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Exchange BancsharesEXCH 51 3-Year EPS without NRI Growth Rate is 13.50% as of Dec. 2025, which is 14% above its 10-year median of 11.85. GuruFocus rates EXCH with a GF Score™ of 51/100 and a GF Value™ of $60.84 (Modestly Overvalued). The stock has 3 warning signs investors should review. Among 1,402 Banks companies, Exchange Bancshares ranks better than 64.34% on this metric.
During the past 12 months, Exchange Bancshares's average EPS without NRI Growth Rate was 12.10% per year.
During the past 3 years, the average EPS without NRI Growth Rate was 13.50% per year.
During the past 5 years, the average EPS without NRI Growth Rate was 10.50% 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 average EPS without NRI growth rate.
During the past 10 years, the highest 3-Year average EPS without NRI Growth Rate of Exchange Bancshares was 84.00% per year. The lowest was 4.10% per year. And the median was 11.85% per year.
Exchange Bancshares (OTCPK:EXCH) 3-Year EPS without NRI Growth Rate Explanation
EPS without NRI is the amount of earnings without non-recurring items per outstanding share of the company's stock.
Earnings Per Share (EPS) is the single most important variable used by Wall Street in determining the earnings power of a company. But investors need to be aware that Earnings per Share can be easily manipulated by adjusting depreciation and amortization rate or non-recurring items. That's why GuruFocus lists Earnings per share without Non-Recurring Items, which better reflects the company's underlying performance.
Exchange Bancshares 3-Year EPS without NRI Growth Rate Related Terms
EXCH vs QNTO, PCLB, GNRV: 3-Year EPS without NRI Growth Rate Comparison
For the Banks - Regional subindustry, Exchange Bancshares's 3-Year EPS without NRI Growth Rate, along with its competitors' market caps and 3-Year EPS without NRI Growth Rate 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 3-Year EPS without NRI Growth Rate vs Banks Industry
For the Banks industry and Financial Services sector, Exchange Bancshares's 3-Year EPS without NRI Growth Rate distribution charts can be found below:
* The bar in red indicates where Exchange Bancshares's 3-Year EPS without NRI Growth Rate falls into.
Exchange Bancshares 3-Year EPS without NRI Growth Rate Calculation
This is the 3-year average growth rate of EPS without NRI. The growth rate is calculated using exponential compounding based on the latest four year annual data.
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 average EPS without NRI growth rate.
What does a 3-Year EPS without NRI Growth Rate of 13.50% mean?
Exchange Bancshares (EXCH) has a 3-Year EPS without NRI Growth Rate of 13.50% as of Dec. 2025. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for Exchange Bancshares and its competitors. This is 14% above median its historical median of 11.85. Over the past decade, Exchange Bancshares' 3-Year EPS without NRI Growth Rate has ranged from 4.10 to 84.00. According to the industry distribution chart, Exchange Bancshares ranks #500 out of 1402 companies in the Banks industry, placing it in the top 35.7%.
Is Exchange Bancshares' 3-Year EPS without NRI Growth Rate too high?
Exchange Bancshares' current 3-Year EPS without NRI Growth Rate of 13.50% is 14% above median its 10-year median of 11.85. Over the past 10 years, this metric has ranged from a low of 4.10 to a high of 84.00. The Banks industry median 3-Year EPS without NRI Growth Rate is 7.60. Exchange Bancshares' value of 13.50% is 77.6% above this industry median. Based on the distribution chart, Exchange Bancshares ranks #500 out of 1402 companies in the Banks industry, which is above the industry midpoint. Overall, Exchange Bancshares has a GF Score™ of 51/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Exchange Bancshares' 3-Year EPS without NRI Growth Rate compare to QNTO and PCLB?
According to the Banks industry distribution chart, Exchange Bancshares ranks #500 out of 1402 companies for 3-Year EPS without NRI Growth Rate. This puts Exchange Bancshares in the upper half of its industry. The industry median 3-Year EPS without NRI Growth Rate is 7.60. Exchange Bancshares' value of 13.50% is 77.6% above this benchmark. Historically, Exchange Bancshares' own 3-Year EPS without NRI Growth Rate has ranged from 4.10 to 84.00 over the past decade. While the company's 10-year median is 11.85 vs. the industry median of 7.60, Exchange Bancshares has consistently been above 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 3-Year EPS without NRI Growth Rate for a Banks company?
The median 3-Year EPS without NRI Growth Rate among Banks companies is 7.60, based on 1,402 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year EPS without NRI Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year EPS without NRI Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Exchange Bancshares's current 3-Year EPS without NRI Growth Rate of 13.50% is 77.6% above 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 3-Year EPS without NRI Growth Rate mean?
A high 3-Year EPS without NRI Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for Exchange Bancshares and its competitors. For the Banks industry, the median 3-Year EPS without NRI Growth Rate is 7.60 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Exchange Bancshares's current 3-Year EPS without NRI Growth Rate is 13.50%, which is 14% above median its own 10-year median of 11.85. 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 $60.84, compared to a current price of $67.42 — trading 10.8% above its estimated fair value. The current 3-Year EPS without NRI Growth Rate is 13.50%, which is 14% above median its 10-year median of 11.85 and 77.6% above the Banks industry median of 7.60. 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 3-Year EPS without NRI Growth Rate calculated?
3-Year EPS without NRI Growth Rate is calculated from a company's financial statements. For Exchange Bancshares (EXCH), the current 3-Year EPS without NRI Growth Rate is 13.50% 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 $67.42 is trading 10.8% above its estimated GF Value™ of $60.84.
GuruFocus considers Exchange Bancshares to be Modestly Overvalued.
Key valuation signals for EXCH:
3-Year EPS without NRI Growth Rate: 13.50% (14% above median its 10-year median of 11.85)
GF Value™: $60.84 vs. price of $67.42 (10.8% above fair value)
Industry Position: 77.6% above the Banks median (#500 of 1402)
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 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
3-Year EPS without NRI Growth Rate is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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