US · CARV
Carver Bancorp, Inc.
- Sector
- Financial Services · Banks - Regional
- Headquarters
- New York City, NY 10027-4512
- Website
- carverbank.com
Price · as of 2025-03-31
—
Market cap 15.94M
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $23.11 | — |
| Intrinsic Value(DCF) | $5.39 | — |
| Graham-Dodd Method(GD) | — | — |
| Graham Formula(GF) | $2.79 | — |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2011 | $8.25 | $13,733.85 | $0.00 | $0.00 | $0.00 |
| 2012 | $3.61 | $150.82 | $1.50 | $0.00 | $257.30 |
| 2013 | $4.96 | $131.17 | $25.14 | $16.21 | $1.04 |
| 2014 | $11.13 | $112.69 | $26.02 | $12.91 | $0.00 |
| 2015 | $4.41 | $249.72 | $26.29 | $14.15 | $0.00 |
| 2016 | $3.70 | $376.70 | $13.60 | $11.69 | $0.00 |
| 2017 | $3.56 | $40.43 | $28.11 | $8.96 | $0.00 |
| 2018 | $5.15 | $2,356.88 | $31.94 | $21.29 | $4.57 |
| 2019 | $2.91 | $24.62 | $26.13 | $4.72 | $0.00 |
| 2020 | $1.71 | $322.57 | $25.16 | $5.89 | $0.00 |
| 2021 | $15.44 | $27,203.49 | $29.89 | $9.61 | $0.00 |
| 2022 | $8.97 | $34.08 | $33.84 | $14.17 | $0.00 |
| 2023 | $3.62 | $829.52 | $10.43 | $5.43 | $0.00 |
| 2024 | $1.85 | $121.69 | $14.38 | $5.66 | $0.00 |
| 2025 | $1.41 | $23.11 | $9.05 | $0.00 | $2.79 |
AI valuation
Our deep-learning model estimates Carver Bancorp, Inc.'s (CARV) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $23.11
- Current price
- —
- AI upside
- —
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$5.39
— upside
Graham-Dodd
—
— upside
Graham Formula
$2.79
— upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| CARV | Carver Bancorp, Inc. | $3.14 | 15.94M | +636% | +72% | — | -11% | -0.53 | 0.25 | 0.20 | -2.75 | -0.16 | 0.25 | 55.72% | -37.50% | -37.29% | -38.24% | -55.01% | -3.39% | 0.98 | -0.91 | 0.15 | 0.67 | 0.06 | 33443.00% | -952.00% | 8670.00% | -177.07% | -2.20 | -51.49% | 0.00% | 0.00% | 0.00% | -2.57 | -2.75 | 0.97 | -1.78 |
| ATON | AlphaTON Capital Corp. | $4.75 | 10.82M | — | — | — | — | -1.47 | -80.89 | — | -1.23 | -2.69 | -80.89 | 0.00% | — | — | -347.68% | 538.86% | -135.51% | 0.00 | -2472.67 | 2.02 | 1.53 | 0.25 | 5459.00% | — | -6180.00% | -54.90% | -4.97 | 396.95% | 0.00% | 0.00% | 0.00% | -1.12 | -1.52 | — | -162.88 |
| CNF | CNFinance Holdings Limite… | $4.94 | 14.8M | +5,823% | +1,341% | +3,414% | — | 6.41 | 0.06 | 0.15 | 73.58 | — | 0.06 | 51.77% | 3.02% | 2.36% | 0.94% | 0.41% | 0.24% | 1.47 | 0.06 | 0.25 | 0.40 | 70.18 | -9750.00% | -1290.00% | -5291.00% | 309.46% | 0.11 | 8.11% | 0.00% | 0.00% | 913.50% | 91.17 | 5.88 | 2.75 | 0.00 |
| FLD | Fold Holdings Inc | $3.32 | 155.34M | +1,649% | — | — | — | -60.73 | -13.63 | — | -40.92 | — | -13.63 | 0.00% | — | — | 29.58% | 100.62% | -1.71% | -0.69 | — | 0.10 | 0.10 | -1.67 | -18571.00% | -10000.00% | -3244.00% | -3.03% | -0.37 | 118.32% | 0.00% | 0.00% | 102.87% | -40.52 | -34.46 | — | 0.36 |
| GLBZ | Glen Burnie Bancorp | $4.51 | 13.08M | +9,158% | +331% | -67% | — | -131.26 | 0.83 | 0.92 | 136.12 | — | 0.83 | 67.41% | -3.97% | -0.70% | -0.60% | 0.36% | -0.03% | 1.68 | -0.15 | 0.30 | 0.30 | -13.87 | -10774.00% | 1370.00% | -10425.00% | -0.36% | 0.00 | 0.07% | 5.88% | -772.30% | 68.62% | 85.26 | 1024.75 | -3.39 | -0.64 |
| GSIW | Garden Stage Limited Ordi… | $0.17 | 12.9M | +57,368% | +3,262,196% | — | — | -4.16 | 2.68 | 3.33 | -4.22 | — | 2.71 | 4.72% | -80.00% | -79.91% | -54.01% | -65.56% | -26.58% | 0.03 | — | 1.51 | 0.26 | 0.10 | -345.00% | 29595.00% | -8073.00% | -7.61% | -0.13 | -20.73% | 0.00% | 0.00% | 0.00% | -4.06 | -12.84 | 3.25 | 0.18 |
| OXBR | Oxbridge Re Holdings Limi… | $1.41 | 10.58M | +3,128% | +6,674% | — | — | -7.27 | 5.02 | 36.30 | -11.07 | — | 5.02 | 53.48% | -297.62% | -323.08% | -58.75% | -46.15% | -34.69% | 0.07 | — | — | — | 1.15 | -7337.00% | -10775.00% | -261.00% | -6.22% | — | -34.99% | 0.00% | 0.00% | 7.57% | -11.05 | -14.57 | 32.88 | -2.76 |
| SHFS | SHF Holdings, Inc. | $2.43 | 6.79M | +34,317% | +7% | — | +380% | -0.37 | -1.46 | 0.98 | -7.34 | -0.32 | -1.46 | 104.67% | -24.23% | -262.50% | -437.93% | -21.38% | -119.19% | -0.97 | -8.36 | 0.86 | 0.65 | -2.54 | 11466.00% | -923.00% | -14137.00% | 2.40% | 0.08 | 2.06% | 0.00% | 0.00% | 3.21% | -6.17 | 63.89 | 1.49 | -12.16 |
| TVE | Tennessee Valley Authorit… | $24.26 | 12.74M | +21,532% | +702% | — | — | — | — | 0.00 | — | — | — | 0.00% | 18.79% | 9.95% | 0.00% | 29.12% | 0.00% | — | 2.15 | 0.00 | 0.00 | — | 1982.00% | 1103.00% | -10227.00% | 102.20% | 0.00 | 0.15% | 0.00% | — | 174887.49% | 0.02 | 4.75 | 0.00 | — |
About Carver Bancorp, Inc.
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 also 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 transfer, bill payment, reloadable prepaid card, and money order services. The company operates through one administrative office, seven branches, and four ATMs. Carver Bancorp, Inc. was founded in 1948 and is headquartered in New York, New York.
- CEO
- Donald Felix
- Employees
- 111
- Beta
- 1.47
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($5.39 ÷ —) − 1 = — (DCF, example).