Carver Bancorp, Inc. (CARV) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

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Comparison

Company

Score

Quality

Valuation

Financial

Technical

1895 Bancorp of Wisconsin, Inc.

Home Federal Bancorp, Inc. of Louisiana

PB Bankshares, Inc.

Texas Community Bancshares, Inc.

Kentucky First Federal Bancorp

Broadway Financial Corp. (California)

NSTS Bancorp, Inc.

Generations Bancorp NY, Inc.

First Seacoast Bancorp, Inc.

Carver Bancorp, Inc.

CFSB Bancorp, Inc

Why is Carver Bancorp, Inc. ?

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 -186.78%

The company has declared Negative results for the last 3 consecutive quarters

NET PROFIT(HY) At USD -4.95 MM has Grown at -124.81%
OPERATING CASH FLOW(Y) Lowest at USD -10.49 MM
GROSS NPA (%)(Q) Highest at 4.04%

Risky - Negative EBITDA

The stock is trading risky as compared to its average historical valuations
Over the past year, while the stock has generated a return of -7.19%, its profits have fallen by -122.3%

Consistent Underperformance against the benchmark over the last 3 years

Along with generating -7.19% returns in the last 1 year, the stock has also underperformed S&P 500 in each of the last 3 annual periods

Real-Time Research Report

Verdict Report

How 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.

-11.48%

-0.28

92.02%

S&P 500

13.22%

0.61

20.17%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

10.48%

EBIT Growth (5y)

-216.56%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

Pledged Shares

Institutional Holding

19.87%

ROCE (avg)

ROE (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

NA (Loss Making)

Industry P/E

Price to Book Value

0.33

EV to EBIT

0.69

EV to EBITDA

0.75

EV to Capital Employed

-0.63

EV to Sales

-0.23

PEG Ratio

Dividend Yield

ROCE (Latest)

Negative Capital Employed

ROE (Latest)

-30.87%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Mildly Bearish

Mildly Bullish

RSI

No Signal

Bollinger Bands

Bearish

Moving Averages

Mildly Bullish (Daily)

KST

Mildly Bearish

Mildly Bullish

Dow Theory

No Trend

Mildly Bullish

OBV

No Trend

Mildly Bullish

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

10What is working for the Company

OPERATING PROFIT(Q)

Highest at USD -1.18 MM

OPERATING PROFIT MARGIN(Q)

Highest at -12.79 %

PRE-TAX PROFIT(Q)

Highest at USD -1.18 MM

NET PROFIT(Q)

Highest at USD -1.18 MM

EPS(Q)

Highest at USD -0.22

-15What is not working for the Company

NET PROFIT(HY)

At USD -4.95 MM has Grown at -124.81%

OPERATING CASH FLOW(Y)

Lowest at USD -10.49 MM

GROSS NPA (%)

CREDIT DEPOSIT RATIO(HY)

Lowest at 93.76%

Here's what is working for Carver Bancorp, Inc.

Operating Profit

Highest at USD -1.18 MM

in the last five periods

MOJO Watch

Near term Operating Profit trend is positive

Operating Profit (USD MM)

Operating Profit Margin

Highest at -12.79 %

in the last five periods

MOJO Watch

Company's profit margin has improved

Operating Profit to Sales

Pre-Tax Profit

Highest at USD -1.18 MM

in the last five periods

MOJO Watch

Near term Pre-Tax Profit trend is positive

Pre-Tax Profit (USD MM)

Pre-Tax Profit

At USD -1.18 MM has Grown at 65.75%

over average net sales of the previous four periods of USD -3.44 MM

MOJO Watch

Near term Pre-Tax Profit trend is positive

Pre-Tax Profit (USD MM)

Net Profit

Highest at USD -1.18 MM

in the last five periods

MOJO Watch

Near term Net Profit trend is positive

Net Profit (USD MM)

Net Profit

At USD -1.18 MM has Grown at 65.75%

over average net sales of the previous four periods of USD -3.44 MM

MOJO Watch

Near term Net Profit trend is positive

Net Profit (USD MM)

EPS

Highest at USD -0.22

in the last five periods

MOJO Watch

Increasing profitability; company has created higher earnings for shareholders

EPS (USD)

Here's what is not working for Carver Bancorp, Inc.

Non Performing Loans (%)

Highest at 4.04% and Grown

In each half year in the last four Semi-Annual periods

MOJO Watch

Proportion of stressed loans given by the bank are increasing

Non Performing Loans (%)

Operating Cash Flow

Lowest at USD -10.49 MM and Fallen

In each year in the last three years

MOJO Watch

The company's cash revenues from business operations are falling

Operating Cash Flows (USD MM)

Credit Deposit Ratio

Lowest at 93.76%

in the last four Semi-Annual periods

MOJO Watch

Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets

Credit Deposit Ratio (%)