Financial Services
Exchange Bank (Santa Rosa, CA)(EXSR)
Live Price
Offline$170.00
+0.00% today
1Y Change
+65.05%
Window
Jun 25, 2025 โ Jun 18, 2026
- Market Cap
- $250.00M
- Revenue Growth
- +5.1%
- EPS Growth
- +25.7%
- Dividend Yield
- 3.5%
Coverage: 247 bars ยท Jun 25, 2025 โ Jun 18, 2026
Research Briefing
A compact read on the setup, peer context, quarterly changes, and recent earnings reaction.
Research Snapshot
Exchange Bank (Santa Rosa, CA) (EXSR) is a Financial Services stock with a market cap of $250.00M and listed on OTC. The stock last traded around $170.00 and up 65.0% across the available one-year price window (Jun 25, 2025 โ Jun 18, 2026). Baseline metrics include revenue growth of +5.1%, EPS growth of +25.7%, a dividend yield of 3.5%. What stands out right now is revenue +5.1%, EPS +25.7%, free cash flow -15.2% with operating margin 34.0% and ROIC 1.2%. The dividend matters to the case here, with a current yield around 3.5%. Valuation is more restrained than many high-expectation growth names at P/E 8.0 and price/sales 1.7. Overall, the current profile looks closer to a income-oriented value setup than a generic broad-market placeholder. Stock Foundry combines EXSR price history, valuation, growth, dividend context, earnings, analyst forecasts, news, related Financial Services peers on this page.
Sector Context
How this name stacks up against nearby peers on first-pass metrics.
Revenue Growth
Near sector median
+5.1% vs +3.4% peer median
Operating Margin
Above sector median
+34.0% vs +4.7% peer median
What Changed This Quarter
Latest report context and the signals most likely to have changed the story.
Latest report is on the board
2026 was reported on Apr 28, 2026, but the surprise data is still limited.
The operating story is still moving forward
Revenue is running at +5.1% and EPS at +25.7%, with operating margin around 34.0%.
Shareholder return is still part of the story
The stock is still offering a dividend yield around 3.5%, which matters if the thesis depends on income as much as growth.
Earnings Reaction Memory
How the stock has tended to move after recent reports.
Across the last 3 reported quarters, the stock averaged -0.4% over the next 5 trading days and finished higher after 0 of those reports.
View quarter-by-quarter reaction table
| Quarter | EPS ฮ | 1D | 5D | 20D |
|---|---|---|---|---|
2026 Apr 28, 2026 | โ | +0.1% | -0.1% | -0.4% |
2026 Jan 28, 2026 | โ | +0.0% | -0.7% | +2.8% |
2025 Oct 27, 2025 | โ | -1.4% | -0.4% | +6.7% |
Benchmark Edge
EXSR vs SPY, QQQ, and Sector ETFs
Normalized return, excess return, max drawdown, and calendar-year wins against the benchmarks investors actually use.
EXSR
โ
Normalized return
SPY
--
S&P 500
Excess Return
--
Relative to SPY
EXSR Max Drawdown
-9.16%
Trailing 1Y
SPY Max Drawdown
โ
Trailing 1Y
Calendar-Year Returns
Uses the longest available daily history for EXSR and SPY.
Company Overview
Exchange Bank (Santa Rosa, CA)
Other OTC
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.
- Leadership
- Troy J. Sanderson
- IPO Date
- Jan 6, 1999
- Employees
- 400
- Street Address
- PO Box 403
- Mailing
- Santa Rosa, CA, 95402-0403
- Region
- Santa Rosa, CA, US
- Reporting Currency
- USD
- Investor Line
- 707 524 3000
- Last Updated
- Apr 28, 2026
Key Fundamentals
Valuation, growth, profitability, and balance sheet signals.
Valuation
- P/E
- 8.0
- EV/EBITDA
- 6.4
- Price/Sales
- 1.7
- Price/Book
- 0.7
Growth
- Revenue
- +5.1%
- EPS
- +25.7%
- Free Cash Flow
- -15.2%
Profitability
- Gross Margin
- 81.6%
- Operating Margin
- 34.0%
- Net Margin
- 21.5%
- ROE
- 9.5%
- ROIC
- 1.2%
Balance Sheet
- Debt/Equity
- 0.11
- Current Ratio
- โ
Earnings Reports
Latest News
Official Releases
Company announcements and filings-style updates.
Next Step
Keep the research moving
After the overview, the strongest next step is usually chart context or a tighter compare set.