Exchange BancsharesEXCH 50 OCF Margin % is 44.23% as of Dec. 2025, which is 40% above its 10-year median of 31.56. 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 1,501 Banks companies, Exchange Bancshares ranks better than 69.49% on this metric.
The historical rank and industry rank for Exchange Bancshares's OCF Margin % or its related term are showing as below:
EXCH'
s OCF Margin % Range Over the Past 10 Years
Min: 10.5 Med: 31.56 Max: 44.23
Current: 44.23
During the past 10 years, the highest OCF Margin % of Exchange Bancshares was 44.23%. The lowest was 10.50%. And the median was 31.56%.
EXCH's OCF Margin % is ranked better than 69.49% of 1501
companies
in the Banks industry
Industry Median: 29.44
vs EXCH: 44.23
Exchange Bancshares OCF Margin % Related Terms
Exchange Bancshares OCF Margin % Historical Data
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The historical data trend for Exchange Bancshares's OCF 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 OCF Margin %, along with its competitors' market caps and OCF 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 OCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Exchange Bancshares's OCF Margin % distribution charts can be found below:
* The bar in red indicates where Exchange Bancshares's OCF 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 OCF Margin % of 44.23% as of Dec. 2025. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Exchange Bancshares and its competitors. This is 40% above median its historical median of 31.56. Over the past decade, Exchange Bancshares' OCF Margin % has ranged from 10.50 to 44.23. According to the industry distribution chart, Exchange Bancshares ranks #458 out of 1501 companies in the Banks industry, placing it in the top 30.5%.
Is Exchange Bancshares' OCF Margin % too high?
Exchange Bancshares' current OCF Margin % of 44.23% is 40% above median its 10-year median of 31.56. Over the past 10 years, this metric has ranged from a low of 10.50 to a high of 44.23. The Banks industry median OCF Margin % is 29.44. Exchange Bancshares' value of 44.23% is 50.2% above this industry median. Based on the distribution chart, Exchange Bancshares ranks #458 out of 1501 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' OCF Margin % compare to LKSB and HCBC?
According to the Banks industry distribution chart, Exchange Bancshares ranks #458 out of 1501 companies for OCF Margin %. This puts Exchange Bancshares in the upper half of its industry. The industry median OCF Margin % is 29.44. Exchange Bancshares' value of 44.23% is 50.2% above this benchmark. Historically, Exchange Bancshares' own OCF Margin % has ranged from 10.50 to 44.23 over the past decade. While the company's 10-year median is 31.56 vs. the industry median of 29.44, 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 OCF Margin % for a Banks company?
The median OCF Margin % among Banks companies is 29.44, based on 1,501 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Exchange Bancshares's current OCF Margin % of 44.23% is 50.2% 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 OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Exchange Bancshares and its competitors. For the Banks industry, the median OCF Margin % is 29.44 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Exchange Bancshares's current OCF Margin % is 44.23%, which is 40% above median its own 10-year median of 31.56. 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 OCF Margin % is 44.23%, which is 40% above median its 10-year median of 31.56 and 50.2% above the Banks industry median of 29.44. 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 OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For Exchange Bancshares (EXCH), the current OCF Margin % is 44.23% 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:
OCF Margin %: 44.23% (40% above median its 10-year median of 31.56)
GF Value™: $59.63 vs. price of $67.70 (13.5% above fair value)
Industry Position: 50.2% above the Banks median (#458 of 1501)
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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