Think of Enterprise Value as the theoretical takeover price. It is more comprehensive than market capitalization (Market Cap), which only includes common equity. Enterprise Value is calculated as the market cap plus debt and minority interest and preferred shares, minus total cash, cash equivalents, and marketable securities.
EV-to-EBIT is calculated as Enterprise Value divided by its EBIT. This ratio does not apply to banks.
EV-to-EBITDA is calculated as Enterprise Value divided by its EBITDA. This ratio does not apply to banks.
EV-to-Revenue is calculated as Enterprise Value divided by its Revenue. As of today, Exchange Bancshares's Enterprise Value is $62.87 Mil.
Exchange Bancshares's Revenue for the trailing twelve months (TTM) ended in Dec. 2025 was $18.47 Mil. Therefore, Exchange Bancshares's EV-to-Revenue ratio for today is 3.40.
*** Please note that the current Enterprise Value is calculated using the current market capitalization and the most recently available financial data. If key financial fields—Long-Term Debt & Capital Lease Obligation and Short-Term Debt & Capital Lease Obligation—are recorded as null in the latest reporting period, our data vendor will default to using data from the prior period with valid entries.
Exchange Bancshares (OTCPK:EXCH) Enterprise Value Explanation
When an investor buy a company, the investor needs to pay not only the common shares, he/she also needs to pay the shareholders of Preferred Stocks. He also assumes the debt of the company, and receives the cash on the company's balance sheet.
If a company has more cash than debt, the investor actually pays less than the Market Cap because he immediately owns the cash once the transaction goes through.
The market value of Preferred Stock needs to be added to the market value of common stocks in the calculation of Enterprise Value.
For the companies with the same Market Cap, the smaller the Enterprise Value is, the cheaper the company is.
Enterprise Value can be negative when the company's net cash is more than its Market Cap. In this case the investor is basically getting the company for free and get paid for that.
Exchange Bancshares's current Enterprise Value is $62.87 Mil.
For company reported semi-annually or annually, GuruFocus uses latest annual data as the TTM data. Exchange Bancshares's Revenue for the trailing twelve months (TTM) ended in Dec. 2025 was $18.47 Mil.
Exchange Bancshares's current Enterprise Value is $62.87 Mil.
For company reported semi-annually or annually, GuruFocus uses latest annual data as the TTM data. Exchange Bancshares's Cash Flow from Operations for the trailing twelve months (TTM) ended in Dec. 2025 was $8.17 Mil.
Exchange Bancshares's current Enterprise Value is $62.87 Mil.
For company reported semi-annually or annually, GuruFocus uses latest annual data as the TTM data. Exchange Bancshares's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was $4.27 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.
Exchange Bancshares Enterprise Value Related Terms
Exchange Bancshares Enterprise Value Historical Data
* Premium members only.
The historical data trend for Exchange Bancshares's Enterprise Value 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.
EXCH vs LKSB, HCBC, KFFB: Enterprise Value Comparison
For the Banks - Regional subindustry, Exchange Bancshares's Enterprise Value, along with its competitors' market caps and Enterprise Value 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 Enterprise Value vs Banks Industry
For the Banks industry and Financial Services sector, Exchange Bancshares's Enterprise Value distribution charts can be found below:
* The bar in red indicates where Exchange Bancshares's Enterprise Value falls into.
Enterprise Value is calculated as the market cap plus debt and minority interest and preferred shares, minus total cash, cash equivalents, and marketable securities.
Exchange Bancshares's Enterprise Value for the fiscal year that ended in Dec. 2025 is calculated as
* 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 (EXCH) has a Enterprise Value of $62.87 Mil as of Jun. 26, 2026. Enterprise value equals the sum of market cap, debt and preferred shares less cash and equivalents. View historical data on Exchange Bancshares and its competitors.
Is Exchange Bancshares' Enterprise Value too high?
Exchange Bancshares' current Enterprise Value is $62.87 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' Enterprise Value compare to LKSB and HCBC?
Exchange Bancshares' Enterprise Value of $62.87 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 Enterprise Value for a Banks company?
A good Enterprise Value depends on the Banks industry context. However, Enterprise Value 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 Enterprise Value mean?
A high Enterprise Value can signal that a stock is expensive relative to its fundamentals. Enterprise value equals the sum of market cap, debt and preferred shares less cash and equivalents. View historical data on Exchange Bancshares and its competitors. Exchange Bancshares's current Enterprise Value is $62.87 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 Enterprise Value is $62.87 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 Enterprise Value calculated?
Enterprise Value is calculated from a company's financial statements. For Exchange Bancshares (EXCH), the current Enterprise Value is $62.87 Mil as of Jun. 26, 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 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:
Enterprise Value: $62.87 Mil
GF Value™: $59.63 vs. price of $67.70 (13.5% above fair value)
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.
50GF Score
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