Exchange Bank (EXSR) Stock Price

Exchange Bank Price

OTC·CLOSED
165.00USD-1.00 (-0.60 %)
Market closed

Over the last 19 years Exchange Bank grew revenue by 1.7% annually, reaching 155.61 M USD. Earnings per share have grown at 1.7% per year over the last 19 years. For Exchange Bank, the net margin of 19.3% is down versus 30.6% a few years ago. At today's price the dividend yield works out to roughly 3.15%. The payout ratio is around 30% of earnings. The dividend has grown at 0.2% per year over the past 19 years. The stock trades about 54% above its 52-week low.

Exchange Bank stock price

Volume
Ex-Dividend
Details

Stock Price

How to Read This Chart

This chart tracks the historical stock price of Exchange Bank over time. You can switch between daily, weekly, and monthly views and select custom time ranges — from a single day to the full available history. Use the toggle to view price changes in absolute currency terms or as a percentage change relative to the starting date.

Total Return vs. Price Return

The "Total Return" toggle includes reinvested dividends on top of the pure price movement. This is critical because dividends can account for a significant portion of long-term returns. Historically, roughly 40 % of the S&P 500's total return has come from dividends. Always compare total return when evaluating a stock's real performance against a benchmark.

Intraday Price Data

When viewing a one-day time frame, the chart displays real-time intraday price movements. This is useful for observing how Exchange Bank stock reacts to market openings, earnings releases, or breaking news throughout the trading session.

What to Look For

Look for long-term trends (sustained upward or downward movements over months and years), support and resistance levels (price zones where the stock repeatedly bounces or reverses), and volatility (how much the price fluctuates day to day). Comparing Exchange Bank's price chart to a market index like the S&P 500 can reveal whether the stock is outperforming or underperforming the broader market.

