How does EDVR's PE Ratio compare to its peers?

EDVR is expensive based on its Price-To-Earnings Ratio (13.3x) compared to the peer average (8x).

How does EDVR's PE Ratio compare vs other companies in the US Banks Industry?

EDVR is expensive based on its Price-To-Earnings Ratio (13.3x) compared to the US Banks industry average (12.4x).

What is EDVR's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

Insufficient data to calculate EDVR's Price-To-Earnings Fair Ratio for valuation analysis.

What is the Fair Price of EDVR when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

EDVR ($12.2) is trading below our estimate of [[fair value]] ($24.92)

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

Insufficient data to show price forecast.

EDVR Stock Overview

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 in California. More details

EDVR fundamental analysis
Snowflake Score
Valuation	2/6
Future Growth	0/6
Past Performance	2/6
Financial Health	6/6
Dividends	0/6

Rewards

Trading at 51% below our estimate of its fair value

Risk Analysis

Shares are highly illiquid

Does not have a meaningful market cap ($43M)

My Notes

Capture your thoughts, links and company narrative

Endeavor Bancorp Competitors

Oconee Financial

OTCPK:OSBK

US$41.8m

MBT Bancshares

OTCPK:MBKL

US$42.9m

Oak View Bankshares

OTCPK:OAKV

US$43.0m

Mifflinburg Bancorp

OTCPK:MIFF

US$42.7m

Price History & Performance

Summary of share price highs, lows and changes for Endeavor Bancorp
Historical stock prices
Current Share Price	US$12.20
52 Week High	US$12.30
52 Week Low	US$8.75
Beta	0.19
1 Month Change	6.55%
3 Month Change	n/a
1 Year Change	13.13%
3 Year Change	32.95%
5 Year Change	13.64%
Change since IPO	19.08%

Recent updates

Shareholder Returns

	EDVR	US Banks	US Market
7D	2.1%	-1.1%	-0.4%
1Y	13.1%	29.5%	24.8%

Return vs Industry: EDVR underperformed the US Banks industry which returned 29.3% over the past year.

Return vs Market: EDVR underperformed the US Market which returned 23.9% over the past year.

Price Volatility

Is EDVR's price volatile compared to industry and market?
EDVR volatility
EDVR Average Weekly Movement	n/a
Banks Industry Average Movement	5.2%
Market Average Movement	6.3%
10% most volatile stocks in US Market	17.0%
10% least volatile stocks in US Market	3.1%

Stable Share Price: EDVR's share price has been volatile over the past 3 months compared to the US market.

Volatility Over Time: Insufficient data to determine EDVR's volatility change over the past year.

About the Company

Founded	Employees	CEO	Website
2018	n/a	Dan Yates	www.endeavor.bank

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 in California. It offers checking and money market accounts; sweep/zero balance accounts; and certificates of deposit.

Endeavor Bancorp Fundamentals Summary

How do Endeavor Bancorp's earnings and revenue compare to its market cap?
EDVR fundamental statistics
Market cap	US$42.94m
Earnings (TTM)	US$3.22m
Revenue (TTM)	US$20.06m

13.3x

P/E Ratio

1.0x

P/B Ratio

Is EDVR overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
EDVR income statement (TTM)
Revenue	US$20.06m
Cost of Revenue	US$0
Gross Profit	US$20.06m
Other Expenses	US$16.84m
Earnings	US$3.22m

Last Reported Earnings

Jun 30, 2024

Next Earnings Date

n/a

Earnings per share (EPS)	0.92
Gross Margin	100.00%
Net Profit Margin	16.04%
Debt/Equity Ratio	37.9%

How did EDVR perform over the long term?

See historical performance and comparison

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2024/12/24 11:36
End of Day Share Price	2024/12/24 00:00
Earnings	2024/06/30
Annual Earnings	2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

Endeavor Bancorp is covered by 0 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution

Endeavor Bancorp OTCPK:EDVR Stock Report