Exchange BancsharesEXCH 50 Net Margin % is 27.07% as of Dec. 2025, which is 8% above its 10-year median of 25.05. 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 1,527 Banks companies, Exchange Bancshares ranks better than 50.95% on this metric.
The historical rank and industry rank for Exchange Bancshares's Net Margin % or its related term are showing as below:
EXCH'
s Net Margin % Range Over the Past 10 Years
Min: -22.11 Med: 25.05 Max: 28.04
Current: 27.08
EXCH's Net Margin % is ranked better than 50.95% of 1527
companies
in the Banks industry
Industry Median: 26.95
vs EXCH: 27.08
Exchange Bancshares (OTCPK:EXCH) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Exchange Bancshares Net Margin % Related Terms
Exchange Bancshares Net Margin % Historical Data
* Premium members only.
The historical data trend for Exchange Bancshares's Net 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 Net Margin %, along with its competitors' market caps and Net 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 Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Exchange Bancshares's Net Margin % distribution charts can be found below:
* The bar in red indicates where Exchange Bancshares's Net 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 Net Margin % of 27.07% as of Dec. 2025. Net margin is the ratio of total net income to net sales. View historical data on Exchange Bancshares and its competitors. This is near median its historical median of 25.05. According to the industry distribution chart, Exchange Bancshares ranks #749 out of 1527 companies in the Banks industry, placing it in the top 49.1%.
Is Exchange Bancshares' Net Margin % too high?
Exchange Bancshares' current Net Margin % of 27.07% is near median its 10-year median of 25.05. The Banks industry median Net Margin % is 26.95. Exchange Bancshares' value of 27.07% is 0.4% above this industry median. Based on the distribution chart, Exchange Bancshares ranks #749 out of 1527 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' Net Margin % compare to LKSB and HCBC?
According to the Banks industry distribution chart, Exchange Bancshares ranks #749 out of 1527 companies for Net Margin %. This puts Exchange Bancshares in the upper half of its industry. The industry median Net Margin % is 26.95. Exchange Bancshares' value of 27.07% is 0.4% above this benchmark. While the company's 10-year median is 25.05 vs. the industry median of 26.95, 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 Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 26.95, based on 1,527 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Exchange Bancshares's current Net Margin % of 27.07% is 0.4% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Exchange Bancshares and its competitors. For the Banks industry, the median Net Margin % is 26.95 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Exchange Bancshares's current Net Margin % is 27.07%, which is near median its own 10-year median of 25.05. 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 Net Margin % is 27.07%, which is near median its 10-year median of 25.05 and 0.4% above the Banks industry median of 26.95. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Exchange Bancshares (EXCH), the current Net Margin % is 27.07% 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:
Net Margin %: 27.07% (near median its 10-year median of 25.05)
GF Value™: $59.63 vs. price of $67.70 (13.5% above fair value)
Industry Position: 0.4% above the Banks median (#749 of 1527)
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
Get the complete analysis for EXCH
Net Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
EXCH has been successfully added to your 
