Carver Bancorp Inc (CARV) fair value: what the stock is really worth
As of Sep 24, 2026: fair value of Carver Bancorp Inc $3.47, price $1.72, upside +102.3%, quality 20 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 23, 2026.
How to read this chart
60‑month range $1.17 – $26.50 · fair‑value band $2.58 – $5.18 · the $1.72 price screens below the $3.47 fair value. Dashed = 300-day average. As of Sep 23, 2026.
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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.
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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.
Stock analysis
Carver Bancorp Inc (CARV) currently trades at $1.72, while our model-based Fair Value estimate is $3.47, implying the stock looks roughly 50.6% undervalued today.
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Valuation
How firm this estimate is: it rests on 1 models at a data quality of 95/100, which puts the evidence level at low.
Scenario range: $2.58 (bear) to $5.18 (bull), the price of $1.72 sits below it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 20/100 (below-average quality), in the Financial Services sector.
Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Carver Bancorp Inc reported revenue of $37.4M in FY2025 versus $26.5M in FY2021, a compound +9.0%/yr. Reported net income was −$13.7M in FY2025.
Key figures
Market cap $8.9M · P/S ratio 0.36 · EPS (TTM) $−2.49 · Net margin −36.8% · Return on equity −39.0% · Return on assets (EBIT) −0.7% · Operating margin −34.7% · Revenue (TTM) $22.3M.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 27 out of 100 (low confidence).
What moves the price
The share trades about 53% below its 52-week high and 47% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −36% fair-value upside, at 102%, CARV screens cheaper than that median.
Fair Value models
Bear $2.58Fair Value $3.47Bull $5.18
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target.Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.24/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
−8.3%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+7.3%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+8.1%
Start year 2020 (pandemic). Over 10 years: +3.0% a year
Revenue growth 30 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+2.0%
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Profit margin (trend) ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.
−21.4% (2020) → −36.8% (2025)
What shareholders gained per year ⓘWe only publish this rate when it is defensible. Reason: fiscal 2025 is a loss year, no rate is defined from a loss
Price, fair value, quality and upside side by side.
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 1076 stocks
Beats the industry median on 3/9 measures
Overall it trails its industry peers.
Valuation
Quality Score21 · Bottom 25%
Fair Value upside+102% · Top 25%
Profitability
Return on assets−2% · Bottom 25%
Net margin (TTM)−58% · Bottom 25%
Operating margin (TTM)−35% · Bottom 25%
Growth and dividend
Revenue growth5% · Below median
Balance sheet
Debt / equity0.68× · Above median
Valuation Multiplesvs Banks - Regional median · lower = cheaper
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Is Carver Bancorp Inc (CARV) overvalued or undervalued?
As of Sep 23, 2026, our model estimates a fair value of $3.47 versus a price of $1.72, about +102% upside (undervalued).
What is the fair value of CARV?
Our model-based fair value for Carver Bancorp Inc is $3.47 (as of Sep 23, 2026), built from audited fundamentals. The current price: $1.72.
What is the quality score of CARV?
Carver Bancorp Inc has a Quality Score of 20/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Carver Bancorp Inc (CARV)?
Our model-based price target is the fair value of $3.47 (as of Sep 23, 2026) from 1 valuation models. Cautious scenario $2.58, optimistic scenario $5.18. It is a calculation from audited fundamentals, not an analyst target.
What is the Carver Bancorp Inc stock forecast for 2026?
Our models put fair value at $3.47, about +102% upside versus a price of $1.72 (undervalued). Cautious scenario $2.58, optimistic scenario $5.18. The calculation is refreshed regularly with new filings.
What is the revenue of Carver Bancorp Inc (CARV)?
Carver Bancorp Inc reported trailing-twelve-month revenue of about $22.3M (latest available figure, as of Sep 23, 2026).
