EXCH (Exchange Bancshares) Accounts Receivable: $0.00 Mil (As of Dec. 2025)

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EXCH Exchange Bancshares Inc EXCH
53 GF Score
Price $69.00
GF Value $60.33
Valuation Modestly Overvalued
! 3 Warning Signs
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What is Exchange Bancshares Accounts Receivable?

Exchange Bancshares EXCH +2.22% 53 Accounts Receivable is $0.00 Mil as of Dec. 2025. GuruFocus rates EXCH with a GF Score™ of 53/100 and a GF Value™ of $60.33 (Modestly Overvalued). The stock has 3 warning signs investors should review.

Accounts Receivable are created when a customer has received a product but has not yet paid for that product. Exchange Bancshares's accounts receivables for the quarter that ended in Dec. 2025 was $0.00 Mil.

Accounts receivable can be measured by Days Sales Outstanding. Exchange Bancshares's Days Sales Outstanding for the quarter that ended in Dec. 2025 was 0.00.

In Ben Graham's calculation of Net-Net Working Capital, accounts receivable are only considered to be worth 75% of book value. Exchange Bancshares's Net-Net Working Capital per share for the quarter that ended in Dec. 2025 was $-626.63.

Exchange Bancshares Accounts Receivable Explanation

1. Accounts Receivable are created when a customer has received a product but has not yet paid for that product. Days Sales Outstanding measures of the average number of days that a company takes to collect revenue after a sale has been made. It is a financial ratio that illustrates how well a company's accounts receivables are being managed.

Exchange Bancshares's Days Sales Outstanding for the quarter that ended in Dec. 2025 is calculated as:

Days Sales Outstanding
=Accounts Receivable/Revenue*Days in Period
=0/18.471*91
=0.00

2. In Ben Graham's calculation of Net-Net Working Capital (NNWC), Exchange Bancshares's accounts receivable are only considered to be worth 75% of book value:

Exchange Bancshares's Net-Net Working Capital Per Share for the quarter that ended in Dec. 2025 is calculated as:

Net-Net Working Capital Per Share
=(Cash And Cash Equivalents+0.75 * Accounts Receivable+0.5 * Total Inventories-Total Liabilities
-Preferred Stock-Minority Interest)/Shares Outstanding (EOP)
=(7.976+0.75 * 0+0.5 * 0-377.063
-0-0)/0.589
=-626.63

* 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 receivables tells us a great deal about the different competitors in the same industry. In competitive industries, some attempt to gain advantage by offering better credit terms, causing increase in sales and receivables.

If company consistently shows lower % Net receivables to gross sales than competitors, then it usually has some kind of competitive advantage which requires further digging.

Average Days Sales Outstanding is a good indicator for measuring a company's sales channel and customers. A company may book great revenue and earnings growth but never receive payment from their customers. This may force a write-off in the future and depress future earnings.

Exchange Bancshares Accounts Receivable Related Terms

Exchange Bancshares Accounts Receivable Historical Data

* Premium members only.

The historical data trend for Exchange Bancshares's Accounts Receivable 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.

Exchange Bancshares Accounts Receivable Chart

Exchange Bancshares Annual Data
Trend Dec01 Dec02 Dec03 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Accounts Receivable
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 0.00 0.00 0.00 0.00

Exchange Bancshares Semi-Annual Data
Dec01 Dec02 Dec03 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Accounts Receivable Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 0.00 0.00 0.00 0.00
EXCH
53GF Score
Exchange Bancshares Inc EXCH
Accounts Receivable is just one metric. See GF Score™, valuation, warning signs, and more.
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Exchange Bancshares Accounts Receivable Calculation

Accounts Receivable is money owed to a business by customers and shown on its Balance Sheet as an asset.

Frequently Asked Questions Learn more about Accounts Receivable →
What does a Accounts Receivable of $0.00 Mil mean?
Exchange Bancshares (EXCH) has a Accounts Receivable of $0.00 Mil as of Dec. 2025. Accounts receivable is the amount a company expects to receive from credit-extending customers. View historical data on Exchange Bancshares and its competitors.
Is Exchange Bancshares' Accounts Receivable too high?
Exchange Bancshares' current Accounts Receivable is $0.00 Mil. Overall, Exchange Bancshares has a GF Score™ of 53/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Exchange Bancshares' Accounts Receivable compare to HCKG and BHDB?
Exchange Bancshares' Accounts Receivable of $0.00 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Accounts Receivable for a Banks company?
A good Accounts Receivable depends on the Banks industry context. However, Accounts Receivable should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Accounts Receivable mean?
A high Accounts Receivable can signal that a stock is expensive relative to its fundamentals. Accounts receivable is the amount a company expects to receive from credit-extending customers. View historical data on Exchange Bancshares and its competitors. Exchange Bancshares's current Accounts Receivable is $0.00 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Exchange Bancshares stock overvalued right now?
Based on GuruFocus' analysis, Exchange Bancshares (EXCH) is currently considered Modestly Overvalued. The stock's GF Value™ is $60.33, compared to a current price of $69.00 — trading 14.4% above its estimated fair value. The current Accounts Receivable is $0.00 Mil. Exchange Bancshares' overall GF Score™ is 53/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Accounts Receivable calculated?
Accounts Receivable is calculated from a company's financial statements. For Exchange Bancshares (EXCH), the current Accounts Receivable is $0.00 Mil as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Exchange Bancshares (EXCH) Overvalued in 2026?

Based on GuruFocus' analysis, Exchange Bancshares stock appears to be overvalued. The current stock price of $69.00 is trading 14.4% above its estimated GF Value™ of $60.33. GuruFocus considers Exchange Bancshares to be Modestly Overvalued.

Key valuation signals for EXCH:

  • Accounts Receivable: $0.00 Mil
  • GF Value™: $60.33 vs. price of $69.00 (14.4% above fair value)
  • GF Score™: 53/100 with 3 warning signs

No single metric tells the full story. See the EXCH stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Exchange Bancshares Business Description

Address 250 W. Hancock Street, P.O. Box 580, Milledgeville, GA, USA, 31061-0580
Exchange Bancshares Inc operates in the banking industry. The company provides personal checking, personal banking, business banking, mortgage loans, business loans, credit card services, investment services, online banking, mobile deposit, and others.
53GF Score

Get the complete analysis for EXCH

Accounts Receivable is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$69.00
Price
$60.33
GF Value