EXCH (Exchange Bancshares) Payments of Debt: $-14.50 Mil (TTM As of Dec. 2025)


EXCH Exchange Bancshares Inc EXCH
63 GF Score
Price $67.70
GF Value $59.75
Valuation Modestly Overvalued
! 3 Warning Signs
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What is Exchange Bancshares Payments of Debt?

Exchange Bancshares EXCH 63 Payments of Debt is $-14.50 Mil as of Dec. 2025. GuruFocus rates EXCH with a GF Score™ of 63/100 and a GF Value™ of $59.75 (Modestly Overvalued). The stock has 3 warning signs investors should review.

Exchange Bancshares's Payments of Debt for the six months ended in Dec. 2025 was $-14.50 Mil.

Exchange Bancshares's Payments of Debt for the trailing twelve months (TTM) ended in Dec. 2025 was $-14.50 Mil.

Exchange Bancshares Payments of Debt Related Terms

Exchange Bancshares Payments of Debt Historical Data

* Premium members only.

The historical data trend for Exchange Bancshares's Payments of Debt 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 Payments of Debt Chart

Exchange Bancshares Annual Data
Trend Dec01 Dec02 Dec03 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Payments of Debt
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 0.00 0.00 -19.50 -14.50

Exchange Bancshares Semi-Annual Data
Dec01 Dec02 Dec03 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Payments of Debt Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 0.00 0.00 -19.50 -14.50
EXCH
63GF Score
Exchange Bancshares Inc EXCH
Payments of Debt is just one metric. See GF Score™, valuation, warning signs, and more.
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Exchange Bancshares Payments of Debt Calculation

Payments of Debt represents all the cash outflow from debt, including both long-term debt and short-term debt.

For stock reported annually, GuruFocus uses latest annual data as the TTM data. Payments of Debt for the trailing twelve months (TTM) ended in Dec. 2025 was $-14.50 Mil.

* 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.

Frequently Asked Questions Learn more about Payments of Debt →
What does a Payments of Debt of $-14.50 Mil mean?
Exchange Bancshares (EXCH) has a Payments of Debt of $-14.50 Mil as of Dec. 2025. Payments of Debt is all the cash outflow from debt, including both long-term debt and short-term debt. View historical data on Exchange Bancshares and its competitors.
Is Exchange Bancshares' Payments of Debt too high?
Exchange Bancshares' current Payments of Debt is $-14.50 Mil. Overall, Exchange Bancshares has a GF Score™ of 63/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Exchange Bancshares' Payments of Debt compare to FMFP and ANDC?
Exchange Bancshares' Payments of Debt of $-14.50 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 Payments of Debt for a Banks company?
A good Payments of Debt depends on the Banks industry context. However, Payments of Debt 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 Payments of Debt mean?
A high Payments of Debt can signal that a stock is expensive relative to its fundamentals. Payments of Debt is all the cash outflow from debt, including both long-term debt and short-term debt. View historical data on Exchange Bancshares and its competitors. Exchange Bancshares's current Payments of Debt is $-14.50 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 $59.75, compared to a current price of $67.70 — trading 13.3% above its estimated fair value. The current Payments of Debt is $-14.50 Mil. Exchange Bancshares' overall GF Score™ is 63/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Payments of Debt calculated?
Payments of Debt is calculated from a company's financial statements. For Exchange Bancshares (EXCH), the current Payments of Debt is $-14.50 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 $67.70 is trading 13.3% above its estimated GF Value™ of $59.75. GuruFocus considers Exchange Bancshares to be Modestly Overvalued.

Key valuation signals for EXCH:

  • Payments of Debt: $-14.50 Mil
  • GF Value™: $59.75 vs. price of $67.70 (13.3% above fair value)
  • GF Score™: 63/100 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.
63GF Score

Get the complete analysis for EXCH

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

$67.70
Price
$59.75
GF Value