Exchange BancsharesEXCH 50 FCF Margin % is 23.14% as of Dec. 2025, which is 6% below its 10-year median of 24.54. 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 1,505 Banks companies, Exchange Bancshares ranks worse than 54.68% on this metric.
The historical rank and industry rank for Exchange Bancshares's FCF Margin % or its related term are showing as below:
EXCH'
s FCF Margin % Range Over the Past 10 Years
Min: 6.43 Med: 24.54 Max: 40.87
Current: 23.14
During the past 10 years, the highest FCF Margin % of Exchange Bancshares was 40.87%. The lowest was 6.43%. And the median was 24.54%.
EXCH's FCF Margin % is ranked worse than 54.68% of 1505
companies
in the Banks industry
Industry Median: 26.55
vs EXCH: 23.14
Exchange Bancshares FCF Margin % Related Terms
Exchange Bancshares FCF Margin % Historical Data
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The historical data trend for Exchange Bancshares's FCF Margin % 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 FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Exchange Bancshares's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Exchange Bancshares's FCF Margin % falls into.
* 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 FCF Margin % of 23.14% as of Dec. 2025. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Exchange Bancshares and its competitors. This is near median its historical median of 24.54. Over the past decade, Exchange Bancshares' FCF Margin % has ranged from 6.43 to 40.87. According to the industry distribution chart, Exchange Bancshares ranks #823 out of 1505 companies in the Banks industry, placing it in the top 54.7%.
Is Exchange Bancshares' FCF Margin % too high?
Exchange Bancshares' current FCF Margin % of 23.14% is near median its 10-year median of 24.54. Over the past 10 years, this metric has ranged from a low of 6.43 to a high of 40.87. The Banks industry median FCF Margin % is 26.55. Exchange Bancshares' value of 23.14% is 12.8% below this industry median. Based on the distribution chart, Exchange Bancshares ranks #823 out of 1505 companies in the Banks industry, which is below 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' FCF Margin % compare to LKSB and HCBC?
According to the Banks industry distribution chart, Exchange Bancshares ranks #823 out of 1505 companies for FCF Margin %. This places Exchange Bancshares in the lower half of its industry. The industry median FCF Margin % is 26.55. Exchange Bancshares' value of 23.14% is 12.8% below this benchmark. Historically, Exchange Bancshares' own FCF Margin % has ranged from 6.43 to 40.87 over the past decade. While the company's 10-year median is 24.54 vs. the industry median of 26.55, Exchange Bancshares has consistently been below 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 FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.55, based on 1,505 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Exchange Bancshares's current FCF Margin % of 23.14% is 12.8% below 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Exchange Bancshares and its competitors. For the Banks industry, the median FCF Margin % is 26.55 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Exchange Bancshares's current FCF Margin % is 23.14%, which is near median its own 10-year median of 24.54. 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 FCF Margin % is 23.14%, which is near median its 10-year median of 24.54 and 12.8% below the Banks industry median of 26.55. 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 FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Exchange Bancshares (EXCH), the current FCF Margin % is 23.14% 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 13.5% above its estimated GF Value™ of $59.63.
GuruFocus considers Exchange Bancshares to be Modestly Overvalued.
Key valuation signals for EXCH:
FCF Margin %: 23.14% (near median its 10-year median of 24.54)
GF Value™: $59.63 vs. price of $67.70 (13.5% above fair value)
Industry Position: 12.8% below the Banks median (#823 of 1505)
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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