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
Exchange Bankshares, Inc.
EXCH
(Other OTC)

Recent

price

66.00

P/E

ratio

- -

div

yld

- -

ROIC.AI

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

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
- -
- -
- -
- -
- -
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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.