Exchange Bank (Santa Rosa, CA) (EXSR)
Full history for every metric is available with a Kvantra account
No price history available.
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total net revenue | $m | 121 | 117 | 124 | 89 | 105 | 117 | 122 | - |
| Operating profit | $m | 39 | 42 | ||||||
| Net profit | $m | 34 | 36 | 37 | 20 | 24 | 30 | 32 | - |
| EPS reported | $ | 17.48 | 18.74 | ||||||
| Operating cashflow per share | $ | 14.07 | 0.00 | ||||||
| Capex per share | $ | 1.40 | 0.00 | ||||||
| FCF per share | $ | 12.67 | 0.00 | ||||||
| Free cash flow | $m | 22 | 0 | ||||||
| Net debt | $m | -1,356 | 9 | ||||||
| Book value equity | $m | 347 | 355 | ||||||
| Book value per share | $ | 202.3 | 207.4 | ||||||
| Number of shares | m | 1.71 | 1.71 | ||||||
| DPS (TTM paid) | $ | 5.20 | 5.30 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 7.44 | 8.55 | ||||||
| P/B LTM | x | 0.64 | 0.63 | ||||||
| P/S LTM | x | 1.90 | 1.82 | ||||||
| P/FCF LTM | x | 10.26 | 0.00 | ||||||
| EV/EBITDA LTM | x | 1.92 | 1.79 | ||||||
| EV/Sales LTM | x | 0.48 | 1.98 | ||||||
| Earnings Yield LTM | % | +13.44% | +11.70% | ||||||
| FCF Yield | % | +9.74% | 0.00% | ||||||
| Quality | |||||||||
| ROE | % | +8.64% | +9.47% | ||||||
| ROIC | % | +6.37% | +1.18% | ||||||
| Operating margin | % | +25.03% | +34.03% | ||||||
| Gross margin | % | +75.51% | +81.56% | ||||||
| FCF/Sales | % | +13.96% | 0.00% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | +25.66% | +34.72% | ||||||
| Sales Growth YoY | % | +12.28% | +16.86% | ||||||
| Net Income Growth YoY | % | +25.64% | +34.64% | ||||||
| FCF Growth | % | -15.23% | -100.00% | ||||||
| Operating Profit Growth | % | +16.00% | +24.76% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | +4.00% | +3.18% | ||||||
| Dividend Growth | % | 0.00% | +1.92% | ||||||
| Payout Ratio | % | +29.75% | 0.00% | ||||||
| FCF/Debt | x | 0.54 | 0.00 | ||||||
| Net Debt/EBITDA | x | -3.80 | 0.26 | ||||||
| EBIT/Net interest | x | 1.02 | 1.85 | ||||||
| Net debt/market cap | % | +36.79% | +14.14% | ||||||
| Net debt/Equity | x | -3.91 | 0.02 | ||||||
| Gross debt/equity | x | 0.12 | 0.11 | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
Exchange Bank, 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 banking, the institution offers fundamental options such as checking and savings accounts. It also provides a variety of lending solutions including home mortgages, personal credit lines, unsecured loans, auto financing, and overdraft protection. Additionally, it supports community initiatives through specific rebuild loan programs. On the commercial side, Exchange Bank caters to businesses with checking and savings accounts, merchant processing services, and equipment leasing. Its business lending portfolio is extensive, covering commercial real estate and construction financing, term loans, business lines of credit, Small Business Administration (SBA) loans, and specialized funding for vineyards, wineries, and agricultural ventures. Furthermore, the bank extends its offerings to include debit and credit cards, convenient online and mobile banking platforms, and sophisticated wealth management services encompassing trust administration, investment management, and estate settlement, alongside various retirement accounts and plans. Founded in 1890 and based in Santa Rosa, California, Exchange Bank maintained 17 branches across Sonoma County and a commercial office in Roseville, California, as of February 25, 2022. The bank operates as a subsidiary under the Frank P. Doyle Trust, Article IX.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
Exchange Bank (Santa Rosa, CA) (EXSR)
No price history available.
Not enough data to calculate KvantraRank
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
Exchange Bank, 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 banking, the institution offers fundamental options such as checking and savings accounts. It also provides a variety of lending solutions including home mortgages, personal credit lines, unsecured loans, auto financing, and overdraft protection. Additionally, it supports community initiatives through specific rebuild loan programs. On the commercial side, Exchange Bank caters to businesses with checking and savings accounts, merchant processing services, and equipment leasing. Its business lending portfolio is extensive, covering commercial real estate and construction financing, term loans, business lines of credit, Small Business Administration (SBA) loans, and specialized funding for vineyards, wineries, and agricultural ventures. Furthermore, the bank extends its offerings to include debit and credit cards, convenient online and mobile banking platforms, and sophisticated wealth management services encompassing trust administration, investment management, and estate settlement, alongside various retirement accounts and plans. Founded in 1890 and based in Santa Rosa, California, Exchange Bank maintained 17 branches across Sonoma County and a commercial office in Roseville, California, as of February 25, 2022. The bank operates as a subsidiary under the Frank P. Doyle Trust, Article IX.
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