Carver Bancorp (CARV) & Charter Financial Corp (Maryland) (CHFN) Financial Contrast

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Carver Bancorp (NASDAQ:CARV) and Charter Financial Corp (Maryland) (NASDAQ:CHFN) are both finance companies, but which is the better investment? We will contrast the two companies based on the strength of their earnings, risk, institutional ownership, dividends, profitability, valuation and analyst recommendations.

Profitability

This table compares Carver Bancorp and Charter Financial Corp (Maryland)’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Carver Bancorp 9.25% 89.56% 0.54%
Charter Financial Corp (Maryland) N/A N/A N/A

Dividends

Charter Financial Corp (Maryland) pays an annual dividend of $0.34 per share and has a dividend yield of 1.4%. Carver Bancorp does not pay a dividend. Charter Financial Corp (Maryland) has raised its dividend for 3 consecutive years.

Analyst Recommendations

This is a breakdown of recent ratings and recommmendations for Carver Bancorp and Charter Financial Corp (Maryland), as reported by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Carver Bancorp 0 0 0 0 N/A
Charter Financial Corp (Maryland) 0 1 0 0 2.00

Charter Financial Corp (Maryland) has a consensus price target of $24.00, indicating a potential downside of 3.65%. Given Charter Financial Corp (Maryland)’s higher probable upside, analysts clearly believe Charter Financial Corp (Maryland) is more favorable than Carver Bancorp.

Earnings & Valuation

This table compares Carver Bancorp and Charter Financial Corp (Maryland)’s gross revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Carver Bancorp $38.72 million 0.35 $5.35 million N/A N/A
Charter Financial Corp (Maryland) N/A N/A N/A N/A N/A

Carver Bancorp has higher revenue and earnings than Charter Financial Corp (Maryland).

Institutional and Insider Ownership

19.9% of Carver Bancorp shares are held by institutional investors. Comparatively, 66.6% of Charter Financial Corp (Maryland) shares are held by institutional investors. 0.2% of Carver Bancorp shares are held by insiders. Comparatively, 12.1% of Charter Financial Corp (Maryland) shares are held by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock is poised for long-term growth.

Summary

Charter Financial Corp (Maryland) beats Carver Bancorp on 5 of the 9 factors compared between the two stocks.

About Carver Bancorp

Carver Bancorp, Inc. operates as a holding company for Carver Federal Savings Bank, a federally chartered savings bank that provides consumer and commercial banking services for consumers, businesses, 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 also provides one-to-four family residential, multifamily real estate, and commercial real estate lending products, as well as construction, business, and consumer and other loans. In addition, it offers other consumer and commercial banking products and services, including debit card, online banking, online bill pay, and telephone banking, as well as check cashing, wire transfer, bill payment, reloadable prepaid card, and money order services. The company operates through one administrative office, nine branches, and three ATM locations. Carver Bancorp, Inc. was founded in 1948 and is headquartered in New York, New York.

About Charter Financial Corp (Maryland)

Charter Financial Corporation operates as the holding company for CharterBank, a federally-chartered savings bank that provides various banking products and services to individuals and businesses in the United States. The company's deposit products include checking, money market, regular savings, and term certificate accounts, as well as noninterest-bearing demand deposits. It also offers commercial real estate loans, one- to four-family residential mortgage loans, construction loans, and investment securities; and commercial business loans, home equity loans, and lines of credit, as well as other consumer loans, including loans on deposits, automobile loans, mobile home loans, and various other installment loans. In addition, the company provides various community banking services, such as online banking and bill payment services, mobile banking, online cash management, safe deposit box rentals, and debit and ATM card services. It operates through a network of 22 branch offices in Metro Atlanta, the I-85 corridor south to Auburn, Alabama, and the Florida Gulf Coast. The company was founded in 1954 and is based in West Point, Georgia.

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