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Endeavor Bank (EDVR) fair value: what the stock is really worth

As of Nov 6, 2026: fair value (intrinsic value) of Endeavor Bank stock $10.97, price $20.20, that is 45.7% below the price, quality 60 out of 100. Rating: strongly overvalued. Calculated from audited financials with 4 of our 26 valuation models and 37 quality factors, updated daily.

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Financial Services US

EB Endeavor Bank logo Some data Nov 6, 2026

Endeavor Bank

EDVR · US
Solid, but very expensive

Our calculation puts a fair price 46% below what the stock costs today.

Quality 60/100
Highly profitable · 21.5% net margin (TTM)
Mixed Growth (revenue 3y +22.4 %/yr in USD)
Mixed vs. peers (5/12)
Moderate moat 61/100 · thin data
Some data
Fair value $10.97 · Strongly overvalued
⚠ Thinly traded
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

$21.18 $6.78 Fair Value $10.97 Jun 2018 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 6, 2026.

How to read this chart

60‑month range $6.78 – $21.18 · fair‑value band $10.03 – $13.02 · the $20.20 price screens above the $10.97 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 6, 2026.

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Company profile

Endeavor Bancorp. operates as the bank holding company for Endeavor Bank that provides various banking products and services for small-to-medium-sized businesses in California.

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It offers checking and money market accounts; money market accounts; certificate of deposits; lines of credit and term loans; commercial real estate loans; conventional property loans; SBA 504 and SBA 7A loans; equipment financing and business credit and debit cards.

The company also provides ancillary services, such as cash vault services, merchant services, lockbock services, sweep/zero balance accounts; and investment-purpose commercial properties, including multi-family housings, industrial, warehouses, manufacturing, and general-purpose commercial properties.

In addition, it offers treasury/cash management services, including remote/mobile deposit capture, ACH origination, company administration, information reporting, internal transfers and loan payments/advances, estatements and enotices, quickbooks, and business bill pay services.

The company was founded in 2018 and is headquartered in San Diego, California.

Stock analysis

Endeavor Bank (EDVR) currently trades at $20.20, while our model-based Fair Value estimate is $10.97, 46% below the price, so the stock looks overvalued today.

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Valuation

Bull case: the Multiples group reads highest at a median of $16.71 per share, and 0 of the 4 models we run sit above the $20.20 price.

Bear case: the Asset-Based group reads lowest at $8.07, and 4 of the 4 models stay below the price. Data coverage for this calculation is medium.

Scenario range: $10.03 (bear) to $13.02 (bull), the price of $20.20 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 60/100 (solid quality), in the Financial Services sector.

Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.

Endeavor Bank reported revenue of $31.4M in FY2025 versus $17.1M in FY2021, a compound +16.4%/yr. Reported net income was $5.6M in FY2025, compounding +2.9%/yr from FY2021.

Key figures

Market cap $89.1M Micro · P/E ratio 13.6 · P/S ratio 2.70 · EPS (TTM) $1.48 · Net margin 21.5% · Return on equity 11.8% · Return on assets 0.8% · Operating margin 34.2%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 61 out of 100 (low confidence).

What moves the price

The share trades about 5% below its 52-week high and 32% above its 52-week low, currently above its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at −46%, EDVR screens richer than that median.

Fair Value models

Bear $10.03 Fair Value $10.97 Bull $13.02
Price $20.20 · Downside -45.7%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then ($1.27 per share) are deliberately not added. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds. Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Best data coverage
Residual Income $10.03 $10.97 $13.02 71
P/E Multiple $12.41 $16.55 $20.69 63
P/B Multiple $12.64 $16.86 $21.07 55
All 4 models by family
Multiples
P/E Multiple $12.41 $16.55 $20.69 63
P/B Multiple $12.64 $16.86 $21.07 55
Asset-Based
NCAV (Graham) $6.02 $8.07 $12.04 54
Economic Profit
Residual Income $10.03 $10.97 $13.02 71

Open the full fair value analysis →

Quality Score breakdown

Overall quality 60/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 36
How much profit the company makes from its sales and capital
Quality Growth 69
Are margins and returns getting better?
Cashflow 98
Do the profits arrive as real cash?
Financial strength 39
Debt, balance sheet and risk of trouble
Investment 52
Does it invest with discipline instead of growing at any price?
Low Volatility 96
How calm the share price moves, does not count
Price momentum 70
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 94
Distance to the 52-week high, does not count
New shares 59
Buys back shares or issues new ones?

