Endeavor Bancorp (EDVR) Stock Analysis
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
Endeavor Bancorp (EDVR) trades at $20.10 with AI Score 48/100 (Grade C). Endeavor Bancorp operates as the parent company for Endeavor Bank, a community financial institution based in San Diego, California. Market cap: $88.5M, Sector: Financial services.
Price as of Aug 21, 2026 · Last analyzed: Jun 15, 2026Analyst Coverage for EDVR: EDVR does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates EDVR against Financial Services peers across nine fundamental dimensions and assigns an underweight signal based on the underlying data.
EDVR: 1/3 scored disciplines lean bullish. Dominant signal: Ray Dalio bullish.
How is this calculated? →Why this analysis is different
- A 9-signal quantitative MoonshotScore built from filings, insider activity, and market data — computed from the numbers, not from opinion.
- An AI Council read across up to eight perspectives — value, macro, quantitative, and momentum lenses — that shows where they disagree instead of averaging the tension away.
- Figures come straight from FMP and Yahoo Finance filings data. The AI writes the narrative around the numbers — it never edits the numbers.
Endeavor Bancorp (EDVR) Financial Services Profile
Endeavor Bancorp, through Endeavor Bank, serves San Diego's small and mid-sized businesses, professionals, and real estate investors with tailored financial products. Specializing in consultative banking, it offers diverse deposit and loan solutions, maintaining a local presence while leveraging digital services within the regional banking sector.
What Is the Investment Thesis for EDVR?
Endeavor Bancorp presents a focused investment profile centered on its community banking model within the San Diego market. With a market capitalization of $88.5M and a P/E ratio of 13.17, the company demonstrates profitability with a profit margin of 15.3% and a gross margin of 61.6%. The investment thesis is underpinned by its specialized approach to serving small and mid-sized businesses, professionals, and real estate investors, fostering strong relationship-based banking. Growth catalysts include continued economic expansion in the San Diego region, driving demand for commercial and real estate lending, and the bank's ability to attract and retain deposits through its consultative service model. The diverse loan portfolio, encompassing equipment, real estate, and working capital financing, provides multiple avenues for interest income generation. However, the company's trading on the OTC Other tier introduces higher liquidity and disclosure risks compared to major exchanges, which investors must consider. Its low Beta of 0.10 suggests lower volatility relative to the broader market.
Based on FMP financials and quantitative analysis
EDVR Key Highlights
Market Capitalization: $0.07 billion, indicating its status as a smaller, regional financial institution.
- P/E Ratio: 13.17, suggesting a valuation multiple relative to its earnings.
- Profit Margin: 15.3%, reflecting the company's ability to convert revenue into net income.
- Gross Margin: 61.6%, highlighting efficiency in its core banking operations before operating expenses.
- Beta: 0.10, indicating significantly lower volatility compared to the overall market.
Who Are EDVR's Competitors?
EDVR is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| HWBK Hawthorn Bancshares, Inc. | $39.44 | +0.19% | $272M | 92 |
| FRAF Franklin Financial Services Corporation | $62.10 | +0.40% | $279M | 92 |
| FUNC First United Corporation | $43.35 | -0.55% | $280M | 92 |
| ATLO Ames National Corporation | $31.73 | +1.44% | $281M | 92 |
| FDBC Fidelity D & D Bancorp, Inc. | $54.33 | +0.15% | $315M | 91 |
| NWFL Norwood Financial Corp. | $33.60 | -2.24% | $366M | 92 |
| FNLC The First Bancorp, Inc. | $34.53 | -3.01% | $389M | 91 |
| PKBK Parke Bancorp, Inc. | $34.15 | +0.83% | $404M | 92 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are EDVR's Key Strengths?
Strong focus on relationship-based banking with small and mid-sized businesses.
- Diverse loan portfolio catering to various business and real estate needs.
- Localized presence in key San Diego areas (San Diego, Carlsbad, East County).
- Integration of modern digital banking services for customer convenience.
What Are EDVR's Weaknesses?
Smaller institution with limited scale compared to larger regional or national banks.
- Trading on the OTC Other tier, implying higher risk and lower liquidity.
- Geographic concentration in the San Diego region makes it susceptible to local economic downturns.
