Exchange Bank (Santa Rosa, CA) Logo

Exchange Bank (Santa Rosa, CA)

EXSR

(2.2)
Stock Price

103,03 USD

0.7% ROA

8.24% ROE

8.05x PER

Market Cap.

186.826.000,00 USD

87.52% DER

4.77% Yield

16.06% NPM

Exchange Bank (Santa Rosa, CA) Stock Analysis

Exchange Bank (Santa Rosa, CA) Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Exchange Bank (Santa Rosa, CA) Fundamental Stock Analysis
# Analysis Rating
1 PBV

With a remarkably low PBV ratio (0x), the stock offers substantial upside potential at a bargain price.

2 DER

The stock has a minimal amount of debt (0%) relative to its ownership, showcasing a strong financial position and lower risk for investors.

3 Assets Growth

Over the past five years, this company's revenue has consistently increased, demonstrating a robust financial performance that makes it an appealing opportunity.

4 Dividend

Investors can take comfort in the company's unwavering commitment to dividends, as it has consistently distributed payouts over the past five years, ensuring a reliable income stream.

5 Dividend Growth

Investors can be encouraged by the company's strong dividend growth over the past three years, highlighting its ability to generate consistent returns and provide an attractive investment opportunity.

6 ROE

The stock's ROE indicates a negative return (0%) on shareholders' equity, suggesting poor financial performance.

7 ROA

The stock's ROA (0%) suggests that it's struggling to generate profits from its assets, making it a risky choice for investment.

8 Revenue Growth

Company has experienced no growth in revenue over the past three years, suggesting limited profitability and making it a less desirable investment opportunity.

9 Net Profit Growth

Over the past five years, this company's net profit has failed to exhibit any growth, indicating a stagnant financial performance and making it a less favorable choice for potential investors.

10 Graham Number

Based on the Graham number, this company's stock price appears to be higher than its intrinsic value, signaling a potentially unfavorable investment choice.

11 Buffet Intrinsic Value

The company's stock presents a potential concern as it appears overvalued (0) by Warren Buffett's formula, indicating that its market price exceeds its estimated intrinsic value.

Exchange Bank (Santa Rosa, CA) Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Exchange Bank (Santa Rosa, CA) Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Buy
2 MACD Buy
3 RSI Hold
4 Stoch RSI Sell

