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


EXCH Exchange Bancshares Inc EXCH
50 GF Score
Price $67.70
GF Value $59.63
Valuation Modestly Overvalued
! 3 Warning Signs
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What is Exchange Bancshares ROC %?

Exchange Bancshares EXCH 50 ROC % is % as of Dec. 2025. 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.

ROC %does not apply to banks.

EXCH
50GF Score
Exchange Bancshares Inc EXCH
ROC % is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about ROC % →
What does a ROC % of % mean?
Exchange Bancshares (EXCH) has a ROC % of % as of Dec. 2025. Return on capital is the ratio of current-period net income to average two-period capital. View historical data on Exchange Bancshares and its competitors.
Is Exchange Bancshares' ROC % too high?
Exchange Bancshares' current ROC % is %. 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' ROC % compare to LKSB and HCBC?
Exchange Bancshares' ROC % of % can be compared against companies in the Banks industry. The industry median ROC % is 1.98. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROC % for a Banks company?
The median ROC % among Banks companies is 1.98, based on 48 companies in the industry. Companies in the top quartile (top 25%) have a ROC % significantly above this median, while those in the bottom quartile fall well below. However, ROC % 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 % mean?
A high ROC % can signal that a stock is expensive relative to its fundamentals. Return on capital is the ratio of current-period net income to average two-period capital. View historical data on Exchange Bancshares and its competitors. For the Banks industry, the median ROC % is 1.98 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Exchange Bancshares's current ROC % 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 $59.63, compared to a current price of $67.70 — trading 13.5% above its estimated fair value. The current ROC % is %. 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 ROC % calculated?
ROC % is calculated from a company's financial statements. For Exchange Bancshares (EXCH), the current ROC % 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 13.5% above its estimated GF Value™ of $59.63. GuruFocus considers Exchange Bancshares to be Modestly Overvalued.

Key valuation signals for EXCH:

  • ROC %: %
  • GF Value™: $59.63 vs. price of $67.70 (13.5% above fair value)
  • GF Score™: 50/100 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.
50GF Score

Get the complete analysis for EXCH

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

$67.70
Price
$59.63
GF Value