Exchange Bank Stock Price History
DateExchange Bank Price
7/22/2026165.00 USD
7/21/2026166.00 USD
7/20/2026166.00 USD
7/17/2026166.00 USD
7/16/2026165.01 USD
7/15/2026166.50 USD
7/14/2026166.00 USD
7/13/2026167.00 USD
7/10/2026167.00 USD
7/9/2026164.50 USD
7/8/2026164.50 USD
7/7/2026165.00 USD
7/6/2026165.00 USD
7/2/2026158.28 USD
7/1/2026168.00 USD
6/30/2026167.50 USD
6/29/2026167.50 USD
6/26/2026167.50 USD
6/25/2026166.82 USD
6/24/2026165.00 USD
6/23/2026169.99 USD
6/22/2026165.00 USD
6/18/2026170.00 USD
6/17/2026170.00 USD
6/16/2026165.01 USD
6/15/2026170.00 USD
6/12/2026165.00 USD
6/11/2026165.00 USD
6/10/2026169.00 USD
6/9/2026169.00 USD
6/8/2026161.00 USD
6/5/2026168.99 USD
6/4/2026170.00 USD
6/3/2026165.00 USD
6/2/2026159.23 USD
6/1/2026159.00 USD
5/29/2026157.00 USD
5/28/2026148.92 USD
5/27/2026147.40 USD
5/26/2026147.00 USD
5/22/2026147.00 USD
5/21/2026147.05 USD
5/20/2026147.05 USD
5/19/2026147.05 USD
5/18/2026148.00 USD
5/15/2026148.00 USD
5/14/2026147.50 USD
5/13/2026146.72 USD
5/12/2026148.00 USD
5/11/2026148.00 USD
5/7/2026148.00 USD
5/5/2026147.90 USD
5/3/2026148.00 USD
4/17/2026145.00 USD
4/14/2026145.00 USD
4/13/2026142.40 USD
4/8/2026145.57 USD
4/7/2026140.00 USD
3/31/2026145.60 USD
3/26/2026138.99 USD
3/25/2026138.99 USD
3/24/2026137.00 USD
3/23/2026141.99 USD
3/20/2026139.00 USD
3/18/2026147.90 USD
3/16/2026147.98 USD
3/15/2026147.98 USD
3/12/2026144.98 USD
3/10/2026144.96 USD
3/5/2026148.00 USD
3/3/2026148.99 USD
2/25/2026149.00 USD
2/24/2026150.82 USD
2/23/2026143.99 USD
2/19/2026143.20 USD
2/18/2026143.40 USD
2/16/2026143.00 USD
2/12/2026143.00 USD
2/11/2026144.00 USD
2/10/2026144.10 USD
2/9/2026137.90 USD
2/6/2026147.56 USD
2/5/2026148.00 USD
2/3/2026142.00 USD
2/2/2026142.40 USD
1/30/2026138.00 USD
1/27/2026143.00 USD
1/26/2026142.00 USD
1/23/2026142.96 USD
1/22/2026140.00 USD
1/21/2026141.00 USD
1/19/2026142.00 USD
1/14/2026143.24 USD
1/8/2026132.00 USD
1/7/2026131.61 USD
1/5/2026130.00 USD
1/4/2026130.00 USD
12/31/2025130.00 USD
12/30/2025130.00 USD
12/29/2025130.00 USD
12/26/2025130.00 USD
12/24/2025130.00 USD
12/23/2025129.44 USD
12/22/2025128.59 USD
12/18/2025126.00 USD
12/17/2025126.00 USD
12/16/2025125.00 USD
12/15/2025124.50 USD
12/11/2025129.00 USD
12/10/2025127.00 USD
12/9/2025124.60 USD
12/8/2025123.00 USD
12/4/2025125.00 USD
12/2/2025121.00 USD
12/1/2025123.75 USD
11/28/2025121.00 USD
11/26/2025121.00 USD
11/24/2025121.00 USD
11/23/2025123.75 USD
11/21/2025125.99 USD
11/18/2025122.51 USD
11/17/2025121.00 USD
11/13/2025122.50 USD
11/12/2025129.00 USD
11/11/2025118.00 USD
11/10/2025118.00 USD
11/7/2025117.75 USD
11/4/2025117.75 USD
11/3/2025119.75 USD
10/30/2025115.50 USD
10/29/2025116.00 USD
10/27/2025114.34 USD
10/22/2025116.00 USD
10/20/2025115.00 USD
10/15/2025115.00 USD
10/14/2025115.00 USD
10/12/2025114.00 USD
10/10/2025114.00 USD
10/8/2025114.00 USD
10/7/2025114.00 USD
10/5/2025114.00 USD
10/3/2025115.00 USD
10/2/2025115.00 USD
10/1/2025114.00 USD
9/29/2025114.00 USD
9/28/2025114.00 USD
9/23/2025114.00 USD
9/22/2025112.00 USD
9/19/2025114.00 USD
9/17/2025114.00 USD
9/16/2025109.50 USD
9/12/2025113.13 USD
9/8/2025109.05 USD
9/3/2025115.00 USD
9/1/2025112.00 USD
8/29/2025112.25 USD
8/25/2025112.00 USD
8/22/2025112.00 USD
8/21/2025112.00 USD
8/19/2025111.00 USD
8/18/2025108.26 USD
8/15/2025109.00 USD
8/13/2025110.00 USD
8/8/2025108.36 USD
8/7/2025107.75 USD
8/5/2025107.75 USD
7/30/2025107.00 USD
7/28/2025111.00 USD
7/25/2025108.25 USD
Access this data via the Eulerpool API

Exchange Bank Revenue, Net Income

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  • Max

Revenue
Net Income
Details
Date
Revenue
Net Income
Jan 1, 2018
119.10 M USD
38.51 M USD
Jan 1, 2019
125.91 M USD
36.50 M USD
Jan 1, 2020
121.21 M USD
33.70 M USD
Jan 1, 2021
118.95 M USD
36.41 M USD
Jan 1, 2022
125.58 M USD
37.48 M USD
Jan 1, 2023
114.15 M USD
20.19 M USD
Jan 1, 2024
148.11 M USD
23.85 M USD
Jan 1, 2025
155.61 M USD
29.97 M USD