- "Unknown" disclosure status on the OTC market.
What Could Drive EDVR Stock Higher?
EDVR catalyst: Regional Economic Expansion: Continued robust economic growth within the San Diego metropolitan area is expected to drive increased demand for commercial loans, real estate financing, and deposit services, directly benefiting Endeavor Bancorp's core business.
- Enhanced Digital Service Adoption: Successful implementation and increased customer adoption of Endeavor Bank's online banking, bill payment, and remote deposit capture services can improve operational efficiency and customer engagement, potentially attracting new tech-savvy clients.
- Strategic Deposit Gathering: Effective initiatives to attract and retain core deposits through tailored consultative banking can strengthen the bank's funding base, reduce its cost of funds, and enhance net interest margin.
What Are the Key Risks for EDVR?
Financial-distress signal — its Altman Z-Score of -0.69 sits in the distress zone (elevated bankruptcy risk).
- Interest Rate Sensitivity: As a regional bank, Endeavor Bancorp's profitability is sensitive to changes in interest rates, which can impact its net interest margin if the cost of funds rises faster than loan yields or vice versa.
- Credit Quality Deterioration: An economic downturn in the San Diego region or specific industry challenges could lead to increased loan defaults, impacting the quality of its loan portfolio and requiring higher provisions for credit losses.
- Competitive Pressures: Intense competition from larger national and regional banks, as well as non-bank lenders and fintech companies, could constrain loan growth, deposit acquisition, and pricing power.
- Regulatory and Compliance Burden: Regional banks face significant regulatory oversight and compliance costs, which can be particularly burdensome for smaller institutions and impact operational efficiency and profitability.
- OTC Market Risks: The "OTC Other" tier listing and "Unknown" disclosure status expose investors to higher risks related to liquidity, transparency, and potential for price volatility compared to major exchange-listed companies.
What Are the Growth Opportunities for EDVR?
- **Expanding Commercial and Industrial (C&I) Lending**: Endeavor Bancorp's focus on providing term loans for equipment, fixed assets, recapitalization, and business acquisitions to small and mid-sized businesses presents a significant growth avenue. The San Diego region, with its dynamic economy and entrepreneurial spirit, consistently generates demand for such capital. By deepening relationships with local enterprises and offering tailored financing solutions, the bank can capture a larger share of this market, which is projected to grow alongside regional economic expansion over the next 3-5 years. The consultative approach can differentiate it from larger, less flexible lenders.
- **Real Estate Financing Growth**: The bank's comprehensive suite of real estate financing options, including conventional, SBA 504, commercial/industrial investor loans, and construction loans, positions it to capitalize on the robust real estate market in Southern California. As property development and investment continue, particularly in growing areas like San Diego, Carlsbad, and East County, Endeavor Bancorp can expand its loan portfolio. This segment offers substantial interest income potential, with market demand for both residential and commercial development expected to remain strong over the medium term (3-7 years), driven by population growth and economic activity.
- **Deepening Relationship-Based Banking**: Endeavor Bancorp's emphasis on tailored consultative banking assistance for its core client base—small and mid-sized businesses, their owners, and professionals—is a critical growth driver. By providing personalized service and understanding the unique financial needs of its clients, the bank can foster stronger loyalty and cross-sell additional products, such as wealth management or specialized business services. This approach can lead to higher customer lifetime value and increased deposit balances, creating a stable funding base. This strategy is an ongoing opportunity, continually refined through client engagement.
- **Leveraging Digital Banking Services**: The company's facilitation of modern digital services, including online banking, bill payment, and remote deposit capture, represents an opportunity to enhance customer convenience and expand reach without significant physical infrastructure investment. As businesses and individuals increasingly rely on digital platforms for their banking needs, Endeavor Bancorp can attract new clients and improve operational efficiency by continuously upgrading and promoting its digital offerings. This ongoing trend allows the bank to compete more effectively with larger institutions and serve a broader demographic within its existing geographic footprint over the next 1-3 years.
