EXSR (Exchange Banknta Rosa) Retained Earnings: $0.0 Mil (As of Dec. 2025)

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EXSR Exchange Bank Santa Rosa EXSR
58 GF Score
Price $166.00
GF Value $115.65
Valuation Significantly Overvalued
! 6 Warning Signs
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What is Exchange Banknta Rosa Retained Earnings?

Exchange Banknta Rosa EXSR -0.60% 58 Retained Earnings is $0.0 Mil as of Dec. 2025. GuruFocus rates EXSR with a GF Score™ of 58/100 and a GF Value™ of $115.65 (Significantly Overvalued). The stock has 6 warning signs investors should review.

Retained earnings is the accumulated portion of net income that is not distributed to shareholders. Exchange Banknta Rosa's retained earnings for the quarter that ended in Dec. 2025 was $0.0 Mil.

Exchange Banknta Rosa's annual retained earnings increased from Dec. 2023 ($316.7 Mil) to Dec. 2024 ($331.6 Mil) but then declined from Dec. 2024 ($331.6 Mil) to Dec. 2025 ($0.0 Mil).


Exchange Banknta Rosa  (OTCPK:EXSR) Retained Earnings Explanation

Historically profitable companies sometimes have negative retained earnings. This is because they have cumulatively paid out more to shareholders than they reported in profits.

For example, in 2011, Microsoft had negative retained earnings. This does not mean the company lost more money than it made over the years. It just means it paid out more money than it earned.

If a company has negative retained earnings, investors should check the 10-year financial results. They should not assume that negative retained earnings prove a company has generally lost money in the past.

Of course, many companies with negative retained earnings have indeed lost money in the past.

Retained Earnings: Warren Buffett's Secret.

One of the most important indicators of durable competitive advantage. Net earnings can be paid out as dividends, used to buy back shares or retained for growth.

If the company loses more than it has accumulated, retained earnings is negative.

If a company isn't adding to its retained earnings, it isn't growing its net worth.

Rate of growth of retained earnings is good indicator whether it's benefiting from a competitive advantage.

Microsoft is negative because it chose to buyback stock and pay dividends.

The more earnings retained, the faster it grows and increases growth rate for future earnings.


Exchange Banknta Rosa Retained Earnings Historical Data

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The historical data trend for Exchange Banknta Rosa's Retained Earnings 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 Banknta Rosa Retained Earnings Chart

Exchange Banknta Rosa Annual Data
Trend Dec12 Dec13 Dec14 Dec15 Dec16 Dec17 Dec18 Dec23 Dec24 Dec25
Retained Earnings
Get a 7-Day Free Trial Premium Member Only Premium Member Only 161.78 193.69 316.65 331.59 0.00

Exchange Banknta Rosa Quarterly Data
Mar18 Jun18 Sep18 Dec18 Sep19 Sep20 Sep21 Sep22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25
Retained Earnings Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 331.59 0.00 0.00 0.00 0.00
EXSR
58GF Score
Exchange Bank Santa Rosa EXSR
Retained Earnings is just one metric. See GF Score™, valuation, warning signs, and more.
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Exchange Banknta Rosa Retained Earnings Calculation

Retained Earnings is the accumulated portion of net income that is not distributed to shareholders. Because the net income was not distributed to shareholders, shareholders' equity is increased by the same amount.

Of course, if a company loses, it is called retained losses, or accumulated losses.

Frequently Asked Questions Learn more about Retained Earnings →
What does a Retained Earnings of $0.0 Mil mean?
Exchange Banknta Rosa (EXSR) has a Retained Earnings of $0.0 Mil as of Dec. 2025. Retained earnings is the amount of net income not issued to shareholders. View historical data on Exchange Banknta Rosa and its competitors.
Is Exchange Banknta Rosa's Retained Earnings too high?
Exchange Banknta Rosa's current Retained Earnings is $0.0 Mil. 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 Retained Earnings compare to CCFN and WNEB?
Exchange Banknta Rosa's Retained Earnings of $0.0 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Retained Earnings for a Banks company?
A good Retained Earnings depends on the Banks industry context. However, Retained Earnings should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Retained Earnings mean?
A high Retained Earnings can signal that a stock is expensive relative to its fundamentals. Retained earnings is the amount of net income not issued to shareholders. View historical data on Exchange Banknta Rosa and its competitors. Exchange Banknta Rosa's current Retained Earnings is $0.0 Mil. 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 $115.65, compared to a current price of $166.00 — trading 43.5% above its estimated fair value. The current Retained Earnings is $0.0 Mil. 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 Retained Earnings calculated?
Retained Earnings is calculated from a company's financial statements. For Exchange Banknta Rosa (EXSR), the current Retained Earnings is $0.0 Mil 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 Banknta Rosa (EXSR) Overvalued in 2026?

Based on GuruFocus' analysis, Exchange Banknta Rosa stock appears to be overvalued. The current stock price of $166.00 is trading 43.5% above its estimated GF Value™ of $115.65. GuruFocus considers Exchange Banknta Rosa to be Significantly Overvalued.

Key valuation signals for EXSR:

  • Retained Earnings: $0.0 Mil
  • GF Value™: $115.65 vs. price of $166.00 (43.5% above fair value)
  • GF Score™: 58/100 with 6 warning signs

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 Banknta Rosa Business Description

Address 545 4th Street, P.O. Box 403, Santa Rosa, CA, USA, 95401
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

Get the complete analysis for EXSR

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

$166.00
Price
$115.65
GF Value