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Endeavor Bank (EDVR) AI Stock Analysis
Endeavor Bank
(Other OTC:EDVR)
Endeavor Bank earns a score of 61, reflecting a financially stable but modestly performing regional bank. The most significant factor is the tension between strong asset growth and meaningful margin compression — while the bank has scaled from $390M to $771M in assets, profitability metrics (net margin, ROE) have deteriorated substantially from 2021 peaks, limiting the financial performance score. On the positive side, cash flow quality is strong with FCF consistently tracking net income, the balance sheet is conservatively capitalized, and the P/E of 11.7x offers reasonable valuation. Technical indicators are moderately bullish with the stock trading above all major moving averages in a steady uptrend. Key risks include the lack of a dividend, declining return on equity, and uncertainty around whether margin recovery will materialize. The stock is fairly positioned for investors seeking exposure to a growing community bank at a modest valuation, but profitability improvement is needed to justify a higher score.
Endeavor Bank (EDVR) vs. SPDR S&P 500 ETF (SPY)
- Market Cap
- $89.08M
- Dividend Yield
- ―
- Average Volume (3M)
- 1,123
- Price to Earnings (P/E)
- 11.5
- Beta (1Y)
- 0.05
- Revenue Growth
- 9.67%
- EPS Growth
- 17.54%
- Country
- US
- Employees
- 65
- Sector
- Financial
- Sector Strength
- 68
- Industry
- Banks - Regional
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 individuals...
How the Company Makes Money
null
Endeavor Bank Financial Statement Overview
Summary
Endeavor Bank shows strong multi-year asset and revenue growth, solid cash flow generation (FCF of $10.6M in 2025, the best on record), and an improved balance sheet with leverage declining to 0.53x debt-to-equity. However, significant margin compression — net margin falling from 28%+ peaks to 12.1%, gross margin declining from ~100% to ~61%, and ROE dropping to 8.5% — weighs heavily. The income statement score of 48 reflects profitability challenges, while the balance sheet (58) and cash flow (62) scores are more constructive. Blending these, the bank is financially stable but not yet translating growth into strong shareholder returns.
Income Statement
48NeutralBalance Sheet
58NeutralCash Flow
62Positive| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 51.35M | 48.35M | 39.58M | 31.27M | 19.47M | 17.75M |
| Gross Profit | 33.05M | 29.28M | 17.40M | 19.43M | 15.45M | 16.12M |
| EBITDA | 10.07M | 8.89M | 4.56M | 6.05M | 4.77M | 7.47M |
| Net Income | 7.12M | 5.62M | 3.11M | 3.85M | 5.57M | 5.01M |
Balance Sheet | ||||||
| Total Assets | 834.96M | 771.17M | 678.33M | 570.15M | 480.43M | 429.27M |
| Cash, Cash Equivalents and Short-Term Investments | 0 | 5.87M | 102.46M | 129.34M | 97.09M | 96.73M |
| Total Debt | 26.87M | 28.13M | 27.84M | 16.20M | 15.98M | 1.72M |
| Total Liabilities | 766.77M | 718.06M | 632.32M | 527.62M | 442.23M | 396.57M |
| Stockholders Equity | 68.19M | 53.12M | 46.01M | 42.53M | 38.20M | 32.71M |
Cash Flow | ||||||
| Free Cash Flow | 0 | 10.59M | 5.72M | 4.68M | 3.11M | 7.08M |
| Operating Cash Flow | 0 | 10.63M | 5.79M | 4.97M | 3.15M | 7.12M |
| Investing Cash Flow | 0 | -82.52M | -153.00M | -58.47M | -46.90M | -55.42M |
| Financing Cash Flow | 0 | 81.82M | 104.15M | 84.39M | 46.39M | 32.20M |
Endeavor Bank Peers Comparison
Overall Rating
ASRV70Outperform
CLST68Neutral
TCBS65Neutral- EDVR61Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| ASRV | 70Outperform | $83.42M | 8.62 | 7.48% | 2.59% | 2.43% | 75.47% |
| CLST | 68Neutral | $69.99M | 24.69 | 3.06% | ― | 31.73% | 17.80% |
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
| TCBS | 65Neutral | $49.87M | 14.38 | 6.14% | 1.45% | 5.94% | 51.02% |
| EDVR | 61Neutral | $88.31M | 11.47 | 11.27% | ― | 9.67% | 17.54% |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| EDVR | Endeavor Bank | 20.10 | 4.71 | 30.59% | |
| ASRV | AmeriServ Financial, Inc. | 4.63 | 1.62 | 53.82% | |
| TCBS | Texas Community Bancshares, Inc. | 17.25 | 1.46 | 9.24% | |
| CLST | Catalyst Bancorp, Inc. | 17.78 | 3.08 | 20.93% |
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.
Date of analysis: Aug 06, 2026