Carver Bancorp, Inc. (CARV) Fair Value 2026

CARV · Banks - Regional ·

By CirclFi Research Team · Data from SEC EDGAR, FRED & GDELT

Quality Score

5.7 /10

32 fundamental signals · 0 models active

Value Trap Risk

SAFE (22/100)

Quick Summary — As of 2026-08-27, Carver Bancorp, Inc. (CARV) trades at $1.65. QOC: 5.7/10. Value Trap Risk: 22/100 (SAFE). 0/13 models active.

Key Facts

Ticker
CARV
Price
$1.65
Quality Score
5.7/10
Value Trap Risk
22/100
Models Active
0/13
Last Updated
Strength: 0 independent models provide multi-angle coverage
Risk: Limited model coverage (0/13) may reduce confidence

What Fair Value Does Each Model Give CARV?

0 Intrinsic Value Models vs. Current Price ($1.65)

Core Models (Unlocked)
Model Fair Value Upside

All Models Active

All 0 models are displayed above.

What Is Carver Bancorp, Inc. (CARV) Worth in 2026?

According to the CirclFi Deep Alpha Valuation Engine, Carver Bancorp, Inc. currently lacks sufficient data across our 13-model framework. As more financial data is processed from SEC filings, our models will generate intrinsic value estimates.

What Do the Models Say About CARV?

0 of 13 models are currently active for CARV. See which stocks rank higher →

How Does CARV Rank in Banks - Regional?

Among 349 Banks - Regional stocks, CARV ranks #333 by Quality of Company score. CirclFi's QOC score of 5.7/10 evaluates 32 fundamental signals. A score of 5.7 reflects mixed fundamentals.

See all Most Undervalued Banks - Regional Stocks →

The Banks - Regional sector introduces analytical considerations specific to banking businesses. For Carver Bancorp, Inc., metrics like loan loss provisions provide important context that general-purpose valuation models may underweight.

Is CARV a Value Trap?

CirclFi's Value Trap algorithm assigns CARV a score of 22/100 (SAFE). This indicates minimal risk. Fundamentals are healthy. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →

Multi-Model Methodology

0 of 13 models are active for Carver Bancorp, Inc.. Limited activation may indicate insufficient history. Each model applies a fundamentally different valuation philosophy. See the complete methodology →

According to the CirclFi Deep Alpha Valuation Engine, Carver Bancorp, Inc. scores 5.7 out of 10 on our 32-signal quality assessment, a solid rating that maintains reasonable quality metrics with some areas for improvement. The QOC score synthesizes profitability margins, revenue growth reliability, debt management, and capital allocation into a single metric designed to separate durable businesses from statistically cheap ones.

CirclFi runs 13 independent models for each stock. Browse all stocks with 13-model coverage →

Data Sources & Confidence

Every CARV valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →

CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →

This analysis is produced by the CirclFi Valuation Engine using quantitative models applied to SEC EDGAR filings, public market feeds, and FRED macroeconomic indicators. It is not financial advice.

Read the full investment analysis: Should You Buy Carver Bancorp, Inc. Stock in 2026? →

Bull case, bear case, risk factors & peer comparison — updated daily

Which Similar Banks - Regional Stocks Should You Also Analyze?

11 related Banks - Regional stocks with 13-model coverage

MFBIMonroe Federal Bancorp, Inc.QOC 5.7FCBMFirst Carolina Financial Services, Inc.QOC 5.5PBHCPathfinder Bancorp, Inc.QOC 6.0PNBKPatriot National Bancorp, Inc.QOC 5.4BCOW1895 Bancorp of Wisconsin, Inc.QOC 6.1MGNOMagnolia Bancorp, Inc.QOC 5.4BOTJBank of the James Financial Group, Inc.QOC 8.4LSBKLake Shore Bancorp, Inc.QOC 8.1PFSBPFS Bancorp, Inc.QOC 7.6ESQEsquire Financial Holdings, Inc.QOC 9.1PEBOPeoples Bancorp Inc.QOC 9.1

Read investment analysis: MFBI · FCBM · PBHC · PNBK · BCOW · MGNO · BOTJ · LSBK · PFSB · ESQ · PEBO

Which Other Stocks Have a Similar Quality Score to CARV?

