Exchange Banknta RosaEXSR -2.94%58 PB Ratio is 0.82 as of Jun. 25, 2026, which is 6% below its 10-year median of 0.87. 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 1,515 Banks companies, Exchange Banknta Rosa ranks better than 72.15% on this metric.
Exchange Bank Santa Rosa stock PB Ratio (=0.84) is close to 3-year high of 0.85.
The historical rank and industry rank for Exchange Banknta Rosa's PB Ratio or its related term are showing as below:
EXSR'
s PB Ratio Range Over the Past 10 Years
Min: 0.57 Med: 0.87 Max: 1.68
Current: 0.82
During the past 13 years, Exchange Banknta Rosa's highest PB Ratio was 1.68. The lowest was 0.57. And the median was 0.87.
EXSR's PB Ratio is ranked better than 72.15% of 1515
companies
in the Banks industry
Industry Median: 1.08
vs EXSR: 0.82
During the past 12 months, Exchange Banknta Rosa's average Book Value Per Share Growth Rate was 23.50% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 14.40% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 12.40% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 10.50% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Exchange Banknta Rosa was 14.40% per year. The lowest was -5.90% per year. And the median was 8.30% per year.
Back to Basics: PB Ratio
Exchange Banknta Rosa (OTCPK:EXSR) 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.
* 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 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 Banknta Rosa PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Exchange Banknta Rosa's PB Ratio distribution charts can be found below:
* The bar in red indicates where Exchange Banknta Rosa'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 Banknta Rosa (EXSR) has a PB Ratio of 0.82 as of Jun. 25, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Exchange Banknta Rosa and its competitors. This is near median its historical median of 0.87. Over the past decade, Exchange Banknta Rosa's PB Ratio has ranged from 0.57 to 1.68. According to the industry distribution chart, Exchange Banknta Rosa ranks #422 out of 1515 companies in the Banks industry, placing it in the top 27.9%.
Is Exchange Banknta Rosa's PB Ratio too high?
Exchange Banknta Rosa's current PB Ratio of 0.82 is near median its 10-year median of 0.87. Over the past 10 years, this metric has ranged from a low of 0.57 to a high of 1.68. The Banks industry median PB Ratio is 1.08. Exchange Banknta Rosa's value of 0.82 is 24.1% below this industry median. Based on the distribution chart, Exchange Banknta Rosa ranks #422 out of 1515 companies in the Banks industry, which is above 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 PB Ratio compare to OVLY and FDBC?
According to the Banks industry distribution chart, Exchange Banknta Rosa ranks #422 out of 1515 companies for PB Ratio. This puts Exchange Banknta Rosa in the upper half of its industry. The industry median PB Ratio is 1.08. Exchange Banknta Rosa's value of 0.82 is 24.1% below this benchmark. Historically, Exchange Banknta Rosa's own PB Ratio has ranged from 0.57 to 1.68 over the past decade. While the company's 10-year median is 0.87 vs. the industry median of 1.08, Exchange Banknta Rosa 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 1.08, based on 1,515 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 Banknta Rosa's current PB Ratio of 0.82 is 24.1% 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 Banknta Rosa and its competitors. For the Banks industry, the median PB Ratio is 1.08 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Exchange Banknta Rosa's current PB Ratio is 0.82, which is near median its own 10-year median of 0.87. 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 PB Ratio is 0.82, which is near median its 10-year median of 0.87 and 24.1% below the Banks industry median of 1.08. 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 PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For Exchange Banknta Rosa (EXSR), the current PB Ratio is 0.82 as of Jun. 25, 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 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:
PB Ratio: 0.82 (near median its 10-year median of 0.87)
GF Value™: $115.67 vs. price of $165.00 (42.6% above fair value)
Industry Position: 24.1% below the Banks median (#422 of 1515)
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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