Carver Bancorp (FRA:39CN) ROC %: % (As of Jun. 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

FRA:39CN Carver Bancorp Inc FRA:39CN
39 GF Score
Price €1.35
GF Value €1.45
Valuation Fairly Valued
! 3 Warning Signs
View Full Analysis

What is Carver Bancorp ROC %?

Carver Bancorp FRA:39CN -0.74% 39 ROC % is % as of Jun. 2026. GuruFocus rates FRA:39CN with a GF Score™ of 39/100 and a GF Value™ of €1.45 (Fairly Valued). The stock has 3 warning signs investors should review.

ROC %does not apply to banks.

FRA:39CN
39GF Score
Carver Bancorp Inc FRA:39CN
ROC % is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis
Frequently Asked Questions Learn more about ROC % →
What does a ROC % of % mean?
Carver Bancorp (FRA:39CN) has a ROC % of % as of Jun. 2026. Return on capital is the ratio of current-period net income to average two-period capital. View historical data on Carver Bancorp and its competitors.
Is Carver Bancorp's ROC % too high?
Carver Bancorp's current ROC % is %. Overall, Carver Bancorp has a GF Score™ of 39/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Carver Bancorp's ROC % compare to FSGB and EWSB?
Carver Bancorp's ROC % of % can be compared against companies in the Banks industry. The industry median ROC % is 1.54. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROC % for a Banks company?
The median ROC % among Banks companies is 1.54, based on 47 companies in the industry. Companies in the top quartile (top 25%) have a ROC % significantly above this median, while those in the bottom quartile fall well below. However, ROC % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high ROC % mean?
A high ROC % can signal that a stock is expensive relative to its fundamentals. Return on capital is the ratio of current-period net income to average two-period capital. View historical data on Carver Bancorp and its competitors. For the Banks industry, the median ROC % is 1.54 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Carver Bancorp's current ROC % is %. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Carver Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Carver Bancorp (FRA:39CN) is currently considered Fairly Valued. The stock's GF Value™ is €1.45, compared to a current price of €1.35 — trading 6.9% below its estimated fair value. The current ROC % is %. Carver Bancorp's overall GF Score™ is 39/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROC % calculated?
ROC % is calculated from a company's financial statements. For Carver Bancorp (FRA:39CN), the current ROC % is % as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Carver Bancorp (FRA:39CN) Overvalued in 2026?

Based on GuruFocus' analysis, Carver Bancorp stock appears to be undervalued. The current stock price of €1.35 is trading 6.9% below its estimated GF Value™ of €1.45. GuruFocus considers Carver Bancorp to be Fairly Valued.

Key valuation signals for FRA:39CN:

  • ROC %: %
  • GF Value™: €1.45 vs. price of €1.35 (6.9% below fair value)
  • GF Score™: 39/100 with 3 warning signs

No single metric tells the full story. See the FRA:39CN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Carver Bancorp Business Description

Other Exchanges CARV:USA
Address 75 West 125th Street, New York, NY, USA, 10027
Carver Bancorp Inc is a holding company and conducts its business as a unitary saving and loan holding firm and the business of the company consists of the operation of its subsidiary. The bank offers a wide range of financial solutions to meet customers' banking. It offers other consumer and commercial banking products and services, such as debit cards, online banking, online bill pay, and telephone banking. The company provides deposit products, such as demand, savings, and time deposits for consumers, businesses, and governmental and quasi-governmental agencies in its market area within New York City.
39GF Score

Get the complete analysis for FRA:39CN

ROC % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€1.35
Price
€1.45
GF Value