Exchange Bank (Santa Rosa) (EXSR)
OTHER OTC:EXSR
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Exchange Bank (Santa Rosa)
(OTC:EXSR)
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Rating:80Outperform
Price Target:
$165.00
â–²(21.91% Upside)
Action:ReiteratedDate:03/19/26
The score is driven primarily by improving financial performance and a notably de-risked balance sheet, reinforced by very attractive valuation (low P/E and solid dividend yield). Technicals are supportive but not strongly bullish, with mostly neutral momentum readings.
Positive Factors
De-risked balance sheet
A materially lower debt-to-equity (~0.12) meaningfully reduces funding and solvency risk and increases capital flexibility. This stronger capital posture supports sustained lending through cycles, regulatory resilience, and ability to absorb credit shocks over coming quarters.
Negative Factors
Profitability below peak
Net margins of ~19% in 2025 remain materially below the ~30% peak in 2021–2022, implying structural compression versus prior years. Absent a sustained shift in margins or mix, long-term earnings power and return expansion may be constrained compared with historical highs.
Read all positive and negative factors
Positive Factors
Negative Factors
De-risked balance sheet
A materially lower debt-to-equity (~0.12) meaningfully reduces funding and solvency risk and increases capital flexibility. This stronger capital posture supports sustained lending through cycles, regulatory resilience, and ability to absorb credit shocks over coming quarters.
Read all positive factors
Exchange Bank (Santa Rosa) (EXSR) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$244.73M
Dividend Yield4.02%
Average Volume (3M)435.00
Price to Earnings (P/E)6.4
Beta (1Y)0.17
Revenue Growth5.03%
EPS Growth37.60%
CountryUS
Employees400
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)5.11
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 Cap0.41
Enterprise Value/Revenue0.74
Enterprise Value/Gross Profit0.88
Enterprise Value/Ebitda2.70
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 (Santa Rosa, CA), together with its subsidiaries, provides commercial and retail banking products and services to individuals and businesses in California. The company offers personal banking products and services, including checking...
How the Company Makes Money
Exchange Bank’s primary earnings typically come from (1) net interest income and (2) noninterest income. Net interest income is generated by earning interest and fees on loans (such as commercial, consumer, and real estate loans) and on investment...
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 | 136.07M | 155.61M | 148.10M | 114.15M | 125.58M | 118.95M |
| Gross Profit | 114.79M | 117.50M | 110.45M | 114.15M | 123.50M | 115.19M |
| EBITDA | 37.22M | 38.95M | 33.58M | 29.99M | 52.33M | 53.06M |
| Net Income | 26.41M | 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 | 0.00 | 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 | 2.95B | 2.96B | 3.02B | 3.11B | 3.13B | 3.22B |
| Stockholders Equity | 316.42M | 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) Technical Analysis
Positive
135.35
Price Trends
142.68
Positive
135.99
Positive
122.97
Positive
Market Momentum
0.29
Negative
50.84
Neutral
76.70
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For EXSR, the sentiment is Positive. The current price of 135.35 is below the 20-day moving average (MA) of 141.68, below the 50-day MA of 142.68, and above the 200-day MA of 122.97, indicating a bullish trend. The MACD of 0.29 indicates Negative momentum. The RSI at 50.84 is Neutral, neither overbought nor oversold. The STOCH value of 76.70 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for EXSR.
Exchange Bank (Santa Rosa) Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
80 Outperform | $244.73M | 6.36 | 9.24% | 4.02% | 5.03% | 37.60% | |
77 Outperform | $254.11M | 10.64 | 9.91% | 2.51% | 12.06% | 10.38% | |
69 Neutral | $210.26M | 8.19 | 11.75% | 3.32% | 9.10% | 12.36% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
63 Neutral | $259.11M | 12.82 | 9.98% | 2.49% | 48.94% | 11.61% | |
58 Neutral | $210.00M | 26.01 | 6.63% | 3.11% | -1.45% | -31.32% | |
48 Neutral | $201.27M | -5.18 | -9.44% | 1.07% | 2.49% | -248.43% |
* Financial Sector Average
EXSR
Exchange Bank (Santa Rosa)
142.79
41.28
40.66%
INBK
First Internet Bancorp
23.09
0.17
0.73%
OPBK
OP Bancorp
14.12
3.31
30.62%
FXNC
First National
28.66
10.56
58.38%
FRAF
Franklin Financial Services
56.57
22.18
64.51%
EFSI
Eagle Financial Services
38.80
8.91
29.80%
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.