Carver Bancorp (NASDAQ:CARV) vs. Beverly Hills Bancorp (OTCMKTS:BHBCQ) Head-To-Head Review

Beverly Hills Bancorp (OTCMKTS:BHBCQ) and Carver Bancorp (NASDAQ:CARV) are both finance companies, but which is the superior investment? We will compare the two companies based on the strength of their valuation, risk, dividends, analyst recommendations, institutional ownership, profitability and earnings.

Analyst Recommendations

This is a summary of recent recommendations and price targets for Beverly Hills Bancorp and Carver Bancorp, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Beverly Hills Bancorp	0	0	0	0	0.00
Carver Bancorp	1	0	0	0	1.00

Given Beverly Hills Bancorp’s higher possible upside, equities research analysts plainly believe Beverly Hills Bancorp is more favorable than Carver Bancorp.

Insider and Institutional Ownership

18.2% of Carver Bancorp shares are owned by institutional investors. 13.0% of Beverly Hills Bancorp shares are owned by company insiders. Comparatively, 1.3% of Carver Bancorp shares are owned by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock is poised for long-term growth.

Profitability

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

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

Earnings & Valuation

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

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Beverly Hills Bancorp	N/A	N/A	N/A	N/A	N/A
Carver Bancorp	$22.74 million	0.42	-$13.74 million	($2.49)	-0.76

Beverly Hills Bancorp has higher earnings, but lower revenue than Carver Bancorp.

Summary

Beverly Hills Bancorp beats Carver Bancorp on 5 of the 8 factors compared between the two stocks.

About Beverly Hills Bancorp

Beverly Hills Bancorp Inc. is a financial holding company and conducts its banking and lending operations through its primary subsidiary, First Bank of Beverly Hills. The Bank focuses on niche products, including the origination and acquisition of commercial and multi-family real estate loans. The Bank's principal funding sources consist of certificates of deposits generated through independent brokers and its money desk, borrowings from the Federal Home Loan Bank of San Francisco and repurchase agreements with major investment banks. The Bank is a California state-chartered commercial bank and is regulated by the Federal Deposit Insurance Corporation.Beverly Hills Bancorp's common stock is traded on the Nasdaq National Market under the trading symbol "BHBC".

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.