ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Carver Bancorp, Inc. ?
1
With a Operating Losses, the company has a Weak Long Term Fundamental Strength
- Poor long term growth as Net profit has grown by an annual rate of -39.93%
2
Risky -
- The stock is trading risky as compared to its average historical valuations
- Over the past year, while the stock has generated a return of 24.04%, its profits have risen by 8.7%
Real-Time Research ReportHow much should you sell?
- All quantity irrespective of whether you are making profits or losses
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Savings Banks)
When to re-enter? - We will constantly monitor the company and review our call based on new data
Is Carver Bancorp, Inc. for you?
High Risk, Low Return
Absolute
Risk Adjusted
Volatility
Carver Bancorp, Inc.
24.04%
-0.12
121.57%
S&P 500
22.61%
1.71
13.21%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
11.16%
EBIT Growth (5y)
-34.38%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
0
Pledged Shares
0
Institutional Holding
16.46%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
NA (Loss Making)
Industry P/E
Price to Book Value
0.43
EV to EBIT
-2.43
EV to EBITDA
-2.58
EV to Capital Employed
0.63
EV to Sales
0.70
PEG Ratio
NA
Dividend Yield
NA
ROCE (Latest)
-25.82%
ROE (Latest)
-35.73%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bullish
Mildly Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Mildly Bearish (Daily)
KST
Mildly Bullish
Mildly Bullish
Dow Theory
No Trend
Mildly Bearish
OBV
Mildly Bullish
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend12What is working for the Company
OPERATING CASH FLOW(Y)
Highest at USD -1.81 MM
NET PROFIT(HY)
Higher at USD -3.24 MM
GROSS NPA (%)
(Q
CREDIT DEPOSIT RATIO(HY)
Highest at 96.92%
-2What is not working for the Company
NET SALES(Q)
Lowest at USD 8.19 MM
Here's what is working for Carver Bancorp, Inc.
Non Performing Loans (%)
Lowest at 3.25%
in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are falling
Non Performing Loans (%)
Net Profit
Higher at USD -3.24 MM
than preceding 12 month period ended Mar 2026MOJO Watch
In the half year the company has already crossed Net Profit of the previous twelve months
Net Profit (USD MM)
Net Profit
At USD -3.24 MM has Grown at 65.63%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
Operating Cash Flow
Highest at USD -1.81 MM
in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (USD MM)
Credit Deposit Ratio
Highest at 96.92%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets
Credit Deposit Ratio (%)
Here's what is not working for Carver Bancorp, Inc.
Net Sales
Lowest at USD 8.19 MM
in the last five periodsMOJO Watch
Near term sales trend is negative
Net Sales (USD MM)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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