OTC · Banks - Regional

Exchange Bankshares, Inc. (EXCH) Stock

$69.00 +2.22% OTC: EXCH Financial Services

Exchange Bankshares, Inc. operates as the holding company for Exchange Bank that provides personal and business banking products and services in Georgia.

Valuation

MetricValue
Price$69.00
Market Cap$40.62M
P/E Ratio0.00
P/B Ratio0.85
P/S Ratio1.68
EPS (TTM)$0.00
52-Week High$70.00
52-Week Low$50.51
Dividend Yield2.55%

Financials & Margins

MetricValue
ROE10.98%
ROA1.18%
ROCE7.76%
Gross Margin76.54%
Operating Margin26.06%
Net Margin20.72%
Debt/Equity0.65
Current Ratio0.02

Annual Financials (USD)

Metric20212022202320242025
Revenue$14.0M$15.0M$17.0M$16.0M$24.0M
Operating Profit$4.0M$4.0M$5.0M$6.0M$6.0M
Net Profit$3.0M$4.0M$4.0M$4.0M$5.0M
EPS$5.62$5.78$6.83$7.53$0.00
Op Margin30.5%28.8%29.6%35.5%26.1%

Balance Sheet (USD)

Metric20212022202320242025
Total Assets$365.0M$363.0M$374.0M$395.0M$425.0M
Total Liabilities$325.0M$328.0M$335.0M$352.0M$377.0M
Cash$37.0M$9.0M$8.0M$9.0M$8.0M
Borrowings$0$0$20.0M$25.0M$31.0M

Cash Flow (USD)

Metric20212022202320242025
Operating Cash Flow$4.0M$5.0M$6.0M$5.0M$8.0M
Investing Cash Flow$-56.0M$-7.0M$-13.0M$-21.0M$-34.0M
Financing Cash Flow$49.0M$-3.0M$-8.0M$11.0M$19.0M
Net Cash Flow$-4.0M$0$-1.0M$0$1.0M
Free Cash Flow$4.0M$5.0M$6.0M$5.0M$4.0M

Valuation & Return Ratios

MetricValue
PEG Ratio0.00
EV / EBITDA—
FCF Yield—
Quick Ratio—
Interest Coverage—
Return 1Y40.10%
Return 3Y86.81%
Return 5Y96.19%

Peer Comparison

TickerPriceChangeP/EMarket CapDiv Yield
ALBYCommunity Capital Bancshares, Inc. $32.33 +1.06% 8.40 $41.14M 6.34%
CYSMCommunity Bancorp of Santa Maria $21.00 -5.19% 10.50 $45.40M 1.52%
HCBCHigh Country Bancorp, Inc. $43.61 -0.32% 9.38 $43.50M 4.59%
HCBNHCB Financial Corp. $73.11 +0.00% 12.76 $73.11M 1.91%
HCKGHocking Valley Bancshares, Inc. $31.00 +0.00% 8.45 $38.54M 2.58%

About Exchange Bankshares, Inc.

Exchange Bankshares, Inc. operates as the holding company for Exchange Bank that provides personal and business banking products and services in Georgia. It offers checking and savings accounts; and mortgage, real estate, consumer, commercial, and home equity loans. The company also provides cash management, internet and mobile banking, travel club, bill payment, and merchant services, as well as credit cards. In addition, it offers investment management, financial advising, insurance and annuity products, retirement planning, retirement plan rollovers, business retirement plans, and life insurance services. The company was founded in 1903 and is based in Milledgeville, Georgia.

Exchange Bankshares, Inc. is headquartered in US.

Exchange Bankshares, Inc. (EXCH) stock trades at $69.00 with a market capitalization of $40.62M. The stock is valued at a price-to-earnings (P/E) ratio of 0.00, price-to-book of 0.85, price-to-sales of 1.68. Over the past 52 weeks the stock has ranged between $50.51 and $70.00, and currently trades 1.4% below its 52-week high. It pays a dividend yielding 2.55%.

On profitability, Exchange Bankshares, Inc. generates a return on equity (ROE) of 10.98%, return on capital employed of 7.76%, an operating margin of 26.06%, a net profit margin of 20.72%.

Official website: www.exch.bank

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