EXSR (Exchange Banknta Rosa) Moat Score: 2/10 (As of Jul. 03, 2026)


EXSR Exchange Bank Santa Rosa EXSR
58 GF Score
Price $158.28
GF Value $115.66
Valuation Significantly Overvalued
! 6 Warning Signs
View Full Analysis

What is Exchange Banknta Rosa Moat Score?

Exchange Banknta Rosa EXSR -5.53% 58 Moat Score is 2 as of Jul. 03, 2026. GuruFocus rates EXSR with a GF Score™ of 58/100 and a GF Value™ of $115.66 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,611 Banks companies, Exchange Banknta Rosa ranks better than 59.84% on this metric.

Exchange Banknta Rosa has the Moat Score of 2, which implies that the company might have No Moat - Very weak/transient advantages.

Exchange Banknta Rosa has No Moat: Exchange Bank Santa Rosa has a very weak moat with limited market leadership and no significant cost advantages or regulatory barriers. Its regional focus and lack of scale hinder its competitive position.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Exchange Banknta Rosa might have No Moat - Very weak/transient advantages.

Exchange Banknta Rosa  (OTCPK:EXSR) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Exchange Banknta Rosa Moat Score Related Terms

EXSR vs CCFN, WNEB, LRBI: Moat Score Comparison

For the Banks - Regional subindustry, Exchange Banknta Rosa's Moat Score, along with its competitors' market caps and Moat Score 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 Banknta Rosa Moat Score vs Banks Industry

For the Banks industry and Financial Services sector, Exchange Banknta Rosa's Moat Score distribution charts can be found below:

* The bar in red indicates where Exchange Banknta Rosa's Moat Score falls into.


EXSR
58GF Score
Exchange Bank Santa Rosa EXSR
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis
Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 2 mean?
Exchange Banknta Rosa (EXSR) has a Moat Score of 2 as of Jul. 03, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Exchange Banknta Rosa ranks #647 out of 1611 companies in the Banks industry, placing it in the top 40.2%.
Is Exchange Banknta Rosa's Moat Score too high?
Exchange Banknta Rosa's current Moat Score is 2. Based on the distribution chart, Exchange Banknta Rosa ranks #647 out of 1611 companies in the Banks industry, which is above the industry midpoint. Overall, Exchange Banknta Rosa has a GF Score™ of 58/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Exchange Banknta Rosa's Moat Score compare to CCFN and WNEB?
According to the Banks industry distribution chart, Exchange Banknta Rosa ranks #647 out of 1611 companies for Moat Score. This puts Exchange Banknta Rosa in the upper half of its industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score 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 Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Exchange Banknta Rosa's current Moat Score is 2. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Exchange Banknta Rosa stock overvalued right now?
Based on GuruFocus' analysis, Exchange Banknta Rosa (EXSR) is currently considered Significantly Overvalued. The stock's GF Value™ is $115.66, compared to a current price of $158.28 — trading 36.8% above its estimated fair value. The current Moat Score is 2. Exchange Banknta Rosa's overall GF Score™ is 58/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Exchange Banknta Rosa (EXSR), the current Moat Score is 2 as of Jul. 03, 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 Banknta Rosa (EXSR) Overvalued in 2026?

Based on GuruFocus' analysis, Exchange Banknta Rosa stock appears to be overvalued. The current stock price of $158.28 is trading 36.8% above its estimated GF Value™ of $115.66. GuruFocus considers Exchange Banknta Rosa to be Significantly Overvalued.

Key valuation signals for EXSR:

  • Moat Score: 2
  • GF Value™: $115.66 vs. price of $158.28 (36.8% above fair value)
  • GF Score™: 58/100 with 6 warning signs

No single metric tells the full story. See the EXSR stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Exchange Banknta Rosa Business Description

Address 545 4th Street, P.O. Box 403, Santa Rosa, CA, USA, 95401
Exchange Bank Santa Rosa together with its subsidiaries, provides community banking services to individuals and businesses. The bank is a full service community bank providing a range of commercial, retail banking, and trust and investment management services to individuals and businesses.
58GF Score

Get the complete analysis for EXSR

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

$158.28
Price
$115.66
GF Value