Exchange Bank (Santa Rosa, CA) Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Exchange Bank (Santa Rosa, CA) Revenue
Year Revenue Growth
2002 65.948.000
2003 72.361.000 8.86%
2004 77.375.000 6.48%
2005 86.742.000 10.8%
2006 89.441.000 3.02%
2007 90.038.000 0.66%
2008 85.990.000 -4.71%
2009 86.827.000 0.96%
2010 89.743.000 3.25%
2011 86.827.000 -3.36%
2012 85.259.000 -1.84%
2013 84.441.000 -0.97%
2014 84.841.000 0.47%
2015 89.137.000 4.82%
2016 93.249.000 4.41%
2017 105.244.000 11.4%
2018 119.100.000 11.63%
2019 125.906.000 5.41%
2020 121.211.000 -3.87%
2021 118.951.000 -1.9%
2022 125.578.000 5.28%
2023 109.664.000 -14.51%
2023 114.150.000 3.93%
2024 104.268.000 -9.48%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Exchange Bank (Santa Rosa, CA) Research and Development Expenses
Year Research and Development Expenses Growth
2002 0
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2023 0 0%
2024 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Exchange Bank (Santa Rosa, CA) General and Administrative Expenses
Year General and Administrative Expenses Growth
2002 25.404.000
2003 27.653.000 8.13%
2004 27.749.000 0.35%
2005 28.514.000 2.68%
2006 29.764.000 4.2%
2007 0 0%
2008 28.608.000 100%
2009 28.585.000 -0.08%
2010 30.500.000 6.28%
2011 31.720.000 3.85%
2012 31.283.000 -1.4%
2013 32.698.000 4.33%
2014 31.146.000 -4.98%
2015 32.547.000 4.3%
2016 34.964.000 6.91%
2017 34.273.000 -2.02%
2018 36.926.000 7.18%
2019 8.177.000 -351.58%
2020 7.081.000 -15.48%
2021 6.536.000 -8.34%
2022 7.855.000 16.79%
2023 40.960.000 80.82%
2023 0 0%
2024 0 0%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Exchange Bank (Santa Rosa, CA) EBITDA
Year EBITDA Growth
2002 20.632.000
2003 20.898.000 1.27%
2004 24.710.000 15.43%
2005 33.394.000 26%
2006 35.101.000 4.86%
2007 20.806.000 -68.71%
2008 -36.169.000 157.52%
2009 -10.924.000 -231.1%
2010 13.962.000 178.24%
2011 17.613.000 20.73%
2012 18.391.000 4.23%
2013 23.948.000 23.2%
2014 28.272.000 15.29%
2015 34.020.000 16.9%
2016 34.669.000 1.87%
2017 43.571.000 20.43%
2018 53.495.000 18.55%
2019 -450.000 11987.78%
2020 -275.000 -63.64%
2021 -711.000 61.32%
2022 -990.000 28.18%
2023 35.480.000 102.79%
2023 2.278.000 -1457.51%
2024 -27.660.000 108.24%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Exchange Bank (Santa Rosa, CA) Gross Profit
Year Gross Profit Growth
2002 65.948.000
2003 72.361.000 8.86%
2004 77.375.000 6.48%
2005 86.742.000 10.8%
2006 89.441.000 3.02%
2007 90.038.000 0.66%
2008 85.990.000 -4.71%
2009 86.827.000 0.96%
2010 89.743.000 3.25%
2011 86.827.000 -3.36%
2012 85.259.000 -1.84%
2013 84.441.000 -0.97%
2014 84.841.000 0.47%
2015 89.137.000 4.82%
2016 93.249.000 4.41%
2017 105.244.000 11.4%
2018 119.100.000 11.63%
2019 125.906.000 5.41%
2020 121.211.000 -3.87%
2021 118.951.000 -1.9%
2022 125.578.000 5.28%
2023 109.664.000 -14.51%
2023 139.208.000 21.22%
2024 146.680.000 5.09%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Exchange Bank (Santa Rosa, CA) Net Profit
Year Net Profit Growth
2002 13.499.000
2003 14.540.000 7.16%
2004 16.458.000 11.65%
2005 19.457.000 15.41%
2006 21.628.000 10.04%
2007 13.399.000 -61.42%
2008 -18.504.000 172.41%
2009 -3.863.000 -379.01%
2010 10.256.000 137.67%
2011 12.178.000 15.78%
2012 12.262.000 0.69%
2013 15.729.000 22.04%
2014 17.709.000 11.18%
2015 21.028.000 15.78%
2016 21.502.000 2.2%
2017 19.508.000 -10.22%
2018 38.511.000 49.34%
2019 36.501.000 -5.51%
2020 33.699.000 -8.31%
2021 36.410.000 7.45%
2022 37.480.000 2.85%
2023 25.372.000 -47.72%
2023 20.193.000 -25.65%
2024 20.916.000 3.46%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Exchange Bank (Santa Rosa, CA) Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2002 8
2003 8 12.5%
2004 10 11.11%
2005 11 18.18%
2006 13 8.33%
2007 8 -71.43%
2008 -11 170%
2009 -2 -400%
2010 5 150%
