EXCH (Exchange Bancshares) ROC (Joel Greenblatt) %: % (As of Dec. 2025)


EXCH Exchange Bancshares Inc EXCH
63 GF Score
Price $67.70
GF Value $59.74
Valuation Modestly Overvalued
! 3 Warning Signs
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What is Exchange Bancshares ROC (Joel Greenblatt) %?

Exchange Bancshares EXCH 63 ROC (Joel Greenblatt) % is % as of Dec. 2025. GuruFocus rates EXCH with a GF Score™ of 63/100 and a GF Value™ of $59.74 (Modestly Overvalued). The stock has 3 warning signs investors should review. Among 47 Banks companies, Exchange Bancshares ranks worse than 2127657.45% on this metric.

ROC (Joel Greenblatt) % does not apply to banks and insurance companies.

EXCH
63GF Score
Exchange Bancshares Inc EXCH
ROC (Joel Greenblatt) % is just one metric. See GF Score™, valuation, warning signs, and more.
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What does a ROC (Joel Greenblatt) % of % mean?
Exchange Bancshares (EXCH) has a ROC (Joel Greenblatt) % of % as of Dec. 2025. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on Exchange Bancshares and its competitors. According to the industry distribution chart, Exchange Bancshares ranks #999999 out of 47 companies in the Banks industry.
Is Exchange Bancshares' ROC (Joel Greenblatt) % too high?
Exchange Bancshares' current ROC (Joel Greenblatt) % is %. Based on the distribution chart, Exchange Bancshares ranks #999999 out of 47 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Exchange Bancshares has a GF Score™ of 63/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Exchange Bancshares' ROC (Joel Greenblatt) % compare to FMFP and ANDC?
According to the Banks industry distribution chart, Exchange Bancshares ranks #999999 out of 47 companies for ROC (Joel Greenblatt) %. This places Exchange Bancshares in the lower half of its industry. The industry median ROC (Joel Greenblatt) % is 71.07. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROC (Joel Greenblatt) % for a Banks company?
The median ROC (Joel Greenblatt) % among Banks companies is 71.07, based on 47 companies in the industry. Companies in the top quartile (top 25%) have a ROC (Joel Greenblatt) % significantly above this median, while those in the bottom quartile fall well below. However, ROC (Joel Greenblatt) % 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 ROC (Joel Greenblatt) % mean?
A high ROC (Joel Greenblatt) % can signal that a stock is expensive relative to its fundamentals. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on Exchange Bancshares and its competitors. For the Banks industry, the median ROC (Joel Greenblatt) % is 71.07 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Exchange Bancshares's current ROC (Joel Greenblatt) % is %. 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 $59.74, compared to a current price of $67.70 — trading 13.3% above its estimated fair value. The current ROC (Joel Greenblatt) % is %. Exchange Bancshares' overall GF Score™ is 63/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROC (Joel Greenblatt) % calculated?
ROC (Joel Greenblatt) % is calculated from a company's financial statements. For Exchange Bancshares (EXCH), the current ROC (Joel Greenblatt) % is % 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 13.3% above its estimated GF Value™ of $59.74. GuruFocus considers Exchange Bancshares to be Modestly Overvalued.

Key valuation signals for EXCH:

  • ROC (Joel Greenblatt) %: %
  • GF Value™: $59.74 vs. price of $67.70 (13.3% above fair value)
  • GF Score™: 63/100 with 3 warning signs

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.
63GF Score

Get the complete analysis for EXCH

ROC (Joel Greenblatt) % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$67.70
Price
$59.74
GF Value