Exchange Bank Income Statement, Balance Sheet, Cash Flow Statement

Last updated Jul 25, 2026, 7:45 AM
 
REVENUEM USD
REVENUE GROWTH%
GROSS MARGIN%
GROSS INCOMEM USD
NET INCOMEM USD
NET INCOME GROWTH%
DIV.USD
DIV. GROWTH%
SHARESM
2010201120122013201420152016201720182019202020212022202320242025
89.0086.0085.0084.0084.0089.0093.00105.00119.00125.00121.00118.00125.00114.00148.00155.00
3.49-3.37-1.16-1.185.954.4912.9013.335.04-3.20-2.485.93-8.8029.824.73
100.00100.00100.00100.00100.00100.00100.00100.00100.00100.00100.0097.4698.40100.0074.3275.48
89.0086.0085.0084.0084.0089.0093.00105.00119.00125.00121.00115.00123.00114.00110.00117.00
10.0012.0012.0015.0017.0021.0021.0019.0038.0036.0033.0036.0037.0020.0023.0029.00
-433.3320.0025.0013.3323.53-9.52100.00-5.26-8.339.092.78-45.9515.0026.09
1.001.101.552.752.803.403.854.404.804.804.905.205.205.20
10.0040.9177.421.8221.4313.2414.299.092.086.12
1.711.711.711.711.771.711.711.711.721.711.711.711.711.711.711.71
Details

Income Statement Key Figures

Revenue and Revenue Growth

Revenue is the starting point of every income statement — it measures the total sales Exchange Bank generates from its core business. Revenue growth (expressed as year-over-year percentage change) is one of the most important indicators of business momentum. Sustained growth above 10 % annually is generally considered strong, while declining revenue is a serious warning sign that demands investigation.

Gross Margin

Gross margin = (Revenue − Cost of Goods Sold) ÷ Revenue. It reveals what percentage of each dollar of revenue Exchange Bank retains after direct production costs. High gross margins (above 50 %) are typical of asset-light businesses like software and brands, while capital-intensive industries like manufacturing often operate below 30 %. Compare Exchange Bank's gross margin to industry peers and track it over time to spot improving or deteriorating pricing power.

EBIT and EBIT Margin

EBIT measures operating profit — what remains after subtracting all operating expenses (including R&D, sales, and administrative costs) from gross profit. The EBIT margin shows this as a percentage of revenue. Because it excludes interest and taxes, EBIT allows fair comparisons between companies with different debt levels and tax jurisdictions. A rising EBIT margin indicates improving operational efficiency.

Net Income and Earnings Per Share (EPS)

Net income is the company's final profit after all expenses, interest, and taxes. Dividing net income by the number of shares outstanding gives you EPS — the single most influential metric in stock valuation. Consistent EPS growth is the primary driver of long-term stock price appreciation. Always check whether EPS growth comes from genuine profit improvement or from share buybacks reducing the share count.

Shares Outstanding

The total number of shares Exchange Bank has issued. A declining share count (through buybacks) boosts EPS and signals management confidence. A rising share count (through stock issuance) dilutes existing shareholders. Always monitor this number alongside EPS to get the full picture of per-share value creation.

Analyst Estimates

The projected figures represent consensus estimates from professional analysts. Compare these forecasts against Exchange Bank's historical growth rates to assess whether expectations are realistic. A company that consistently beats consensus estimates tends to see its stock price rewarded over time, while repeated misses erode investor confidence.

Exchange Bank stock margins

The Exchange Bank margin analysis displays the gross margin, EBIT margin, as well as the profit margin of Exchange Bank. The EBIT margin (EBIT/sales) indicates the percentage of sales that remains as operating profit. The profit margin shows the percentage of sales that remains for Exchange Bank.
  • 3 Years

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  • Max

Profit margin
Details
Date
Profit margin
Jan 1, 2018
32.34 %
Jan 1, 2019
28.99 %
Jan 1, 2020
27.80 %
Jan 1, 2021
30.61 %
Jan 1, 2022
29.85 %
Jan 1, 2023
17.69 %
Jan 1, 2024
16.11 %
Jan 1, 2025
19.26 %

Exchange Bank Revenue per Share, Earnings per Share

The Exchange Bank earnings per share therefore indicates how much revenue Exchange Bank has generated per share in a given period. The earnings before interest and taxes per share shows how much of the operating profit corresponds to each share. The earnings per share indicates how much of the profit belongs to each share.
  • 3 Years

