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Exchange Bank (Santa Rosa)
(OTC:EXSR)
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Rating:79Outperform
Price Target:
$189.00
â–²(14.55% Upside)
Action:Reiterated
Date:08/06/26
The score is driven primarily by solid financial performance (improving 2025 growth/profitability and a sharply strengthened balance sheet) and strong valuation support (low P/E with a meaningful dividend yield). Technicals are constructive but mostly neutral on momentum, which tempers the upside in the near term.
Positive Factors
Revenue Momentum
Acceleration to ~14% revenue growth in 2025 signals durable expansion of core lending and fee activities within the bank's footprint. Sustained top-line momentum supports scale benefits, funding of strategic initiatives, and a broader base for net interest income over the next several quarters.
Negative Factors
Lower ROE vs. Peak
ROE in the high single-digits is materially below the ~19% seen in 2022, implying diminished capital efficiency. Persistently lower returns constrain the bank's ability to grow book value per share and may limit long-term shareholder returns absent structural efficiency gains or higher asset yields.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue Momentum
Acceleration to ~14% revenue growth in 2025 signals durable expansion of core lending and fee activities within the bank's footprint. Sustained top-line momentum supports scale benefits, funding of strategic initiatives, and a broader base for net interest income over the next several quarters.
Read all positive factors
Exchange Bank (Santa Rosa) (EXSR) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$282.81M
Dividend Yield3.18%
Average Volume (3M)435.00
Price to Earnings (P/E)8.9
Beta (1Y)0.17
Revenue Growth4.59%
EPS Growth21.61%
CountryUS
Employees400
SectorFinancial
Sector Strength70
IndustryBanks - Regional
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
Exchange Bank (Santa Rosa) Business Overview & Revenue Model
Company Description
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 in...
How the Company Makes Money
Exchange Bank primarily makes money through the standard banking model of generating net interest income and fee-based (noninterest) income.
1) Net interest income (core earnings driver for most banks):
- Lending interest: The bank earns interest...
Exchange Bank (Santa Rosa) Financial Statement Overview
Summary
Income Statement
76
Positive
Balance Sheet
82
Very Positive
Cash Flow
71
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 148.29M | 155.61M | 148.10M | 114.15M | 125.58M | 118.95M |
| Gross Profit | 120.95M | 117.50M | 110.45M | 114.15M | 123.50M | 115.19M |
| EBITDA | 41.55M | 38.95M | 33.58M | 29.99M | 52.33M | 53.06M |
| Net Income | 31.86M | 29.97M | 23.85M | 20.19M | 37.48M | 36.41M |
Balance Sheet | ||||||
| Total Assets | 3.27B | 3.30B | 3.30B | 3.37B | 3.33B | 3.54B |
| Cash, Cash Equivalents and Short-Term Investments | 29.22M | 1.40B | 28.64M | 35.65M | 48.37M | 472.97M |
| Total Debt | 40.00M | 40.00M | 140.00M | 232.66M | 28.21M | 7.94M |
| Total Liabilities | 2.92B | 2.96B | 3.02B | 3.11B | 3.13B | 3.22B |
| Stockholders Equity | 350.06M | 346.73M | 280.81M | 255.41M | 202.02M | 319.20M |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 21.72M | 25.62M | 36.15M | 34.46M | 27.58M |
| Operating Cash Flow | 0.00 | 24.11M | 27.47M | 38.69M | 37.62M | 37.80M |
| Investing Cash Flow | 0.00 | 95.44M | 0.00 | 34.12M | -360.98M | -288.56M |
| Financing Cash Flow | 0.00 | -66.16M | 0.00 | -31.57M | -101.24M | 387.32M |
Exchange Bank (Santa Rosa) Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
79 Outperform | $282.81M | 8.88 | 9.24% | 3.18% | 4.59% | 21.61% | |
74 Outperform | $283.78M | 11.48 | 14.00% | 2.14% | 10.02% | 67.92% | |
72 Outperform | $219.47M | 11.72 | 9.83% | 3.06% | 20.33% | 59.91% | |
70 Outperform | $232.35M | 8.00 | 12.59% | 3.19% | 7.20% | 31.23% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | $287.05M | 13.23 | 11.51% | 2.49% | 7.42% | 141.95% | |
59 Neutral | $256.79M | -8.21 | -8.75% | 0.91% | -9.20% | -302.27% |
* Financial Sector Average
EXSR
Exchange Bank (Santa Rosa)
160.50
55.80
53.30%
INBK
First Internet Bancorp
29.21
7.30
33.29%
OPBK
OP Bancorp
15.63
3.21
25.88%
FXNC
First National
31.78
10.97
52.70%
FRAF
Franklin Financial Services
62.32
23.29
59.68%
EFSI
Eagle Financial Services
41.72
9.81
30.73%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.