OTC · Banks - Regional

Exchange Bank (Santa Rosa, CA) (EXSR) Stock

$166.00 +0.00% OTC: EXSR Financial Services

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.

Valuation

MetricValue
Price$166.00
Market Cap$284.58M
P/E Ratio8.93
P/B Ratio0.81
P/S Ratio1.92
EPS (TTM)$18.59
52-Week High$170.00
52-Week Low$105.00
Dividend Yield3.25%

Financials & Margins

MetricValue
ROE9.47%
ROA0.98%
ROCE1.54%
Gross Margin81.56%
Operating Margin34.03%
Net Margin21.49%
Debt/Equity0.11
Current Ratio0.07

Annual Financials (USD)

Metric20212022202320242025
Revenue$119.0M$126.0M$114.0M$148.0M$156.0M
Operating Profit$65.0M$68.0M$28.0M$34.0M$39.0M
Net Profit$36.0M$37.0M$20.0M$24.0M$30.0M
EPS$21.24$21.86$11.78$13.91$17.48
Op Margin54.8%54.0%24.3%22.7%25.0%

Balance Sheet (USD)

Metric20212022202320242025
Total Assets$3.5B$3.3B$3.4B$3.3B$3.3B
Total Liabilities$3.2B$3.1B$3.1B$3.0B$3.0B
Cash$473.0M$48.0M$36.0M$29.0M$188.0M
Borrowings$8.0M$28.0M$233.0M$140.0M$40.0M

Latest News

After decades in Woodward, Stock Exchange Bank plans merger with Cowboy Bank The Woodward News, Okla. · Jun 23, 2026

Cash Flow (USD)

Metric20212022202320242025
Operating Cash Flow$38.0M$38.0M$39.0M$27.0M$24.0M
Investing Cash Flow$-299.0M$-364.0M$32.0M$-2.0M$93.0M
Financing Cash Flow$401.0M$-113.0M$-228.0M$94.0M$43.0M
Net Cash Flow$137.0M$-425.0M$-7.0M$0$0
Free Cash Flow$28.0M$34.0M$36.0M$26.0M$22.0M

Valuation & Return Ratios

MetricValue
PEG Ratio0.30
EV / EBITDA—
FCF Yield—
Quick Ratio—
Interest Coverage—
Return 1Y52.27%
Return 3Y100.28%
Return 5Y36.84%

Ownership

Insiders Held0.00%
Institutions Held8.51%
Institutions Float Held8.51%
Institutional HolderSharesReport Date
Cutler Capital Management, LLC75,7812026-03-31
Siena Capital Partners GP, LLC69,8952026-03-31

Peer Comparison

TickerPriceChangeP/EMarket CapDiv Yield
AAPLApple Inc. $313.33 +0.29% 37.72 $4.60T 0.34%
MSFTMicrosoft Corporation $499.99 +0.03% 22.95 $3.71T 0.94%
GOOGLAlphabet Inc. $354.30 -0.96% 27.68 $4.29T 0.23%
AMZNAmazon.com, Inc. $274.48 +0.82% 28.76 $2.95T 0.00%
METAMeta Platforms, Inc. $592.10 +0.37% 21.47 $1.51T 0.35%

About Exchange Bank (Santa Rosa, CA)

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.

Exchange Bank (Santa Rosa, CA) is headquartered in US.

Exchange Bank (Santa Rosa, CA) (EXSR) stock trades at $166.00 with a market capitalization of $284.58M. The stock is valued at a price-to-earnings (P/E) ratio of 8.93, price-to-book of 0.81, price-to-sales of 1.92. Over the past 52 weeks the stock has ranged between $105.00 and $170.00, and currently trades 2.4% below its 52-week high. It pays a dividend yielding 3.25%.

On profitability, Exchange Bank (Santa Rosa, CA) generates a return on equity (ROE) of 9.47%, return on capital employed of 1.54%, an operating margin of 34.03%, a net profit margin of 21.49%.

Official website: www.exchangebank.com

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