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  • Max

Revenue per Share
Earnings per Share
Details
Date
Revenue per Share
Earnings per Share
Jan 1, 2018
69.43 USD
22.45 USD
Jan 1, 2019
73.44 USD
21.29 USD
Jan 1, 2020
70.71 USD
19.66 USD
Jan 1, 2021
69.39 USD
21.24 USD
Jan 1, 2022
73.25 USD
21.86 USD
Jan 1, 2023
66.59 USD
11.78 USD
Jan 1, 2024
86.39 USD
13.91 USD
Jan 1, 2025
90.79 USD
17.48 USD

Exchange Bank business model & stock analysis

The Exchange Bank is a financial institution based in Santa Rosa, California. It was founded in 1890 as the Sonoma County Bank and has since become known for its commitment to customer needs. The bank has undergone changes over the years, including a name change to Exchange Bank in 1915 and ownership by the Doyle family since 1926. It offers a variety of financial services, including deposits and loans, asset management, insurance, investment advice, and leasing. The bank has branches throughout Sonoma County to provide local customer service. Its business model focuses on long-term growth and stability, and it provides a range of financial services, including deposits and loans, real estate financing, commercial lending, leasing, trust and asset management, and insurance services. The bank's deposit business includes various account types, and it offers multiple credit options, such as commercial loans, mortgages, and auto loans. Its real estate department provides financing options for property purchase or construction and assists buyers and sellers with transactions. Commercial loans are tailored to small and medium-sized businesses, offering funding for working capital, real estate, vehicle fleets, renovations, equipment, and machinery. The bank also has a team of experts available to assist with federal loans and other government funding applications. The leasing department offers leasing options for various assets, such as equipment, vehicles, and real estate, and works closely with small and medium-sized businesses to provide customized solutions. For clients seeking high-quality asset and trust management, the bank offers various services, including investment management, trust services, real estate and estate planning, and estate administration. It also provides insurance services, including auto, home, business, life, health, and liability insurance, and works with clients to create tailored solutions. The Exchange Bank is a trusted financial institution in Sonoma County, known for its dedicated customer service and high-quality services. It has a long history as an independent bank and is committed to helping its customers achieve their goals.

Exchange Bank SWOT Analysis

Strengths

Exchange Bank has a well-established brand reputation and a long history of providing reliable banking services. Their strong customer base and wide network of branches give them a competitive advantage in the market. The bank offers competitive interest rates on deposits and has a comprehensive range of financial products and services. Their efficient online banking system and mobile app provide convenience to customers.

Weaknesses

Exchange Bank has relatively smaller market share compared to some of its larger competitors. Their customer service may sometimes lack personalization due to the high volume of customers. The bank's technology infrastructure may require further investment to keep up with rapidly evolving industry trends. Some customers have complained about limited availability of ATMs and branches in certain areas.

Opportunities

With changing customer preferences towards digital banking, Exchange Bank has an opportunity to expand and improve its online and mobile banking services. They can also explore strategic partnerships or acquisitions to enhance their product offerings and geographic reach. The bank can focus on attracting younger customers by introducing innovative products and services tailored to their needs. Furthermore, they can tap into the growing market of sustainable and socially responsible banking.

Threats

Increased competition from both traditional banks and emerging financial technology companies poses a threat to Exchange Bank. The changing regulatory environment and compliance requirements may lead to additional costs and complexities. Economic uncertainties and market fluctuations can impact the bank's profitability. Cybersecurity threats and data breaches are also potential risks that need to be addressed.

Exchange Bank Eulerpool Fair Value

Details

Fair Value Estimate

What Is Fair Value?

Fair value is an estimate of what a stock is truly "worth" based on its financial fundamentals, independent of the current market price. If the calculated fair value is above the current share price, the stock may be undervalued — and vice versa. This chart shows three different fair value approaches so you can cross-check them against each other.

Earnings-Based Fair Value

Calculated by multiplying the current earnings per share (EPS) by the average historical P/E ratio over a selected multi-year period. The smoothing over several years filters out temporary spikes or dips. If this fair value exceeds the market price, it suggests the stock is cheap relative to its earning power.

