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

Comparison

Company

Score

Quality

Valuation

Financial

Technical

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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 -39.93%

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

GROSS NPA (%)(Q) Highest at 5.67%
CASH AND EQV(HY) Lowest at USD 85.59 MM

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 11.45%, its profits have risen by 8.7%

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.

11.45%

-0.27

111.12%

S&P 500

14.9%

0.77

19.29%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

11.16%

EBIT Growth (5y)

-34.38%

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

16.46%

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

0.43

EV to EBIT

-2.43

EV to EBITDA

-2.58

EV to Capital Employed

0.63

EV to Sales

0.70

PEG Ratio

Dividend Yield

ROCE (Latest)

-25.82%

ROE (Latest)

-35.73%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Bearish

Mildly Bullish

RSI

No Signal

Bollinger Bands

Mildly Bearish

Moving Averages

Bearish (Daily)

KST

Mildly Bullish

Dow Theory

No Trend

OBV

Mildly Bullish

No Trend

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

11What is working for the Company

OPERATING CASH FLOW(Y)

Highest at USD -8 MM

CREDIT DEPOSIT RATIO(HY)

Highest at 99.74%

PRE-TAX PROFIT(Q)

At USD -1.71 MM has Grown at 47.56%

NET PROFIT(Q)

At USD -1.71 MM has Grown at 47.56%

-5What is not working for the Company

GROSS NPA (%)

CASH AND EQV(HY)

Lowest at USD 85.59 MM

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

Operating Cash Flow

Highest at USD -8 MM and Grown

In each year in the last three years

MOJO Watch

The company has generated higher cash revenues from business operations

Operating Cash Flows (USD MM)

Pre-Tax Profit

At USD -1.71 MM has Grown at 47.56%

over average net sales of the previous four periods of USD -3.26 MM

MOJO Watch

Near term Pre-Tax Profit trend is positive

Pre-Tax Profit (USD MM)

Net Profit

At USD -1.71 MM has Grown at 47.56%

over average net sales of the previous four periods of USD -3.26 MM

MOJO Watch

Near term Net Profit trend is positive

Net Profit (USD MM)

Credit Deposit Ratio

Highest at 99.74%

in the last four Semi-Annual periods

MOJO 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.

Non Performing Loans (%)

Highest at 5.67% 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 (%)

Cash and Eqv

Lowest at USD 85.59 MM

in the last six Semi-Annual periods

MOJO Watch

Short Term liquidity is deteriorating

Cash and Cash Equivalents

Capital Adequacy Ratio

Lowest at 10.32%

in the last five periods

MOJO Watch

The Bank's capital base vs its risk assets is deteriorating.

CAR (%)