Exchange BancsharesEXCH 50 PB Ratio is 0.83 as of Jun. 27, 2026, which is 20% above its 10-year median of 0.69. 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 1,516 Banks companies, Exchange Bancshares ranks better than 71.17% on this metric.
The historical rank and industry rank for Exchange Bancshares's PB Ratio or its related term are showing as below:
EXCH'
s PB Ratio Range Over the Past 10 Years
Min: 0.53 Med: 0.69 Max: 0.96
Current: 0.83
During the past 10 years, Exchange Bancshares's highest PB Ratio was 0.96. The lowest was 0.53. And the median was 0.69.
EXCH's PB Ratio is ranked better than 71.17% of 1516
companies
in the Banks industry
Industry Median: 1.09
vs EXCH: 0.83
During the past 12 months, Exchange Bancshares's average Book Value Per Share Growth Rate was 12.10% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 12.00% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 4.10% per year.
During the past 10 years, the highest 3-Year average Book Value Per Share Growth Rate of Exchange Bancshares was 61.70% per year. The lowest was -1.10% per year. And the median was 7.50% per year.
Back to Basics: PB Ratio
Exchange Bancshares (OTCPK:EXCH) PB Ratio Explanation
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
Exchange Bancshares PB Ratio Related Terms
Exchange Bancshares PB Ratio Historical Data
* Premium members only.
The historical data trend for Exchange Bancshares's PB 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.
For the Banks - Regional subindustry, Exchange Bancshares's PB Ratio, along with its competitors' market caps and PB 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 PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Exchange Bancshares's PB Ratio distribution charts can be found below:
* The bar in red indicates where Exchange Bancshares's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
Exchange Bancshares (EXCH) has a PB Ratio of 0.83 as of Jun. 27, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Exchange Bancshares and its competitors. This is 20% above median its historical median of 0.69. Over the past decade, Exchange Bancshares' PB Ratio has ranged from 0.53 to 0.96. According to the industry distribution chart, Exchange Bancshares ranks #437 out of 1516 companies in the Banks industry, placing it in the top 28.8%.
Is Exchange Bancshares' PB Ratio too high?
Exchange Bancshares' current PB Ratio of 0.83 is 20% above median its 10-year median of 0.69. Over the past 10 years, this metric has ranged from a low of 0.53 to a high of 0.96. The Banks industry median PB Ratio is 1.09. Exchange Bancshares' value of 0.83 is 23.9% below this industry median. Based on the distribution chart, Exchange Bancshares ranks #437 out of 1516 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' PB Ratio compare to LKSB and HCBC?
According to the Banks industry distribution chart, Exchange Bancshares ranks #437 out of 1516 companies for PB Ratio. This puts Exchange Bancshares in the upper half of its industry. The industry median PB Ratio is 1.09. Exchange Bancshares' value of 0.83 is 23.9% below this benchmark. Historically, Exchange Bancshares' own PB Ratio has ranged from 0.53 to 0.96 over the past decade. While the company's 10-year median is 0.69 vs. the industry median of 1.09, 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 PB Ratio for a Banks company?
The median PB Ratio among Banks companies is 1.09, based on 1,516 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Exchange Bancshares's current PB Ratio of 0.83 is 23.9% 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Exchange Bancshares and its competitors. For the Banks industry, the median PB Ratio is 1.09 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Exchange Bancshares's current PB Ratio is 0.83, which is 20% above median its own 10-year median of 0.69. 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 PB Ratio is 0.83, which is 20% above median its 10-year median of 0.69 and 23.9% below the Banks industry median of 1.09. 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 PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For Exchange Bancshares (EXCH), the current PB Ratio is 0.83 as of Jun. 27, 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:
PB Ratio: 0.83 (20% above median its 10-year median of 0.69)
GF Value™: $59.63 vs. price of $67.70 (13.5% above fair value)
Industry Position: 23.9% below the Banks median (#437 of 1516)
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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