Example: Fair Value (Earnings) 2022 = EPS 2022 × Average P/E 2019–2021

Revenue-Based Fair Value

Derived by multiplying revenue per share by the average historical price-to-sales ratio. This method is particularly useful for companies with volatile or temporarily depressed earnings, as revenue tends to be more stable than profits. It answers: "At what price has the market historically valued each dollar of this company's sales?"

Example: Fair Value (Revenue) 2022 = Revenue per Share 2022 × Average P/S 2019–2021

Dividend-Based Fair Value

Calculated by dividing the dividend per share by the average historical dividend yield. This approach is most relevant for mature, consistently dividend-paying companies. If the resulting fair value is higher than the current price, it implies the stock offers a better yield than its historical average.

Example: Fair Value (Dividend) 2022 = Dividend per Share 2022 ÷ Average Yield 2019–2021

How to Use This Chart

When all three fair value lines converge above the current price, it strengthens the case that the stock is undervalued. When they diverge, investigate why — it may indicate a structural shift in margins, payout policy, or growth rate. The forward estimates on the right extend the analysis using projected fundamentals, helping you assess whether the current price already reflects future growth expectations.

Exchange Bank historical P/E ratio, EBIT multiple, and P/S ratio

Exchange Bank annual returns

Details

Annual Return

What This Chart Shows

This chart breaks down 's total annual return into two components: price return (gains or losses from stock price movement) and dividend return (income received from dividend payments). Together, they represent the total return an investor would have earned in each calendar year.

Price Return

Price return measures the percentage change in 's stock price from January 1st to December 31st of each year. Positive bars indicate the stock appreciated; negative bars show a decline. This is the component most investors focus on, but it tells only part of the story — especially for dividend-paying stocks.

Dividend Return

Dividend return represents the income generated from dividends paid during the year, expressed as a percentage of the starting stock price. While it may seem small in any single year (typically 1–4 % for established companies), dividends compound significantly over decades and have historically contributed roughly 40 % of total stock market returns.

What to Look For

Examine how many years showed positive vs. negative returns to gauge consistency. A stock with mostly positive years and small drawdowns suggests lower risk. Also compare 's annual returns to a benchmark index — consistently outperforming the market is a hallmark of a strong investment. Pay attention to the worst years: understanding downside risk is just as important as chasing upside potential.

Exchange Bank shares outstanding

The number of shares of Exchange Bank was 1.71 M in 2025. This indicates how many shares Exchange Bank is divided into. Since shareholders are the owners of a company, each share represents a small portion of the company's ownership.
  • 3 Years

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  • Max

Number of stocks
Details
Date
Number of stocks
Jan 1, 2018
1.72 M Stocks
Jan 1, 2019
1.71 M Stocks
Jan 1, 2020
1.71 M Stocks
Jan 1, 2021
1.71 M Stocks
Jan 1, 2022
1.71 M Stocks
Jan 1, 2023
1.71 M Stocks
Jan 1, 2024
1.71 M Stocks
Jan 1, 2025
1.71 M Stocks

Exchange Bank Dividend History

30 years of dividend payments

YearAnnual DividendYoY ChangePayments
20261.30USDYTD
Mar 6, 20261.30USD 0.0%1/1
20255.20USD 0.0%
Mar 7, 20251.30USD 0.0%1/4
Jun 6, 20251.30USD 0.0%2/4
Sep 5, 20251.30USD 0.0%3/4
Nov 28, 20251.30USD 0.0%4/4
20245.20USD 0.0%
20235.20USD 6.1%
20224.90USD 2.1%
20214.80USD 0.0%
20204.80USD 9.1%
20194.40USD 14.3%
20183.85USD 13.2%
20173.40USD 21.4%

Exchange Bank dividend history and estimates

In 2025, Exchange Bank paid a dividend amounting to 5.20 USD. Dividend means that Exchange Bank distributes a portion of its profits to its owners.
  • 3 Years

