Carver Bancorp Company Insiders

CARV Stock  USD 2.76  0.23  9.09%   
Carver Bancorp employs about 109 people. The company is managed by 7 executives with a total tenure of roughly 34 years, averaging almost 4.0 years of service per executive, having 15.57 employees per reported executive. Recap of Carver Bancorp's management performance can provide insight into the venture performance.
Craig MacKay  CEO
CEO President
Michael Pugh  CEO
CEO and Pres
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Carver Bancorp's Workforce Through the Years

Please note that employee historical analysis has become an increasingly important factor for investors assessing the risk associated with Carver Bancorp's future performance. Based on our forecasts, it is anticipated that Carver will maintain a workforce of slightly above 110 employees by August 2025.
 
Dot-com Bubble
 
Housing Crash
 
Credit Downgrade
 
Yuan Drop
 
Covid

Carver Bancorp Management Team Effectiveness

The company has return on total asset (ROA) of (0.0185) % which means that it has lost $0.0185 on every $100 spent on assets. This is way below average. Similarly, it shows a return on stockholder's equity (ROE) of (0.3824) %, meaning that it created substantial loss on money invested by shareholders. Carver Bancorp's management efficiency ratios could be used to measure how well Carver Bancorp manages its routine affairs as well as how well it operates its assets and liabilities. Return On Tangible Assets is likely to climb to -0.24 in 2025. Return On Capital Employed is likely to climb to -0.27 in 2025. At this time, Carver Bancorp's Non Currrent Assets Other are fairly stable compared to the past year. Intangible Assets is likely to climb to about 223.2 K in 2025, whereas Non Current Assets Total are likely to drop slightly above 569.3 M in 2025.
Common Stock Shares Outstanding is likely to climb to about 5.4 M in 2025, despite the fact that Net Loss is likely to grow to (724.2 K).

Carver Bancorp Workforce Comparison

Carver Bancorp is rated below average in number of employees category among its peers. The total workforce of Financials industry is currently estimated at about 3,290. Carver Bancorp holds roughly 109 in number of employees claiming about 3% of equities under Financials industry.

Carver Bancorp Profit Margins

The company has Profit Margin (PM) of (0.65) %, which may suggest that it does not properly executes on its current pricing strategies or is unable to control all of the operational costs. This is way below average. Similarly, it shows Operating Margin (OM) of (0.69) %, which suggests for every $100 dollars of sales, it generated a net operating loss of $0.69.
Current ValueLast YearChange From Last Year 10 Year Trend
Gross Profit Margin0.510.65
Significantly Down
Very volatile

Carver Bancorp Insider Trading History

Some recent studies suggest that insider trading raises the cost of capital for securities issuers and decreases overall economic growth. Trading by specific Carver Bancorp insiders, such as employees or executives, is commonly permitted as long as it does not rely on Carver Bancorp's material information that is not in the public domain. Local jurisdictions usually require such trading to be reported in order to monitor insider transactions. In many U.S. states, trading conducted by corporate officers, key employees, directors, or significant shareholders must be reported to the regulator or publicly disclosed, usually within a few business days of the trade. In these cases, Carver Bancorp insiders must file a Form 4 with the U.S. Securities and Exchange Commission (SEC) when buying or selling shares of their own companies.
 
Dot-com Bubble
 
Housing Crash
 
Credit Downgrade
 
Yuan Drop
 
Covid
Buy/Sell Ratio# Purchases Trades# Sales TradesTotal Shares PurchasedTotal Shares Sold
2022-12-01
1.0
1
1
 450.00 
 0.00 
2020-12-01
0.5
1
2
 10,000 
 500.00 
2020-09-01
4.0
8
2
 32,000 
 1,200 
2013-12-01
1.0
1
1
 135.00 
 1,000.00 
2010-09-01
3.6667
11
3
 38,500 
 0.00 
2006-12-01
9.0
9
1
 25,952 
 0.00 
2006-09-01
8.5
17
2
 5,045 
 336.00 
2006-06-01
5.0
15
3
 10,288 
 4,786 
2006-03-01
3.25
13
4
 10,910 
 6,153 
2005-12-01
2.2
11
5
 7,252 
 5,029 
2005-06-01
3.75
30
8
 45,360 
 10,965 
2004-12-01
3.8
19
5
 4,393 
 3,581 
2004-09-01
1.75
28
16
 11,221 
 11,674 
2004-06-01
20.0
40
2
 37,048 
 125,160 

Carver Bancorp Notable Stakeholders

A Carver Bancorp stakeholder refers to an individual interested in an outcome of the business. Different stakeholders have different interests, and companies such as Carver Bancorp often face trade-offs trying to please all of them. Carver Bancorp's stakeholders can have a positive or negative influence on the entity's direction, and there are a lot of executives involved in getting Carver Bancorp's stock to the level that pleases all shareholders. Keeping track of the stakeholders is a great way to stay on top of things affecting its ongoing price.
Craig MacKayCEO PresidentProfile
Michael PughCEO and PresProfile
Donald FelixCEO PresidentProfile
Isaac TorresSenior Vice President General Counsel, Corporate SecretaryProfile
Christina MaierCFO and Company and BankProfile
Jimmy MontesSenior VPProfile
Marc WinklerSenior OfficerProfile

About Carver Bancorp Management Performance

The success or failure of an entity such as Carver Bancorp often depends on how effective the management is. Carver Bancorp management team is responsible for propelling the future growth in the right direction and administering and controlling the business activities and accounting for the results. Ineffective management usually contributes to failure in the company's future performance for all stakeholders equally, but most importantly, for investors. So it is important to measure the effectiveness of Carver management before purchasing its stock. In many ways, it's all about finding the answer to one important question - Are they doing the right thing right now? How would we assess whether the Carver management is utilizing all available resources in the best possible way? Also, how well is the company doing relative to others in its sector and the market as a whole? The answer can be found by analyzing a few important fundamental indicators such as return on assets and return on equity.
Last ReportedProjected for Next Year
Return On Tangible Assets(0.25)(0.24)
Return On Capital Employed(0.29)(0.27)
Return On Assets(0.25)(0.24)
Return On Equity(0.46)(0.44)
Please note, the imprecision that can be found in Carver Bancorp's accounting process means that the reasonable investor should take a skeptical approach toward the financial statement analysis of Carver Bancorp. Check Carver Bancorp's Beneish M Score to see the likelihood of Carver Bancorp's management manipulating its earnings.

Carver Bancorp Workforce Analysis

Traditionally, organizations such as Carver Bancorp use manpower efficiency calculations for various incentive schemes, employee appraisal, or as an initiative to improve the processes. However, it can also be used by investors to make long-term investment decisions. The trends in the profit per employee or revenue per employee are measured by net income or revenue divided by the current number of full-time employees over a given time interval. Because workforce needs differ across sectors, these ratios could be used to compare Carver Bancorp within its industry.

Carver Bancorp Manpower Efficiency

Return on Carver Bancorp Manpower

Revenue Per Employee314.5K
Revenue Per Executive4.9M
Net Loss Per Employee126.1K
Net Loss Per Executive2M

Additional Tools for Carver Stock Analysis

When running Carver Bancorp's price analysis, check to measure Carver Bancorp's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Carver Bancorp is operating at the current time. Most of Carver Bancorp's value examination focuses on studying past and present price action to predict the probability of Carver Bancorp's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Carver Bancorp's price. Additionally, you may evaluate how the addition of Carver Bancorp to your portfolios can decrease your overall portfolio volatility.