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OTCMEXSR
Market cap186mUSD
Jan 22, Last price  
109.00USD
1D
4.56%
1Q
0.00%
Jan 2017
-12.80%
Name

Exchange Bank

Chart & Performance

D1W1MN
OTCM:EXSR chart
P/E
9.25
P/S
1.64
EPS
11.78
Div Yield, %
3.58%
Shrs. gr., 5y
—
Rev. gr., 5y
-0.85%
Revenues
114m
-9.10%
77,375,00086,742,00089,441,00090,038,00085,990,00086,827,00089,743,00086,827,00085,259,00084,441,00084,841,00089,137,00093,249,000105,244,000119,100,000125,906,000121,211,000118,951,000125,578,000114,150,000
Net income
20m
-46.12%
16,458,00019,457,00021,628,00013,399,000-18,504,000-3,863,00010,256,00012,178,00012,262,00015,729,00017,709,00021,028,00021,502,00019,508,00038,511,00036,501,00033,699,00036,410,00037,480,00020,193,000
CFO
39m
+2.84%
9,107,00018,926,00016,002,00029,806,00025,288,00030,101,00023,668,000014,448,00024,000,00029,023,00034,875,00039,391,00033,511,00037,799,00037,618,00038,685,000
Dividend
Sep 06, 20241.3 USD/sh
Earnings
Jan 28, 2025

Profile

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 and savings accounts; home loans, personal lines of credit, unsecured personal loans, and auto loans; overdraft line of credit accounts; and community rebuild loan programs. It also provides business banking products and services, such as business checking and savings accounts; merchant services; business equipment leasing; commercial real estate and construction loans; and business term loans, business line of credit, and small business administration (SBA) loans, as well as vineyard, winery, and agricultural loans. In addition, the company offers debit and credit cards; online and mobile banking services; and trust administration, investment management, and estate settlement services, as well as retirement accounts and plans. As of February 25, 2022, it operated 17 branches located in Sonoma County; and a commercial branch in Roseville, California. The company was founded in 1890 and is headquartered in Santa Rosa, California. Exchange Bank (Santa Rosa, CA) operates as a subsidiary of Frank P. Doyle Trust, Article IX.
URL
https://www.exchangebank.com/
IPO date
Mar 09, 1994
Employees
400
Domiciled in
US
Incorporated in
US

Valuation

Title
USD in thousands, except ratios and share amounts
FYFYFYFYFYFYFYFYFY
2023‑122022‑122021‑122020‑122019‑122018‑122017‑122016‑122015‑12
Income
Revenues
114,150
-9.10%
125,578
5.57%
Cost of revenue
(25,058)
55,755
Unusual Expense (Income)
NOPBT
139,208
69,823
NOPBT Margin
121.95%
55.60%
Operating Taxes
7,519
12,606
Tax Rate
5.40%
18.05%
NOPAT
131,689
57,217
Net income
20,193
-46.12%
37,480
2.94%
Dividends
(8,401)
Dividend yield
4.34%
Proceeds from repurchase of equity
BB yield
Debt
Debt current
21,681
Long-term debt
236,680
26,529
Deferred revenue
Other long-term liabilities
(5,840)
1,948,563
Net debt
185,778
(16,407)
Cash flow
Cash from operating activities
38,685
37,618
CAPEX
(3,159)
Cash from investing activities
34,120
(360,976)
Cash from financing activities
(31,567)
(101,238)
FCF
1,355,242
831,631
Balance
Cash
35,645
48,373
Long term investments
15,257
16,244
Excess cash
45,194
58,338
Stockholders' equity
572,060
155,998
Invested Capital
(1,848,522)
2,133,930
ROIC
92.28%
2.75%
ROCE
12.86%
3.18%
EV
Common stock shares outstanding
1,714
1,714
Price
101.00
-10.64%
113.03
-27.29%
Market cap
173,149
-10.64%
193,772
-27.29%
EV
358,927
177,365
EBITDA
141,486
72,066
EV/EBITDA
2.54
2.46
Interest
40
Interest/NOPBT
0.06%