Exchange BancsharesEXCH 50 EV-to-FCF is 14.71 as of Jun. 26, 2026, which is 310% above its 10-year median of 3.59. 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. Among 1,195 Banks companies, Exchange Bancshares ranks worse than 75.9% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Exchange Bancshares's Enterprise Value is $62.87 Mil.
Exchange Bancshares's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was $4.27 Mil. Therefore, Exchange Bancshares's EV-to-FCF for today is 14.71.
The historical rank and industry rank for Exchange Bancshares's EV-to-FCF or its related term are showing as below:
EXCH'
s EV-to-FCF Range Over the Past 10 Years
Min: -2.08 Med: 3.59 Max: 15.08
Current: 14.71
During the past 10 years, the highest EV-to-FCF of Exchange Bancshares was 15.08. The lowest was -2.08. And the median was 3.59.
EXCH's EV-to-FCF is ranked worse than 75.9% of 1195
companies
in the Banks industry
Industry Median: 6.52
vs EXCH: 14.71
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Exchange Bancshares's PE Ratio (TTM) for today is calculated as:
Exchange Bancshares's share price for today is $67.70.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Exchange Bancshares's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was $8.440.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Exchange Bancshares EV-to-FCF Related Terms
Exchange Bancshares EV-to-FCF Historical Data
* Premium members only.
The historical data trend for Exchange Bancshares's EV-to-FCF 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.
For the Banks - Regional subindustry, Exchange Bancshares's EV-to-FCF, along with its competitors' market caps and EV-to-FCF 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 EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Exchange Bancshares's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Exchange Bancshares's EV-to-FCF falls into.
Exchange Bancshares's current Enterprise Value is $62.87 Mil.
For company reported semi-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 (EXCH) has a EV-to-FCF of 14.71 as of Jun. 26, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Exchange Bancshares and its competitors. This is 310% above median its historical median of 3.59. According to the industry distribution chart, Exchange Bancshares ranks #907 out of 1195 companies in the Banks industry, placing it in the top 75.9%.
Is Exchange Bancshares' EV-to-FCF too high?
Exchange Bancshares' current EV-to-FCF of 14.71 is 310% above median its 10-year median of 3.59. The Banks industry median EV-to-FCF is 6.52. Exchange Bancshares' value of 14.71 is 125.6% above this industry median. Based on the distribution chart, Exchange Bancshares ranks #907 out of 1195 companies in the Banks industry, which is in the bottom quartile relative to peers. 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' EV-to-FCF compare to LKSB and HCBC?
According to the Banks industry distribution chart, Exchange Bancshares ranks #907 out of 1195 companies for EV-to-FCF. This places Exchange Bancshares in the lower half of its industry. The industry median EV-to-FCF is 6.52. Exchange Bancshares' value of 14.71 is 125.6% above this benchmark. While the company's 10-year median is 3.59 vs. the industry median of 6.52, 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 EV-to-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 6.52, based on 1,195 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Exchange Bancshares's current EV-to-FCF of 14.71 is 125.6% 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 EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Exchange Bancshares and its competitors. For the Banks industry, the median EV-to-FCF is 6.52 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Exchange Bancshares's current EV-to-FCF is 14.71, which is 310% above median its own 10-year median of 3.59. 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 EV-to-FCF is 14.71, which is 310% above median its 10-year median of 3.59 and 125.6% above the Banks industry median of 6.52. 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 EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Exchange Bancshares (EXCH), the current EV-to-FCF is 14.71 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:
EV-to-FCF: 14.71 (310% above median its 10-year median of 3.59)
GF Value™: $59.63 vs. price of $67.70 (13.5% above fair value)
Industry Position: 125.6% above the Banks median (#907 of 1195)
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.
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