Open the full quality analysis →

Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 87/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+32.9%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+22.4%
Revenue growth 6 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+42.2%
What shareholders gained per year (last 3 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 3 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
+3.8%
Earnings growth per share plus dividend.
Earnings per share, growth per year+3.8%
Dividend (yield on the price)0.0%

EDVR screens overvalued: fair value 46% below the price. Compare with China Merchants Bank Co →

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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 996 stocks

Beats the industry median on 5/12 measures
A mixed picture versus its industry peers.
Valuation
Quality Score 60 · Top 25%
Fair Value upside −45.7% · Bottom 25%
Profitability
Return on equity (12 months) 11.8% · Above median
Return on assets 0.7% · Below median
Net margin (12 months) 21.5% · Bottom 25%
Operating margin (12 months) 34.2% · Below median
Growth and dividend
Revenue growth (quarter YoY) 14.8% · Above median
Balance sheet
Debt / equity 0.50× · Above median

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (12 months) 13.6× · Pricier than median
P/B 1.68× · Priciest 25%
P/S (12 months) 2.70× · Cheaper than median
Price / free cash flow (fiscal year) 8.4× · Cheaper than median

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)0 · sector 8
FUTURE (revenue growth)74 · sector 47
PAST (return on equity)47 · sector 43
HEALTH (low debt)–
DIVIDEND (yield)0 · sector 53

VALUE 0: the price sits above our fair-value range.

HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value Compare
Postal Savings Bank of China Co 601658 ¥5.53 ¥7.59 +37% vs EDVR
China Merchants Bank Co 600036 ¥42.88 ¥52.73 +23% vs EDVR
BNP Paribas SA BNP €91.93 €106.01 +15% vs EDVR
Intesa Sanpaolo S.p.A ISP €6.18 €4.49 −27% vs EDVR
State Bank of India SBIN ₹1,019 ₹736.65 −28% vs EDVR
UniCredit S.p.A UCG €76.80 €50.44 −34% vs EDVR
Mizuho Financial Group MFG $9.40 $5.89 −37% vs EDVR
DBS Group D05 69.72 SGD 40.39 SGD −42% vs EDVR
HDFC Bank Limited HDFCBANK ₹788.25 ₹406.39 −48% vs EDVR
ICICI Bank Limited ICICIBANK ₹1,571 ₹615.63 −61% vs EDVR

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Endeavor Bank: fair value per Fair Value Calculator

Cite: Fair Value Calculator (2026). "Endeavor Bank Fair Value". https://www.fairvalue-calculator.com/stock/EDVR

