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EXSR Stock Chart & Stats
$135.35
-$2.00(-1.89%)
At close: 4:00 PM EST
$135.35
-$2.00(-1.89%)
Day’s Range― - ―
52-Week Range$105.00 - $170.00
Previous CloseN/A
Volume143.00
Average Volume (3M)435.00
Market Cap
$279.79M
Enterprise Value$260.39
Total Cash (Recent Filing)$29.22M
Total Debt (Recent Filing)$40.00M
Price to Earnings (P/E)8.8
Beta0.17
Next Earnings
Nov 03, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield3.22%
Share Statistics
EPS (TTM)18.59
Shares Outstanding1,714,000
10 Day Avg. Volume523
30 Day Avg. Volume435
Financial Highlights & Ratios
PEG Ratio0.29
Price to Book (P/B)0.64
Price to Sales (P/S)1.43
P/FCF Ratio10.26
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
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
Bulls Say, Bears Say
Bulls Say
Revenue MomentumSustained revenue acceleration and a rising net margin signal improving core banking performance and demand in the franchise. Over 2–6 months this supports steadier net interest and fee income, enabling reinvestment in lending capacity and consistent earnings generation from core operations.
De-risked Balance SheetA sharply lower leverage ratio materially reduces funding and solvency risk, enhancing capital resilience. This structural improvement increases the bank's ability to absorb loan losses, sustain lending through cycles and preserve capital returns without reliance on volatile wholesale funding.
Strong Cash ConversionHigh free cash flow conversion versus net income shows reported profits translate into cash, supporting durable internal funding for loan growth, operational needs and shareholder distributions. That reduces dependence on external financing and gives capital allocation flexibility.
Bears Say
Profitability Below PeakNet margins around ~19% remain materially below the bank's 2021–2022 peak near 30%, implying compressed earning power versus prior years. Structurally lower margins reduce the bank's margin for error, limiting long-term ability to generate outsized returns absent a sustained margin recovery.
Choppy Free Cash FlowVolatility in free cash flow undermines predictability of internal funding for lending, reserves and dividends. Even with good conversion in 2025, inconsistent cash profiles complicate multi-quarter planning and may force reliance on capital conservation in weaker periods.
Modest Return On EquityROE in the high single digits indicates limited capital efficiency relative to historical peaks. Persistently modest ROE constrains long-run shareholder value creation and leaves less buffer to absorb credit losses or fund growth without issuing equity or materially boosting margins.
Exchange Bank (Santa Rosa) News
EXSR FAQ
What was Exchange Bank (Santa Rosa)’s price range in the past 12 months?
Exchange Bank (Santa Rosa) lowest stock price was $105.00 and its highest was $170.00 in the past 12 months.
What is Exchange Bank (Santa Rosa)’s market cap?
Exchange Bank (Santa Rosa)’s market cap is $279.79M.
When is Exchange Bank (Santa Rosa)’s upcoming earnings report date?
Exchange Bank (Santa Rosa)’s upcoming earnings report date is Nov 03, 2026 which is in 100 days.
How were Exchange Bank (Santa Rosa)’s earnings last quarter?
Currently, no data Available
Is Exchange Bank (Santa Rosa) overvalued?
According to Wall Street analysts Exchange Bank (Santa Rosa)’s price is currently Overvalued.
Does Exchange Bank (Santa Rosa) pay dividends?
Exchange Bank (Santa Rosa) pays a Quarterly dividend of $1.35 which represents an annual dividend yield of 3.22%. See more information on Exchange Bank (Santa Rosa) dividends here
What is Exchange Bank (Santa Rosa)’s EPS estimate?
Exchange Bank (Santa Rosa)’s EPS estimate for its next earnings report is not yet available.
How many shares outstanding does Exchange Bank (Santa Rosa) have?
Exchange Bank (Santa Rosa) has 1,714,000 shares outstanding.
What happened to Exchange Bank (Santa Rosa)’s price movement after its last earnings report?
Currently, no data Available
Which hedge fund is a major shareholder of Exchange Bank (Santa Rosa)?
Currently, no hedge funds are holding shares in EXSR
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Exchange Bank (Santa Rosa) Stock Smart Score
Neutral
1
2
3
4
5
6
7
8
9
10
Technicals
SMA
Positive
20 days / 200 days
Momentum
12.29%
12-Months-Change
Fundamentals
Return on Equity
3.22%
Trailing 12-Months
Asset Growth
0.26%
Trailing 12-Months
Company Description
Exchange Bank (Santa Rosa)
Exchange Bank, headquartered in Santa Rosa, California, along with its associated entities, delivers a full spectrum of commercial and retail banking services to individual clients and businesses throughout California. For personal banking, the institution offers fundamental options such as checking and savings accounts. It also provides a variety of lending solutions including home mortgages, personal credit lines, unsecured loans, auto financing, and overdraft protection. Additionally, it supports community initiatives through specific rebuild loan programs. On the commercial side, Exchange Bank caters to businesses with checking and savings accounts, merchant processing services, and equipment leasing. Its business lending portfolio is extensive, covering commercial real estate and construction financing, term loans, business lines of credit, Small Business Administration (SBA) loans, and specialized funding for vineyards, wineries, and agricultural ventures. Furthermore, the bank extends its offerings to include debit and credit cards, convenient online and mobile banking platforms, and sophisticated wealth management services encompassing trust administration, investment management, and estate settlement, alongside various retirement accounts and plans. Founded in 1890 and based in Santa Rosa, California, Exchange Bank maintained 17 branches across Sonoma County and a commercial office in Roseville, California, as of February 25, 2022. The bank operates as a subsidiary under the Frank P. Doyle Trust, Article IX.
Technical Analysis
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Ownership Overview
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Insiders
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Mutual Funds
8.50% Other Institutional Investors
91.50% Public Companies and
Individual Investors