Carver Bancorp (CARV): New York CDFI/MDI Banking Franchise, Digital Lending Expansion & Peer Valuation vs. BFC, CZWI, URSB
CARV
Carver Bancorp, Inc. (Nasdaq: CARV) is the holding company for Carver Federal Savings Bank, a federally chartered savings bank headquartered in Harlem, New York, designated as both a Community Development Financial Institution (CDFI) and one of the nation's most prominent Minority Depository Institutions (MDIs). Under CEO Donald Felix, Carver has focused on modernizing digital banking channels, expanding small-business SBA and commercial lending across New York City's boroughs, and leveraging corporate deposit partnerships.
At a Nasdaq market capitalization of just $8.87 million, Carver Bancorp trades at a steep discount to its underlying deposit franchise and regulatory capital base, offering asymmetric re-rating potential as loan origination margins and operating efficiency improve.
Sector Peer Valuation & Catalyst Comparison
| Ticker | Company | Exchange | Market Cap | Primary Catalyst / Focus |
|---|---|---|---|---|
| CARV (Subject) | Carver Bancorp, Inc. | Nasdaq | $8.87M | Minority Depository Institution (MDI) & CDFI Urban Banking (2026-08-19 10-Q) |
| BDGE | Dime Community Bancshares (DCOM) | Nasdaq | $1.15B | Greater New York metro commercial & multifamily banking |
| URSB | United Roosevelt Bancorp | OTCQX | $20.9M | New York / New Jersey metro community banking |
| CBKM | Consumers Bancorp, Inc. | OTCQX | $64.5M | Community commercial & retail banking |
Verified SEC EDGAR Filing Metrics (CARV · CIK 0001016178)
| Form | Filing Date | Disclosure Scope | EDGAR Source |
|---|---|---|---|
| 8-K | 2025-11-18 | SEC Form 8-K (Items: 3.01,9.01) | View EDGAR Filing → |
| 10-Q | 2025-11-13 | SEC Form 10-Q | View EDGAR Filing → |
| 8-K | 2025-11-05 | SEC Form 8-K (Items: 8.01,9.01) | View EDGAR Filing → |
| 10-Q | 2025-08-13 | SEC Form 10-Q | View EDGAR Filing → |
| 10-K | 2025-06-24 | SEC Form 10-K | View EDGAR Filing → |
| 8-K | 2025-05-16 | SEC Form 8-K (Items: 1.01,9.01) | View EDGAR Filing → |
| 10-Q | 2025-02-13 | SEC Form 10-Q | View EDGAR Filing → |
| 8-K/A | 2025-01-27 | SEC Form 8-K/A (Items: 5.07,8.01,9.01) | View EDGAR Filing → |
What Active Traders & Microcap Desks Are Watching Next
Microcap financial traders and impact-oriented family offices are watching core deposit retention, commercial loan origination yields across the New York metro footprint, and non-interest expense reductions.
Primary sources (SEC EDGAR)
CARV Form 8-K (2025-11-18): https://www.sec.gov/Archives/edgar/data/1016178/000094337425000480/form8k_111825.htmCARV Form 10-Q (2025-11-13): https://www.sec.gov/Archives/edgar/data/1016178/000101617825000021/carv-20250930.htmCARV Form 8-K (2025-11-05): https://www.sec.gov/Archives/edgar/data/1016178/000110465925107105/tm2530395d1_8k.htmCARV Form 10-Q (2025-08-13): https://www.sec.gov/Archives/edgar/data/1016178/000101617825000015/carv-20250630.htmSee the dilution and promotion flags before you see the pitch.
Each week: the micro and small-caps now showing dilution or paid-promotion signals, with the SEC filing behind every flag. No recommendations, no price targets.