1. United States of America Stocks

  2. •

    Financial Services

  3. •

    Banks - Regional
Exchange Bankshares, Inc.

Exchange Bankshares, Inc.

EXCH
Exchange Bankshares, Inc.US flagOther OTC
66.00
USD
- -
- -
38.85MMarket Cap
2000 Y
2001 Y
2002 Y
2003 Y
2004 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
8.41
8.35
8.41
7.68
- -
19.06
21.67
21.97
23.58
24.42
26.85
- -
1.78
Basic EPS, GAAP
- -
1.01
-1.86
0.51
- -
5.1
5.18
5.62
5.78
6.83
7.53
- -
-0.38
Free Cash Flow per Basic Share
2.41
1.34
0.54
1.84
- -
4.79
2.08
8.25
9.64
9.52
7.86
- -
0.13
Dividend per Share
0.49
0.5
0.25
0.25
- -
0.88
0.96
1.04
1.12
1.28
1.44
- -
0.05
Book Value per Share
3.24
3.77
6.59
6.85
- -
36.76
41.59
46.52
51.14
57.22
63.67
- -
- -
Tangible Book Value per Share
-0.15
-0.14
15.58
15.68
- -
58.78
65.89
66.42
57.86
64.6
72.53
- -
- -
Basic Weighted Avg Shares
1
1
1
1
- -
1
1
1
1
1
1
- -
1
Sales/Revenue/Turnover
5
5
5
5
4
12
13
13
14
15
16
18
1
Operating Margin (%)
-68.57
17.6
-33.97
5.37
-88.37
- -
- -
- -
- -
- -
- -
- -
-285.93
Depreciation Expense
- -
- -
- -
- -
1
- -
- -
- -
1
2
2
2
- -
Net Income, GAAP
- -
1
-1
- -
- -
3
3
3
4
4
4
5
- -
Effective Tax Rate (%)
- -
31.24
- -
- -
- -
22.86
20.4
20.43
18.41
20.58
21.08
20.48
- -
Profit Margin (%)
- -
12.1
-22.11
6.68
-9.1
26.74
23.89
25.6
24.5
27.97
28.04
27.07
-21.24
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
3
- -
- -
- -
- -
- -
- -
- -
- -
20
25
31
- -
Total Equity
- -
- -
9
9
- -
37
40
40
35
39
43
48
- -
Return on Invested Capital (%)
- -
43.1
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Common Equity (%)
- -
28.86
-35.91
7.63
-15.53
26.89
13.12
12.72
11.84
12.54
12.42
12.49
- -

Capital Structure

FRC

•

in mil. unless spec.
Dec'02
Mar'03
Jun'04
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
- -
1
- -
Market Capitalization
- -
- -
17

Working Capital

FRC

•

in mil. unless spec.
Dec'02
Mar'03
Jun'04
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
18
3
24
Accounts Receivable, Net
- -
1
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
- -
3.96%
10.58%
Free Cash Flow
62.7%
56.35%
-8.83%
Net Income, GAAP
-154.66%
9.67%
11.31%
Sales/Revenue/Turnover
22.18%
7%
15.3%
Total Cash Common Dividend
- -
8.99%
4.85%

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
- -
- -
- -
- -
15
2024
- -
- -
- -
- -
16
2025
- -
- -
- -
- -
18

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
- -
- -
- -
- -
6.83
2024
- -
- -
- -
- -
7.53
2025
- -
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
- -
- -
- -
- -
1.28
2024
- -
- -
- -
- -
1.44
2025
- -
- -
- -
- -
- -

Company Description

APIChatGPT
CEO
John C. Childs
Full Time Employees
2,284
Sector
Financial Services
Industry
Banks - Regional
Address
250 West Hancock Street Milledgeville GA United States of America 31061
IPO Date
Oct 15, 2010
Website
exch.bank
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Business
Exchange Bankshares, Inc. (OTC: EXCH) serves as the holding company for Exchange Bank, a full-service community bank providing personal, business, commercial real estate, and trust and investment management services primarily in California. Founded in 1890 and headquartered in Santa Rosa, California, the company through its subsidiary offers checking and savings accounts; mortgage, real estate, consumer, commercial, multifamily, construction, home equity, SBA, C&I, and residential loans; cash management services; internet and mobile banking; travel club; bill payment; merchant services; and credit cards. Exchange Bank operates 17 retail branches in Sonoma County, one retail branch in Roseville, and trust and investment management offices in Santa Rosa, Roseville, Marin County, and Silicon Valley, with total assets of approximately $3.31 billion as of September 30, 2025. In recent developments, the bank reported third quarter 2025 net income of $8.6 million, up from $4.9 million in the prior year quarter, driven by a 17% increase in net interest income from higher loan volumes and reduced borrowings, alongside non-interest income growth from a $1.4 million gain on the sale of bank premises; gross loans grew 6% year-over-year to $1.71 billion, deposits rose 2.5% to $2.89 billion, and borrowings decreased significantly to $40 million following the January 2025 payoff of a Federal Reserve Bank Term Funding Program loan. The bank maintains strong asset quality with non-accrual loans at 0.17% of gross loans and a total risk-based capital ratio of 19.46%, while promoting key personnel including Jonathan Pope to Senior Vice President – Commercial Lender, Julia Little to Loan Compliance Officer, and Jeremy Cook to Assistant Vice President – Security Officer.