EXCH (Exchange Bancshares) Beginning Cash Position: $4.04 Mil (As of Dec. 2025)


EXCH Exchange Bancshares Inc EXCH
51 GF Score
Price $64.00
GF Value $59.86
Valuation Fairly Valued
! 3 Warning Signs
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What is Exchange Bancshares Beginning Cash Position?

Exchange Bancshares EXCH -5.47% 51 Beginning Cash Position is $4.04 Mil as of Dec. 2025. GuruFocus rates EXCH with a GF Score™ of 51/100 and a GF Value™ of $59.86 (Fairly Valued). The stock has 3 warning signs investors should review.

Exchange Bancshares's Beginning Cash Position for the quarter that ended in Dec. 2025 was $4.04 Mil.

Exchange Bancshares's quarterly Beginning Cash Position declined from Dec. 2023 ($5.01 Mil) to Dec. 2024 ($3.68 Mil) but then increased from Dec. 2024 ($3.68 Mil) to Dec. 2025 ($4.04 Mil).

Exchange Bancshares's annual Beginning Cash Position declined from Dec. 2023 ($5.01 Mil) to Dec. 2024 ($3.68 Mil) but then increased from Dec. 2024 ($3.68 Mil) to Dec. 2025 ($4.04 Mil).

Exchange Bancshares Beginning Cash Position Related Terms

Exchange Bancshares Beginning Cash Position Historical Data

* Premium members only.

The historical data trend for Exchange Bancshares's Beginning Cash Position 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 Beginning Cash Position Chart

Exchange Bancshares Annual Data
Trend Dec01 Dec02 Dec03 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Beginning Cash Position
Get a 7-Day Free Trial Premium Member Only Premium Member Only 8.78 4.90 5.01 3.68 4.04

Exchange Bancshares Semi-Annual Data
Dec01 Dec02 Dec03 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Beginning Cash Position Get a 7-Day Free Trial Premium Member Only Premium Member Only 8.78 4.90 5.01 3.68 4.04
EXCH
51GF Score
Exchange Bancshares Inc EXCH
Beginning Cash Position is just one metric. See GF Score™, valuation, warning signs, and more.
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Exchange Bancshares Beginning Cash Position Calculation

Beginning Cash Position is the cash and equivalents balance at the beginning of the accounting period, as indicated on the Cash Flow statement.

What does a Beginning Cash Position of $4.04 Mil mean?
Exchange Bancshares (EXCH) has a Beginning Cash Position of $4.04 Mil as of Dec. 2025. Beginning Cash Position is the cash and equivalents balance at the beginning of the accounting period, as indicated on the Cash Flow statement. View historical data on Exchange Bancshares and its competitors.
Is Exchange Bancshares' Beginning Cash Position too high?
Exchange Bancshares' current Beginning Cash Position is $4.04 Mil. Overall, Exchange Bancshares has a GF Score™ of 51/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Exchange Bancshares' Beginning Cash Position compare to FMFP and ANDC?
Exchange Bancshares' Beginning Cash Position of $4.04 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 Beginning Cash Position for a Banks company?
A good Beginning Cash Position depends on the Banks industry context. However, Beginning Cash Position 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 Beginning Cash Position mean?
A high Beginning Cash Position can signal that a stock is expensive relative to its fundamentals. Beginning Cash Position is the cash and equivalents balance at the beginning of the accounting period, as indicated on the Cash Flow statement. View historical data on Exchange Bancshares and its competitors. Exchange Bancshares's current Beginning Cash Position is $4.04 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 Fairly Valued. The stock's GF Value™ is $59.86, compared to a current price of $64.00 — trading 6.9% above its estimated fair value. The current Beginning Cash Position is $4.04 Mil. Exchange Bancshares' overall GF Score™ is 51/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Beginning Cash Position calculated?
Beginning Cash Position is calculated from a company's financial statements. For Exchange Bancshares (EXCH), the current Beginning Cash Position is $4.04 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 $64.00 is trading 6.9% above its estimated GF Value™ of $59.86. GuruFocus considers Exchange Bancshares to be Fairly Valued.

Key valuation signals for EXCH:

  • Beginning Cash Position: $4.04 Mil
  • GF Value™: $59.86 vs. price of $64.00 (6.9% above fair value)
  • GF Score™: 51/100 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.
51GF Score

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

$64.00
Price
$59.86
GF Value