What is the intrinsic value of Carver Bancorp Inc (CARV)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Carver Bancorp Inc it is $3.47 per share (as of Sep 23, 2026), against a price of $1.72. It is the blended result of 1 valuation models (cash flow, earnings, asset, dividend).
Is Carver Bancorp Inc stock overvalued or undervalued in 2026?
As of Sep 23, 2026, CARV trades below its calculated fair value: price $1.72, fair value $3.47, a gap of about +102% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of CARV?
No. The price is what the market pays today ($1.72); the fair value is what the company's own numbers justify ($3.47). For Carver Bancorp Inc the two are $1.75 per share apart. That gap is exactly why we show both numbers side by side.
How much is Carver Bancorp Inc worth?
The market values Carver Bancorp Inc at about $8.9M (market capitalisation, as of Sep 23, 2026). Per share that is $1.72; our models calculate a fair value of $3.47 per share.
What do the bullish and bearish scenarios say about CARV?
Our models span a range for Carver Bancorp Inc: cautious scenario $2.58, base $3.47, optimistic $5.18 per share (as of Sep 23, 2026, price $1.72). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of Carver Bancorp Inc (CARV)?
Balance-sheet figures for Carver Bancorp Inc (as of Sep 23, 2026): return on equity −39.0%, debt of 0.68 per unit of equity. They feed the Quality Score of 20/100, which measures business quality independently of the share price.
How far is CARV from its 52-week high?
Carver Bancorp Inc trades at $1.72, about 53% below its 52-week high of $3.64 and 47% above the low of $1.17 (as of Sep 24, 2026). Distance from the high says nothing about value: that is what the fair value of $3.47 is for.
Which stocks are comparable to Carver Bancorp Inc?
From the same area (Financial Services) we also value DBS Group, China Merchants Bank Co, UniCredit S.p.A, Intesa Sanpaolo S.p.A, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Carver Bancorp Inc stock attractive at the current price?
The data as of Sep 23, 2026: price $1.72, calculated fair value $3.47 (+102%), Quality Score 20/100, from 1 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of CARV calculated?
We run Carver Bancorp Inc through 1 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $3.47, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.0 % above its aggregate fair value. Carver Bancorp Inc currently trades 102 % below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Carver Bancorp Inc (CARV)?
The closing price on Sep 24, 2026 was $1.72. Our model-based fair value is $3.47, about +102% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Carver Bancorp Inc right now?
The large discount to fair value meets weak quality (20/100). That raises the risk this is a value trap rather than a bargain. The price is below even our cautious bear case ($2.58). The market is more pessimistic than our downside scenario. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution. A fairly wide model range ($2.58 to $5.18) leaves room in how you read the outcome.
Key figures of Carver Bancorp Inc
How large is the market capitalisation of Carver Bancorp Inc (CARV)?
The market capitalisation of Carver Bancorp Inc is $8.9M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Carver Bancorp Inc (CARV)?
The price-to-sales ratio of Carver Bancorp Inc is 0.36 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Carver Bancorp Inc (CARV)?
Earnings per share at Carver Bancorp Inc are $−2.49. Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Carver Bancorp Inc (CARV)?
The net margin of Carver Bancorp Inc is −36.8% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Carver Bancorp Inc (CARV)?
The return on equity (ROE) of Carver Bancorp Inc is −39.0% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Carver Bancorp Inc (CARV)?
On an EBIT basis the return on assets of Carver Bancorp Inc is −0.7% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Carver Bancorp Inc (CARV)?
The operating margin of Carver Bancorp Inc is −34.7% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Carver Bancorp Inc (CARV)?
Revenue at Carver Bancorp Inc is growing +4.5% versus a year earlier (3y avg +7.3%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How much free cash flow does Carver Bancorp Inc (CARV) generate?
The free cash flow of Carver Bancorp Inc is −$12.9M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net cash does Carver Bancorp Inc (CARV) hold?
Carver Bancorp Inc holds more cash than debt, $21.2M net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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Thin data
Sep 23, 2026