Exchange Banknta RosaEXSR -2.94%58 Net Margin % is 28.83% as of Dec. 2025, which is 32% above its 10-year median of 21.83. GuruFocus rates EXSR with a GF Score™ of 58/100 and a GF Value™ of $115.67 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,527 Banks companies, Exchange Banknta Rosa ranks worse than 53.9% on this metric.
The historical rank and industry rank for Exchange Banknta Rosa's Net Margin % or its related term are showing as below:
EXSR'
s Net Margin % Range Over the Past 10 Years
Min: 14.52 Med: 21.83 Max: 32.34
Current: 25.51
EXSR's Net Margin % is ranked worse than 53.9% of 1527
companies
in the Banks industry
Industry Median: 26.95
vs EXSR: 25.51
Exchange Banknta Rosa (OTCPK:EXSR) 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 Banknta Rosa Net Margin % Related Terms
Exchange Banknta Rosa Net Margin % Historical Data
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The historical data trend for Exchange Banknta Rosa'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 Banknta Rosa'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 Banknta Rosa Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Exchange Banknta Rosa's Net Margin % distribution charts can be found below:
* The bar in red indicates where Exchange Banknta Rosa'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 Banknta Rosa (EXSR) has a Net Margin % of 28.83% as of Dec. 2025. Net margin is the ratio of total net income to net sales. View historical data on Exchange Banknta Rosa and its competitors. This is 32% above median its historical median of 21.83. Over the past decade, Exchange Banknta Rosa's Net Margin % has ranged from 14.52 to 32.34. According to the industry distribution chart, Exchange Banknta Rosa ranks #823 out of 1527 companies in the Banks industry, placing it in the top 53.9%.
Is Exchange Banknta Rosa's Net Margin % too high?
Exchange Banknta Rosa's current Net Margin % of 28.83% is 32% above median its 10-year median of 21.83. Over the past 10 years, this metric has ranged from a low of 14.52 to a high of 32.34. The Banks industry median Net Margin % is 26.95. Exchange Banknta Rosa's value of 28.83% is 7% above this industry median. Based on the distribution chart, Exchange Banknta Rosa ranks #823 out of 1527 companies in the Banks industry, which is below 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 Net Margin % compare to OVLY and FDBC?
According to the Banks industry distribution chart, Exchange Banknta Rosa ranks #823 out of 1527 companies for Net Margin %. This places Exchange Banknta Rosa in the lower half of its industry. The industry median Net Margin % is 26.95. Exchange Banknta Rosa's value of 28.83% is 7% above this benchmark. Historically, Exchange Banknta Rosa's own Net Margin % has ranged from 14.52 to 32.34 over the past decade. While the company's 10-year median is 21.83 vs. the industry median of 26.95, Exchange Banknta Rosa 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 Banknta Rosa's current Net Margin % of 28.83% is 7% 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 Banknta Rosa 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 Banknta Rosa's current Net Margin % is 28.83%, which is 32% above median its own 10-year median of 21.83. 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 $115.67, compared to a current price of $165.00 — trading 42.6% above its estimated fair value. The current Net Margin % is 28.83%, which is 32% above median its 10-year median of 21.83 and 7% above the Banks industry median of 26.95. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Exchange Banknta Rosa (EXSR), the current Net Margin % is 28.83% 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 Banknta Rosa (EXSR) Overvalued in 2026?
Based on GuruFocus' analysis, Exchange Banknta Rosa stock appears to be overvalued.
The current stock price of $165.00 is trading 42.6% above its estimated GF Value™ of $115.67.
GuruFocus considers Exchange Banknta Rosa to be Significantly Overvalued.
Key valuation signals for EXSR:
Net Margin %: 28.83% (32% above median its 10-year median of 21.83)
GF Value™: $115.67 vs. price of $165.00 (42.6% above fair value)
Industry Position: 7% above the Banks median (#823 of 1527)
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 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
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Net Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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