- **Strategic Deposit Growth Initiatives**: Attracting and retaining core deposits (checking, money market, savings accounts, and CDs) is fundamental for a bank's profitability and stability. Endeavor Bancorp's consultative approach can be leveraged to develop targeted deposit campaigns for its specific client segments, offering competitive rates and personalized service. A strong, stable deposit base reduces reliance on more volatile or expensive wholesale funding. By focusing on growing these sticky, low-cost deposits, the bank can enhance its net interest margin and overall financial health, an ongoing strategic imperative for sustainable growth.
What Are EDVR's Competitive Advantages?
- Local Market Expertise and Relationships: Deep understanding of the San Diego regional economy and established relationships with local businesses and professionals.
- Consultative Banking Approach: Provides tailored financial advice and personalized service, fostering strong customer loyalty that larger, more impersonal banks may struggle to replicate.
- Specialized Loan Offerings: Focus on specific loan types like SBA 504 and commercial real estate financing caters to niche market needs effectively.
- Agility as a Community Bank: Ability to make localized decisions and respond more quickly to client needs compared to larger, more bureaucratic institutions.
What Does EDVR Do?
Endeavor Bancorp functions as the parent entity for Endeavor Bank, a community-focused financial institution established in 2018 and headquartered in San Diego, California. The bank's core mission is to deliver a comprehensive array of financial products and services specifically tailored to meet the needs of small and mid-sized businesses, their owners, professionals, and individuals involved in real estate investment and ownership within its local market. This targeted approach emphasizes relationship-based banking, a key differentiator in the competitive financial services landscape. The bank's product offerings are diverse, encompassing essential deposit solutions such as checking, money market, and savings accounts, alongside certificates of deposit. These are all complemented by personalized consultative banking assistance, designed to foster strong client relationships and provide bespoke financial guidance. On the lending side, Endeavor Bank provides a variety of financing options crucial for business growth and real estate ventures. These include term loans for the acquisition of equipment and fixed assets, capital for recapitalization efforts and business acquisitions, and both conventional and SBA 504 real estate financing. Furthermore, it extends loans to commercial and industrial real estate investors, offers construction loans, and provides revolving lines of credit to support working capital requirements for businesses. Beyond traditional brick-and-mortar services, Endeavor Bancorp has integrated modern digital banking capabilities to enhance customer convenience and accessibility. These digital services include online banking, bill payment functionalities, and remote deposit capture, allowing clients to manage their finances efficiently from various locations. The company's physical footprint includes a full-service branch located in San Diego, California, an administrative and loan production facility situated in Carlsbad, California, and an additional loan production office in East County. This localized presence underscores its commitment to serving the specific financial needs of the San Diego region, positioning it as a dedicated community bank within the broader financial services sector.
What Products and Services Does EDVR Offer?
- Operates as the parent company for Endeavor Bank.
- Provides traditional banking services to small and mid-sized businesses, their owners, professionals, and real estate investors.
- Offers core deposit solutions including checking, money market, savings accounts, and certificates of deposit.
- Delivers tailored consultative banking assistance to its client base.
- Provides various loan options such as term loans for equipment, capital for business acquisitions, and revolving lines of credit.
- Specializes in conventional and SBA 504 real estate financing, as well as construction loans.
- Facilitates modern digital services including online banking, bill payment, and remote deposit capture.
- Maintains a physical presence with a full-service branch in San Diego and loan production offices in Carlsbad and East County, California.
How Does EDVR Make Money?
- Generates interest income primarily from its diverse loan portfolio, which includes commercial, industrial, and real estate loans.
- Earns non-interest income through various banking fees, service charges, and potentially other financial services.
- Funds its lending activities through customer deposits (checking, savings, money market, CDs), which represent a relatively low-cost source of capital.
- Focuses on a relationship-based banking model, providing personalized service to attract and retain high-value clients.
What Industry Does EDVR Operate In?
Endeavor Bancorp operates within the highly competitive Banks - Regional industry, a segment of the broader Financial Services sector. This industry is characterized by institutions that primarily serve specific geographic areas, often focusing on relationship-based banking with local businesses and individuals. Key market trends include the ongoing consolidation among smaller banks, the increasing adoption of digital banking technologies, and intense competition from larger national banks and fintech companies. Endeavor Bancorp distinguishes itself by targeting small and mid-sized businesses, their owners, professionals, and real estate investors within the San Diego region. While larger institutions offer a broader array of services and greater scale, regional banks like Endeavor Bancorp often leverage their local expertise and personalized service to capture market share. The competitive landscape requires a strong focus on credit quality, deposit growth, and efficient operations to maintain profitability amidst fluctuating interest rates and regulatory pressures.
