EXSR (Exchange Banknta Rosa) Net Loan: $1,697.2 Mil (As of Dec. 2025)

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EXSR Exchange Bank Santa Rosa EXSR
58 GF Score
Price $166.00
GF Value $115.64
Valuation Significantly Overvalued
! 6 Warning Signs
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What is Exchange Banknta Rosa Net Loan?

Exchange Banknta Rosa EXSR +0.60% 58 Net Loan is $1,697.2 Mil as of Dec. 2025. GuruFocus rates EXSR with a GF Score™ of 58/100 and a GF Value™ of $115.64 (Significantly Overvalued). The stock has 6 warning signs investors should review.

Exchange Banknta Rosa's quarterly net loan increased from Jun. 2025 ($1,599.1 Mil) to Sep. 2025 ($1,671.8 Mil) and increased from Sep. 2025 ($1,671.8 Mil) to Dec. 2025 ($1,697.2 Mil).

Exchange Banknta Rosa's annual net loan increased from Dec. 2023 ($1,546.7 Mil) to Dec. 2024 ($1,671.8 Mil) and increased from Dec. 2024 ($1,671.8 Mil) to Dec. 2025 ($1,697.2 Mil).

Exchange Banknta Rosa Net Loan Historical Data

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The historical data trend for Exchange Banknta Rosa's Net Loan 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 Banknta Rosa Net Loan Chart

Exchange Banknta Rosa Annual Data
Trend Dec12 Dec13 Dec14 Dec15 Dec16 Dec17 Dec18 Dec23 Dec24 Dec25
Net Loan
Get a 7-Day Free Trial Premium Member Only Premium Member Only 1,457.46 1,474.55 1,546.73 1,581.38 1,697.16

Exchange Banknta Rosa Quarterly Data
Mar18 Jun18 Sep18 Dec18 Sep19 Sep20 Sep21 Sep22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25
Net Loan 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 1,581.38 1,575.84 1,599.10 1,671.81 1,697.16
EXSR
58GF Score
Exchange Bank Santa Rosa EXSR
Net Loan is just one metric. See GF Score™, valuation, warning signs, and more.
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Exchange Banknta Rosa Net Loan Calculation

Total loans on banks' book. These are the fund that banks have lent out. The loans contribute to banks' income. Some borrower of the loans may stop paying their payment. In this case, the loan is called non-performing loans.

Loans can be divided into residential loans, commercial loans or consumer loans. Peter Lynch loved

Frequently Asked Questions Learn more about Net Loan →
What does a Net Loan of $1,697.2 Mil mean?
Exchange Banknta Rosa (EXSR) has a Net Loan of $1,697.2 Mil as of Dec. 2025. The total net loans as recorded on a bank's balance sheet. View historical data on Exchange Banknta Rosa and its competitors.
Is Exchange Banknta Rosa's Net Loan too high?
Exchange Banknta Rosa's current Net Loan is $1,697.2 Mil. Overall, Exchange Banknta Rosa has a GF Score™ of 58/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Exchange Banknta Rosa's Net Loan compare to CCFN and WNEB?
Exchange Banknta Rosa's Net Loan of $1,697.2 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 Net Loan for a Banks company?
A good Net Loan depends on the Banks industry context. However, Net Loan 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 Net Loan mean?
A high Net Loan can signal that a stock is expensive relative to its fundamentals. The total net loans as recorded on a bank's balance sheet. View historical data on Exchange Banknta Rosa and its competitors. Exchange Banknta Rosa's current Net Loan is $1,697.2 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Exchange Banknta Rosa stock overvalued right now?
Based on GuruFocus' analysis, Exchange Banknta Rosa (EXSR) is currently considered Significantly Overvalued. The stock's GF Value™ is $115.64, compared to a current price of $166.00 — trading 43.5% above its estimated fair value. The current Net Loan is $1,697.2 Mil. Exchange Banknta Rosa's overall GF Score™ is 58/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Loan calculated?
Net Loan is calculated from a company's financial statements. For Exchange Banknta Rosa (EXSR), the current Net Loan is $1,697.2 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 Banknta Rosa (EXSR) Overvalued in 2026?

Based on GuruFocus' analysis, Exchange Banknta Rosa stock appears to be overvalued. The current stock price of $166.00 is trading 43.5% above its estimated GF Value™ of $115.64. GuruFocus considers Exchange Banknta Rosa to be Significantly Overvalued.

Key valuation signals for EXSR:

  • Net Loan: $1,697.2 Mil
  • GF Value™: $115.64 vs. price of $166.00 (43.5% above fair value)
  • GF Score™: 58/100 with 6 warning signs

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

Exchange Banknta Rosa Business Description

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 is a full service community bank providing a range of commercial, retail banking, and trust and investment management services to individuals and businesses.
58GF Score

Get the complete analysis for EXSR

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

$166.00
Price
$115.64
GF Value