6 companies across all industries closest to CARV’s Quality of Company score of 5.7/10.

VRNOVerano Holdings Corp.QOC 5.7GFLTGenFlat Holdings, Inc.QOC 5.7QURTQuarta-Rad, Inc.QOC 5.7FTREFortrea Holdings Inc.QOC 5.7FLZHFlash Sports & Media Holdings, Inc.QOC 5.7NVDANVIDIA CorporationQOC 10.0

Read investment analysis: VRNO · GFLT · QURT · FTRE · FLZH · NVDA

Where Does CARV Sit in CirclFi's Banks - Regional Rankings?

CARV is ranked against every other Banks - Regional stock CirclFi covers in each of these screens.

See all Banks - Regional stocks ranked →

What Else Do Investors Ask About Carver Bancorp, Inc.’s Valuation?

What is Carver Bancorp, Inc.'s intrinsic value in 2026?

CirclFi does not yet have enough active models to publish a median fair value for Carver Bancorp, Inc. (CARV). The Quality of Company score is 5.7/10 across 32 fundamental signals. All models use SEC EDGAR filings updated daily. See our methodology page for how each model works.

Is CARV overvalued or undervalued right now?

At $1.65, 0 of 0 active models suggest CARV may be undervalued, while 0 indicate potential overvaluation. The assessment depends on which methodology best fits Carver Bancorp, Inc.'s business model in Banks - Regional.

What does a Quality of Company score of 5.7 mean for CARV?

Carver Bancorp, Inc.'s QOC of 5.7/10 reflects 32 fundamental signals: profitability margins, revenue growth consistency, balance sheet leverage, free cash flow generation, and capital allocation efficiency. Scores between 5-7 reflect moderate fundamentals with areas for improvement.

How many valuation models does CirclFi run on CARV?

CirclFi analyzes CARV with 13 institutional-grade models daily: Bayesian DCF (Monte Carlo + jump-diffusion), EPV (Greenwald zero-growth), EROIC Spread (McKinsey reinvestment), First Chicago (3-scenario), Markov DDM (regime-switching), ML-RIV (machine learning residual income), Dynamic NAV (asset-based), PWERM (option-theoretic), Regime Cross-Sectional (relative), Sentiment SOTP (hybrid), CUCE Ensemble (meta-model), FTNN Topology (neural network), and RCMH-DCF (conditional regime). Currently 0 of 13 are active for this stock. Read the full methodology →

Is CARV a value trap in 2026?

Carver Bancorp, Inc.'s Value Trap score is 22/100 (SAFE). This low score indicates the current valuation is not artificially depressed by fundamental deterioration, suggesting genuine opportunity rather than a trap. Browse stocks by value-trap risk →

Cite this analysis — “CirclFi assigns Carver Bancorp, Inc. (CARV) a Quality of Company score of 5.7/10 across 32 fundamental signals as of 2026-08-27.” Source: circlfi.com/stock/CARV/ · Methodology
Primary sources for this CARV valuation
  • Financial statements: Carver Bancorp, Inc. 10-K and 10-Q filings on SEC EDGAR (CIK 0001016178) — 700+ standardized XBRL tags, published by the U.S. Securities and Exchange Commission.
  • Discount-rate inputs: FRED, Federal Reserve Bank of St. Louis — risk-free rates, VIX, yield curve, inflation.
  • News sentiment: The GDELT Project — global media tone, input to the Sentiment SOTP model.
  • Model definitions: CirclFi methodology — the published specification for all 13 models, including the academic sources each one implements.

Market data for CARV as of ; valuations recomputed .