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Carver Bancorp, Inc (CARV) Fair Value & Analysis

Financial Services · US · Market cap $7.9M

Price$1.48
Fair Value$1.21
Upside-18.3%
Quality95/100
Evidence: Low Range $1.12 – $1.34

Fair value as of: Jun 26, 2026

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Analysis

Carver Bancorp, Inc (CARV) currently trades at $1.48, while our model-based Fair Value estimate is $1.21 — implying the stock looks roughly 18.3% overvalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium — the entry price still matters most (evidence: low).

About the company

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 provides lending products, such as one-to-four family residential, multifamily real estate, and commercial real estate lending; and construction and business 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 transfers, bill payment, reloadable prepaid card, and money order services. Carver Bancorp, Inc. was founded in 1948 and is headquartered in New York, New York.

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Frequently asked questions

Is Carver Bancorp, Inc (CARV) undervalued?
As of Jun 26, 2026, our model estimates a fair value of $1.21 versus a price of $1.48 — about −18% (overvalued). Model-based estimate, not financial advice.
What is the fair value of CARV?
Our 21-model fair value for Carver Bancorp, Inc is $1.21 (as of Jun 26, 2026), built from audited fundamentals. The current price is $1.48.
What is the quality score of CARV?
Carver Bancorp, Inc has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.