Exchange Bancshares's earnings per share without non-recurring items for the
six
months ended in Dec. 2025 was $8.44.
Its earnings per share without non-recurring items for the trailing twelve months (TTM) ended in Dec. 2025 was $8.44.
During the past 12 months, Exchange Bancshares's average earnings per share (NRI) Growth Rate was 12.10% per year.
During the past 3 years, the average earnings per share (NRI) Growth Rate was 13.50% per year.
During the past 5 years, the average earnings per share (NRI) Growth Rate was 10.50% per year.
During the past 10 years, the average earnings per share (NRI) Growth Rate was 0.00% 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 EPS without NRI Growth Rate using Earnings per share without Non-Recurring Items (NRI) data.
The historical rank and industry rank for Exchange Bancshares's EPS without NRI or its related term are showing as below:
EXCH'
s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: 4.1 Med: 11.85 Max: 84
Current: 13.5
During the past 10 years, Exchange Bancshares's highest 3-Year average Earnings Per Share (NRI) Growth Rate was 84.00% per year. The lowest was 4.10% per year. And the median was 11.85% per year.
EXCH's 3-Year EPS without NRI Growth Rate is ranked better than 65.23% of 1412
companies
in the Banks industry
Industry Median: 7.3
vs EXCH: 13.50
Exchange Bancshares's EPS (Basic) for the
six
months ended in Dec. 2025 was $8.44.
Its EPS (Basic) for the trailing twelve months (TTM) ended in Dec. 2025 was $8.44.
Exchange Bancshares (OTCPK:EXCH) EPS without NRI Explanation
EPS without NRI removes onetime and unusual items from EPS, to provide investors with a more accurate measure of the company’s true earnings. The earnings are adjusted for items that are irregular or unusual in nature, and/or are non-recurring. This is calculated using Net Income (Continuing Operations) plus/minus any tax affected unusual Items and Goodwill Impairments/Write Offs. This can be used to fairly measure a company's profitability.
Be Aware
Compared with Earnings per share, a company's cash flow is better indicator of the company's earnings power.
If a company's earnings per share is less than cash flow per share over long term, investors need to be cautious and find out why.
Exchange Bancshares EPS without NRI Related Terms
Exchange Bancshares EPS without NRI Historical Data
* Premium members only.
The historical data trend for Exchange Bancshares's EPS without NRI 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 FMFP, ANDC, KFFB: EPS without NRI Comparison
For the Banks - Regional subindustry, Exchange Bancshares's PE Ratio without NRI, along with its competitors' market caps and PE Ratio without NRI 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 PE Ratio without NRI vs Banks Industry
For the Banks industry and Financial Services sector, Exchange Bancshares's PE Ratio without NRI distribution charts can be found below:
* The bar in red indicates where Exchange Bancshares's PE Ratio without NRI falls into.
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 EPS without NRI, which better reflects the company's underlying performance.
Earnings Per Share without Non-Recurring Items is the amount of earnings without non-recurring items per outstanding share of the company's stock.
For stock reported annually, GuruFocus uses latest annual data as the TTM data. EPS without NRI for the trailing twelve months (TTM) ended in Dec. 2025 was $8.44
* 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 EPS without NRI of $8.44 as of Dec. 2025. EPS without NRI represents per-share earnings excluding one-time charges. View historical data on Exchange Bancshares and its competitors. According to the industry distribution chart, Exchange Bancshares ranks #491 out of 1412 companies in the Banks industry, placing it in the top 34.8%.
Is Exchange Bancshares' EPS without NRI too high?
Exchange Bancshares' current EPS without NRI is $8.44. The Banks industry median EPS without NRI is 7.30. Exchange Bancshares' value of $8.44 is 15.6% above this industry median. Based on the distribution chart, Exchange Bancshares ranks #491 out of 1412 companies in the Banks industry, which is above the industry midpoint. 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' EPS without NRI compare to FMFP and ANDC?
According to the Banks industry distribution chart, Exchange Bancshares ranks #491 out of 1412 companies for EPS without NRI. This puts Exchange Bancshares in the upper half of its industry. The industry median EPS without NRI is 7.30. Exchange Bancshares' value of $8.44 is 15.6% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EPS without NRI for a Banks company?
The median EPS without NRI among Banks companies is 7.30, based on 1,412 companies in the industry. Companies in the top quartile (top 25%) have a EPS without NRI significantly above this median, while those in the bottom quartile fall well below. However, EPS without NRI should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Exchange Bancshares's current EPS without NRI of $8.44 is 15.6% 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 EPS without NRI mean?
A high EPS without NRI can signal that a stock is expensive relative to its fundamentals. EPS without NRI represents per-share earnings excluding one-time charges. View historical data on Exchange Bancshares and its competitors. For the Banks industry, the median EPS without NRI is 7.30 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Exchange Bancshares's current EPS without NRI is $8.44. 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 $59.70, compared to a current price of $67.70 — trading 13.4% above its estimated fair value. The current EPS without NRI is $8.44 and 15.6% above the Banks industry median of 7.30. 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 EPS without NRI calculated?
EPS without NRI is calculated from a company's financial statements. For Exchange Bancshares (EXCH), the current EPS without NRI is $8.44 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 13.4% above its estimated GF Value™ of $59.70.
GuruFocus considers Exchange Bancshares to be Modestly Overvalued.
Key valuation signals for EXCH:
EPS without NRI: $8.44
GF Value™: $59.70 vs. price of $67.70 (13.4% above fair value)
Industry Position: 15.6% above the Banks median (#491 of 1412)
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
Get the complete analysis for EXCH
EPS without NRI is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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