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Endeavor Bank
(OTC:EDVR)
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Rating:73Outperform
Price Target:
$23.00
▲(13.58% Upside)
Action:Upgraded
Date:08/06/26
EDVR scores 73, driven primarily by healthy financial performance (strong and consistent cash generation and a steadily growing equity base). Technicals add support with a clear uptrend and positive MACD, though momentum is nearing overbought levels. Valuation is reasonable based on a mid-range P/E, but the lack of dividend yield data and the company’s margin/leverage volatility keep the score from being higher.
Positive Factors
Cash generation
Consistent operating and free cash flow that closely tracks net income supports durable internal funding for lending and operations. Over 2–6 months this reduces reliance on markets, preserves strategic flexibility for investments or capital buffers, and indicates high earnings quality.
Negative Factors
Profitability volatility
Marked swings in margins and mid‑single-digit ROE imply earnings are less predictable and returns lag prior peaks. Persistent volatility undermines planning for capital allocation and investor returns, making multi-quarter earnings stability and payout policies harder to rely upon.
Read all positive and negative factors
Positive Factors
Negative Factors
Cash generation
Consistent operating and free cash flow that closely tracks net income supports durable internal funding for lending and operations. Over 2–6 months this reduces reliance on markets, preserves strategic flexibility for investments or capital buffers, and indicates high earnings quality.
Read all positive factors
Endeavor Bank (EDVR) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$90.20M
Dividend YieldN/A
Average Volume (3M)439.00
Price to Earnings (P/E)11.7
Beta (1Y)0.08
Revenue Growth13.49%
EPS Growth37.01%
CountryUS
Employees65
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)1.62
Shares Outstanding4,405,197
10 Day Avg. Volume203
30 Day Avg. Volume439
Financial Highlights & Ratios
PEG Ratio0.13
Price to Book (P/B)1.10
Price to Sales (P/S)1.20
P/FCF Ratio5.49
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Endeavor Bank Business Overview & Revenue Model
Company Description
Endeavor Bancorp functions as the parent entity for Endeavor Bank, delivering a comprehensive array of financial products and services. Its client base primarily consists of small and mid-sized businesses, their owners, professionals, and individu...
How the Company Makes Money
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Endeavor Bank Financial Statement Overview
Summary
Income Statement
72
Positive
Balance Sheet
66
Positive
Cash Flow
78
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 38.51M | 48.35M | 39.58M | 31.27M | 19.47M | 17.75M |
| Gross Profit | 23.73M | 29.28M | 17.40M | 19.43M | 15.45M | 16.12M |
| EBITDA | 6.44M | 8.89M | 4.56M | 6.05M | 4.77M | 7.47M |
| Net Income | 5.91M | 5.62M | 3.11M | 3.85M | 5.57M | 5.01M |
Balance Sheet | ||||||
| Total Assets | 805.53M | 771.17M | 678.33M | 570.15M | 480.43M | 429.27M |
| Cash, Cash Equivalents and Short-Term Investments | 8.57M | 5.87M | 102.46M | 129.34M | 97.09M | 96.73M |
| Total Debt | 26.82M | 28.13M | 27.84M | 16.20M | 15.98M | 1.72M |
| Total Liabilities | 740.77M | 718.06M | 632.32M | 527.62M | 442.23M | 396.57M |
| Stockholders Equity | 64.76M | 53.12M | 46.01M | 42.53M | 38.20M | 32.71M |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 10.59M | 5.72M | 4.68M | 3.11M | 7.08M |
| Operating Cash Flow | 0.00 | 10.63M | 5.79M | 4.97M | 3.15M | 7.12M |
| Investing Cash Flow | 0.00 | -82.52M | -153.00M | -58.47M | -46.90M | -55.42M |
| Financing Cash Flow | 0.00 | 81.82M | 104.15M | 84.39M | 46.39M | 32.20M |
Endeavor Bank Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
73 Outperform | $90.20M | 11.72 | 10.85% | ― | 13.49% | 37.01% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | $77.53M | 9.01 | 7.32% | 2.76% | 4.91% | 127.20% | |
67 Neutral | $69.13M | 29.93 | 2.48% | ― | 0.89% | -1.60% | |
58 Neutral | $50.78M | 16.45 | 5.66% | 1.30% | 3.83% | 59.54% |
* Financial Sector Average
EDVR
Endeavor Bank
20.48
5.97
41.12%
ASRV
Ameriserv Financial
4.92
2.11
75.40%
FSEA
First Seacoast Bancorp
17.11
5.65
49.29%
TCBS
Texas Community
17.43
1.76
11.25%
CLST
Catalyst Bancorp
17.34
4.77
37.96%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.