EXCH (Exchange Bancshares) Total Liabilities: $377.06 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 Liabilities?

Exchange Bancshares EXCH 50 Total Liabilities is $377.06 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 Liabilities for the quarter that ended in Dec. 2025 was $377.06 Mil.

Exchange Bancshares's quarterly Total Liabilities increased from Dec. 2023 ($335.06 Mil) to Dec. 2024 ($351.55 Mil) and increased from Dec. 2024 ($351.55 Mil) to Dec. 2025 ($377.06 Mil).

Exchange Bancshares's annual Total Liabilities increased from Dec. 2023 ($335.06 Mil) to Dec. 2024 ($351.55 Mil) and increased from Dec. 2024 ($351.55 Mil) to Dec. 2025 ($377.06 Mil).

Exchange Bancshares Total Liabilities Historical Data

* Premium members only.

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

Exchange Bancshares Annual Data
Trend Dec01 Dec02 Dec03 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Total Liabilities
Get a 7-Day Free Trial Premium Member Only Premium Member Only 325.14 327.93 335.06 351.55 377.06

Exchange Bancshares Semi-Annual Data
Dec01 Dec02 Dec03 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Total Liabilities Get a 7-Day Free Trial Premium Member Only Premium Member Only 325.14 327.93 335.06 351.55 377.06
EXCH
50GF Score
Exchange Bancshares Inc EXCH
Total Liabilities is just one metric. See GF Score™, valuation, warning signs, and more.
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Exchange Bancshares Total Liabilities Calculation

Total Liabilities are the liabilities that the company has to pay others. It is a part of the balance sheet of a company that shareholders do not own, and would be obligated to pay back if the company liquidated.

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

Total Liabilities=Total Assets (A: Dec. 2025 )-Total Equity (A: Dec. 2025 )
=424.914-47.852
=377.06

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

Total Liabilities=Total Assets (Q: Dec. 2025 )-Total Equity (Q: Dec. 2025 )
=424.914-47.852
=377.06

* 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 Liabilities →
What does a Total Liabilities of $377.06 Mil mean?
Exchange Bancshares (EXCH) has a Total Liabilities of $377.06 Mil as of Dec. 2025. The total amount of liabilities as recorded on a company's balance sheet. View historical data for Exchange Bancshares and its competitors.
Is Exchange Bancshares' Total Liabilities too high?
Exchange Bancshares' current Total Liabilities is $377.06 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 Liabilities compare to LKSB and HCBC?
Exchange Bancshares' Total Liabilities of $377.06 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 Liabilities for a Banks company?
A good Total Liabilities depends on the Banks industry context. However, Total Liabilities 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 Liabilities mean?
A high Total Liabilities can signal that a stock is expensive relative to its fundamentals. The total amount of liabilities as recorded on a company's balance sheet. View historical data for Exchange Bancshares and its competitors. Exchange Bancshares's current Total Liabilities is $377.06 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 Liabilities is $377.06 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 Liabilities calculated?
Total Liabilities is calculated from a company's financial statements. For Exchange Bancshares (EXCH), the current Total Liabilities is $377.06 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 Liabilities: $377.06 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

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

$67.70
Price
$59.63
GF Value