EXCH (Exchange Bancshares) Scaled Net Operating Assets: 0.18 (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 Scaled Net Operating Assets?

Exchange Bancshares EXCH 50 Scaled Net Operating Assets is 0.18 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.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Exchange Bancshares's operating assets for the quarter that ended in Dec. 2025 was $416.94 Mil. Exchange Bancshares's operating liabilities for the quarter that ended in Dec. 2025 was $346.06 Mil. Exchange Bancshares's Total Assets for the quarter that ended in Dec. 2024 was $394.82 Mil. Therefore, Exchange Bancshares's scaled net operating assets (SNOA) for the quarter that ended in Dec. 2025 was 0.18.

EXCH
50GF Score
Exchange Bancshares Inc EXCH
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Exchange Bancshares Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Exchange Bancshares's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2025 )
=(Operating Assets (A: Dec. 2025 )-Operating Liabilities (A: Dec. 2025 ))/Total Assets (A: Dec. 2024 )
=(416.938-346.063)/394.823
=0.18

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=424.914 - 7.976
=416.938

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=377.063 - 31 - 0
=346.063

Exchange Bancshares's Scaled Net Operating Assets (SNOA) for the quarter that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Dec. 2025 )
=(Operating Assets (Q: Dec. 2025 )-Operating Liabilities (Q: Dec. 2025 ))/Total Assets (Q: Dec. 2024 )
=(416.938-346.063)/394.823
=0.18

where

Operating Assets(Q: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=424.914 - 7.976
=416.938

Operating Liabilities(Q: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=377.063 - 31 - 0
=346.063

* 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 Scaled Net Operating Assets of 0.18 mean?
Exchange Bancshares (EXCH) has a Scaled Net Operating Assets of 0.18 as of Dec. 2025. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Exchange Bancshares and its competitors.
Is Exchange Bancshares' Scaled Net Operating Assets too high?
Exchange Bancshares' current Scaled Net Operating Assets is 0.18. 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' Scaled Net Operating Assets compare to LKSB and HCBC?
Exchange Bancshares' Scaled Net Operating Assets of 0.18 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 Scaled Net Operating Assets for a Banks company?
A good Scaled Net Operating Assets depends on the Banks industry context. However, Scaled Net Operating Assets 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 Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Exchange Bancshares and its competitors. Exchange Bancshares's current Scaled Net Operating Assets is 0.18. 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 Scaled Net Operating Assets is 0.18. 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 Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For Exchange Bancshares (EXCH), the current Scaled Net Operating Assets is 0.18 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:

  • Scaled Net Operating Assets: 0.18
  • 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

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Scaled Net Operating Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$67.70
Price
$59.63
GF Value