EXCH (Exchange Bancshares) Tax Rate %: 20.48% (As of Dec. 2025)


EXCH Exchange Bancshares Inc EXCH
50 GF Score
Price $67.70
GF Value $59.83
Valuation Modestly Overvalued
! 3 Warning Signs
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What is Exchange Bancshares Tax Rate %?

Exchange Bancshares EXCH 50 Tax Rate % is 20.48% as of Dec. 2025. GuruFocus rates EXCH with a GF Score™ of 50/100 and a GF Value™ of $59.83 (Modestly Overvalued). The stock has 3 warning signs investors should review.

Tax Rate % is calculated as Tax Expense divided by its Pre-Tax Income. Exchange Bancshares's Tax Expense for the six months ended in Dec. 2025 was $1.29 Mil. Exchange Bancshares's Pre-Tax Income for the six months ended in Dec. 2025 was $6.29 Mil. Therefore, Exchange Bancshares's Tax Rate % for the quarter that ended in Dec. 2025 was 20.48%.

Exchange Bancshares Tax Rate % Related Terms

Exchange Bancshares Tax Rate % Historical Data

* Premium members only.

The historical data trend for Exchange Bancshares's Tax Rate % 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 Tax Rate % Chart

Exchange Bancshares Annual Data
Trend Dec01 Dec02 Dec03 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Tax Rate %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 20.42 18.41 20.57 21.08 20.48

Exchange Bancshares Semi-Annual Data
Dec01 Dec02 Dec03 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Tax Rate % Get a 7-Day Free Trial Premium Member Only Premium Member Only 20.42 18.41 20.57 21.08 20.48
EXCH
50GF Score
Exchange Bancshares Inc EXCH
Tax Rate % is just one metric. See GF Score™, valuation, warning signs, and more.
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Exchange Bancshares Tax Rate % Calculation

Tax Rate % is the ratio of tax expense divided by pretax income, usually presented in percent.

Exchange Bancshares's Tax Rate % for the fiscal year that ended in Dec. 2025 is calculated as

Tax Rate %=Tax Expense (A: Dec. 2025 )/Pre-Tax Income (A: Dec. 2025 )
=1.288/6.288
=20.48 %

Exchange Bancshares's Tax Rate % for the quarter that ended in Dec. 2025 is calculated as

Tax Rate %=Tax Expense (Q: Dec. 2025 )/Pre-Tax Income (Q: Dec. 2025 )
=1.288/6.288
=20.48 %

* 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.

Frequently Asked Questions Learn more about Tax Rate % →
What does a Tax Rate % of 20.48% mean?
Exchange Bancshares (EXCH) has a Tax Rate % of 20.48% as of Dec. 2025.
Is Exchange Bancshares' Tax Rate % too high?
Exchange Bancshares' current Tax Rate % is 20.48%. 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' Tax Rate % compare to FMFP and ANDC?
Exchange Bancshares' Tax Rate % of 20.48% 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 Tax Rate % for a Banks company?
A good Tax Rate % depends on the Banks industry context. However, Tax Rate % 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 Tax Rate % mean?
A high Tax Rate % can signal that a stock is expensive relative to its fundamentals. Exchange Bancshares's current Tax Rate % is 20.48%. 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 $59.83, compared to a current price of $67.70 — trading 13.2% above its estimated fair value. The current Tax Rate % is 20.48%. 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 Tax Rate % calculated?
Tax Rate % is calculated from a company's financial statements. For Exchange Bancshares (EXCH), the current Tax Rate % is 20.48% 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 13.2% above its estimated GF Value™ of $59.83. GuruFocus considers Exchange Bancshares to be Modestly Overvalued.

Key valuation signals for EXCH:

  • Tax Rate %: 20.48%
  • GF Value™: $59.83 vs. price of $67.70 (13.2% 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

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

$67.70
Price
$59.83
GF Value