EXSR (Exchange Banknta Rosa) Cyclically Adjusted Book per Share: $152.81 (As of Dec. 2025)


EXSR Exchange Bank Santa Rosa EXSR
58 GF Score
Price $158.28
GF Value $115.66
Valuation Significantly Overvalued
! 6 Warning Signs
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What is Exchange Banknta Rosa Cyclically Adjusted Book per Share?

Exchange Banknta Rosa EXSR -5.53% 58 Cyclically Adjusted Book per Share is $152.81 as of Dec. 2025. GuruFocus rates EXSR with a GF Score™ of 58/100 and a GF Value™ of $115.66 (Significantly Overvalued). The stock has 6 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

Exchange Banknta Rosa's adjusted book value per share for the three months ended in Dec. 2025 was $202.291. Add all the adjusted book value per share for the past 10 years together and divide the count will get our Cyclically Adjusted Book per Share, which is $152.81 for the trailing ten years ended in Dec. 2025.

During the past 12 months, Exchange Banknta Rosa's average Cyclically Adjusted Book Growth Rate was 7.50% per year. During the past 3 years, the average Cyclically Adjusted Book Growth Rate was 13.60% per year. During the past 5 years, the average Cyclically Adjusted Book Growth Rate was 11.50% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Cyclically Adjusted Book Growth Rate using Cyclically Adjusted Book per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted Book Growth Rate of Exchange Banknta Rosa was 13.60% per year. The lowest was 2.20% per year. And the median was 5.10% per year.

As of today (2026-07-03), Exchange Banknta Rosa's current stock price is $158.28. Exchange Banknta Rosa's Cyclically Adjusted Book per Share for the quarter that ended in Dec. 2025 was $152.81. Exchange Banknta Rosa's Cyclically Adjusted PB Ratio of today is 1.04.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of Exchange Banknta Rosa was 2.03. The lowest was 0.62. And the median was 1.27.


Exchange Banknta Rosa  (OTCPK:EXSR) Cyclically Adjusted Book per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted Book per Share may underestimate the company's equity. Cyclically Adjusted PB Ratio can seem to be too high even the actual PB Ratio is low.

For the Cyclically Adjusted PB Ratio, the book value of the past 10 years are inflation-adjusted and averaged. The result is used for P/B calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted PB Ratio is also called CAPB Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted book value per share of a company over the past 10 years.

Exchange Banknta Rosa's Cyclically Adjusted PB Ratio of today is calculated as

Cyclically Adjusted PB Ratio=Share Price/Cyclically Adjusted Book per Share
=158.28/152.81
=1.04

* 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.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of Exchange Banknta Rosa was 2.03. The lowest was 0.62. And the median was 1.27.


Be Aware

Cyclically Adjusted PB Ratio works better for cyclical companies. It gives you a better idea on the company's real book value.


Exchange Banknta Rosa Cyclically Adjusted Book per Share Related Terms


Exchange Banknta Rosa Cyclically Adjusted Book per Share Historical Data

* Premium members only.

The historical data trend for Exchange Banknta Rosa's Cyclically Adjusted Book per Share 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 Cyclically Adjusted Book per Share Chart

Exchange Banknta Rosa Annual Data
Trend Dec12 Dec13 Dec14 Dec15 Dec16 Dec17 Dec18 Dec23 Dec24 Dec25
Cyclically Adjusted Book per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 98.16 104.34 135.46 142.19 152.81

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
Cyclically Adjusted Book per Share 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 142.19 145.20 147.73 150.62 152.81

EXSR vs CCFN, WNEB, LRBI: Cyclically Adjusted Book per Share Comparison

For the Banks - Regional subindustry, Exchange Banknta Rosa's Cyclically Adjusted PB Ratio, along with its competitors' market caps and Cyclically Adjusted PB Ratio 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 Cyclically Adjusted PB Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Exchange Banknta Rosa's Cyclically Adjusted PB Ratio distribution charts can be found below:

* The bar in red indicates where Exchange Banknta Rosa's Cyclically Adjusted PB Ratio falls into.


EXSR
58GF Score
Exchange Bank Santa Rosa EXSR
Cyclically Adjusted Book per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Exchange Banknta Rosa Cyclically Adjusted Book per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

What is Cyclically Adjusted Book per Share? How do we calculate Cyclically Adjusted Book per Share?

Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted Book per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the book value per share from 2001 through 2010.

