Carver Bancorp Inc (CARV) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Carver Bancorp Inc stock (CARV) is currently trading at $1.50. Carver Bancorp Inc PS ratio (Price-to-Sales) is 0.35. WallStSmart rates CARV as Sell.
- CARV PE ratio analysis and historical PE chart
- CARV PS ratio (Price-to-Sales) history and trend
- CARV intrinsic value — DCF, Graham Number, EPV models
- CARV stock price prediction 2025 2026 2027 2028 2029 2030
- CARV fair value vs current price
- CARV insider transactions and insider buying
- Is CARV undervalued or overvalued?
- Carver Bancorp Inc financial analysis — revenue, earnings, cash flow
- CARV Piotroski F-Score and Altman Z-Score
- CARV analyst price target and Smart Rating
Carver Bancorp Inc
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Smart Analysis
Carver Bancorp Inc (CARV) · 8 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in price/sales, price/book. Concerns around market cap and return on equity. Significant fundamental concerns warrant caution or avoidance.
Carver Bancorp Inc (CARV) Key Strengths (2)
Paying less than $1 for every $1 of annual revenue
Trading at 1.49x book value, attractively priced
Supporting Valuation Data
Carver Bancorp Inc (CARV) Areas to Watch (6)
Company is destroying shareholder value
Losing money on operations
Company is losing money with a negative profit margin
Very low institutional interest at 11.68%
Micro-cap company with very limited liquidity and high volatility
Solid revenue growth at 16.60% per year
Supporting Valuation Data
Carver Bancorp Inc (CARV) Detailed Analysis Report
Overall Assessment
This company scores 32/100 in our Smart Analysis, earning a F grade. Out of 8 metrics analyzed, 2 register as strengths (avg 9.0/10) while 6 fall into concern territory (avg 1.8/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on Price/Sales, Price/Book. Valuation metrics including Price/Sales (0.35), Price/Book (1.49) suggest the stock is attractively priced.
The Bear Case
The primary concerns are Return on Equity, Operating Margin, Profit Margin. Growth concerns include Revenue Growth at 16.60%, which may limit upside. Profitability pressure is visible in Return on Equity at -37.20%, Operating Margin at -13.60%, Profit Margin at -57.70%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Return on Equity improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at -37.20% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 16.60% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a higher risk investment. There are more areas of concern than strength, warranting a more conservative position size. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Fundamental challenges outweigh strengths at current levels. Return on Equity and Operating Margin are the primary drags. Consider waiting for meaningful improvement before committing capital.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
CARV Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
CARV's Price-to-Sales ratio of 0.35x trades at a deep discount to its historical average of 0.94x (10th percentile). The current valuation is 86% below its historical high of 2.4x set in Jul 2006, and 592% above its historical low of 0.05x in Apr 2011.
WallStSmart Analysis Synopsis
Data-driven financial summary for Carver Bancorp Inc (CARV) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
Carver Bancorp Inc is a strong growth company balancing expansion with improving profitability. Revenue reached 22M with 17% growth year-over-year. The company is currently unprofitable, posting a -57.7% profit margin.
Key Findings
The company is unprofitable with a -57.7% profit margin. The path to breakeven will be the key catalyst.
Free cash flow is -2M, meaning the company is burning cash. This may be acceptable for high-growth companies investing heavily.
What to Watch Next
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact Carver Bancorp Inc.
Bottom Line
Carver Bancorp Inc offers an attractive blend of growth (17% revenue expansion) and improving fundamentals. The company is transitioning from pure growth to profitable growth, a critical inflection point. Watch for sustained margin expansion as the key signal.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions(0 last 3 months)
Data sourced from SEC Form 4 filings
Last updated: 10:09:53 AM
About Carver Bancorp Inc(CARV)
NASDAQ
FINANCIAL SERVICES
BANKS - REGIONAL
USA
Carver Bancorp, Inc. is the parent company of Carver Federal Savings Bank, a federally licensed savings bank that provides commercial and consumer banking services to consumers, businesses, and government and quasi-government agencies primarily in New York. The company is headquartered in New York, New York.