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Endeavor BancorpEDVR 65 Cash-to-Debt is 4.41 as of Jun. 2026, which is 5% above its 10-year median of 4.20. GuruFocus rates EDVR with a GF Score™ of 65/100 and a GF Value™ of $17.64 (Modestly Overvalued). The stock has 3 warning signs investors should review. Among 1,492 Banks companies, Endeavor Bancorp ranks better than 75.34% on this metric.
Cash to Debt Ratio measures the financial strength of a company. It is calculated as a company's cash, cash equivalents, and marketable securities divide by its debt. Endeavor Bancorp's cash to debt ratio for the quarter that ended in Jun. 2026 was 4.41.
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. Here we can see, Endeavor Bancorpcould pay off its debt using the cash in hand for the quarter that ended in Jun. 2026.
The historical rank and industry rank for Endeavor Bancorp's Cash-to-Debt or its related term are showing as below:
EDVR'
s Cash-to-Debt Range Over the Past 10 Years
Min: 2.57 Med: 4.2 Max: 63.76
Current: 4.41
During the past 7 years, Endeavor Bancorp's highest Cash to Debt Ratio was 63.76. The lowest was 2.57. And the median was 4.20.
EDVR's Cash-to-Debt is ranked better than 75.34% of 1492
companies
in the Banks industry
Industry Median: 1.37
vs EDVR: 4.41
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. If it is smaller than 1, it means the company has more debt than the cash in hands. In this case, it is important to look the the company's Interest Coverage. Ben Graham requires that a company must have an Interest Coverage of at least 5.
Endeavor Bancorp Cash-to-Debt Related Terms
Endeavor Bancorp Cash-to-Debt Historical Data
* Premium members only.
The historical data trend for Endeavor Bancorp's Cash-to-Debt can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Note: An indication of "No Debt" does not necessarily mean that the company has no debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
For the Banks - Regional subindustry, Endeavor Bancorp's Cash-to-Debt, along with its competitors' market caps and Cash-to-Debt data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Endeavor Bancorp Cash-to-Debt vs Banks Industry
For the Banks industry and Financial Services sector, Endeavor Bancorp's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where Endeavor Bancorp's Cash-to-Debt falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Endeavor Bancorp (EDVR) has a Cash-to-Debt of 4.41 as of Jun. 2026. This is near median its historical median of 4.20. Over the past decade, Endeavor Bancorp's Cash-to-Debt has ranged from 2.57 to 63.76. According to the industry distribution chart, Endeavor Bancorp ranks #368 out of 1492 companies in the Banks industry, placing it in the top 24.7%.
Is Endeavor Bancorp's Cash-to-Debt too high?
Endeavor Bancorp's current Cash-to-Debt of 4.41 is near median its 10-year median of 4.20. Over the past 10 years, this metric has ranged from a low of 2.57 to a high of 63.76. The Banks industry median Cash-to-Debt is 1.37. Endeavor Bancorp's value of 4.41 is 221.9% above this industry median. Based on the distribution chart, Endeavor Bancorp ranks #368 out of 1492 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Endeavor Bancorp has a GF Score™ of 65/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Endeavor Bancorp's Cash-to-Debt compare to FBTT and UBCP?
According to the Banks industry distribution chart, Endeavor Bancorp ranks #368 out of 1492 companies for Cash-to-Debt. This places Endeavor Bancorp in the top 25% of its industry — outperforming the majority of peers. The industry median Cash-to-Debt is 1.37. Endeavor Bancorp's value of 4.41 is 221.9% above this benchmark. Historically, Endeavor Bancorp's own Cash-to-Debt has ranged from 2.57 to 63.76 over the past decade. While the company's 10-year median is 4.20 vs. the industry median of 1.37, Endeavor Bancorp has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cash-to-Debt for a Banks company?
The median Cash-to-Debt among Banks companies is 1.37, based on 1,492 companies in the industry. Companies in the top quartile (top 25%) have a Cash-to-Debt significantly above this median, while those in the bottom quartile fall well below. However, Cash-to-Debt should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Endeavor Bancorp's current Cash-to-Debt of 4.41 is 221.9% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cash-to-Debt mean?
A high Cash-to-Debt can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median Cash-to-Debt is 1.37 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Endeavor Bancorp's current Cash-to-Debt is 4.41, which is near median its own 10-year median of 4.20. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Endeavor Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Endeavor Bancorp (EDVR) is currently considered Modestly Overvalued. The stock's GF Value™ is $17.64, compared to a current price of $20.40 — trading 15.6% above its estimated fair value. The current Cash-to-Debt is 4.41, which is near median its 10-year median of 4.20 and 221.9% above the Banks industry median of 1.37. Endeavor Bancorp's overall GF Score™ is 65/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cash-to-Debt calculated?
Cash-to-Debt is calculated from a company's financial statements. For Endeavor Bancorp (EDVR), the current Cash-to-Debt is 4.41 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Endeavor Bancorp (EDVR) Overvalued in 2026?
Based on GuruFocus' analysis, Endeavor Bancorp stock appears to be overvalued.
The current stock price of $20.40 is trading 15.6% above its estimated GF Value™ of $17.64.
GuruFocus considers Endeavor Bancorp to be Modestly Overvalued.
Key valuation signals for EDVR:
Cash-to-Debt: 4.41 (near median its 10-year median of 4.20)
GF Value™: $17.64 vs. price of $20.40 (15.6% above fair value)
Industry Position: 221.9% above the Banks median (#368 of 1492)
No single metric tells the full story. See the EDVR stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Endeavor Bancorp provides banking services. It offers business services that include business checking accounts, business money market accounts, and others, personal services consists of personal checking accounts, personal saving accounts, and others, Digital banking comprises of Mobile banking, Pay bills, Positive Pay and other related services, and loan services consists of Working Capital Revolving Lines of Credit, Equipment and Fixed Asset Term Loans, and others. Its solutions include: Commercial Banking; Lending Services; Digital Banking; and Personal Banking.
65GF Score
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