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Exchange Bank (Santa Rosa, CA) (EXSR)

USD166.50 +0.50 (+0.30%)
US OTC Financial Services Banks - Regional
Address PO Box 403 95402-0403
Santa Rosa, CA, US
CEO Troy J. Sanderson
IPO 1999-01-06
ISIN US3012272031

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Description

Exchange Bank, headquartered in Santa Rosa, California, along with its associated entities, delivers a full spectrum of commercial and retail banking services to individual clients and businesses throughout California. For personal banking, the institution offers fundamental options such as checking and savings accounts. It also provides a variety of lending solutions including home mortgages, personal credit lines, unsecured loans, auto financing, and overdraft protection. Additionally, it supports community initiatives through specific rebuild loan programs. On the commercial side, Exchange Bank caters to businesses with checking and savings accounts, merchant processing services, and equipment leasing. Its business lending portfolio is extensive, covering commercial real estate and construction financing, term loans, business lines of credit, Small Business Administration (SBA) loans, and specialized funding for vineyards, wineries, and agricultural ventures. Furthermore, the bank extends its offerings to include debit and credit cards, convenient online and mobile banking platforms, and sophisticated wealth management services encompassing trust administration, investment management, and estate settlement, alongside various retirement accounts and plans. Founded in 1890 and based in Santa Rosa, California, Exchange Bank maintained 17 branches across Sonoma County and a commercial office in Roseville, California, as of February 25, 2022. The bank operates as a subsidiary under the Frank P. Doyle Trust, Article IX.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
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Signal Summary Loading…
Indicator 1D1W2W3W1M
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
Averages
Trend
Price
Levels
Draw
USD166.50 +0.50 (+0.30%)
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Volume Profile
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Liquidity & share structure
Average Volume
611
Beta
0.18
Float Shares
835.3K
Free Float %
48.7%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
+8.82% +10.34% +7.85% +11.11% +32.23% +23.08% +49.53% +71.99% +3.16% +88.24% +135.29%
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From To
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Annual Monthly Returns
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Daily Returns Distribution
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Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

From To

By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Price Targets & DCF
Current price
166.50
DCF (Unlevered) 299.35 +79.8%
DCF (Levered) 319.65 +92.0%

DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.

Quality scores
Altman Z-Score
0.15
Distress
Piotroski F-Score
4 / 9
Average
Composite Rating
A-
Overall Score
4 / 5
High
DCF Score
5 / 5
High
ROE Score
3 / 5
Medium
ROA Score
3 / 5
Medium
D/E Score
3 / 5
Medium
P/E Score
3 / 5
Medium
P/Book Score
4 / 5
High
Operational MOAT
  • Revenue growth
    +5.1% Q1'26: +5.9% (vs Q1'25)
  • EPS growth
    +25.7% Q1'26: +33.9% (vs Q1'25)
  • FCF margin
    Q1'26: +0.0% (vs Q1'25)
  • EBIT margin
    Q1'26: +25.9% (vs Q1'25)
  • ROIC
    Q1'26: +8.3% (vs Q1'25)
  • Share dilution
    +0.0% Q1'26: 0.0% (vs Q1'25)
  • Debt / EBITDA
    Q1'26: 0.99× (vs Q1'25)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
Theoretical Return — If Invested Today

* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
WACC components (optional)
Ke (Cost of Equity) = Rf + β (0.16) × ERP
WACC = 87% × Ke + 13% × Kd (95.3%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Intrinsic value (base): 299.35 Current price: 166.50
Enterprise Value: Equity Value: Terminal Value: TV as % of EV:

Base values reflect the latest available data for this company and market conditions.

Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-27 A- 4/5 5/5 3/5 3/5 3/5 3/5 4/5
2026-05-26 A- 4/5 5/5 3/5 3/5 3/5 3/5 4/5
2026-05-22 A- 4/5 5/5 3/5 3/5 3/5 3/5 4/5
2026-05-19 A- 4/5 5/5 3/5 3/5 3/5 3/5 4/5
2026-05-18 A- 4/5 5/5 3/5 3/5 3/5 3/5 4/5
2026-05-15 A- 4/5 5/5 3/5 3/5 3/5 3/5 4/5
2026-05-14 A- 4/5 5/5 3/5 3/5 3/5 3/5 4/5
2026-05-13 A- 4/5 5/5 3/5 3/5 3/5 3/5 4/5
2026-05-12 A- 4/5 5/5 3/5 3/5 3/5 3/5 4/5
2026-05-11 A- 4/5 5/5 3/5 3/5 3/5 3/5 4/5
2026-05-07 A 4/5 5/5 3/5 4/5 3/5 4/5 4/5
2026-05-06 A 4/5 5/5 3/5 4/5 3/5 4/5 4/5
2026-05-05 A 4/5 5/5 3/5 4/5 3/5 4/5 4/5
2026-05-04 A 4/5 5/5 3/5 4/5 3/5 4/5 4/5
2026-05-01 A 4/5 5/5 3/5 4/5 3/5 4/5 4/5
2026-04-30 A 4/5 5/5 3/5 4/5 3/5 4/5 4/5
2026-04-29 A 4/5 5/5 3/5 4/5 3/5 4/5 4/5
2026-04-27 A 4/5 5/5 3/5 4/5 3/5 4/5 4/5
2026-04-23 A 4/5 5/5 3/5 4/5 2/5 4/5 4/5
2026-04-22 A 4/5 5/5 3/5 4/5 2/5 4/5 4/5
2026-04-21 A 4/5 5/5 3/5 4/5 2/5 4/5 4/5
2026-04-20 A 4/5 5/5 3/5 4/5 2/5 4/5 4/5
2026-04-17 A 4/5 5/5 3/5 4/5 2/5 4/5 4/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
-1.17M
OE per share TTM
-0.68
Owner's Yield
-0.43%
Maintenance CapEx ratio
18.50%
Maint CapEx / Avg PPE
17.2%

Ownership Overview

Ownership breakdown

Ownership breakdown not available.

At a glance
Institutional holders
Total invested
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)

No beneficial ownership filings recorded.

Institutional Activity (13F)

Institutional ownership trend

Institutional history not available.

Top institutional holders

Top holders not available.

ETF Ownership

Top ETFs holding this stock

This company is not held by any ETF in our universe.

Insider Activity

Insider Activity — Latest Quarter

No insider activity available.

Insider buys vs sells (history)

Insider history not available.

Recent insider transactions

No recent insider transactions.

Executive team

Top executives
EBIT / Employee
97.4K
Shares Outstanding
1.71M

Executive compensation

Executive compensation (annual)

Executive compensation not available.

CEO compensation breakdown

No CEO compensation history available.

Proxy statements

Proxy statements (DEF 14A)

No proxy statements available for this company yet.

Recent SEC filings

Recent SEC filings

No SEC filings available for this company yet.

Executive team

NameTitleCompensationGender
Troy Sanderson President, Chief Executive Officer & Director 854.7K male
Shari DeMaris Executive VP & COO 452.8K female
Marlene K. Soiland Corporate Secretary & Independent Director 109.2K female
Holly Hawkins Senior Vice President & Chief Human Resources Officer female
John Mackey Senior VP and MD of Investment & Fiduciary Services male
Brian Rober Executive Vice President & Chief Information Officer male
Craig Bainbridge Senior VP, Product Innovation & Delivery Manager male
Shauna R. Lorenzen VP of Accounting & Controller female
Suzanne Knowlton Vice President, Director of Marketing & Community Relations female
Charlotte Radmilovic Senior VP & CFO female
ESG Score History

No data available for this company.

Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

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Dividend yield history

Dividend history

Earnings history

Earnings reports

Stock splits