EXCH (Exchange Bancshares) Dividend Payout Ratio: 0.18 (As of Dec. 2025) — Near Median


EXCH Exchange Bancshares Inc EXCH
50 GF Score
Price $67.70
GF Value $59.63
Valuation Modestly Overvalued
! 3 Warning Signs
View Full Analysis

What is Exchange Bancshares Dividend Payout Ratio?

Exchange Bancshares EXCH 50 Dividend Payout Ratio is 0.18 as of Dec. 2025, which is 5% below its 10-year median of 0.19. 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 1,168 Banks companies, Exchange Bancshares ranks better than 82.79% on this metric.

The Dividend Payout Ratio is the measure of dividends paid out to shareholders relative to the company's net income. It is calculated as the Dividends per Share divided by the Earnings per Share (Diluted) during the same time period. Exchange Bancshares's Dividend Payout Ratio for the months ended in Dec. 2025 was 0.18.

The historical rank and industry rank for Exchange Bancshares's Dividend Payout Ratio or its related term are showing as below:

EXCH' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.17   Med: 0.19   Max: 0.19
Current: 0.18

During the past 10 years, the highest Dividend Payout Ratio of Exchange Bancshares was 0.19. The lowest was 0.17. And the median was 0.19.

EXCH's Dividend Payout Ratio is ranked better than
82.79% of 1168 companies
in the Banks industry
Industry Median: 0.32 vs EXCH: 0.18

As of today (2026-06-26), the Dividend Yield % of Exchange Bancshares is 2.36%.

During the past 10 years, the highest Trailing Annual Dividend Yield of Exchange Bancshares was 3.41%. The lowest was 1.78%. And the median was 2.40%.

Exchange Bancshares's Dividends per Share for the months ended in Dec. 2025 was $1.52.

During the past 12 months, Exchange Bancshares's average Dividends Per Share Growth Rate was 5.60% per year. During the past 3 years, the average Dividends Per Share Growth Rate was 10.70% per year. During the past 5 years, the average Dividends Per Share Growth Rate was 10.20% per year.

During the past 10 years, the highest 3-Year average Dividends Per Share Growth Rate of Exchange Bancshares was 11.50% per year. The lowest was 8.40% per year. And the median was 10.40% per year.

The growth rate is calculated with least square regression.

For more information regarding to dividend, please check our Dividend Page.

* Please note that "special dividend" is not included in the calculation of dividend per share and related fields.

Exchange Bancshares (OTCPK:EXCH) Dividend Payout Ratio Explanation

In dividends investing, Dividend Payout Ratio and Dividend Growth Rate are the two most important variables for consideration. A lower payout ratio may indicate that the company has more room to increase its dividends.

Exchange Bancshares Dividend Payout Ratio Related Terms

Exchange Bancshares Dividend Payout Ratio Historical Data

* Premium members only.

The historical data trend for Exchange Bancshares's Dividend Payout Ratio 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.

Exchange Bancshares Dividend Payout Ratio Chart

Exchange Bancshares Annual Data
Trend Dec01 Dec02 Dec03 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Dividend Payout Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.19 0.19 0.19 0.19 0.18

Exchange Bancshares Semi-Annual Data
Dec01 Dec02 Dec03 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Dividend Payout Ratio Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.19 0.19 0.19 0.19 0.18

EXCH vs LKSB, HCBC, KFFB: Dividend Payout Ratio Comparison

For the Banks - Regional subindustry, Exchange Bancshares's Dividend Payout Ratio, along with its competitors' market caps and Dividend Payout Ratio 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 Dividend Payout Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Exchange Bancshares's Dividend Payout Ratio distribution charts can be found below:

* The bar in red indicates where Exchange Bancshares's Dividend Payout Ratio falls into.


EXCH
50GF Score
Exchange Bancshares Inc EXCH
Dividend Payout Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Exchange Bancshares Dividend Payout Ratio Calculation

The Dividend Payout Ratio is the measure of dividends paid out to shareholders relative to the company's net income. It is calculated as the Dividends per Share divided by the Earnings per Share (Diluted) during the same time period.

