EXCH (Exchange Bancshares) Debt-to-Asset : 0.07 (As of Dec. 2025)

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EXCH Exchange Bancshares Inc EXCH
51 GF Score
Price $63.50
GF Value $60.55
Valuation Fairly Valued
! 3 Warning Signs
View Full Analysis

What is Exchange Bancshares Debt-to-Asset?

Exchange Bancshares EXCH 51 Debt-to-Asset is 0.07 as of Dec. 2025. GuruFocus rates EXCH with a GF Score™ of 51/100 and a GF Value™ of $60.55 (Fairly Valued). The stock has 3 warning signs investors should review.

Exchange Bancshares's Short-Term Debt & Capital Lease Obligation for the quarter that ended in Dec. 2025 was $0.00 Mil. Exchange Bancshares's Long-Term Debt & Capital Lease Obligation for the quarter that ended in Dec. 2025 was $31.00 Mil. Exchange Bancshares's Long-Term Debt & Capital Lease ObligationTotal Assets for the quarter that ended in Dec. 2025 was $424.91 Mil. Exchange Bancshares's debt to asset for the quarter that ended in Dec. 2025 was 0.07.

Exchange Bancshares  (OTCPK:EXCH) Debt-to-Asset Explanation

In the calculation of Debt-to-Asset, we use the total of Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation divided by Total Assets.

Exchange Bancshares Debt-to-Asset Related Terms

Exchange Bancshares Debt-to-Asset Historical Data

* Premium members only.

The historical data trend for Exchange Bancshares's Debt-to-Asset 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 Debt-to-Asset Chart

Exchange Bancshares Annual Data
Trend Dec01 Dec02 Dec03 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Debt-to-Asset
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 0.00 0.05 0.06 0.07

Exchange Bancshares Semi-Annual Data
Dec01 Dec02 Dec03 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Debt-to-Asset Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 0.00 0.05 0.06 0.07

EXCH vs HCKG, BHDB, EFSG: Debt-to-Asset Comparison

For the Banks - Regional subindustry, Exchange Bancshares's Debt-to-Asset, along with its competitors' market caps and Debt-to-Asset 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 Bancshares Debt-to-Asset vs Banks Industry

For the Banks industry and Financial Services sector, Exchange Bancshares's Debt-to-Asset distribution charts can be found below:

* The bar in red indicates where Exchange Bancshares's Debt-to-Asset falls into.


EXCH
51GF Score
Exchange Bancshares Inc EXCH
Debt-to-Asset is just one metric. See GF Score™, valuation, warning signs, and more.
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Exchange Bancshares Debt-to-Asset Calculation

Debt to Asset measures the financial leverage a company has.

Exchange Bancshares's Debt-to-Asset for the fiscal year that ended in Dec. 2025 is calculated as

Debt-to-Asset=Total Debt / Total Assets
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / Total Assets
=(0 + 31) / 424.914
=0.07

Exchange Bancshares's Debt-to-Asset for the quarter that ended in Dec. 2025 is calculated as

Debt-to-Asset=Total Debt / Total Assets
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / Total Assets
=(0 + 31) / 424.914
=0.07

* 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 Debt-to-Asset →
What does a Debt-to-Asset of 0.07 mean?
Exchange Bancshares (EXCH) has a Debt-to-Asset of 0.07 as of Dec. 2025. Debt-to-asset ratio represents the ratio of total debt to total assets. View historical data on Exchange Bancshares and its competitors.
Is Exchange Bancshares' Debt-to-Asset too high?
Exchange Bancshares' current Debt-to-Asset is 0.07. 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' Debt-to-Asset compare to HCKG and BHDB?
Exchange Bancshares' Debt-to-Asset of 0.07 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 Debt-to-Asset for a Banks company?
A good Debt-to-Asset depends on the Banks industry context. However, Debt-to-Asset 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 Debt-to-Asset mean?
A high Debt-to-Asset can signal that a stock is expensive relative to its fundamentals. Debt-to-asset ratio represents the ratio of total debt to total assets. View historical data on Exchange Bancshares and its competitors. Exchange Bancshares's current Debt-to-Asset is 0.07. 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 $60.55, compared to a current price of $63.50 — trading 4.9% above its estimated fair value. The current Debt-to-Asset is 0.07. 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 Debt-to-Asset calculated?
Debt-to-Asset is calculated from a company's financial statements. For Exchange Bancshares (EXCH), the current Debt-to-Asset is 0.07 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 $63.50 is trading 4.9% above its estimated GF Value™ of $60.55. GuruFocus considers Exchange Bancshares to be Fairly Valued.

Key valuation signals for EXCH:

  • Debt-to-Asset: 0.07
  • GF Value™: $60.55 vs. price of $63.50 (4.9% 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

Get the complete analysis for EXCH

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

$63.50
Price
$60.55
GF Value