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OTCM
EXSR
Market cap190mUSD
Jul 11, Last price  
111.08USD
1D
0.00%
1Q
4.79%
Jan 2017
-11.14%
Name

Exchange Bank

Chart & Performance

D1W1MN
P/E
7.98
P/S
1.72
EPS
13.92
Div Yield, %
3.51%
Shrs. gr., 5y
—
Rev. gr., 5y
-2.59%
Revenues
110m
-3.24%
86,742,00089,441,00090,038,00085,990,00086,827,00089,743,00086,827,00085,259,00084,441,00084,841,00089,137,00093,249,000105,244,000119,100,000125,906,000121,211,000118,951,000125,578,000114,150,000110,447,000
Net income
24m
+18.13%
19,457,00021,628,00013,399,000-18,504,000-3,863,00010,256,00012,178,00012,262,00015,729,00017,709,00021,028,00021,502,00019,508,00038,511,00036,501,00033,699,00036,410,00037,480,00020,193,00023,853,000
CFO
0k
-100.00%
9,107,00018,926,00016,002,00029,806,00025,288,00030,101,00023,668,000014,448,00024,000,00029,023,00034,875,00039,391,00033,511,00037,799,00037,618,00038,685,0000
Dividend
Sep 06, 20241.3 USD/sh
Earnings
Jul 23, 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
FYFYFYFYFYFYFYFYFYFY
2024‑122023‑122022‑122021‑122020‑122019‑122018‑122017‑122016‑122015‑12
Income
Revenues
110,447
-3.24%
114,150
-9.10%
125,578
5.57%
Cost of revenue
(25,058)
55,755
Unusual Expense (Income)
NOPBT
110,447
139,208
69,823
NOPBT Margin
100.00%
121.95%
55.60%
Operating Taxes
9,725
7,519
12,606
Tax Rate
8.81%
5.40%
18.05%
NOPAT
100,722
131,689
57,217
Net income
23,853
18.13%
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
140,000
236,680
26,529
Deferred revenue
Other long-term liabilities
2,878,724
(5,840)
1,948,563
Net debt
111,361
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
(2,154,367)
1,355,242
831,631
Balance
Cash
28,639
35,645
48,373
Long term investments
15,257
16,244
Excess cash
23,117
45,194
58,338
Stockholders' equity
280,809
572,060
155,998
Invested Capital
3,276,416
(1,848,522)
2,133,930
ROIC
14.11%
92.28%
2.75%
ROCE
3.35%
12.86%
3.18%
EV
Common stock shares outstanding
1,714
1,714
1,714
Price
108.25
7.18%
101.00
-10.64%
113.03
-27.29%
Market cap
185,578
7.18%
173,149
-10.64%
193,772
-27.29%
EV
296,939
358,927
177,365
EBITDA
110,447
141,486
72,066
EV/EBITDA
2.69
2.54
2.46
Interest
40
Interest/NOPBT
0.06%