Exchange Bank (Santa Rosa) (EXSR) AI Stock Analysis

• Market Cap: $183.40M
• Dividend Yield: 4.86%
• Average Volume (3M): 634.00
• Price to Earnings (P/E): 7.5
• Beta (1Y): 0.46
• Revenue Growth: 6.39%
• EPS Growth: 18.12%
• Country: US
• Employees: 400
• Sector: Financial
• Sector Strength: 75
• Industry: Banks - Regional
• EPS (TTM): 3.27
• Shares Outstanding: 1,714,000
• 10 Day Avg. Volume: 541
• 30 Day Avg. Volume: 634
• PEG Ratio: 1.77
• Price to Book (P/B): 0.96
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 5.62
• Enterprise Value/Market Cap: 0.95
• Enterprise Value/Revenue: 0.33
• Enterprise Value/Gross Profit: 1.22
• Enterprise Value/Ebitda: 6.46
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

• Rating: 72 Outperform
• Price Target: ―

Exchange Bank (Santa Rosa) maintains strong financial health with robust margins and a stable balance sheet. However, recent revenue declines and limited cash flow data pose some risks. The stock's technical indicators suggest stability without strong upward momentum. Its attractive valuation, with a low P/E ratio and high dividend yield, enhances investment appeal, offsetting some financial performance concerns.

Exchange Bank (Santa Rosa) Business Overview & Revenue Model

Company Description

Exchange Bank (Santa Rosa) (EXSR) is a community bank headquartered in Santa Rosa, California. It operates primarily within the financial services sector, offering a range of banking products and services including personal and business banking, mortgage lending, and wealth management. The bank is committed to serving the financial needs of individuals, businesses, and organizations in its community, emphasizing customer service and local decision-making.

How the Company Makes Money

Exchange Bank generates revenue through a variety of financial services and products. Its primary revenue streams include interest income from loans and mortgages, fees from banking services, and income from investment and wealth management services. The bank extends both personal and commercial loans, earning interest as borrowers make repayments. Additionally, the bank collects fees for account maintenance, transaction processing, and other banking services. Through its wealth management division, Exchange Bank earns fees and commissions for financial advisory and asset management services. Strategic partnerships with financial technology providers and participation in local economic initiatives also play a role in enhancing the bank's service offerings and expanding its market reach.

Exchange Bank (Santa Rosa) Financial Statement Overview

Summary

Exchange Bank (Santa Rosa) demonstrates solid profitability and financial health, particularly with strong margins and a sound balance sheet. However, recent revenue declines and limited cash flow data pose risks. Continued focus on revenue growth and comprehensive cash flow management would enhance financial robustness.

Income Statement

Exchange Bank (Santa Rosa) has shown mixed revenue performance with recent declines. The net profit margin and EBIT margin indicate stable profitability, although revenue growth has been negative in the latest period. The bank maintains healthy margins, which is a positive sign of operational efficiency.

Balance Sheet

The bank has a solid equity position with a moderate debt-to-equity ratio, suggesting prudent financial leverage. The equity ratio is robust, indicating strong financial stability and capacity to absorb potential losses. Overall, the balance sheet reflects a healthy financial structure.

Cash Flow

Cash flow metrics are limited due to missing data on free cash flow growth and other key metrics. However, historical data shows consistent positive free cash flow, which supports operational funding. Lack of detailed cash flow data poses challenges in comprehensive evaluation.

Breakdown	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	110.45M	114.15M	125.58M	118.95M	121.21M
Gross Profit	110.45M	139.21M	125.58M	118.95M	121.21M
EBITDA	33.58M	29.99M	52.33M	53.06M	-275.00K
Net Income	23.85M	20.19M	37.48M	36.41M	33.70M
Balance Sheet
Total Assets	3.30B	3.37B	3.33B	3.54B	3.14B
Cash, Cash Equivalents and Short-Term Investments	28.64M	35.65M	48.37M	472.97M	336.41M
Total Debt	140.00M	225.00M	28.21M	7.94M	5.00M
Total Liabilities	3.02B	3.11B	3.13B	3.22B	2.83B
Stockholders Equity	280.81M	255.41M	202.02M	319.20M	304.92M
Cash Flow
Free Cash Flow	0.00	35.45M	34.46M	27.58M	29.00M
Operating Cash Flow	27.47M	38.69M	37.62M	37.80M	33.51M
Investing Cash Flow	0.00	34.12M	-360.98M	-288.56M	-322.39M
Financing Cash Flow	0.00	-31.57M	-101.24M	387.32M	420.34M

Exchange Bank (Santa Rosa) Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 107.99
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: 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 107.99 is above the 20-day moving average (MA) of 106.17, above the 50-day MA of 106.56, and above the 200-day MA of 106.04, indicating a bullish trend. The MACD of 0.76 indicates Negative momentum. The RSI at 53.39 is Neutral, neither overbought nor oversold. The STOCH value of 65.87 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

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
HWBK	79 Outperform	$199.34M	10.64	6.62%	2.78%	4.86%	800.59%
FVCB	76 Outperform	$240.19M	13.01	8.16%	―	17.18%	305.35%
EXSR	72 Outperform	$183.40M	7.53	8.89%	4.86%	6.39%	18.12%
CFFI	72 Outperform	$210.38M	9.91	9.67%	2.83%	10.36%	10.16%
OPOF	72 Outperform	$208.44M	20.91	8.85%	1.37%	4.92%	55.04%
FINW	69 Neutral	$207.34M	17.17	7.16%	―	10.74%	-27.38%
Sector *	68 Neutral	$16.73B	11.75	9.79%	3.76%	11.87%	-7.97%