Analyzing AMB Financial (OTCMKTS:AMFC) & Carver Bancorp (NASDAQ:CARV)

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

Analyst Ratings

This is a breakdown of recent recommendations for AMB Financial and Carver Bancorp, as reported by MarketBeat.com.

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

Earnings and Valuation

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

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
AMB Financial	$23.37 million	1.32	$3.42 million	N/A	N/A
Carver Bancorp	$22.74 million	0.42	-$13.74 million	($1.72)	-0.90

AMB Financial has higher revenue and earnings than Carver Bancorp.

Profitability

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

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

Insider & Institutional Ownership

1.2% of AMB Financial shares are owned by institutional investors. Comparatively, 18.2% of Carver Bancorp shares are owned by institutional investors. 37.7% of AMB Financial shares are owned by insiders. Comparatively, 1.3% of Carver Bancorp shares are owned by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock is poised for long-term growth.

Risk and Volatility

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

Summary

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

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.

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.