We adjusted the 2001 book value per share data with the total inflation from 2001 through 2010 to the equivalent book value in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's book value is $1 a share in 2001, then the 2001's equivalent book value in 2010 is $1.4 a share. If Wal-Mart's book value is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 book value in 2010 is $1.35. So on and so forth, you get the equivalent book value per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted Book per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Exchange Banknta Rosa's adjusted Book Value per Share data for the three months ended in Dec. 2025 was:

Adj_Book= Book Value per Share /CPI of Dec. 2025 (Change)*Current CPI (Dec. 2025)
=202.291/324.0540*324.0540
=202.291

Current CPI (Dec. 2025) = 324.0540.

Exchange Banknta Rosa Quarterly Data

Book Value per Share CPI Adj_Book
201303 92.412 232.773 128.651
201306 85.744 233.504 118.994
201309 87.934 234.149 121.698
201312 85.099 233.049 118.330
201403 87.914 236.293 120.566
201406 90.730 238.343 123.358
201409 92.928 238.031 126.512
201412 93.272 234.812 128.721
201503 96.735 236.119 132.761
201506 98.398 238.638 133.618
201509 101.409 237.945 138.108
201512 100.996 236.525 138.371
201603 104.214 238.132 141.816
201606 106.926 241.018 143.764
201609 109.257 241.428 146.649
201612 110.369 241.432 148.139
201703 113.740 243.801 151.180
201706 117.426 244.955 155.344
201709 120.248 246.819 157.876
201712 118.556 246.524 155.841
201803 121.468 249.554 157.730
201806 125.051 251.989 160.814
201809 128.664 252.439 165.165
201812 135.106 251.233 174.267
201909 152.894 256.759 192.967
202009 173.907 260.280 216.518
202109 184.398 274.310 217.837
202209 110.602 296.808 120.755
202303 0.000 301.836 0.000
202306 0.000 305.109 0.000
202309 118.711 307.789 124.984
202312 148.905 306.746 157.307
202403 147.290 312.332 152.818
202406 149.990 314.175 154.706
202409 0.000 315.301 0.000
202412 163.833 315.605 168.219
202503 175.677 319.799 178.014
202506 184.610 322.561 185.464
202509 194.114 324.800 193.668
202512 202.291 324.054 202.291

Add all the adjusted book value per share together and divide the count will get our Cyclically Adjusted Book per Share.

What does a Cyclically Adjusted Book per Share of $152.81 mean?
Exchange Banknta Rosa (EXSR) has a Cyclically Adjusted Book per Share of $152.81 as of Dec. 2025. Cyclically adjusted book value per share represents the company's inflation-adjusted book value per share over a 10-year period. View historical data on Exchange Banknta Rosa and its competitors.
Is Exchange Banknta Rosa's Cyclically Adjusted Book per Share too high?
Exchange Banknta Rosa's current Cyclically Adjusted Book per Share is $152.81. 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 Cyclically Adjusted Book per Share compare to CCFN and WNEB?
Exchange Banknta Rosa's Cyclically Adjusted Book per Share of $152.81 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 Cyclically Adjusted Book per Share for a Banks company?
A good Cyclically Adjusted Book per Share depends on the Banks industry context. However, Cyclically Adjusted Book per Share 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 Cyclically Adjusted Book per Share mean?
A high Cyclically Adjusted Book per Share can signal that a stock is expensive relative to its fundamentals. Cyclically adjusted book value per share represents the company's inflation-adjusted book value per share over a 10-year period. View historical data on Exchange Banknta Rosa and its competitors. Exchange Banknta Rosa's current Cyclically Adjusted Book per Share is $152.81. 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 $115.66, compared to a current price of $158.28 — trading 36.8% above its estimated fair value. The current Cyclically Adjusted Book per Share is $152.81. 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 Cyclically Adjusted Book per Share calculated?
Cyclically Adjusted Book per Share is calculated from a company's financial statements. For Exchange Banknta Rosa (EXSR), the current Cyclically Adjusted Book per Share is $152.81 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 $158.28 is trading 36.8% above its estimated GF Value™ of $115.66. GuruFocus considers Exchange Banknta Rosa to be Significantly Overvalued.

Key valuation signals for EXSR:

  • Cyclically Adjusted Book per Share: $152.81
  • GF Value™: $115.66 vs. price of $158.28 (36.8% 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

Cyclically Adjusted Book per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$158.28
Price
$115.66
GF Value