EXSR (Exchange Banknta Rosa) E10: $17.39 (As of Dec. 2025)


EXSR Exchange Bank Santa Rosa EXSR
58 GF Score
Price $165.00
GF Value $115.67
Valuation Significantly Overvalued
! 6 Warning Signs
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What is Exchange Banknta Rosa E10?

Exchange Banknta Rosa EXSR -2.94% 58 E10 is $17.39 as of Dec. 2025. GuruFocus rates EXSR with a GF Score™ of 58/100 and a GF Value™ of $115.67 (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 P/E calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.

Exchange Banknta Rosa's adjusted earnings per share data for the three months ended in Dec. 2025 was $5.110. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is $17.39 for the trailing ten years ended in Dec. 2025.

During the past 12 months, Exchange Banknta Rosa's average E10 Growth Rate was 8.40% per year. During the past 3 years, the average E10 Growth Rate was 22.20% per year. During the past 5 years, the average E10 Growth Rate was 29.70% 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 E10 growth rate using E10 data.

During the past 13 years, the highest 3-Year average E10 Growth Rate of Exchange Banknta Rosa was 39.30% per year. The lowest was -0.90% per year. And the median was 18.50% per year.

As of today (2026-06-24), Exchange Banknta Rosa's current stock price is $165.00. Exchange Banknta Rosa's E10 for the quarter that ended in Dec. 2025 was $17.39. Exchange Banknta Rosa's Shiller PE Ratio of today is 9.49.

During the past 13 years, the highest Shiller PE Ratio of Exchange Banknta Rosa was 33.63. The lowest was 5.60. And the median was 12.11.


Exchange Banknta Rosa  (OTCPK:EXSR) E10 Explanation

If a company grows much fast than inflation, E10 may underestimate the company's earnings power. Shiller PE Ratio can seem to be too high even the actual P/E is low.

For the Shiller P/E, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller P/E is also called PE10.

The Shiller P/E was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.

Exchange Banknta Rosa's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=165.00/17.39
=9.49

* 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 Shiller P/E Ratio of Exchange Banknta Rosa was 33.63. The lowest was 5.60. And the median was 12.11.


Be Aware

Shiller PE Ratio works better for cyclical companies. It gives you a better idea on the company's real earnings power.


Exchange Banknta Rosa E10 Related Terms


Exchange Banknta Rosa E10 Historical Data

* Premium members only.

The historical data trend for Exchange Banknta Rosa's E10 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 E10 Chart

Exchange Banknta Rosa Annual Data
Trend Dec12 Dec13 Dec14 Dec15 Dec16 Dec17 Dec18 Dec23 Dec24 Dec25
E10
Get a 7-Day Free Trial Premium Member Only Premium Member Only 5.93 9.54 15.02 16.04 17.39

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
E10 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 16.04 16.39 16.76 17.16 17.39

EXSR vs OVLY, FDBC, FFBB: E10 Comparison

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

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

* The bar in red indicates where Exchange Banknta Rosa's Shiller PE Ratio falls into.


EXSR
58GF Score
Exchange Bank Santa Rosa EXSR
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Exchange Banknta Rosa E10 Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. When we calculate the today's Shiller P/E ratio of a stock, we use today's price divided by E10.

What is E10? How do we calculate E10?

E10 is the average of the inflation adjusted earnings of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the E10 of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the earnings from 2001 through 2010.

We adjusted the earnings of 2001 earnings data with the total inflation from 2001 through 2010 to the equivalent earnings in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart earned $1 a share in 2001, then the 2001's equivalent earnings in 2010 is $1.4 a share. If Wal-Mart earns $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 earnings in 2010 is $1.35. So on and so forth, you get the equivalent earnings of past 10 years. Then you add them together and divided the sum by 10 to get E10.

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 earnings per share data for the three months ended in Dec. 2025 was:

Adj_EPS= Earnings per Share (Diluted) /CPI of Dec. 2025 (Change)*Current CPI (Dec. 2025)
=5.11/324.0540*324.0540
=5.110

Current CPI (Dec. 2025) = 324.0540.

Exchange Banknta Rosa Quarterly Data

per share eps CPI Adj_EPS
201303 1.680 232.773 2.339
201306 2.100 233.504 2.914
201309 2.450 234.149 3.391
201312 2.370 233.049 3.295
201403 2.290 236.293 3.141
201406 2.650 238.343 3.603
201409 2.660 238.031 3.621
201412 2.650 234.812 3.657
201503 2.990 236.119 4.104
201506 3.290 238.638 4.468
201509 3.000 237.945 4.086
201512 2.987 236.525 4.092
201603 3.040 238.132 4.137
201606 3.180 241.018 4.276
201609 3.150 241.428 4.228
201612 3.180 241.432 4.268
201703 3.870 243.801 5.144
201706 3.800 244.955 5.027
201709 3.880 246.819 5.094
201712 -0.170 246.524 -0.223
201803 6.470 249.554 8.402
201806 5.180 251.989 6.661
201809 5.560 252.439 7.137
201812 5.250 251.233 6.772
201909 5.460 256.759 6.891
202009 4.650 260.280 5.789
202109 5.740 274.310 6.781
202209 5.870 296.808 6.409
202303 5.380 301.836 5.776
202306 -1.250 305.109 -1.328
202309 3.720 307.789 3.917
202312 3.950 306.746 4.173
202403 2.840 312.332 2.947
202406 3.050 314.175 3.146
202409 2.880 315.301 2.960
202412 5.140 315.605 5.278
202503 3.270 319.799 3.314
202506 4.110 322.561 4.129
202509 4.990 324.800 4.979
202512 5.110 324.054 5.110

Add all the adjusted EPS together and divide 10 will get our e10.

Frequently Asked Questions Learn more about E10 →
What does a E10 of $17.39 mean?
Exchange Banknta Rosa (EXSR) has a E10 of $17.39 as of Dec. 2025. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Exchange Banknta Rosa and its competitors.
Is Exchange Banknta Rosa's E10 too high?
Exchange Banknta Rosa's current E10 is $17.39. 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 E10 compare to OVLY and FDBC?
Exchange Banknta Rosa's E10 of $17.39 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 E10 for a Banks company?
A good E10 depends on the Banks industry context. However, E10 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 E10 mean?
A high E10 can signal that a stock is expensive relative to its fundamentals. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Exchange Banknta Rosa and its competitors. Exchange Banknta Rosa's current E10 is $17.39. 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 $115.67, compared to a current price of $165.00 — trading 42.6% above its estimated fair value. The current E10 is $17.39. 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 E10 calculated?
E10 is calculated from a company's financial statements. For Exchange Banknta Rosa (EXSR), the current E10 is $17.39 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 $165.00 is trading 42.6% above its estimated GF Value™ of $115.67. GuruFocus considers Exchange Banknta Rosa to be Significantly Overvalued.

Key valuation signals for EXSR:

  • E10: $17.39
  • GF Value™: $115.67 vs. price of $165.00 (42.6% 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

E10 is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$165.00
Price
$115.67
GF Value