EXCH (Exchange Bancshares) Cash Flow for Dividends: $-0.90 Mil (TTM As of Dec. 2025)


EXCH Exchange Bancshares Inc EXCH
50 GF Score
Price $67.70
GF Value $59.63
Valuation Modestly Overvalued
! 3 Warning Signs
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What is Exchange Bancshares Cash Flow for Dividends?

Exchange Bancshares EXCH 50 Cash Flow for Dividends is $-0.90 Mil as of Dec. 2025. GuruFocus rates EXCH with a GF Score™ of 50/100 and a GF Value™ of $59.63 (Modestly Overvalued). The stock has 3 warning signs investors should review.

Exchange Bancshares's cash flow for dividends for the six months ended in Dec. 2025 was $-0.90 Mil. Its cash flow for dividends for the trailing twelve months (TTM) ended in Dec. 2025 was $-0.90 Mil.

Note: A negative number here means the payment of dividends. When pays more dividends, the absolute value gets bigger.

Exchange Bancshares's quarterly payment of dividends increased from Dec. 2023 ($-0.77 Mil) to Dec. 2024 ($-0.86 Mil) and increased from Dec. 2024 ($-0.86 Mil) to Dec. 2025 ($-0.90 Mil).

Exchange Bancshares's annual payment of dividends increased from Dec. 2023 ($-0.77 Mil) to Dec. 2024 ($-0.86 Mil) and increased from Dec. 2024 ($-0.86 Mil) to Dec. 2025 ($-0.90 Mil).

Exchange Bancshares Cash Flow for Dividends Related Terms

Exchange Bancshares Cash Flow for Dividends Historical Data

* Premium members only.

The historical data trend for Exchange Bancshares's Cash Flow for Dividends 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 Cash Flow for Dividends Chart

Exchange Bancshares Annual Data
Trend Dec01 Dec02 Dec03 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cash Flow for Dividends
Get a 7-Day Free Trial Premium Member Only Premium Member Only -0.63 -0.68 -0.77 -0.86 -0.90

Exchange Bancshares Semi-Annual Data
Dec01 Dec02 Dec03 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cash Flow for Dividends Get a 7-Day Free Trial Premium Member Only Premium Member Only -0.63 -0.68 -0.77 -0.86 -0.90
EXCH
50GF Score
Exchange Bancshares Inc EXCH
Cash Flow for Dividends is just one metric. See GF Score™, valuation, warning signs, and more.
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Exchange Bancshares Cash Flow for Dividends Calculation

Cash flow for dividends refers to the payment of cash to shareholders as dividends when the company generates income.

For stock reported annually, GuruFocus uses latest annual data as the TTM data. Cash Flow for Dividends for the trailing twelve months (TTM) ended in Dec. 2025 was $-0.90 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.

What does a Cash Flow for Dividends of $-0.90 Mil mean?
Exchange Bancshares (EXCH) has a Cash Flow for Dividends of $-0.90 Mil as of Dec. 2025. Cash Flow for Dividends represent the amount a company pays as dividends for a specific accounting period. View historical data for Exchange Bancshares and its competitors.
Is Exchange Bancshares' Cash Flow for Dividends too high?
Exchange Bancshares' current Cash Flow for Dividends is $-0.90 Mil. Overall, Exchange Bancshares has a GF Score™ of 50/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Exchange Bancshares' Cash Flow for Dividends compare to LKSB and HCBC?
Exchange Bancshares' Cash Flow for Dividends of $-0.90 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 Cash Flow for Dividends for a Banks company?
A good Cash Flow for Dividends depends on the Banks industry context. However, Cash Flow for Dividends 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 Cash Flow for Dividends mean?
A high Cash Flow for Dividends can signal that a stock is expensive relative to its fundamentals. Cash Flow for Dividends represent the amount a company pays as dividends for a specific accounting period. View historical data for Exchange Bancshares and its competitors. Exchange Bancshares's current Cash Flow for Dividends is $-0.90 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 $59.63, compared to a current price of $67.70 — trading 13.5% above its estimated fair value. The current Cash Flow for Dividends is $-0.90 Mil. Exchange Bancshares' overall GF Score™ is 50/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cash Flow for Dividends calculated?
Cash Flow for Dividends is calculated from a company's financial statements. For Exchange Bancshares (EXCH), the current Cash Flow for Dividends is $-0.90 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 13.5% above its estimated GF Value™ of $59.63. GuruFocus considers Exchange Bancshares to be Modestly Overvalued.

Key valuation signals for EXCH:

  • Cash Flow for Dividends: $-0.90 Mil
  • GF Value™: $59.63 vs. price of $67.70 (13.5% above fair value)
  • GF Score™: 50/100 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.
50GF Score

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Cash Flow for Dividends is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$67.70
Price
$59.63
GF Value