Exchange BancsharesEXCH 50 OCF Yield % is 20.50 as of Jun. 26, 2026, which is 18% above its 10-year median of 17.33. 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 1,502 Banks companies, Exchange Bancshares ranks better than 74.9% on this metric.
OCF Yield % is calculated as Cash Flow from Operations divided by Market Capitalization. It is a financial solvency ratio that compares the operating cash flow a company is expected to earn against its market value.
Similar to Earnings Yield %, OCF Yield % is financial solvency ratio. A lower ratio suggests a less attractive investment, indicating that investors might not receive substantial returns in proportion to their investment. Conversely, a high operating cash flow yield signals that a company generates sufficient cash to comfortably meet its debts, obligations, and dividend payments, making it a promising investment choice.
Exchange Bancshares OCF Yield % Related Terms
Exchange Bancshares OCF Yield % Historical Data
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The historical data trend for Exchange Bancshares's OCF Yield % 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 Yield %, along with its competitors' market caps and OCF Yield % 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 Yield % vs Banks Industry
For the Banks industry and Financial Services sector, Exchange Bancshares's OCF Yield % distribution charts can be found below:
* The bar in red indicates where Exchange Bancshares's OCF Yield % 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 Yield % of 20.50 as of Jun. 26, 2026. OCF Yield is calculated as Cash Flow from Operations divided by Market Capitalization. View historical data on Exchange Bancshares and its competitors. This is 18% above median its historical median of 17.33. Over the past decade, Exchange Bancshares' OCF Yield % has ranged from 5.63 to 27.73. According to the industry distribution chart, Exchange Bancshares ranks #377 out of 1502 companies in the Banks industry, placing it in the top 25.1%.
Is Exchange Bancshares' OCF Yield % too high?
Exchange Bancshares' current OCF Yield % of 20.50 is 18% above median its 10-year median of 17.33. Over the past 10 years, this metric has ranged from a low of 5.63 to a high of 27.73. The Banks industry median OCF Yield % is 9.24. Exchange Bancshares' value of 20.50 is 121.9% above this industry median. Based on the distribution chart, Exchange Bancshares ranks #377 out of 1502 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 Yield % compare to LKSB and HCBC?
According to the Banks industry distribution chart, Exchange Bancshares ranks #377 out of 1502 companies for OCF Yield %. This puts Exchange Bancshares in the upper half of its industry. The industry median OCF Yield % is 9.24. Exchange Bancshares' value of 20.50 is 121.9% above this benchmark. Historically, Exchange Bancshares' own OCF Yield % has ranged from 5.63 to 27.73 over the past decade. While the company's 10-year median is 17.33 vs. the industry median of 9.24, 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 Yield % for a Banks company?
The median OCF Yield % among Banks companies is 9.24, based on 1,502 companies in the industry. Companies in the top quartile (top 25%) have a OCF Yield % significantly above this median, while those in the bottom quartile fall well below. However, OCF Yield % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Exchange Bancshares's current OCF Yield % of 20.50 is 121.9% 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 Yield % mean?
A high OCF Yield % can signal that a stock is expensive relative to its fundamentals. OCF Yield is calculated as Cash Flow from Operations divided by Market Capitalization. View historical data on Exchange Bancshares and its competitors. For the Banks industry, the median OCF Yield % is 9.24 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Exchange Bancshares's current OCF Yield % is 20.50, which is 18% above median its own 10-year median of 17.33. 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 Yield % is 20.50, which is 18% above median its 10-year median of 17.33 and 121.9% above the Banks industry median of 9.24. 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 Yield % calculated?
OCF Yield % is calculated from a company's financial statements. For Exchange Bancshares (EXCH), the current OCF Yield % is 20.50 as of Jun. 26, 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 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 Yield %: 20.50 (18% above median its 10-year median of 17.33)
GF Value™: $59.63 vs. price of $67.70 (13.5% above fair value)
Industry Position: 121.9% above the Banks median (#377 of 1502)
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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