Exchange Bancshares's Dividend Payout Ratio for the fiscal year that ended in Dec. 2025 is calculated as

Dividend Payout Ratio=Dividends per Share (A: Dec. 2025 )/ EPS without NRI (A: Dec. 2025 )
=1.52/ 8.44
=0.18

Exchange Bancshares's Dividend Payout Ratio for the quarter that ended in Dec. 2025 is calculated as

Dividend Payout Ratio=Dividends per Share (Q: Dec. 2025 )/ EPS without NRI (Q: Dec. 2025 )
=1.52/ 8.44
=0.18

* 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.

Frequently Asked Questions Learn more about Dividend Payout Ratio →
What does a Dividend Payout Ratio of 0.18 mean?
Exchange Bancshares (EXCH) has a Dividend Payout Ratio of 0.18 as of Dec. 2025. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on Exchange Bancshares and its competitors. This is near median its historical median of 0.19. Over the past decade, Exchange Bancshares' Dividend Payout Ratio has ranged from 0.17 to 0.19. According to the industry distribution chart, Exchange Bancshares ranks #201 out of 1168 companies in the Banks industry, placing it in the top 17.2%.
Is Exchange Bancshares' Dividend Payout Ratio too high?
Exchange Bancshares' current Dividend Payout Ratio of 0.18 is near median its 10-year median of 0.19. Over the past 10 years, this metric has ranged from a low of 0.17 to a high of 0.19. The Banks industry median Dividend Payout Ratio is 0.32. Exchange Bancshares' value of 0.18 is 43.8% below this industry median. Based on the distribution chart, Exchange Bancshares ranks #201 out of 1168 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. 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' Dividend Payout Ratio compare to LKSB and HCBC?
According to the Banks industry distribution chart, Exchange Bancshares ranks #201 out of 1168 companies for Dividend Payout Ratio. This places Exchange Bancshares in the top 17% of its industry — outperforming the majority of peers. The industry median Dividend Payout Ratio is 0.32. Exchange Bancshares' value of 0.18 is 43.8% below this benchmark. Historically, Exchange Bancshares' own Dividend Payout Ratio has ranged from 0.17 to 0.19 over the past decade. While the company's 10-year median is 0.19 vs. the industry median of 0.32, Exchange Bancshares has consistently been below 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 Dividend Payout Ratio for a Banks company?
The median Dividend Payout Ratio among Banks companies is 0.32, based on 1,168 companies in the industry. Companies in the top quartile (top 25%) have a Dividend Payout Ratio significantly above this median, while those in the bottom quartile fall well below. However, Dividend Payout Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Exchange Bancshares's current Dividend Payout Ratio of 0.18 is 43.8% below 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 Dividend Payout Ratio mean?
A high Dividend Payout Ratio can signal that a stock is expensive relative to its fundamentals. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on Exchange Bancshares and its competitors. For the Banks industry, the median Dividend Payout Ratio is 0.32 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Exchange Bancshares's current Dividend Payout Ratio is 0.18, which is near median its own 10-year median of 0.19. 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 Dividend Payout Ratio is 0.18, which is near median its 10-year median of 0.19 and 43.8% below the Banks industry median of 0.32. 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 Dividend Payout Ratio calculated?
Dividend Payout Ratio is calculated from a company's financial statements. For Exchange Bancshares (EXCH), the current Dividend Payout Ratio is 0.18 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:

  • Dividend Payout Ratio: 0.18 (near median its 10-year median of 0.19)
  • GF Value™: $59.63 vs. price of $67.70 (13.5% above fair value)
  • GF Score™: 50/100 with 3 warning signs
  • Industry Position: 43.8% below the Banks median (#201 of 1168)

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 Business Description

Address 250 W. Hancock Street, P.O. Box 580, Milledgeville, GA, USA, 31061-0580
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

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

$67.70
Price
$59.63
GF Value