Who Are EDVR's Key Customers?
- Small and mid-sized businesses operating within the San Diego region.
- Owners and executives of these small and mid-sized businesses.
- Professionals seeking personalized financial services.
- Individuals and entities involved in real estate investment and ownership.
Financial Health
Endeavor Bancorp's Piotroski F-Score is 5/9, a 9-point checklist of profitability, leverage and efficiency — a middling fundamental profile. Its Altman Z-Score of -0.69 places it in the distress zone, a signal of elevated financial risk.
Quarterly Financial Performance: Endeavor Bancorp
Revenue for Endeavor Bancorp came in at $12.8M during Q2 2026, a 1.0% improvement versus the preceding quarter. The company recorded net income of $1.9M, with diluted EPS of $0.40. Quarter-over-quarter revenue has been mixed, typical for a micro-cap company operating in Financial Services. Across the four most recent quarters, EDVR averaged $0.41 in diluted EPS.
EDVR Valuation & Market Position
With a $88.5M market cap, Endeavor Bancorp sits in the micro-cap segment of the market. Relative to its peer group, EDVR's quantitative score of 48/100 is below the peer average of 92/100.
Key Financial Metrics
Return on equity for Endeavor Bancorp stands at 10.9%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 0.7%, showing how much profit it generates from its asset base. EDVR trades at a trailing price-to-earnings ratio of 13.17, below the Financial Services sector average of ~18x. Its free cash flow yield is 0.0%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.00 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 7.6%, the inverse of the P/E and a quick read on earnings relative to price.
Company Profile
Endeavor Bancorp operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in San Diego, US. The company is led by CEO Danny C. Yates. EDVR has traded publicly since 2018.
EDVR Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Strong focus on relationship-based banking with small and mid-sized businesses.
- Diverse loan portfolio catering to various business and real estate needs.
- Localized presence in key San Diego areas (San Diego, Carlsbad, East County).
- Integration of modern digital banking services for customer convenience.
Bear Case
- Smaller institution with limited scale compared to larger regional or national banks.
- Trading on the OTC Other tier, implying higher risk and lower liquidity.
- Geographic concentration in the San Diego region makes it susceptible to local economic downturns.
- "Unknown" disclosure status on the OTC market.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · August 2026
Recent Quarterly Results
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q2 2026 | $13M | $2M | $0.40 |
| Q1 2026 | $13M | $1M | $0.31 |
| Q4 2025 | $13M | $2M | $0.45 |
| Q3 2025 | $13M | $2M | $0.49 |
Based on FMP financials and quantitative analysis
EDVR Latest News
No recent news available for EDVR.
EDVR Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for EDVR.
Price Targets
Wall Street price target analysis for EDVR.
EDVR MoonshotScore
What does this score mean?
The MoonshotScore rates EDVR 0-100 on quantitative fundamentals — growth, financial health, valuation, momentum, and risk.
Leadership: Danny C. Yates
Unknown
The provided source data does not contain specific details regarding Danny C. Yates' career history, education, or previous roles prior to his current position at Endeavor Bancorp. Therefore, a detailed background cannot be provided based solely on the available information.
Track Record: Specific achievements, strategic decisions, or company milestones under Danny C. Yates' leadership are not detailed in the provided source data. Consequently, a comprehensive track record cannot be outlined based on the available information.
EDVR OTC Market Information
Endeavor Bancorp trades on the OTC Other tier, which represents the lowest and most speculative tier of the over-the-counter market. Unlike stocks listed on major exchanges such as the NYSE or NASDAQ, companies on the OTC Other tier are not required to meet minimum financial standards, public float, or corporate governance requirements. This tier typically includes shell companies, defunct entities, or companies with limited public information. Trading on this tier implies significantly higher risk, lower transparency, and often less rigorous financial reporting compared to companies on higher OTC tiers (like OTCQX or OTCQB) or major exchanges.
