Turkiye Garanti Bankasi A.S. (OTCMKTS:TKGBY) vs. Carver Bancorp (NASDAQ:CARV) Financial Contrast

Turkiye Garanti Bankasi A.S. (OTCMKTS:TKGBY) and Carver Bancorp (NASDAQ:CARV) are both finance companies, but which is the superior investment? We will contrast the two companies based on the strength of their dividends, risk, valuation, analyst recommendations, profitability, institutional ownership and earnings.

Analyst Ratings

This is a breakdown of current recommendations and price targets for Turkiye Garanti Bankasi A.S. and Carver Bancorp, as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Turkiye Garanti Bankasi A.S.	0	0	0	0	0.00
Carver Bancorp	1	0	0	0	1.00

Earnings & Valuation

This table compares Turkiye Garanti Bankasi A.S. and Carver Bancorp”s revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Turkiye Garanti Bankasi A.S.	N/A	N/A	N/A	$0.74	3.47
Carver Bancorp	$22.74 million	0.48	-$13.74 million	($1.29)	-1.33

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

Institutional & Insider Ownership

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

Profitability

This table compares Turkiye Garanti Bankasi A.S. and Carver Bancorp’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Turkiye Garanti Bankasi A.S.	N/A	N/A	N/A
Carver Bancorp	-34.89%	-171.55%	-1.82%

Summary

Turkiye Garanti Bankasi A.S. beats Carver Bancorp on 5 of the 9 factors compared between the two stocks.

About Turkiye Garanti Bankasi A.S.

Turkiye Garanti Bankasi A.S. provides various banking products and services in Turkey. The company offers current, savings, time and term deposit, e-savings, YUVAM, NET, ELMA, overdraft, and gold accounts; general purpose, auto, mortgage, commercial, and project loans, as well as IBOR reforms and foreign trade financing; investment funds, stocks, derivatives, Garanti BBVA e-trader platform, time barred deposit and investment lists, and derivative instruments; credit and debit cards, bonusflas, and POS and e-commerce products; and insurance and pension products. It also provides payment systems and services; private banking services; banking services for salary payments/entrepreneurship and women entrepreneurs; leasing, fleet, and factoring services; investment banking and financing services; mobile and internet banking services; and ATM and cash management services. The company was founded in 1946 and is based in Istanbul, Turkey. Turkiye Garanti Bankasi A.S. operates as a subsidiary of Banco Bilbao Vizcaya Argentaria, S.A.

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.