Carver Bancorp (NASDAQ:CARV) and Trinity Bank, N.A. (OTCMKTS:TYBT) Critical Review

Institutional and Insider Ownership

18.2% of Carver Bancorp shares are owned by institutional investors. 1.3% of Carver Bancorp shares are owned by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company will outperform the market over the long term.

Earnings & Valuation

This table compares Trinity Bank, N.A. and Carver Bancorp”s top-line revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Trinity Bank, N.A.	$24.78 million	3.70	$8.02 million	$7.45	11.41
Carver Bancorp	$40.74 million	0.22	-$2.98 million	($0.83)	-2.06

Trinity Bank, N.A. has higher earnings, but lower revenue than Carver Bancorp. Carver Bancorp is trading at a lower price-to-earnings ratio than Trinity Bank, N.A., indicating that it is currently the more affordable of the two stocks.

Profitability

This table compares Trinity Bank, N.A. and Carver Bancorp’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Trinity Bank, N.A.	29.35%	N/A	N/A
Carver Bancorp	-9.98%	-21.91%	-0.57%

Volatility & Risk

Trinity Bank, N.A. has a beta of 0.02, suggesting that its stock price is 98% less volatile than the S&P 500. Comparatively, Carver Bancorp has a beta of 1.11, suggesting that its stock price is 11% more volatile than the S&P 500.

Summary

Trinity Bank, N.A. beats Carver Bancorp on 6 of the 10 factors compared between the two stocks.

About Trinity Bank, N.A.

Trinity Bank, N.A. provides personal and business banking products and services in Texas. It provides personal and business deposits, such as checking and money market accounts; treasury tax and loan deposits; mobile deposits; certificates of deposit; and automobile, secured/unsecured, home improvement, lots and interim construction, installment/term, equipment, and real estate loans, as well as revolving lines of credit. The company also offers cash management, internet and mobile banking, remote capture, CD ROM delivery, foreign and domestic wire transfer, and bill pay services, as well as ATM or Visa check cards, merchant cards, and debit cards. Trinity Bank, N.A. was founded in 2003 and is based in Fort Worth, Texas.

About Carver Bancorp

Carver Bancorp, Inc. operates as the holding company for Carver Federal Savings Bank that provides consumer and commercial banking services for consumers, businesses, non-profit organizations, 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 provides lending products, such as one-to-four family residential, multifamily real estate, and commercial real estate lending; and construction, business and small business administration, and consumer and other loans. In addition, it offers other consumer and commercial banking products and services, including debit cards, online account opening and banking, online bill pay, and telephone banking, as well as check cashing, wire transfer, bill payment, reloadable prepaid card, and money order services. Carver Bancorp, Inc. was founded in 1948 and is headquartered in New York, New York.