Endeavor Bank (EDVR) AI Stock Analysis

• Market Cap: $59.12M
• Dividend Yield: N/A
• Average Volume (3M): 439.00
• Price to Earnings (P/E): 11.5
• Beta (1Y): >-0.01
• Revenue Growth: 25.08%
• EPS Growth: 75.45%
• Country: US
• Employees: 56
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.45
• Shares Outstanding: 3,493,206
• 10 Day Avg. Volume: 203
• 30 Day Avg. Volume: 439
• PEG Ratio: -0.82
• Price to Book (P/B): 0.91
• Price to Sales (P/S): 1.05
• P/FCF Ratio: 7.28
• Enterprise Value/Market Cap: -0.02
• Enterprise Value/Revenue: -0.09
• Enterprise Value/Gross Profit: -0.15
• Enterprise Value/Ebitda: -0.30
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 67 Neutral
• Price Target: $18.00 ▲(7.78% Upside)
• Action: Downgraded Date: 12/30/25
• Date: Action: Downgraded 12/30/25

The score is driven primarily by improving business scale and generally solid cash conversion, but capped by 2024 margin/earnings compression and rising leverage. Technicals are mildly supportive with the stock above key moving averages, while valuation (P/E ~24.5) appears less compelling without a dividend.

Positive Factors

Revenue Growth

Consistent revenue growth indicates strong market demand and effective business strategies, supporting long-term financial stability.

Balance Sheet Health

A strong balance sheet with low leverage enhances financial stability and provides flexibility for future growth opportunities.

Cash Generation

Effective cash management and strong cash generation capabilities support ongoing operations and potential investments in growth.

Negative Factors

ROE Decline

Declining ROE suggests less efficient use of equity capital, which could impact investor confidence and future capital raising efforts.

Profit Margin Volatility

Volatile profit margins indicate fluctuating profitability, which may affect long-term earnings stability and investor perception.

Earnings Call Insight

Limited insight from earnings calls restricts understanding of management's outlook, potentially affecting strategic planning and investor trust.

Endeavor Bank Business Overview & Revenue Model

Company Description

Endeavor Bancorp. operates as the bank holding company for Endeavor Bank that provides various banking products and services for small-to-medium-sized businesses, business owners and professionals, and real estate owners and investors. It offers checking, money market, and savings accounts, as well as certificates of deposit; and consultative banking services. The company also provides loan services, such as equipment and fixed asset term, recapitalization and business acquisition, conventional real estate, SBA 504 real estate, commercial/industrial investor real estate, and construction loans, as well as working capital revolving lines of credit. In addition, it offers online banking, bill payment, remote deposit capture, and other digital services. The company operates one full-service branch in San Diego, California; and a loan production and administrative office in Carlsbad, California, as well as a loan production office in East County. Endeavor Bank was founded in 2018 and is headquartered in San Diego, California.

How the Company Makes Money

Endeavor Bank makes money primarily through the interest income generated from lending activities. It offers various loan products such as commercial loans, real estate loans, and personal loans, earning interest on the borrowed capital. In addition to interest income, the bank generates revenue from service fees associated with account maintenance, transaction processing, and other banking services. Treasury management services also contribute to the bank's revenue by providing businesses with solutions for cash flow management, payment processing, and financial planning. Endeavor Bank's focus on community-centric banking helps it to establish strong customer relationships, enhancing its ability to cross-sell services and maintain a stable deposit base, which is crucial for funding its lending activities.

Endeavor Bank Financial Statement Overview

Summary

Strong top-line momentum (2024 revenue up ~109% YoY) and a multi-year turnaround to sustained profitability, with generally solid cash conversion (FCF tracking net income ~0.94–0.99 in 2020–2024). Offsetting this, 2024 profitability weakened (net income down vs 2023; net margin compressed from ~19.8% to ~7.8%), and leverage rose vs 2023 (debt-to-equity ~0.61 vs ~0.38) with historical leverage volatility.

Income Statement

Revenue growth accelerated sharply in 2024 (annual revenue up ~109% versus 2023), showing strong top-line momentum. Profitability, however, has become less consistent: net income declined in 2024 versus 2023 and net margin compressed meaningfully (from ~19.8% in 2023 to ~7.8% in 2024). Longer-term, results improved materially from a loss in 2019 to solid profitability in 2020–2024, but the recent margin step-down keeps the score below the top tier.

Balance Sheet

The balance sheet expanded steadily (total assets rose from ~$570M in 2023 to ~$678M in 2024) while equity also grew, supporting franchise growth. Leverage is moderate in the latest year (debt-to-equity ~0.61 in 2024), but it increased versus 2023 (~0.38), and historical leverage volatility is notable (e.g., very high debt-to-equity in 2020). Returns on equity are positive but have eased from earlier highs (about ~6.8% in 2024 vs ~9.0% in 2023), suggesting profitability is not keeping pace with balance sheet growth.

Cash Flow

Cash generation is consistently positive in recent years, with operating cash flow and free cash flow both positive from 2020 through 2024. Free cash flow closely tracks net income (free cash flow to net income ~0.94–0.99 in 2020–2024), indicating earnings quality is generally supported by cash. The main weakness is variability over time (negative operating/free cash flow in 2019 and a sizable free cash flow decline in 2022 before recovering), which suggests cash conversion can fluctuate.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	15.10M	39.58M	31.27M	19.47M	17.75M	8.61M
Gross Profit	8.72M	21.86M	19.43M	15.45M	16.12M	8.61M
EBITDA	4.41M	4.56M	6.05M	4.77M	7.47M	1.58M
Net Income	4.44M	3.11M	3.85M	5.57M	5.01M	1.42M
Balance Sheet
Total Assets	746.91M	678.33M	570.15M	480.43M	429.27M	390.03M
Cash, Cash Equivalents and Short-Term Investments	87.44M	0.00	129.34M	97.09M	96.73M	103.36M
Total Debt	26.75M	27.84M	16.20M	15.98M	1.72M	115.51M
Total Liabilities	698.00M	632.32M	527.62M	442.23M	396.57M	363.19M
Stockholders Equity	48.91M	46.01M	42.53M	38.20M	32.71M	26.84M
Cash Flow
Free Cash Flow	0.00	5.72M	4.68M	3.11M	7.08M	4.73M
Operating Cash Flow	0.00	5.79M	4.97M	3.15M	7.12M	4.79M
Investing Cash Flow	0.00	-153.00M	-58.47M	-46.90M	-55.42M	-185.53M
Financing Cash Flow	0.00	104.15M	84.39M	46.39M	32.20M	262.54M

Endeavor Bank Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 16.70
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For EDVR, the sentiment is Positive. The current price of 16.7 is below the 20-day moving average (MA) of 16.84, below the 50-day MA of 16.77, and above the 200-day MA of 15.47, indicating a bullish trend. The MACD of 0.07 indicates Negative momentum. The RSI at 65.43 is Neutral, neither overbought nor oversold. The STOCH value of 72.36 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for EDVR.

Endeavor Bank Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
EDVR	67 Neutral	$59.12M	11.54	10.88%	―	25.08%	75.45%
ASRV	66 Neutral	$63.78M	11.37	4.54%	3.87%	6.89%	―
CLST	65 Neutral	$65.82M	28.51	2.72%	―	76.66%	―
TCBS	55 Neutral	$48.44M	19.55	4.74%	1.10%	12.12%	―