Endeavor Bank (EDVR)
OTHER OTC:EDVR
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Endeavor Bank
(OTC:EDVR)
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Rating:67Neutral
Price Target:
$18.00
▲(7.78% Upside)
Action:DowngradedDate: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.
Negative Factors
ROE Decline
Declining ROE suggests less efficient use of equity capital, which could impact investor confidence and future capital raising efforts.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue Growth
Consistent revenue growth indicates strong market demand and effective business strategies, supporting long-term financial stability.
Read all positive factors
Endeavor Bank (EDVR) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$57.64M
Dividend YieldN/A
Average Volume (3M)439.00
Price to Earnings (P/E)13.2
Beta (1Y)0.02
Revenue Growth25.08%
EPS Growth75.45%
CountryUS
Employees56
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.45
Shares Outstanding3,493,206
10 Day Avg. Volume203
30 Day Avg. Volume439
Financial Highlights & Ratios
PEG Ratio-0.82
Price to Book (P/B)0.91
Price to Sales (P/S)1.05
P/FCF Ratio7.28
Enterprise Value/Market Cap1.32
Enterprise Value/Revenue5.05
Enterprise Value/Gross Profit8.74
Enterprise Value/Ebitda17.28
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. 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 c...
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 additi...
Endeavor Bank Financial Statement Overview
Summary
Income Statement
72
Positive
Balance Sheet
64
Positive
Cash Flow
70
Positive
| 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
Negative
16.70
Price Trends
16.85
Negative
16.56
Negative
15.75
Positive
Market Momentum
-0.04
Positive
33.79
Neutral
19.19
Positive
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For EDVR, the sentiment is Negative. The current price of 16.7 is below the 20-day moving average (MA) of 16.93, below the 50-day MA of 16.85, and above the 200-day MA of 15.75, indicating a neutral trend. The MACD of -0.04 indicates Positive momentum. The RSI at 33.79 is Neutral, neither overbought nor oversold. The STOCH value of 19.19 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for EDVR.
Endeavor Bank Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | $57.64M | 13.20 | 12.10% | ― | 25.08% | 75.45% | |
65 Neutral | $68.25M | 28.58 | 2.53% | ― | 76.66% | ― | |
64 Neutral | $62.09M | 9.39 | 4.97% | 3.87% | 6.89% | ― | |
55 Neutral | $53.16M | 16.46 | 4.77% | 1.10% | 12.12% | ― |
* Financial Sector Average
EDVR
Endeavor Bank
16.44
2.70
19.67%
ASRV
Ameriserv Financial
3.56
1.31
57.94%
FSEA
First Seacoast Bancorp
12.74
1.46
12.94%
TCBS
Texas Community
17.65
1.71
10.73%
CLST
Catalyst Bancorp
16.56
4.91
42.15%
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.