Carver Bancorp (NASDAQ:CARV) & AMB Financial (OTCMKTS:AMFC) Head to Head Comparison

Carver Bancorp (NASDAQ:CARV) and AMB Financial (OTCMKTS:AMFC) are both small-cap finance companies, but which is the better stock? We will contrast the two businesses based on the strength of their analyst recommendations, dividends, risk, valuation, earnings, profitability and institutional ownership.

Volatility and Risk

Carver Bancorp has a beta of 1.53, meaning that its share price is 53% more volatile than the S&P 500. Comparatively, AMB Financial has a beta of 0.15, meaning that its share price is 85% less volatile than the S&P 500.

Profitability

This table compares Carver Bancorp and AMB Financial’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Carver Bancorp	-34.89%	-171.55%	-1.82%
AMB Financial	N/A	N/A	N/A

Insider and Institutional Ownership

18.2% of Carver Bancorp shares are held by institutional investors. Comparatively, 1.2% of AMB Financial shares are held by institutional investors. 1.3% of Carver Bancorp shares are held by insiders. Comparatively, 37.7% of AMB Financial shares are held by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock will outperform the market over the long term.

Earnings & Valuation

This table compares Carver Bancorp and AMB Financial”s gross revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Carver Bancorp	$22.74 million	0.38	-$13.74 million	($1.72)	-0.81
AMB Financial	$23.37 million	1.32	$3.42 million	N/A	N/A

AMB Financial has higher revenue and earnings than Carver Bancorp.

Analyst Recommendations

This is a breakdown of current ratings for Carver Bancorp and AMB Financial, as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Carver Bancorp	1	0	0	0	1.00
AMB Financial	0	0	0	0	0.00

Summary

AMB Financial beats Carver Bancorp on 7 of the 10 factors compared between the two stocks.

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.

About AMB Financial

AMB Financial Corp. operates as the bank holding company for American Community Bank of Indiana that provides financial services to customers in Indiana. The company provides savings, checking, health savings, individual retirement, and money market deposit accounts, as well as certificates of deposit. It offers business checking accounts, business debit and credit cards, and order business checks. In addition, the company offers mortgage loans, home equity loans, construction/lot loans, community loans, vehicle loans, and loan servicing; and commercial loans, commercial real estate loans, and SBA loans. Further, it provides merchant, remote deposit, wire services, fraud protection, and ACH origination; sweep services, zero balance accounts, lockbox services, vault services, and wealth management services; online, mobile, voice, and banking services; money order and e-statement services; cashier’s checks; and safe deposit boxes. The company was founded in 1910 and is headquartered in Saint John, Indiana.