2011 6 20%
2012 6 0%
2013 9 37.5%
2014 10 20%
2015 12 16.67%
2016 13 0%
2017 11 -9.09%
2018 22 50%
2019 21 -4.76%
2020 20 -10.53%
2021 21 9.52%
2022 22 0%
2023 15 -50%
2023 12 -27.27%
2024 12 8.33%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Exchange Bank (Santa Rosa, CA) Free Cashflow
Year Free Cashflow Growth
2002 6.880.000
2003 15.264.000 54.93%
2004 12.685.000 -20.33%
2005 27.499.000 53.87%
2006 22.331.000 -23.14%
2007 0 0%
2012 29.031.000 100%
2013 22.059.000 -31.61%
2014 0 0%
2015 11.940.000 100%
2016 20.687.000 42.28%
2017 25.730.000 19.6%
2018 33.681.000 23.61%
2019 36.307.000 7.23%
2020 29.004.000 -25.18%
2021 27.578.000 -5.17%
2022 34.459.000 19.97%
2023 35.445.000 2.78%
2024 0 0%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Exchange Bank (Santa Rosa, CA) Operating Cashflow
Year Operating Cashflow Growth
2002 9.107.000
2003 18.926.000 51.88%
2004 16.002.000 -18.27%
2005 29.806.000 46.31%
2006 25.288.000 -17.87%
2007 0 0%
2012 30.101.000 100%
2013 23.668.000 -27.18%
2014 0 0%
2015 14.448.000 100%
2016 24.000.000 39.8%
2017 29.023.000 17.31%
2018 34.875.000 16.78%
2019 39.391.000 11.46%
2020 33.511.000 -17.55%
2021 37.799.000 11.34%
2022 37.618.000 -0.48%
2023 38.685.000 2.76%
2024 0 0%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Exchange Bank (Santa Rosa, CA) Capital Expenditure
Year Capital Expenditure Growth
2002 2.227.000
2003 3.662.000 39.19%
2004 3.317.000 -10.4%
2005 2.307.000 -43.78%
2006 2.957.000 21.98%
2007 0 0%
2012 1.070.000 100%
2013 1.609.000 33.5%
2014 0 0%
2015 2.508.000 100%
2016 3.313.000 24.3%
2017 3.293.000 -0.61%
2018 1.194.000 -175.8%
2019 3.084.000 61.28%
2020 4.507.000 31.57%
2021 10.221.000 55.9%
2022 3.159.000 -223.55%
2023 3.240.000 2.5%
2024 0 0%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Exchange Bank (Santa Rosa, CA) Equity
Year Equity Growth
2002 104.795.000
2003 108.763.000 3.65%
2004 113.740.000 4.38%
2005 120.240.000 5.41%
2006 128.003.000 6.06%
2007 134.290.000 4.68%
2008 153.773.000 12.67%
2009 150.150.000 -2.41%
2010 157.226.000 4.5%
2011 163.019.000 3.55%
2012 156.425.000 -4.22%
2013 155.010.000 -0.91%
2014 160.074.000 3.16%
2015 173.108.000 7.53%
2016 189.172.000 8.49%
2017 203.205.000 6.91%
2018 231.572.000 12.25%
2019 270.815.000 14.49%
2020 304.918.000 11.18%
2021 319.202.000 4.47%
2022 202.024.000 -58%
2023 255.408.000 20.9%
2023 203.471.000 -25.53%
2024 257.083.000 20.85%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Exchange Bank (Santa Rosa, CA) Assets
Year Assets Growth
2002 1.056.437.000
2003 1.158.373.000 8.8%
2004 1.283.982.000 9.78%
2005 1.400.743.000 8.34%
2006 1.522.249.000 7.98%
2007 1.608.132.000 5.34%
2008 1.632.939.000 1.52%
2009 1.552.066.000 -5.21%
2010 1.520.781.000 -2.06%
2011 1.600.403.000 4.98%
2012 1.698.857.000 5.8%
2013 1.783.403.000 4.74%
2014 1.887.679.000 5.52%
2015 2.062.509.000 8.48%
2016 2.179.401.000 5.36%
2017 2.584.092.000 15.66%
2018 2.653.960.000 2.63%
2019 2.673.118.000 0.72%
2020 3.139.097.000 14.84%
2021 3.536.751.000 11.24%
2022 3.334.397.000 -6.07%
2023 3.366.460.000 0.95%
2023 3.363.232.000 -0.1%
2024 3.308.662.000 -1.65%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Exchange Bank (Santa Rosa, CA) Liabilities
Year Liabilities Growth
2002 0
2003 31.000.000 100%
2004 1.170.242.000 97.35%
2005 1.280.503.000 8.61%
2006 1.394.246.000 8.16%
2007 94.000.000 -1383.24%
2008 151.000.000 37.75%
2009 51.000.000 -196.08%
2010 1.363.555.000 96.26%
2011 1.437.384.000 5.14%
2012 38.000.000 -3682.59%
2013 1.628.393.000 97.67%
2014 1.727.605.000 5.74%
2015 1.889.401.000 8.56%
2016 1.990.229.000 5.07%
2017 37.218.000 -5247.49%
2018 42.705.000 12.85%
2019 2.402.303.000 98.22%
2020 2.834.179.000 15.24%
2021 3.217.549.000 11.91%
2022 3.132.373.000 -2.72%
2023 225.000.000 -1292.17%
2023 175.000.000 -28.57%
2024 225.000.000 22.22%

