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Exchange Banknta Rosa (Exchange Banknta Rosa) ROE % : 12.47% (As of Sep. 2023)


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What is Exchange Banknta Rosa ROE %?

ROE % is calculated as Net Income divided by its average Total Stockholders Equity over a certain period of time. Exchange Banknta Rosa's annualized net income for the quarter that ended in Sep. 2023 was $25.37 Mil. Exchange Banknta Rosa's average Total Stockholders Equity over the quarter that ended in Sep. 2023 was $203.47 Mil. Therefore, Exchange Banknta Rosa's annualized ROE % for the quarter that ended in Sep. 2023 was 12.47%.

The historical rank and industry rank for Exchange Banknta Rosa's ROE % or its related term are showing as below:

EXSR' s ROE % Range Over the Past 10 Years
Min: -2.54   Med: 10.02   Max: 17.72
Current: 3.12

During the past 13 years, Exchange Banknta Rosa's highest ROE % was 17.72%. The lowest was -2.54%. And the median was 10.02%.

EXSR's ROE % is ranked worse than
86.58% of 1460 companies
in the Banks industry
Industry Median: 9.7 vs EXSR: 3.12

Exchange Banknta Rosa ROE % Historical Data

The historical data trend for Exchange Banknta Rosa's ROE % can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

* Premium members only.

Exchange Banknta Rosa ROE % Chart

Exchange Banknta Rosa Annual Data
Trend Dec09 Dec10 Dec11 Dec12 Dec13 Dec14 Dec15 Dec16 Dec17 Dec18
ROE %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 11.25 12.63 11.87 9.94 17.72

Exchange Banknta Rosa Quarterly Data
Sep14 Dec14 Mar15 Jun15 Sep15 Dec15 Mar16 Jun16 Sep16 Dec16 Mar17 Jun17 Sep17 Dec17 Mar18 Jun18 Sep18 Dec18 Sep22 Sep23
ROE % Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 16.80 17.53 15.94 17.39 12.47

Competitive Comparison of Exchange Banknta Rosa's ROE %

For the Banks - Regional subindustry, Exchange Banknta Rosa's ROE %, along with its competitors' market caps and ROE % data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Exchange Banknta Rosa's ROE % Distribution in the Banks Industry

For the Banks industry and Financial Services sector, Exchange Banknta Rosa's ROE % distribution charts can be found below:

* The bar in red indicates where Exchange Banknta Rosa's ROE % falls into.



Exchange Banknta Rosa ROE % Calculation

Exchange Banknta Rosa's annualized ROE % for the fiscal year that ended in Dec. 2018 is calculated as

ROE %=Net Income (A: Dec. 2018 )/( (Total Stockholders Equity (A: Dec. 2017 )+Total Stockholders Equity (A: Dec. 2018 ))/ count )
=38.511/( (203.205+231.572)/ 2 )
=38.511/217.3885
=17.72 %

Exchange Banknta Rosa's annualized ROE % for the quarter that ended in Sep. 2023 is calculated as

ROE %=Net Income (Q: Sep. 2023 )/( (Total Stockholders Equity (Q: Sep. 2022 )+Total Stockholders Equity (Q: Sep. 2023 ))/ count )
=25.372/( (0+203.471)/ 1 )
=25.372/203.471
=12.47 %

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

In the calculation of annual ROE %, the net income of the last fiscal year and the average total shareholder equity over the fiscal year are used. In calculating the quarterly data, the net income data used here is four times the quarterly (Sep. 2023) net income data. ROE % is displayed in the 30-year financial page.


Exchange Banknta Rosa  (OTCPK:EXSR) ROE % Explanation

ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.

The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:

ROE %(Q: Sep. 2023 )
=Net Income/Total Stockholders Equity
=25.372/203.471
=(Net Income / Revenue )*(Revenue / Total Assets)*(Total Assets / Total Stockholders Equity)
=(25.372 / 109.664)*(109.664 / 3363.232)*(3363.232 / 203.471)
=Net Margin %*Asset Turnover*Equity Multiplier
=23.14 %*0.0326*16.5293
=ROA %*Equity Multiplier
=0.75 %*16.5293
=12.47 %

With this breakdown, it is clear that if a company grows its Net Profit Margin, its Asset Turnover, or its Leverage, it can grow its ROE %.

The factors that affect a company's ROE % can also be illustrated with the five-step DuPont Analysis:

ROE %(Q: Sep. 2023 )
=Net Income/Total Stockholders Equity
=25.372/203.471
=(Net Income / Pre-Tax Income) * (Pre-Tax Income / Revenue) * (Revenue / Total Assets) * (Total Assets / Total Stockholders Equity)
= (25.372 / 35.48) * (35.48 / 109.664) * (109.664 / 3363.232) * (3363.232 / 203.471)
= Tax Burden * Pretax Margin % * Asset Turnover * Equity Multiplier
= 0.7151 * 32.35 % * 0.0326 * 16.5293
=12.47 %

Note: The net income data used here is four times the quarterly (Sep. 2023) net income data. The Revenue data used here is four times the quarterly (Sep. 2023) revenue data. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.


Be Aware

Net Income is used.

Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.

Asset light businesses require very few assets to generate very high earnings. Their ROE %s can be extremely high.


Exchange Banknta Rosa ROE % Related Terms

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Exchange Banknta Rosa (Exchange Banknta Rosa) Business Description

Traded in Other Exchanges
N/A
Address
545 4th Street, P.O. Box 403, Santa Rosa, CA, USA, 95401
Exchange Bank Santa Rosa together with its subsidiaries, provides community banking services to individuals and businesses. The bank offers personal banking, business banking, and trust and investment management services. It offers services such as checking plans, savings plans, debit MasterCard, visa credit cards, loans and lines, online and bill pay, cash management, merchant services, credit cards for business, home equity lines of credit, home equity loans, auto loans, unsecured personal loans, and others. Geographically all the business activity is functioned through the region of the United States.

Exchange Banknta Rosa (Exchange Banknta Rosa) Headlines