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Exchange Banknta RosaEXSR -2.31%62 Debt-to-Equity is 0.11 as of Jun. 2026, which is 8% below its 10-year median of 0.12. GuruFocus rates EXSR with a GF Score™ of 62/100 and a GF Value™ of $124.66 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 1,411 Banks companies, Exchange Banknta Rosa ranks better than 87.38% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for Exchange Banknta Rosa's Debt-to-Equity or its related term are showing as below:
EXSR'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.01 Med: 0.12 Max: 0.88
Current: 0.11
During the past 13 years, the highest Debt-to-Equity Ratio of Exchange Banknta Rosa was 0.88. The lowest was 0.01. And the median was 0.12.
EXSR's Debt-to-Equity is ranked better than 87.38% of 1411
companies
in the Banks industry
Industry Median: 0.58
vs EXSR: 0.11
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
Exchange Banknta Rosa Debt-to-Equity Related Terms
Exchange Banknta Rosa Debt-to-Equity Historical Data
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The historical data trend for Exchange Banknta Rosa's Debt-to-Equity 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.
EXSR vs HWBK, WNEB, LCNB: Debt-to-Equity Comparison
For the Banks - Regional subindustry, Exchange Banknta Rosa's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity 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 Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Exchange Banknta Rosa's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Exchange Banknta Rosa's Debt-to-Equity falls into.
* 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 (EXSR) has a Debt-to-Equity of 0.11 as of Jun. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Exchange Banknta Rosa and its competitors. This is near median its historical median of 0.12. Over the past decade, Exchange Banknta Rosa's Debt-to-Equity has ranged from 0.01 to 0.88. According to the industry distribution chart, Exchange Banknta Rosa ranks #178 out of 1411 companies in the Banks industry, placing it in the top 12.6%.
Is Exchange Banknta Rosa's Debt-to-Equity too high?
Exchange Banknta Rosa's current Debt-to-Equity of 0.11 is near median its 10-year median of 0.12. Over the past 10 years, this metric has ranged from a low of 0.01 to a high of 0.88. The Banks industry median Debt-to-Equity is 0.58. Exchange Banknta Rosa's value of 0.11 is 81% below this industry median. Based on the distribution chart, Exchange Banknta Rosa ranks #178 out of 1411 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Exchange Banknta Rosa has a GF Score™ of 62/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Exchange Banknta Rosa's Debt-to-Equity compare to HWBK and WNEB?
According to the Banks industry distribution chart, Exchange Banknta Rosa ranks #178 out of 1411 companies for Debt-to-Equity. This places Exchange Banknta Rosa in the top 13% of its industry — outperforming the majority of peers. The industry median Debt-to-Equity is 0.58. Exchange Banknta Rosa's value of 0.11 is 81% below this benchmark. Historically, Exchange Banknta Rosa's own Debt-to-Equity has ranged from 0.01 to 0.88 over the past decade. While the company's 10-year median is 0.12 vs. the industry median of 0.58, Exchange Banknta Rosa has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Equity for a Banks company?
The median Debt-to-Equity among Banks companies is 0.58, based on 1,411 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Exchange Banknta Rosa's current Debt-to-Equity of 0.11 is 81% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Exchange Banknta Rosa and its competitors. For the Banks industry, the median Debt-to-Equity is 0.58 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Exchange Banknta Rosa's current Debt-to-Equity is 0.11, which is near median its own 10-year median of 0.12. 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 Modestly Overvalued. The stock's GF Value™ is $124.66, compared to a current price of $156.25 — trading 25.3% above its estimated fair value. The current Debt-to-Equity is 0.11, which is near median its 10-year median of 0.12 and 81% below the Banks industry median of 0.58. Exchange Banknta Rosa's overall GF Score™ is 62/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For Exchange Banknta Rosa (EXSR), the current Debt-to-Equity is 0.11 as of Jun. 2026. 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 $156.25 is trading 25.3% above its estimated GF Value™ of $124.66.
GuruFocus considers Exchange Banknta Rosa to be Modestly Overvalued.
Key valuation signals for EXSR:
Debt-to-Equity: 0.11 (near median its 10-year median of 0.12)
GF Value™: $124.66 vs. price of $156.25 (25.3% above fair value)
Industry Position: 81% below the Banks median (#178 of 1411)
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 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.
62GF Score
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