32) (0.34) 

Management Efficiency

The entity has return on total asset (ROA) of (0.75) % which means that it has lost $0.75 on every $100 spent on asset. This is way below average. Similarly, it shows return on stockholders equity (ROE) of (9.83) %, meaning that it created substantial loss on money invested by shareholders. Carver Bancorp management efficiency ratios could be used to measure how well carver bancorp manages its routine affairs as well as how well it operates its assets and liabilities. Return on Average Assets is likely to drop to -0.01 in 2021. Return on Average Equity is likely to drop to -0.13 in 2021. Carver Bancorp Total Assets are fairly stable at the moment as compared to the past year. Carver Bancorp reported Total Assets of 520.89 Million in 2020. Asset Turnover is likely to climb to 0.0405 in 2021, whereas Return on Average Assets are likely to drop (0.0112)  in 2021.
Last ReportedProjected for 2021
Book Value per Share 11.89  17.55 
Enterprise Value over EBIT(2.30) (2.48) 
Enterprise Value over EBITDA(2.74) (2.95) 
Price to Book Value 0.13  0.13 
Tangible Assets Book Value per Share 140.80  144.51 
Enterprise Value12.2 M11.5 M
Tangible Asset Value520.9 M550.7 M

Technical Drivers

As of the 19th of June, Carver Bancorp shows the Downside Deviation of 5.34, mean deviation of 4.08, and Risk Adjusted Performance of 0.0336. Carver Bancorp technical analysis gives you the methodology to make use of historical prices and volume patterns to determine a pattern that approximates the direction of the firm's future prices. Put another way, you can use this information to find out if the firm will indeed mirror its model of historical prices and volume momentum, or the prices will eventually revert. We were able to interpolate data for nineteen technical drivers for Carver Bancorp, which can be compared to its rivals. Please confirm Carver Bancorp standard deviation, value at risk, as well as the relationship between the Value At Risk and kurtosis to decide if Carver Bancorp is priced correctly, providing market reflects its regular price of 10.01 per share. Given that Carver Bancorp has jensen alpha of 0.1949, we suggest you to validate Carver Bancorp's prevailing market performance to make sure the company can sustain itself at a future point.

Carver Bancorp Price Movement Analysis

The output start index for this execution was twenty-eight with a total number of output elements of thirty-three. The Mid-point over period is an average of Carver Bancorp highest and lowest values attained during the given period. View also all equity analysis or get more info about midpoint over period overlap studies indicator.

Carver Bancorp Insider Trading Activities

Some recent studies suggest that insider trading raises the cost of capital for securities issuers and decreases overall economic growth. Trading by specific Carver Bancorp insiders, such as employees or executives, is commonly permitted as long as it does not rely on Carver Bancorp's material information that is not in the public domain. Local jurisdictions usually require such trading to be reported in order to monitor insider transactions. In many U.S. states, trading conducted by corporate officers, key employees, directors, or significant shareholders must be reported to the regulator or publicly disclosed, usually within a few business days of the trade. In these cases Carver Bancorp insiders are required to file a Form 4 with the U.S. Securities and Exchange Commission (SEC) when buying or selling shares of their own companies.

Carver Bancorp Predictive Daily Indicators

Carver Bancorp intraday indicators are useful technical analysis tools used by many experienced traders. Just like the conventional technical analysis, daily indicators help intraday investors to analyze the price movement with the timing of Carver Bancorp stock daily movement. By combining multiple daily indicators into a single trading strategy, you can limit your risk while still earning strong returns on your managed positions.

Carver Bancorp Forecast Models

Carver Bancorp time-series forecasting models is one of many Carver Bancorp's stock analysis techniquest aimed to predict future share value based on previously observed values. Time-series forecasting models ae widely used for non-stationary data. Non-stationary data are called the data whose statistical properties e.g. the mean and standard deviation are not constant over time but instead, these metrics vary over time. These non-stationary Carver Bancorp's historical data is usually called time-series. Some empirical experimentation suggests that the statistical forecasting models outperform the models based exclusively on fundamental analysis to predict the direction of the stock market movement and maximize returns from investment trading.

About Carver Bancorp Stock Analysis

Stock analysis is the technique used by a trader or investor to examine and evaluate how Carver Bancorp stock is reacting to, or reflecting on a current stock market direction and economic conditions. It can be used to make informed decisions about market timing, and when buying or selling Carver shares will generate the highest return on investment. We also built our stock analysis module to help investors to gain an insight into the world economy as a whole, the stock market, thematic ideas, a specific sector, or an individual stock such as Carver Bancorp. By using and applying Carver Stock analysis, traders can create a robust methodology for identifying Carver entry and exit points for their positions.
Last ReportedProjected for 2021
EBITDA Margin(0.26) (0.28) 
Gross Margin 0.90  0.89 
Profit Margin(0.32) (0.34) 
Carver Bancorp, Inc. operates as the holding company for Carver Federal Savings Bank, a federally chartered savings bank that provides consumer and commercial banking services for consumers, businesses, and governmental and quasi-governmental agencies primarily in New York. Carver Bancorp, Inc. was founded in 1948 and is headquartered in New York, New York. Carver Bancorp operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. It employs 104 people.

Be your own money manager

As an investor, your ultimate goal is to build wealth. Optimizing your investment portfolio is an essential element in this goal. Using our stock analysis tools, you can find out how much better you can do when adding Carver Bancorp to your portfolios without increasing risk or reducing expected return.

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Continue to Trending Equities. Note that the Carver Bancorp information on this page should be used as a complementary analysis to other Carver Bancorp's statistical models used to find the right mix of equity instruments to add to your existing portfolios or create a brand new portfolio. You can also try Money Flow Index module to determine momentum by analyzing Money Flow Index and other technical indicators.

Complementary Tools for Carver Bancorp Stock analysis

When running Carver Bancorp 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 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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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 underlying business (such as 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.