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Upturn AI SWOT - About
CARV 
Carver Bancorp Inc (CARV)
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Upturn Advisory Summary
03/27/2025: CARV (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Analysis of Past Performance
Type Stock | Historic Profit -70.02% | Avg. Invested days 31 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  1.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 03/27/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 8.53M USD | Price to earnings Ratio - | 1Y Target Price - |
Price to earnings Ratio - | 1Y Target Price - | ||
Volume (30-day avg) 12738 | Beta 1.11 | 52 Weeks Range 1.26 - 2.39 | Updated Date 03/30/2025 |
52 Weeks Range 1.26 - 2.39 | Updated Date 03/30/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) -0.79 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin -13.04% | Operating Margin (TTM) -34.33% |
Management Effectiveness
Return on Assets (TTM) -0.52% | Return on Equity (TTM) -9.15% |
Valuation
Trailing PE - | Forward PE - | Enterprise Value 42427072 | Price to Sales(TTM) 0.3 |
Enterprise Value 42427072 | Price to Sales(TTM) 0.3 | ||
Enterprise Value to Revenue 3.13 | Enterprise Value to EBITDA - | Shares Outstanding 5140870 | Shares Floating 4047436 |
Shares Outstanding 5140870 | Shares Floating 4047436 | ||
Percent Insiders 21.24 | Percent Institutions 8.43 |
Analyst Ratings
Rating - | Target Price - | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold - | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Carver Bancorp Inc
Company Overview
History and Background
Carver Bancorp, Inc. was founded in 1948 and is headquartered in New York, NY. It operates as the holding company for Carver Federal Savings Bank, a community-oriented bank serving African-American communities in the New York City area.
Core Business Areas
- Retail Banking: Offers checking accounts, savings accounts, and certificates of deposit to individuals and small businesses.
- Mortgage Lending: Provides residential and commercial mortgage loans.
- Commercial Lending: Offers small business loans, lines of credit, and commercial real estate financing.
Leadership and Structure
Michael T. Pugh serves as President and CEO. The company operates with a board of directors overseeing strategic direction.
Top Products and Market Share
Key Offerings
- Residential Mortgages: Provides mortgage loans primarily to borrowers in underserved communities. Market share data is limited due to Carver's niche focus within the broader mortgage market. Competitors include larger national banks and local credit unions.
- Small Business Loans: Offers loans to small businesses in the New York City area. Limited market share data available. Competitors include larger banks and online lenders.
- Checking and Savings Accounts: Provides basic banking services to individuals and businesses. Market share data is not readily available. Competitors include major national banks and regional banks.
Market Dynamics
Industry Overview
The banking industry is highly competitive, with increasing pressure from fintech companies and regulatory changes. Community banks face challenges from larger institutions with greater resources.
Positioning
Carver Bancorp focuses on serving the African-American community in New York City, providing culturally sensitive banking services. Its competitive advantage lies in its community focus and understanding of the local market.
Total Addressable Market (TAM)
TAM for banking services in NYC is substantial, in the billions. Carver has a tiny slice of this, given their niche focus. They are positioned to grow within their target demographic.
Upturn SWOT Analysis
Strengths
- Strong community ties
- Focus on underserved markets
- Experienced management team
- Brand recognition within its target market
Weaknesses
- Limited geographic reach
- Smaller asset base compared to competitors
- Dependence on the New York City economy
- Higher operating costs compared to larger banks
Opportunities
- Expansion into new markets within the African-American community
- Development of new digital banking products
- Partnerships with community organizations
- Increased government support for minority-owned businesses
Threats
- Increased competition from larger banks and fintech companies
- Economic downturn in the New York City area
- Changes in banking regulations
- Rising interest rates
Competitors and Market Share
Key Competitors
- JPM
- C
- BAC
Competitive Landscape
Carver faces stiff competition from larger national banks with significantly greater resources. Its strength lies in its targeted approach and community focus, offering more personalized service.
Major Acquisitions
Growth Trajectory and Initiatives
Historical Growth: Please refer to Carver Bancorp's SEC filings for detailed historical growth data.
Future Projections: Analyst projections vary; please consult financial news sources for current estimates.
Recent Initiatives: Focus on digital banking initiatives and community outreach programs.
Summary
Carver Bancorp is a niche community bank with deep roots in the African-American community of New York City. While its smaller size and limited resources pose challenges, its strong community ties and focused strategy provide a competitive advantage. The company should focus on leveraging digital banking and expanding its reach within its target market to drive future growth and profitability. Monitoring competitive pressures and economic conditions in New York City is crucial.
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Sources and Disclaimers
Data Sources:
- SEC Filings
- Company Website
- Financial News Sources
- Market Research Reports
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Market data may be outdated. Consult with a qualified financial advisor before making any investment decisions.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Carver Bancorp Inc
Exchange NASDAQ | Headquaters New York, NY, United States | ||
IPO Launch date 1994-08-16 | President, CEO & Director Mr. Donald Felix | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 111 | Website https://www.carverbank.com |
Full time employees 111 | Website https://www.carverbank.com | ||
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. It accepts various deposit products, including demand, savings, and time deposits; passbook and statement accounts, and certificates of deposit; and individual retirement accounts. The company provides lending products, such as one-to-four family residential, multifamily real estate, and commercial real estate lending; and construction, business and small business administration, and consumer and other loans. In addition, it offers other consumer and commercial banking products and services, including debit cards, online account opening and banking, online bill pay, and telephone banking, as well as check cashing, wire transfers, bill payment, reloadable prepaid card, and money order services. Carver Bancorp, Inc. was founded in 1948 and is headquartered in New York, New York.
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