Carver Bancorp, Inc.

AI-generated fair value estimate for this company.

Method: Explicit 10-year cash-flow model for a distressed small community bank: cash flows of -$3M (yr1) improving toward a sustainable $1M/year by yr5-10 as the bank normalizes profitability; 12% discount rate; 1% terminal growth; no separate net-debt deduction (bank deposits/borrowings are core to the business and net income already reflects interest costs); 5.26M shares outstanding.

Reasoning: Carver Bancorp is a small, currently loss-making community bank, so rather than apply a DCF to negative current earnings I modeled a gradual path back to modest sustainable profitability; the result is well below book value per share, reflecting the bank's weak current returns and capital-adequacy risk.