- OTC Tier: OTC Other
- Limited Public Information: "Unknown" disclosure status means investors have less access to critical financial and operational data.
- Low Liquidity: Difficulty in buying or selling shares quickly without significantly impacting the price.
- Price Volatility: Shares can be highly volatile due to low trading volume and lack of transparency.
- Fraud Risk: Higher potential for manipulation or fraudulent activities due to less regulatory oversight.
- Difficulty in Valuation: Lack of comprehensive data makes accurate financial analysis and valuation challenging.
- Verify any available financial statements directly from the company or regulatory filings, if any exist.
- Research management's background and track record beyond what is publicly stated, if possible.
- Assess the company's business model and competitive landscape thoroughly, given limited external analysis.
- Understand the specific risks associated with the OTC Other tier and the company's "Unknown" disclosure status.
- Evaluate the company's capital structure and any outstanding debt obligations.
- Seek independent verification of any claims made by the company, if feasible.
- Consider the potential for dilution from future equity offerings.
- Clear business description as a community bank with specific services and locations.
- Established in 2018, indicating some operational history.
- Identified CEO, Danny C. Yates, provides a point of contact for leadership.
- Focus on a defined geographic market (San Diego region).
- Specific products and services (e.g., SBA 504 loans) suggest a regulated banking operation.
Endeavor Bancorp Financial Services Stock: Key Questions Answered
What does the AI Score mean for EDVR?
EDVR holds an AI Score of 48/100 (Grade: C). This is an educational research signal, not a buy or sell recommendation. Endeavor Bancorp operates as the parent company for Endeavor Bank, a community financial institution based in San Diego, California. It provides a range of banking services, including deposits …
How does Endeavor Bancorp generate revenue in the financial services sector?
Endeavor Bancorp primarily generates revenue through its core banking operations, which involve two main streams: interest income and non-interest income. The vast majority of its revenue is derived from net interest income, which is the difference between the interest earned on its loan portfolio and investments, and the interest paid on customer deposits and borrowed funds.
What is Endeavor Bancorp's approach to credit quality and risk management for its loan portfolio?
Endeavor Bancorp's approach to credit quality and risk management is integral to its community banking model, focusing on personalized client relationships within its local market. While specific details on provision levels or non-performing asset ratios are not provided, the bank's strategy likely involves thorough underwriting processes for its diverse loan portfolio, which includes commercial, industrial, and real estate loans.
What are the specific implications of Endeavor Bancorp trading on the OTC Other tier for investors?
Endeavor Bancorp's classification on the OTC Other tier carries several specific implications for investors. This tier signifies a lower level of regulatory oversight and disclosure requirements compared to major exchanges or even higher OTC tiers. The primary implication is significantly reduced transparency, as the company's disclosure status is "Unknown," meaning comprehensive and timely financial information may not be readily available.
How does Endeavor Bancorp position itself competitively within the San Diego regional banking market?
Endeavor Bancorp positions itself competitively within the San Diego regional banking market by emphasizing a community-focused, relationship-based banking model. Unlike larger national or super-regional banks, Endeavor Bank targets specific client segments: small and mid-sized businesses, their owners, professionals, and real estate investors.
What are the key factors to evaluate for EDVR?
Endeavor Bancorp (EDVR) holds an AI score of 48/100 (low). Endeavor Bancorp presents a focused investment profile centered on its community banking model within the San Diego market. Not financial advice.
How frequently does EDVR data refresh on this page?
EDVR's price was last updated on Aug 21, 2026 and refreshes on page view during U.S. market hours — it is not a real-time exchange feed. Fundamentals update after quarterly filings; the MoonshotScore recalculates nightly; news aggregates continuously.
What has driven EDVR's recent stock price performance?
Endeavor Bancorp (EDVR) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Strong focus on relationship-based banking with small and mid-sized businesses. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider EDVR overvalued or undervalued right now?
Endeavor Bancorp (EDVR) has no trailing P/E available here, so lean on price-to-sales and cash flow in the Financials tab. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Information regarding CEO's full background and track record, specific competitor tickers, and detailed financial metrics beyond market cap, P/E, and margins were not provided in the source data. OTC disclosure status is explicitly 'Unknown' as per source. No analyst ratings or price targets were provided.