Exchange Banknta RosaEXSR -5.53%62 Return-on-Tangible-Equity is 10.31% as of Dec. 2025, which is 3% above its 10-year median of 10.02. GuruFocus rates EXSR with a GF Score™ of 62/100 and a GF Value™ of $115.66 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,523 Banks companies, Exchange Banknta Rosa ranks worse than 60.34% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. Exchange Banknta Rosa's annualized net income for the quarter that ended in Dec. 2025 was $35.0 Mil. Exchange Banknta Rosa's average shareholder tangible equity for the quarter that ended in Dec. 2025 was $339.7 Mil. Therefore, Exchange Banknta Rosa's annualized Return-on-Tangible-Equity for the quarter that ended in Dec. 2025 was 10.31%.
The historical rank and industry rank for Exchange Banknta Rosa's Return-on-Tangible-Equity or its related term are showing as below:
EXSR'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 7.68 Med: 10.02 Max: 17.72
Current: 9.5
During the past 13 years, Exchange Banknta Rosa's highest Return-on-Tangible-Equity was 17.72%. The lowest was 7.68%. And the median was 10.02%.
EXSR's Return-on-Tangible-Equity is ranked worse than 60.34% of 1523
companies
in the Banks industry
Industry Median: 11.2
vs EXSR: 9.50
Exchange Banknta Rosa (OTCPK:EXSR) Return-on-Tangible-Equity Explanation
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
Exchange Banknta Rosa Return-on-Tangible-Equity Related Terms
Exchange Banknta Rosa Return-on-Tangible-Equity Historical Data
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The historical data trend for Exchange Banknta Rosa's Return-on-Tangible-Equity 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 Return-on-Tangible-Equity Chart
EXSR vs CCFN, WNEB, LRBI: Return-on-Tangible-Equity Comparison
For the Banks - Regional subindustry, Exchange Banknta Rosa's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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 Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Exchange Banknta Rosa's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Exchange Banknta Rosa's Return-on-Tangible-Equity 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.
In the calculation of annual Return-on-Tangible-Equity, the net income of the last fiscal year and the average total shareholder tangible equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Dec. 2025) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 10.31% mean?
Exchange Banknta Rosa (EXSR) has a Return-on-Tangible-Equity of 10.31% as of Dec. 2025. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Exchange Banknta Rosa and its competitors. This is near median its historical median of 10.02. Over the past decade, Exchange Banknta Rosa's Return-on-Tangible-Equity has ranged from 7.68 to 17.72. According to the industry distribution chart, Exchange Banknta Rosa ranks #919 out of 1523 companies in the Banks industry, placing it in the top 60.3%.
Is Exchange Banknta Rosa's Return-on-Tangible-Equity too high?
Exchange Banknta Rosa's current Return-on-Tangible-Equity of 10.31% is near median its 10-year median of 10.02. Over the past 10 years, this metric has ranged from a low of 7.68 to a high of 17.72. The Banks industry median Return-on-Tangible-Equity is 11.20. Exchange Banknta Rosa's value of 10.31% is 7.9% below this industry median. Based on the distribution chart, Exchange Banknta Rosa ranks #919 out of 1523 companies in the Banks industry, which is below the industry midpoint. Overall, Exchange Banknta Rosa has a GF Score™ of 62/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Exchange Banknta Rosa's Return-on-Tangible-Equity compare to CCFN and WNEB?
According to the Banks industry distribution chart, Exchange Banknta Rosa ranks #919 out of 1523 companies for Return-on-Tangible-Equity. This places Exchange Banknta Rosa in the lower half of its industry. The industry median Return-on-Tangible-Equity is 11.20. Exchange Banknta Rosa's value of 10.31% is 7.9% below this benchmark. Historically, Exchange Banknta Rosa's own Return-on-Tangible-Equity has ranged from 7.68 to 17.72 over the past decade. While the company's 10-year median is 10.02 vs. the industry median of 11.20, 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 Return-on-Tangible-Equity for a Banks company?
The median Return-on-Tangible-Equity among Banks companies is 11.20, based on 1,523 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Exchange Banknta Rosa's current Return-on-Tangible-Equity of 10.31% is 7.9% 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 Return-on-Tangible-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Exchange Banknta Rosa and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.20 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Exchange Banknta Rosa's current Return-on-Tangible-Equity is 10.31%, which is near median its own 10-year median of 10.02. 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 $115.66, compared to a current price of $158.28 — trading 36.8% above its estimated fair value. The current Return-on-Tangible-Equity is 10.31%, which is near median its 10-year median of 10.02 and 7.9% below the Banks industry median of 11.20. Exchange Banknta Rosa's overall GF Score™ is 62/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For Exchange Banknta Rosa (EXSR), the current Return-on-Tangible-Equity is 10.31% 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 $158.28 is trading 36.8% above its estimated GF Value™ of $115.66.
GuruFocus considers Exchange Banknta Rosa to be Significantly Overvalued.
Key valuation signals for EXSR:
Return-on-Tangible-Equity: 10.31% (near median its 10-year median of 10.02)
GF Value™: $115.66 vs. price of $158.28 (36.8% above fair value)
Industry Position: 7.9% below the Banks median (#919 of 1523)
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.
62GF Score
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