Exchange BancsharesEXCH 50 FCF Yield % is 10.73 as of Jun. 26, 2026, which is 32% below its 10-year median of 15.68. 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 better than 61.46% on this metric.
FCF Yield % is calculated as Free Cash Flow divided by Market Capitalization. It is a financial solvency ratio that compares the free cash flow a company is expected to earn against its market value.
Similar to Earnings Yield %, FCF Yield % is financial solvency ratio. A lower ratio suggests a less attractive investment, indicating that investors might not receive substantial returns in proportion to their investment. Conversely, a high free cash flow yield signals that a company generates sufficient cash to comfortably meet its debts, obligations, and dividend payments, making it a promising investment choice.
Exchange Bancshares FCF Yield % Related Terms
Exchange Bancshares FCF Yield % Historical Data
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The historical data trend for Exchange Bancshares's FCF Yield % 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 Yield %, along with its competitors' market caps and FCF Yield % 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 Yield % vs Banks Industry
For the Banks industry and Financial Services sector, Exchange Bancshares's FCF Yield % distribution charts can be found below:
* The bar in red indicates where Exchange Bancshares's FCF Yield % 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 Yield % of 10.73 as of Jun. 26, 2026. FCF Yield is calculated as Free Cash Flow divided by Market Capitalization. View historical data on Exchange Bancshares and its competitors. This is 32% below median its historical median of 15.68. Over the past decade, Exchange Bancshares' FCF Yield % has ranged from 4.33 to 25.41. According to the industry distribution chart, Exchange Bancshares ranks #580 out of 1505 companies in the Banks industry, placing it in the top 38.5%.
Is Exchange Bancshares' FCF Yield % too high?
Exchange Bancshares' current FCF Yield % of 10.73 is 32% below median its 10-year median of 15.68. Over the past 10 years, this metric has ranged from a low of 4.33 to a high of 25.41. The Banks industry median FCF Yield % is 8.20. Exchange Bancshares' value of 10.73 is 30.9% above this industry median. Based on the distribution chart, Exchange Bancshares ranks #580 out of 1505 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' FCF Yield % compare to LKSB and HCBC?
According to the Banks industry distribution chart, Exchange Bancshares ranks #580 out of 1505 companies for FCF Yield %. This puts Exchange Bancshares in the upper half of its industry. The industry median FCF Yield % is 8.20. Exchange Bancshares' value of 10.73 is 30.9% above this benchmark. Historically, Exchange Bancshares' own FCF Yield % has ranged from 4.33 to 25.41 over the past decade. While the company's 10-year median is 15.68 vs. the industry median of 8.20, 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 FCF Yield % for a Banks company?
The median FCF Yield % among Banks companies is 8.20, based on 1,505 companies in the industry. Companies in the top quartile (top 25%) have a FCF Yield % significantly above this median, while those in the bottom quartile fall well below. However, FCF Yield % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Exchange Bancshares's current FCF Yield % of 10.73 is 30.9% 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 FCF Yield % mean?
A high FCF Yield % can signal that a stock is expensive relative to its fundamentals. FCF Yield is calculated as Free Cash Flow divided by Market Capitalization. View historical data on Exchange Bancshares and its competitors. For the Banks industry, the median FCF Yield % is 8.20 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Exchange Bancshares's current FCF Yield % is 10.73, which is 32% below median its own 10-year median of 15.68. 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 Yield % is 10.73, which is 32% below median its 10-year median of 15.68 and 30.9% above the Banks industry median of 8.20. 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 Yield % calculated?
FCF Yield % is calculated from a company's financial statements. For Exchange Bancshares (EXCH), the current FCF Yield % is 10.73 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:
FCF Yield %: 10.73 (32% below median its 10-year median of 15.68)
GF Value™: $59.63 vs. price of $67.70 (13.5% above fair value)
Industry Position: 30.9% above the Banks median (#580 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.
50GF Score
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