EXCH (Exchange Bancshares) Total Assets: $424.91 Mil (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 Total Assets?

Exchange Bancshares EXCH 50 Total Assets is $424.91 Mil 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 Total Assets for the quarter that ended in Dec. 2025 was $424.91 Mil.

During the past 12 months, Exchange Bancshares's average Total Assets Growth Rate was 8.10% per year. During the past 3 years, the average Total Assets Growth Rate was 5.60% per year. During the past 5 years, the average Total Assets Growth Rate was 6.60% per year.

During the past 10 years, Exchange Bancshares's highest 3-Year average Total Assets Growth Rate was 48.80%. The lowest was 5.50%. And the median was 10.80%.

Total Assets is connected with ROA %. Exchange Bancshares's annualized ROA % for the quarter that ended in Dec. 2025 was 1.22%. Total Assets is also linked to Revenue through Asset Turnover. Exchange Bancshares's Asset Turnover for the quarter that ended in Dec. 2025 was 0.05.

Exchange Bancshares  (OTCPK:EXCH) Total Assets Explanation

Total Assets is connected with ROA %.

Exchange Bancshares's annualized ROA % for the quarter that ended in Dec. 2025 is

ROA %=Net Income (Q: Dec. 2025 )/( (Total Assets (Q: Dec. 2024 )+Total Assets (Q: Dec. 2025 ))/ count )
=5.001/( (394.823+424.914)/ 2 )
=5.001/409.8685
=1.22 %

Note: The Net Income data used here is one times the annual (Dec. 2025) data.

In the article Joining The Dark Side: Pirates, Spies and Short Sellers, James Montier reported that In their US sample covering the period 1968-2003, Cooper et al find that firms with low asset growth outperformed firms with high asset growth by an astounding 20% p.a. equally weighted. Even when controlling for market, size and style, low asset growth firms outperformed high asset growth firms by 13% p.a. Therefore a company with fast asset growth may underperform.

Total Assets is linked to total revenue through Asset Turnover.

Exchange Bancshares's Asset Turnover for the quarter that ended in Dec. 2025 is

Asset Turnover
=Revenue (Q: Dec. 2025 )/( (Total Assets (Q: Dec. 2024 )+Total Assets (Q: Dec. 2025 ))/ count )
=18.471/( (394.823+424.914)/ 2 )
=18.471/409.8685
=0.05

* 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.

Therefore, if a company grows its Total Assets faster than its Revenue, the Asset Turnover will decline. This might be a warning sign for the business.

Exchange Bancshares Total Assets Related Terms

Exchange Bancshares Total Assets Historical Data

* Premium members only.

The historical data trend for Exchange Bancshares's Total Assets 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 Total Assets Chart

Exchange Bancshares Annual Data
Trend Dec01 Dec02 Dec03 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Total Assets
Get a 7-Day Free Trial Premium Member Only Premium Member Only 365.40 363.04 373.84 394.82 424.91

Exchange Bancshares Semi-Annual Data
Dec01 Dec02 Dec03 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Total Assets Get a 7-Day Free Trial Premium Member Only Premium Member Only 365.40 363.04 373.84 394.82 424.91
EXCH
50GF Score
Exchange Bancshares Inc EXCH
Total Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Exchange Bancshares Total Assets Calculation

Total Assets are all the assets a company owns.

From the capital sources of the assets, some of the assets are funded through shareholder's paid in capital and retained earnings of the business. Others are funded through borrowed money.

Exchange Bancshares's Total Assets for the fiscal year that ended in Dec. 2025 is calculated as

Total Assets=Total Equity (A: Dec. 2025 )+Total Liabilities (A: Dec. 2025 )
=47.852+377.063
=424.92

Exchange Bancshares's Total Assets for the quarter that ended in Dec. 2025 is calculated as

Total Assets=Total Equity (Q: Dec. 2025 )+Total Liabilities (Q: Dec. 2025 )
=47.852+377.063
=424.92

* 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 Total Assets →
What does a Total Assets of $424.91 Mil mean?
Exchange Bancshares (EXCH) has a Total Assets of $424.91 Mil as of Dec. 2025. The total amount of assets as recorded on a company's balance sheet. View historical data on Exchange Bancshares and its competitors.
Is Exchange Bancshares' Total Assets too high?
Exchange Bancshares' current Total Assets is $424.91 Mil. 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' Total Assets compare to LKSB and HCBC?
Exchange Bancshares' Total Assets of $424.91 Mil 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 Total Assets for a Banks company?
A good Total Assets depends on the Banks industry context. However, Total 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 Total Assets mean?
A high Total Assets can signal that a stock is expensive relative to its fundamentals. The total amount of assets as recorded on a company's balance sheet. View historical data on Exchange Bancshares and its competitors. Exchange Bancshares's current Total Assets is $424.91 Mil. 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 Total Assets is $424.91 Mil. 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 Total Assets calculated?
Total Assets is calculated from a company's financial statements. For Exchange Bancshares (EXCH), the current Total Assets is $424.91 Mil 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:

  • Total Assets: $424.91 Mil
  • 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

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

$67.70
Price
$59.63
GF Value