What is the fair value of Exchange Bank (OTC-EXSR) stock?

The current fair value estimate for Exchange Bank (OTC-EXSR) is $183.13. This implies an estimated upside of 13.4% versus the current market price.

Is Exchange Bank (OTC-EXSR) undervalued or overvalued?

Based on the current fair value estimate, the stock appears undervalued, with estimated upside of 13.4% versus the current market price.

How is the financial health of Exchange Bank?

The current financial health read for Exchange Bank (OTC-EXSR) is Good. This should be reviewed alongside valuation, profitability, debt and cash-flow quality metrics.

When is Exchange Bank's next earnings date?

The next earnings date currently listed for Exchange Bank (OTC-EXSR) is October 30, 2026.

Does Exchange Bank (OTC-EXSR) pay dividends?

Based on the current data, dividend yield is 3.4%.

What is the P/E ratio for Exchange Bank (OTC-EXSR)?

The current P/E ratio listed for Exchange Bank (OTC-EXSR) is 8.4x. Use it together with growth, margins and sector comparisons rather than as a standalone valuation signal.

What is the market capitalization of Exchange Bank?

The current market capitalization listed for Exchange Bank is 276.9 M.

What is the ticker symbol for Exchange Bank?

The ticker symbol for Exchange Bank is OTC-EXSR, and the stock is listed on OTC Markets.

Where is Exchange Bank (OTC-EXSR) listed?

Exchange Bank (OTC-EXSR) is listed on OTC Markets.

What is the debt-to-total-capital ratio for Exchange Bank?

The current debt-to-total-capital ratio listed for Exchange Bank is 12.9%, which helps investors evaluate the company’s financing structure and leverage profile.

What is the free float for Exchange Bank?

The free float listed for Exchange Bank is 48.7%. Free float helps investors understand how much of the share base is available for public trading.

Exchange Bank (EXSR) Fair Value & Stock Analysis

Exchange Bank (EXSR)

Exchange Bank is a California community bank listed on OTC Markets as common stock. Through its banking operations, it serves personal, commercial, and trust and investment management clients across the state. Its consumer products include checking and savings accounts, home loans, personal credit lines, unsecured personal loans, auto loans, overdraft lines of credit, and credit cards. For businesses, the bank provides checking and savings accounts, merchant services such as Clover point-of-sale systems, term loans, credit lines, construction and commercial real estate financing, SBA lending, and loans tied to vineyard, winery, and agricultural activities. The company also supports customers through online and mobile banking, trust administration, investment management, estate settlement, and retirement accounts and plans. Founded in 1890, Exchange Bank is headquartered in Santa Rosa, California, and operates as a subsidiary of Frank P. Doyle Trust.

Stock Summary Fair Value Profitability & Growth Quality & Risk Events & Dividends Market Outlook FAQ

Jump directly to the stock analysis sections supported by the latest available data.

Data update note: Fair value and stock analysis metrics are updated after regular market sessions when new data becomes available.

Ticker	Fair Value	Fair Value Upside/Downside	Fair Value Rating	Analyst Price Target	Analyst Target Upside/Downside	Overall Financial Health	Dividend Yield	Next Earnings Date	P/E Ratio	Price-to-Book Ratio	Price-to-Sales Ratio	Market Cap	Total Debt / Total Capital	Free Float / Shares Outstanding	Altman Z-Score	Payout Ratio
OTC-EXSR	$183.13	13.4% Upside	Fair	Not available	Not available	Good	3.4%	October 30, 2026	8.4x	0.8x	2.2x	276.9 M	12.9%	48.7%	-1.9	29.7%