EXCH (Exchange Bancshares) ROE % Adjusted to Book Value: 12.77% (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 ROE % Adjusted to Book Value?

Exchange Bancshares EXCH 50 ROE % Adjusted to Book Value is 12.77% 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.

Exchange Bancshares's ROE % for the quarter that ended in Dec. 2025 was 10.98%. Exchange Bancshares's PB Ratio for the quarter that ended in Dec. 2025 was 0.86. Exchange Bancshares's ROE % Adjusted to Book Value for the quarter that ended in Dec. 2025 was 12.77%.

Exchange Bancshares ROE % Adjusted to Book Value Related Terms

Exchange Bancshares ROE % Adjusted to Book Value Historical Data

* Premium members only.

The historical data trend for Exchange Bancshares's ROE % Adjusted to Book Value 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 Bancshares ROE % Adjusted to Book Value Chart

Exchange Bancshares Annual Data
Trend Dec01 Dec02 Dec03 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
ROE % Adjusted to Book Value
Get a 7-Day Free Trial Premium Member Only Premium Member Only 12.46 12.08 17.90 16.59 12.77

Exchange Bancshares Semi-Annual Data
Dec01 Dec02 Dec03 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
ROE % Adjusted to Book Value Get a 7-Day Free Trial Premium Member Only Premium Member Only 12.46 12.08 17.90 16.59 12.77

EXCH vs LKSB, HCBC, KFFB: ROE % Adjusted to Book Value Comparison

For the Banks - Regional subindustry, Exchange Bancshares's ROE % Adjusted to Book Value, along with its competitors' market caps and ROE % Adjusted to Book Value 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 Bancshares ROE % Adjusted to Book Value vs Banks Industry

For the Banks industry and Financial Services sector, Exchange Bancshares's ROE % Adjusted to Book Value distribution charts can be found below:

* The bar in red indicates where Exchange Bancshares's ROE % Adjusted to Book Value falls into.


EXCH
50GF Score
Exchange Bancshares Inc EXCH
ROE % Adjusted to Book Value is just one metric. See GF Score™, valuation, warning signs, and more.
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Exchange Bancshares ROE % Adjusted to Book Value Calculation

Exchange Bancshares's ROE % Adjusted to Book Value for the fiscal year that ended in Dec. 2025 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=10.98% / 0.86
=12.77%

Exchange Bancshares's ROE % Adjusted to Book Value for the quarter that ended in Dec. 2025 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=10.98% / 0.86
=12.77%

* 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.

What does a ROE % Adjusted to Book Value of 12.77% mean?
Exchange Bancshares (EXCH) has a ROE % Adjusted to Book Value of 12.77% as of Dec. 2025. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on Exchange Bancshares and its competitors.
Is Exchange Bancshares' ROE % Adjusted to Book Value too high?
Exchange Bancshares' current ROE % Adjusted to Book Value is 12.77%. 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' ROE % Adjusted to Book Value compare to LKSB and HCBC?
Exchange Bancshares' ROE % Adjusted to Book Value of 12.77% 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 ROE % Adjusted to Book Value for a Banks company?
A good ROE % Adjusted to Book Value depends on the Banks industry context. However, ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value mean?
A high ROE % Adjusted to Book Value can signal that a stock is expensive relative to its fundamentals. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on Exchange Bancshares and its competitors. Exchange Bancshares's current ROE % Adjusted to Book Value is 12.77%. 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 ROE % Adjusted to Book Value is 12.77%. 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 ROE % Adjusted to Book Value calculated?
ROE % Adjusted to Book Value is calculated from a company's financial statements. For Exchange Bancshares (EXCH), the current ROE % Adjusted to Book Value is 12.77% 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:

  • ROE % Adjusted to Book Value: 12.77%
  • 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

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

$67.70
Price
$59.63
GF Value