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  • Max

Dividend
Details
Date
Dividend
Dividend (Estimate)
Special dividend
Jan 1, 2018
3.85 USD
0.00 USD
0.00 USD
Jan 1, 2019
4.40 USD
0.00 USD
0.00 USD
Jan 1, 2020
4.80 USD
0.00 USD
0.00 USD
Jan 1, 2021
4.80 USD
0.00 USD
0.00 USD
Jan 1, 2022
4.90 USD
0.00 USD
0.00 USD
Jan 1, 2023
5.20 USD
0.00 USD
0.00 USD
Jan 1, 2024
5.20 USD
0.00 USD
0.00 USD
Jan 1, 2025
5.20 USD
0.00 USD
0.00 USD

Exchange Bank dividend payout ratio

In 2025, Exchange Bank had a payout ratio of 29.74%. The payout ratio indicates the percentage of the company's profits that Exchange Bank distributes as dividends.
  • 3 Years

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  • Max

Payout ratio
Details
Date
Payout ratio
Jan 1, 2018
17.15 %
Jan 1, 2019
20.66 %
Jan 1, 2020
24.42 %
Jan 1, 2021
22.60 %
Jan 1, 2022
22.41 %
Jan 1, 2023
44.15 %
Jan 1, 2024
37.37 %
Jan 1, 2025
29.74 %
Price targets and forecasts for Exchange Bank are not yet available.

EESG©

Eulerpool ESG Scorecard© for the Exchange Bank stock

12/100
12
Environment
24
Social
0
Governance
E

Environment

20
Scope 1 - Direct Emissions
Scope 2 - Indirect emissions from purchased energy
Scope 3 - Indirect emissions within the value chain
Total CO₂ emissions
CO₂ reduction strategy
Coal energy
Nuclear power
Animal experiments
Fur & Leather
Pesticides
Palm Oil
Tobacco
Genetically modified organisms
Climate concept
Sustainable forestry
Recycling regulations
Environmentally friendly packaging
Hazardous substances
Fuel consumption and efficiency
Water consumption and efficiency
S

Social

20
Percentage of female employees
Percentage of women in management
Percentage of Asian employees
Share of Asian management
Percentage of Hispanic/Latino employees
Hispano/Latino Management share
Percentage of Black employees
Black Management Share
Percentage of white employees
White Management Share
Adult content
Alcohol
Weapons
Firearms
Gambling
Military contracts
Human rights concept
Privacy concept
Occupational health and safety
Catholic
G

Governance (Corporate Governance)

4
Environmental reporting
Stakeholder Engagement
Call Back Policies
Antitrust law

The Eulerpool ESG Scorecard© is the strictly copyrighted intellectual property of Eulerpool Research Systems. Any unauthorized use, imitation, or infringement will be actively pursued and may lead to significant legal consequences. For licenses, collaborations, or usage rights, please contact us directly via our contact form. Contact Form to us.

Exchange Bank shareholder structure

% Name
4.43569%
Cutler Capital Management, L.L.C.
Cutler Capital Management, L.L.C.
4.07717%
Siena Capital Partners GP, LLC
Siena Capital Partners GP, LLC
0.01464%
SEI Investments Management Corporation
SEI Investments Management Corporation

Exchange Bank Executives and Management Board

TS

Mr. Troy Sanderson

(60)

President, Chief Executive Officer, Director · since 2018

Compensation750,839.00 USD
SD

Ms. Shari Demaris

Chief Operating Officer, Executive Vice President

Compensation451,880.00 USD
WS

Mr. William Schrader

(74)

Independent Chairman of the Board · since 2008

Compensation304,616.00 USD
MS

Ms. Marlene Soiland

Corporate Secretary, Director

Compensation109,200.00 USD
JR

Mr. James Ryan

(66)

Independent Vice Chairman of the Board

Compensation102,000.00 USD

Frequently asked questions about Exchange Bank

The business model of Exchange Bank revolves around providing banking services to individuals, businesses, and institutions. As a full-service financial institution, Exchange Bank offers a wide range of products and services, including checking and savings accounts, loans, mortgages, credit cards, and wealth management solutions. With a customer-centric approach, Exchange Bank aims to meet the diverse needs of its clients by providing personalized and reliable financial solutions. By focusing on customer satisfaction, strong relationships, and innovation, Exchange Bank strives to maintain its position as a trusted banking partner in the market.