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Exchange Bank (Santa Rosa) (EXSR) AI Stock Analysis
Exchange Bank (Santa Rosa)
(Other OTC:EXSR)
EXSR scores a 61, reflecting a conservatively positioned regional bank with mixed fundamentals. The most significant positive factor is its attractive valuation — a P/E of 8.9x and 3.2% dividend yield offer value and income appeal, supported by a dramatically improved leverage profile (D/E at 0.12x). However, the score is held back by meaningful margin compression from 2021-2022 peaks, declining operating cash flow despite rising earnings, and a below-historical ROE of 8.6%. Technicals are neutral, providing no additional catalyst in either direction. The bank needs to demonstrate sustained margin recovery and improved cash flow generation to warrant a higher assessment.
Exchange Bank (Santa Rosa) (EXSR) vs. SPDR S&P 500 ETF (SPY)
- Market Cap
- $260.58M
- Dividend Yield
- 3.48%
- Average Volume (3M)
- 952
- Price to Earnings (P/E)
- 8.0
- Beta (1Y)
- 0.20
- Revenue Growth
- 2.63%
- EPS Growth
- 8.01%
- Country
- US
- Employees
- 400
- Sector
- Financial
- Sector Strength
- 68
- Industry
- Banks - Regional
Exchange Bank (Santa Rosa) Business Overview & Revenue Model
Company Description
Exchange Bank (Santa Rosa, CA), 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 b...
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 and...
Exchange Bank (Santa Rosa) Financial Statement Overview
Summary
Revenue growth of 14.4% in 2025 and net income recovery to $30M are positives, but significant margin compression (net margin from ~30% to 19.3%) and declining operating cash flow ($24.1M vs. $38.7M peak) are meaningful concerns. The balance sheet is a bright spot with aggressive deleveraging (D/E dropping to 0.12x), though ROE at 8.6% remains below historical levels. Cash flow deterioration despite rising earnings signals potential underlying balance sheet pressures. Overall, the bank is financially stable but faces profitability headwinds.
Income Statement
55NeutralBalance Sheet
62PositiveCash Flow
48Neutral| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 157.94M | 155.61M | 148.10M | 114.15M | 125.58M | 118.95M |
| Gross Profit | 122.19M | 117.50M | 110.45M | 114.15M | 123.50M | 115.19M |
| EBITDA | 41.89M | 38.95M | 35.66M | 29.99M | 52.33M | 53.06M |
| Net Income | 32.12M | 29.97M | 23.85M | 20.19M | 37.48M | 36.41M |
Balance Sheet | ||||||
| Total Assets | 3.19B | 3.30B | 3.30B | 3.37B | 3.33B | 3.54B |
| Cash, Cash Equivalents and Short-Term Investments | 31.22M | 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 | 2.83B | 2.96B | 3.02B | 3.11B | 3.13B | 3.22B |
| Stockholders Equity | 355.41M | 346.73M | 280.81M | 255.41M | 202.02M | 319.20M |
Cash Flow | ||||||
| Free Cash Flow | 0 | 21.72M | 25.62M | 36.15M | 34.46M | 27.58M |
| Operating Cash Flow | 0 | 24.11M | 27.47M | 38.69M | 37.62M | 37.80M |
| Investing Cash Flow | 0 | 95.44M | 0 | 34.12M | -360.98M | -288.56M |
| Financing Cash Flow | 0 | -66.16M | 0 | -31.57M | -101.24M | 387.32M |
Exchange Bank (Santa Rosa) Peers Comparison
Overall Rating
FRAF78Outperform
EFSI75Outperform
FXNC71Outperform
INBK66Neutral
OPBK65Neutral- EXSR61Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| FRAF | 78Outperform | $321.33M | 11.22 | 15.56% | 1.94% | 7.25% | 76.47% |
| EFSI | 75Outperform | $251.45M | 13.74 | 9.27% | 2.73% | 17.02% | 47.37% |
| FXNC | 71Outperform | $285.48M | 11.90 | 12.06% | 2.24% | 0.88% | 103.52% |
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
| INBK | 66Neutral | $236.94M | 14.98 | 4.17% | 0.93% | 7.39% | ― |
| OPBK | 65Neutral | $229.96M | 7.31 | 12.79% | 3.66% | 7.57% | 28.18% |
| EXSR | 61Neutral | $265.65M | 8.03 | 9.37% | 3.48% | 2.63% | 8.01% |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| EXSR | Exchange Bank (Santa Rosa) | 152.00 | 38.45 | 33.86% | |
| INBK | First Internet Bancorp | 25.77 | 8.07 | 45.63% | |
| OPBK | Op Bancorp | 14.77 | 2.13 | 16.88% | |
| FXNC | First National Corp | 30.35 | 8.05 | 36.10% | |
| FRAF | Franklin Financial Services | 69.55 | 24.33 | 53.81% | |
| EFSI | Eagle Financial Services | 45.34 | 10.89 | 31.61% |
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.
Date of analysis: Aug 06, 2026