Exchange Bank (Santa Rosa, CA) Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
73.39
Net Income per Share
13.54
Price to Earning Ratio
8.05x
Price To Sales Ratio
1.48x
POCF Ratio
0
PFCF Ratio
0
Price to Book Ratio
0.73
EV to Sales
3
EV Over EBITDA
-29.15
EV to Operating CashFlow
0
EV to FreeCashFlow
0
Earnings Yield
0.12
FreeCashFlow Yield
0
Market Cap
0,19 Bil.
Enterprise Value
0,38 Bil.
Graham Number
213.75
Graham NetNet
-111.17

Income Statement Metrics

Net Income per Share
13.54
Income Quality
0
ROE
0.1
Return On Assets
0.01
Return On Capital Employed
0.01
Net Income per EBT
0.77
EBT Per Ebit
1
Ebit per Revenue
0.21
Effective Tax Rate
0.23

Margins

Sales, General, & Administrative to Revenue
0.08
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1.08
Operating Profit Margin
0.21
Pretax Profit Margin
0.21
Net Profit Margin
0.16

Dividends

Dividend Yield
0.05
Dividend Yield %
4.77
Payout Ratio
0
Dividend Per Share
5.2

Operating Metrics

Operating Cashflow per Share
0
Free CashFlow per Share
0
Capex to Operating CashFlow
0
Capex to Revenue
0
Capex to Depreciation
0
Return on Invested Capital
0.05
Return on Tangible Assets
0.01
Days Sales Outstanding
0
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
0
Payables Turnover
0
Inventory Turnover
0
Capex per Share
0

Balance Sheet

Cash per Share
20,08
Book Value per Share
1.798,74
Tangible Book Value per Share
1798.74
Shareholders Equity per Share
149.96
Interest Debt per Share
135.72
Debt to Equity
0.88
Debt to Assets
0.07
Net Debt to EBITDA
-14.72
Current Ratio
0.02
Tangible Asset Value
3,08 Bil.
Net Current Asset Value
-0,19 Bil.
Invested Capital
-1388985000
Working Capital
-1,41 Bil.
Intangibles to Total Assets
0
Average Receivables
0,00 Bil.
Average Payables
0,00 Bil.
Average Inventory
0
Debt to Market Cap
1.2

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Exchange Bank (Santa Rosa, CA) Dividends
Year Dividends Growth
2001 6
2002 6 0%
2003 6 0%
2004 5 -25%
2005 6 20%
2006 6 16.67%
2007 6 0%
2008 2 -200%
2012 1 0%
2013 1 100%
2014 2 0%
2015 2 50%
2016 3 0%
2017 3 33.33%
2018 4 0%
2019 4 25%
2020 5 0%
2021 5 0%
2022 5 0%
2023 5 20%
2024 4 -66.67%

Exchange Bank (Santa Rosa, CA) Profile

About Exchange Bank (Santa Rosa, CA)

Exchange Bank (Santa Rosa, CA), together with its subsidiaries, provides commercial and retail banking products and services to individuals and businesses in California. The company offers personal banking products and services, including checking and savings accounts; home loans, personal lines of credit, unsecured personal loans, and auto loans; overdraft line of credit accounts; and community rebuild loan programs. It also provides business banking products and services, such as business checking and savings accounts; merchant services; business equipment leasing; commercial real estate and construction loans; and business term loans, business line of credit, and small business administration (SBA) loans, as well as vineyard, winery, and agricultural loans. In addition, the company offers debit and credit cards; online and mobile banking services; and trust administration, investment management, and estate settlement services, as well as retirement accounts and plans. As of February 25, 2022, it operated 17 branches located in Sonoma County; and a commercial branch in Roseville, California. The company was founded in 1890 and is headquartered in Santa Rosa, California. Exchange Bank (Santa Rosa, CA) operates as a subsidiary of Frank P. Doyle Trust, Article IX.

CEO
Mr. Troy J. Sanderson
Employee
400
Address
PO Box 403
Santa Rosa, 95402-0403

Exchange Bank (Santa Rosa, CA) Executives & BODs

Exchange Bank (Santa Rosa, CA) Executives & BODs
# Name Age
1 Ms. Fabia Butler
Vice President, Director of Marketing & Community Relations
70
2 Ms. Marlene K. Soiland
Corporate Secretary & Independent Director
70
3 Ms. Lori Tanenbaum Zaret
Senior Vice President & Chief Human Resources Officer
70
4 Mr. Craig Bainbridge
Senior Vice President, Product Innovation & Delivery Manager
70
5 Ms. Shauna R. Lorenzen
Vice President of Accounting & Controller
70
6 Mr. Brian Rober
Senior Vice President & Chief Information Officer
70
7 Mr. John Mackey
Senior Vice President and MD of Investment & Fiduciary Services
70
8 Ms. Shari J. DeMaris
Executive Vice President & Chief Operating Officer
70
9 Mr. Troy J. Sanderson
President, Chief Executive Officer & Director
70
10 Ms. Charlotte Radmilovic
Senior Vice President & Chief Financial Officer
70

Exchange Bank (Santa Rosa, CA) Competitors