Frequently asked questions

Is Endeavor Bank (EDVR) overvalued or undervalued?
As of Nov 6, 2026, our model estimates a fair value of $10.97 versus a price of $20.20, about 46% lower (overvalued).
What is the fair value of EDVR?
Our model-based fair value for Endeavor Bank is $10.97 (as of Nov 6, 2026), built from audited fundamentals. The current price: $20.20.
What is the quality score of EDVR?
Endeavor Bank has a Quality Score of 60/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Endeavor Bank (EDVR)?
Our model-based price target is the fair value of $10.97 (as of Nov 6, 2026) from 4 valuation models. Cautious scenario $10.03, optimistic scenario $13.02. It is a calculation from audited fundamentals, not an analyst target.
What is the Endeavor Bank stock forecast for 2026?
Our models put fair value at $10.97, about 46% lower versus a price of $20.20 (overvalued). Cautious scenario $10.03, optimistic scenario $13.02. The calculation is refreshed regularly with new filings.
What is the revenue of Endeavor Bank (EDVR)?
Endeavor Bank reported trailing-twelve-month revenue of about $33.0M (latest available figure, as of Nov 6, 2026).
What is the intrinsic value of Endeavor Bank (EDVR)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Endeavor Bank it is $10.97 per share (as of Nov 6, 2026), against a price of $20.20. It is the blended result of 4 valuation models in 3 families (Multiples, Asset-Based, Economic Profit).
Is Endeavor Bank stock overvalued or undervalued in 2026?
As of Nov 6, 2026, EDVR trades above its calculated fair value: price $20.20, fair value $10.97, a gap of about −46% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of EDVR?
No. The price is what the market pays today ($20.20); the fair value is what the company's own numbers justify ($10.97). For Endeavor Bank the two are $9.23 per share apart. That gap is exactly why we show both numbers side by side.
How much is Endeavor Bank worth?
The market values Endeavor Bank at about $89.1M (market capitalisation, as of Nov 6, 2026). Per share that is $20.20; our models calculate a fair value of $10.97 per share.
What do the bullish and bearish scenarios say about EDVR?
Our models span a range for Endeavor Bank: cautious scenario $10.03, base $10.97, optimistic $13.02 per share (as of Nov 6, 2026, price $20.20). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of EDVR?
Endeavor Bank trades at a price-to-earnings ratio of 13.6 (as of Nov 6, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $10.97 is built from several models across several years. Other multiples: P/B 1.7, P/S 2.7.
How solid is the balance sheet of Endeavor Bank (EDVR)?
Balance-sheet figures for Endeavor Bank (as of Nov 6, 2026): return on equity 11.8%, debt of 0.50 per unit of equity. They feed the Quality Score of 60/100, which measures business quality independently of the share price.
How far is EDVR from its 52-week high?
Endeavor Bank trades at $20.20, about 5% below its 52-week high of $21.18 and 32% above the low of $15.29 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of $10.97 is for.
Which stocks are comparable to Endeavor Bank?
From the same area (Financial Services) we also value China Merchants Bank Co, DBS Group, UniCredit S.p.A, Mizuho Financial Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Endeavor Bank stock attractive at the current price?
The data as of Nov 6, 2026: price $20.20, calculated fair value $10.97 (−46%), Quality Score 60/100, from 4 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of EDVR calculated?
We run Endeavor Bank through 4 models from 3 families: Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of $10.97 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.3% above its aggregate fair value. Endeavor Bank itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Endeavor Bank (EDVR)?
The closing price on Nov 6, 2026 was $20.20. Our model-based fair value is $10.97, about 46% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Endeavor Bank right now?
The price sits above even our optimistic bull case ($13.02). The favourable scenario is already priced in. Solid but not exceptional quality (60/100) and above fair value, neither a clear bargain nor a standout compounder. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.

Key figures of Endeavor Bank

How large is the market capitalisation of Endeavor Bank (EDVR)?
The market capitalisation of Endeavor Bank is $89.1M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Endeavor Bank (EDVR)?
The price-to-sales ratio of Endeavor Bank is 2.70 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Endeavor Bank (EDVR)?
Earnings per share at Endeavor Bank are $1.48 (price ÷ EPS = P/E 13.6). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Endeavor Bank (EDVR)?
The net margin of Endeavor Bank is 21.5% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Endeavor Bank (EDVR)?
The return on equity (ROE) of Endeavor Bank is 11.8% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the return on assets of Endeavor Bank (EDVR)?
The return on assets (ROA) of Endeavor Bank is 0.8% (last twelve months). Profit relative to everything the company owns. Harder to inflate than return on equity because debt does not boost it.
What is the operating margin of Endeavor Bank (EDVR)?
The operating margin of Endeavor Bank is 34.2% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Endeavor Bank (EDVR)?
Revenue at Endeavor Bank is growing +14.8% versus a year earlier (3y avg +22.4%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Endeavor Bank (EDVR)?
Earnings per share at Endeavor Bank are growing −2.4% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Endeavor Bank (EDVR) generate?
The free cash flow of Endeavor Bank is $10.6M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
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