CARV · bank / insurer · relative-multiples view
Carver Bancorp, Inc. (CARV): Valuation Snapshot
Carver Bancorp, Inc. (CARV) is a bank, insurer or other financial, and a discounted-cash-flow model is the wrong lens for one, so TickerWorth does not publish a DCF fair value for it. What its filings and market data do show is below. Snapshot as of Oct 19, 2026.
Model by Miraaj Patel · generated from public market data · Updated Oct 19, 2026 · How these pages are made
How is a bank like CARV valued?
This is a bank / insurer / financial. A free-cash-flow DCF is structurally the wrong lens here (their debt and float are raw material, not financing), so we don't publish one. Our bank model (justified price-to-book) declined to value it too: return on equity is -25.2% — zero or negative.
The model would extrapolate a loss year into perpetuity, so we don't publish it. The price-to-book and price-to-earnings figures below are context for comparison, not a fair value.
Bank model (justified price-to-book)
Not published. Return on equity is -25.2% — zero or negative. The model would extrapolate a loss year into perpetuity, so we don't publish it.
What is CARV's TickerWorth Score?
Middle of the pack — real strengths and real weaknesses
Compared with Financial Services companies in US
Its strongest point: growing quickly. Its weakest: profitability is weak.
- Value · 64 of 100
Cheaper than 64% of Financial Services companies in US
- Price vs worth · — of 100
- Quality · 6 of 100
More profitable than 6% of Financial Services companies in US
- Financial health · 49 of 100
Financially stronger than 49% of Financial Services companies in US
- Growth · 87 of 100
Growing faster than 87% of Financial Services companies in US
- Momentum · 25 of 100
Outperformed 25% of Financial Services companies in US over the past year
Confidence: Low confidence · Scored
Get the Undervalued Company of the Week.
- Price
- $1.56
- Market cap
- $9,
095, 659 - 52-week high
- $3.85
- 52-week low
- $1.07
- Currency
- USD
- Exchange
- OTC Markets OTCQB
Snapshot of Oct 19, 2026, quote time not published · Prices are delayed.
What we can say
Carver Bancorp, Inc. (CARV) is a bank, insurer or other financial, and a free-cash-flow discounted-cash-flow (DCF) model is structurally the wrong lens for it: for these businesses debt and float are raw material, not financing, so there is no meaningful 'free cash flow' to discount. Instead of a misleading intrinsic-value number, this page reads CARV the way financials are actually valued — on relative multiples such as price-to-earnings and, above all, price-to-book — plus a plain description of where the stock trades. It is a descriptive snapshot, not a valuation, and not investment advice.
Read the full reasoning
On the numbers we do have, CARV trades at a recent price of $1.56, a market capitalisation of about $9,095,659, sitting 18% of the way up its 52-week range ($1.07–$3.85), on the OTC Markets OTCQB.
The standard alternative to a DCF is relative valuation — comparing CARV's trading multiples against a sector benchmark. Here that gives P/B of 3.1× (richer than the peer median of 2.6×); P/S of 0.3× (cheaper than the peer median of 4.7×). A cheaper multiple than peers can flag a discount or a market that expects weaker growth; it is a comparison, not a recommendation.
The asset, or book-value, lens is the classic tool for asset-heavy businesses and financials. CARV shows a price-to-book (P/B) of 3.08 and book value of $0.51 per share. Price-to-book compares the market price to the accounting net-asset value per share; below 1.0 can mean a discount to net assets or that the market is pricing in trouble — descriptive either way, never a buy signal on its own.
Finally, a price-based read — explicitly not a valuation. CARV is in a mixed trend, trading -59.5% from its 52-week high. Over the past year the stock is -38.8%. Moving-average trend and 52-week position describe where the stock has traded; they say nothing about what it is worth.
To be exact about what this page is not: we are not saying the numbers for CARV are unavailable. They are, and they are above. We are saying a discounted-cash-flow model is the wrong instrument for this kind of business, and publishing one anyway — because the inputs happen to exist — would be a precise answer to the wrong question.
This is a very small-cap listing — reported figures can be sparse, stale or volatile, and a few large trades can move the price sharply. It trades thinly (low average volume), so quoted prices and any derived metrics should be treated with extra caution. Refusing is the more useful answer, and it is the same rule we apply to every name in this category.
CARV vs peers
Sector benchmark (bellwethers, not direct competitors).
| Multiple | CARV | Peer median | Read |
|---|---|---|---|
| P/B | 3.1× | 2.6× | richer than |
| P/S | 0.3× | 4.7× | cheaper than |
What does Carver Bancorp, Inc. do?
What does it do?
Carver Bancorp, Inc. operates as the holding company for Carver Federal Savings Bank that focuses on community banking. It operates in the Banks - Regional industry (Financial Services sector), headquartered in United States.
How does it make money?
The business turns $3M in annual revenue into profit. Out of every $100 of sales, about $0 is left as operating profit (operating margin of -19.6%), after a 0% gross margin on the products/services it sells. After all costs, taxes and interest, -25.1% of revenue becomes bottom-line net profit.
Is it financially healthy?
Financially it looks mixed: is currently lossmaking.
Who at CARV filed insider trades?
| Date | Insider | Relationship | What happened | Value | Filing |
|---|---|---|---|---|---|
| Felix Donald | President and CEO | Grant / award | — | Form 4 for Felix Donald (opens sec.gov in a new tab) | |
| Felix Donald | President and CEO | Open-market buy | $44,999.82 | Form 4 for Felix Donald (opens sec.gov in a new tab) | |
| Knuckles Kenneth | Director | Open-market buy | $14,999.94 | Form 4 for Knuckles Kenneth (opens sec.gov in a new tab) | |
| MacKay Craig C | Director | Open-market buy | $99,999.60 | Form 4 for MacKay Craig C (opens sec.gov in a new tab) | |
| Grannum Colvin | Director | Open-market buy | $19,999.92 | Form 4 for Grannum Colvin (opens sec.gov in a new tab) | |
| JACKSON PAZEL G JR | Director | Open-market buy | $14,999.94 | Form 4 for JACKSON PAZEL G JR (opens sec.gov in a new tab) |
A disclosure, not a signal to trade. Source: SEC EDGAR (Form 4). Older filings and the 90-day buying-and-selling read are part of Pro. See plans
Companies we do put a number on
Not investment advice. TickerWorth Score is a model output.
A descriptive, available-data snapshot and relative comparison — NOT a DCF, NOT a price target, and NOT investment advice. TickerWorth is not a licensed investment adviser, and these figures are estimates from public market data that can be wrong, stale or incomplete.