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Exchange BancsharesEXCH 51 Shiller PE Ratio is 13.90 as of Sep. 10, 2026, which is 0% below its 10-year median of 13.96. GuruFocus rates EXCH with a GF Score™ of 51/100 and a GF Value™ of $60.79 (Modestly Overvalued). The stock has 3 warning signs investors should review. Among 1,235 Banks companies, Exchange Bancshares ranks better than 50.12% on this metric.
The historical rank and industry rank for Exchange Bancshares's Shiller PE Ratio or its related term are showing as below:
EXCH'
s Shiller PE Ratio Range Over the Past 10 Years
Min: 13.09 Med: 13.96 Max: 14.43
Current: 13.89
During the past 10 years, Exchange Bancshares's highest Shiller PE Ratio was 14.43. The lowest was 13.09. And the median was 13.96.
EXCH's Shiller PE Ratio is ranked better than 50.12% of 1235
companies
in the Banks industry
Industry Median: 13.91
vs EXCH: 13.89
E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.
Exchange Bancshares's adjusted earnings per share data of for the fiscal year that ended in Dec25 was $8.440. Add all the adjusted EPS for the past 10 years together and divide 10 will get our E10, which is $4.85 for the trailing ten years ended in Dec25.
Shiller PE for Stocks: The True Measure of Stock Valuation
Exchange Bancshares (OTCPK:EXCH) Shiller PE Ratio Explanation
Compared with the regular PE Ratio, which works poorly for cyclical businesses, the Shiller PE Ratio smoothed out the fluctuations of profit margins during business cycles. Therefore it is more accurate in reflecting the valuation of the company.
If a company has consistent business performance, the Shiller PE Ratio should give similar results to regular PE Ratio.
Compared with the PS Ratio, the Shiller PE Ratio makes the comparison between different industries more meaningful.
Be Aware
Shiller PE Ratio assumes that over the long term, businesses and profitability revert to their means. If a company's business model does not work in the future compared with the past, Shiller PE Ratio and PS Ratio will give false valuations.
Exchange Bancshares Shiller PE Ratio Related Terms
Exchange Bancshares Shiller PE Ratio Historical Data
* Premium members only.
The historical data trend for Exchange Bancshares's Shiller PE Ratio 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.
EXCH vs QNTO, PCLB, GNRV: Shiller PE Ratio Comparison
For the Banks - Regional subindustry, Exchange Bancshares's Shiller PE Ratio, along with its competitors' market caps and Shiller PE Ratio 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 Shiller PE Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Exchange Bancshares's Shiller PE Ratio distribution charts can be found below:
* The bar in red indicates where Exchange Bancshares's Shiller PE Ratio falls into.
For Shiller PE Ratio, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller PE Ratio is also called PE10.
The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.
* 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.
Add all the adjusted EPS together and divide 10 will get our E10.
Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.
Exchange Bancshares (EXCH) has a Shiller PE Ratio of 13.90 as of Sep. 10, 2026. Shiller price-earnings ratio is the ratio of share price to a company's inflation-adjusted earnings over a 10-year period. View historical data on Exchange Bancshares and its competitors. This is near median its historical median of 13.96. Over the past decade, Exchange Bancshares' Shiller PE Ratio has ranged from 13.09 to 14.43. According to the industry distribution chart, Exchange Bancshares ranks #616 out of 1235 companies in the Banks industry, placing it in the top 49.9%.
Is Exchange Bancshares' Shiller PE Ratio too high?
Exchange Bancshares' current Shiller PE Ratio of 13.90 is near median its 10-year median of 13.96. Over the past 10 years, this metric has ranged from a low of 13.09 to a high of 14.43. The Banks industry median Shiller PE Ratio is 13.91. Exchange Bancshares' value of 13.90 is 0.1% below this industry median. Based on the distribution chart, Exchange Bancshares ranks #616 out of 1235 companies in the Banks industry, which is above the industry midpoint. Overall, Exchange Bancshares has a GF Score™ of 51/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Exchange Bancshares' Shiller PE Ratio compare to QNTO and PCLB?
According to the Banks industry distribution chart, Exchange Bancshares ranks #616 out of 1235 companies for Shiller PE Ratio. This puts Exchange Bancshares in the upper half of its industry. The industry median Shiller PE Ratio is 13.91. Exchange Bancshares' value of 13.90 is 0.1% below this benchmark. Historically, Exchange Bancshares' own Shiller PE Ratio has ranged from 13.09 to 14.43 over the past decade. While the company's 10-year median is 13.96 vs. the industry median of 13.91, Exchange Bancshares 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 Shiller PE Ratio for a Banks company?
The median Shiller PE Ratio among Banks companies is 13.91, based on 1,235 companies in the industry. Companies in the top quartile (top 25%) have a Shiller PE Ratio significantly above this median, while those in the bottom quartile fall well below. However, Shiller PE Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Exchange Bancshares's current Shiller PE Ratio of 13.90 is 0.1% 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 Shiller PE Ratio mean?
A high Shiller PE Ratio can signal that a stock is expensive relative to its fundamentals. Shiller price-earnings ratio is the ratio of share price to a company's inflation-adjusted earnings over a 10-year period. View historical data on Exchange Bancshares and its competitors. For the Banks industry, the median Shiller PE Ratio is 13.91 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Exchange Bancshares's current Shiller PE Ratio is 13.90, which is near median its own 10-year median of 13.96. 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 $60.79, compared to a current price of $67.42 — trading 10.9% above its estimated fair value. The current Shiller PE Ratio is 13.90, which is near median its 10-year median of 13.96 and 0.1% below the Banks industry median of 13.91. Exchange Bancshares' overall GF Score™ is 51/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Shiller PE Ratio calculated?
Shiller PE Ratio is calculated from a company's financial statements. For Exchange Bancshares (EXCH), the current Shiller PE Ratio is 13.90 as of Sep. 10, 2026. 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 $67.42 is trading 10.9% above its estimated GF Value™ of $60.79.
GuruFocus considers Exchange Bancshares to be Modestly Overvalued.
Key valuation signals for EXCH:
Shiller PE Ratio: 13.90 (near median its 10-year median of 13.96)
GF Value™: $60.79 vs. price of $67.42 (10.9% above fair value)
Industry Position: 0.1% below the Banks median (#616 of 1235)
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 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.
51GF Score
Get the complete analysis for EXCH
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