EXCH (Exchange Bancshares) YoY EPS Growth: 12.08% (As of Dec. 2025)

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EXCH Exchange Bancshares Inc EXCH
51 GF Score
Price $67.42
GF Value $60.71
Valuation Modestly Overvalued
! 3 Warning Signs
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What is Exchange Bancshares YoY EPS Growth?

Exchange Bancshares EXCH 51 YoY EPS Growth is 12.08% as of Dec. 2025. GuruFocus rates EXCH with a GF Score™ of 51/100 and a GF Value™ of $60.71 (Modestly Overvalued). The stock has 3 warning signs investors should review.

YoY EPS Growth is the percentage change of Earnings per Share (Diluted) over the past twelve months. Exchange Bancshares's YoY EPS Growth for the quarter that ended in Dec. 2025 was 12.08%.

Exchange Bancshares's Earnings per Share (Diluted) for the six months ended in Dec. 2025 was $8.44.

Exchange Bancshares YoY EPS Growth Historical Data

* Premium members only.

The historical data trend for Exchange Bancshares's YoY EPS Growth 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.

Exchange Bancshares YoY EPS Growth Chart

Exchange Bancshares Annual Data
Trend Dec01 Dec02 Dec03 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
YoY EPS Growth
Get a 7-Day Free Trial Premium Member Only Premium Member Only 8.49 2.85 18.17 10.25 12.08

Exchange Bancshares Semi-Annual Data
Dec01 Dec02 Dec03 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
YoY EPS Growth Get a 7-Day Free Trial Premium Member Only Premium Member Only 8.49 2.85 18.17 10.25 12.08
EXCH
51GF Score
Exchange Bancshares Inc EXCH
YoY EPS Growth is just one metric. See GF Score™, valuation, warning signs, and more.
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Exchange Bancshares YoY EPS Growth Calculation

YoY EPS Growth is the percentage change of Earnings per Share (Diluted) over the past twelve months.

Exchange Bancshares's YoY EPS Growth for the fiscal year that ended in Dec. 2025 is calculated as:

YoY EPS Growth (A: Dec. 2025 )
=(Earnings per Share (Diluted) (A: Dec. 2025 )-Earnings per Share (Diluted) (A: Dec. 2024 ))/ | Earnings per Share (Diluted) (A: Dec. 2024 ) |
=(8.44-7.53)/ | 7.53 |
=12.08 %

Exchange Bancshares's YoY EPS Growth for the quarter that ended in Dec. 2025 is calculated as:

YoY EPS Growth (Q: Dec. 2025 )
=(Earnings per Share (Diluted) (Q: Dec. 2025 )-Earnings per Share (Diluted) (Q: Dec. 2024 )) / | Earnings per Share (Diluted) (Q: Dec. 2024 ) |
=(8.44-7.53)/ | 7.53 |
=12.08 %

* 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.

Frequently Asked Questions Learn more about YoY EPS Growth →
What does a YoY EPS Growth of 12.08% mean?
Exchange Bancshares (EXCH) has a YoY EPS Growth of 12.08% as of Dec. 2025. YoY EPS Growth is the percentage change of EPS over the past 12-month. View historical data for Exchange Bancshares and its competitors.
Is Exchange Bancshares' YoY EPS Growth too high?
Exchange Bancshares' current YoY EPS Growth is 12.08%. Overall, Exchange Bancshares has a GF Score™ of 51/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Exchange Bancshares' YoY EPS Growth compare to QNTO and PCLB?
Exchange Bancshares' YoY EPS Growth of 12.08% 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 YoY EPS Growth for a Banks company?
A good YoY EPS Growth depends on the Banks industry context. However, YoY EPS Growth 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 YoY EPS Growth mean?
A high YoY EPS Growth can signal that a stock is expensive relative to its fundamentals. YoY EPS Growth is the percentage change of EPS over the past 12-month. View historical data for Exchange Bancshares and its competitors. Exchange Bancshares's current YoY EPS Growth is 12.08%. 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 $60.71, compared to a current price of $67.42 — trading 11.1% above its estimated fair value. The current YoY EPS Growth is 12.08%. Exchange Bancshares' overall GF Score™ is 51/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is YoY EPS Growth calculated?
YoY EPS Growth is calculated from a company's financial statements. For Exchange Bancshares (EXCH), the current YoY EPS Growth is 12.08% 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 $67.42 is trading 11.1% above its estimated GF Value™ of $60.71. GuruFocus considers Exchange Bancshares to be Modestly Overvalued.

Key valuation signals for EXCH:

  • YoY EPS Growth: 12.08%
  • GF Value™: $60.71 vs. price of $67.42 (11.1% above fair value)
  • GF Score™: 51/100 with 3 warning signs

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 Business Description

Address 250 W. Hancock Street, P.O. Box 580, Milledgeville, GA, USA, 31061-0580
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.
51GF Score

Get the complete analysis for EXCH

YoY EPS Growth is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$67.42
Price
$60.71
GF Value