Exchange BancsharesEXCH 50 5-Year Yield-on-Cost % is 3.84 as of Jul. 08, 2026, which is 2% below its 10-year median of 3.90. GuruFocus rates EXCH with a GF Score™ of 50/100 and a GF Value™ of $59.81 (Modestly Overvalued). The stock has 3 warning signs investors should review. Among 1,254 Banks companies, Exchange Bancshares ranks worse than 51.12% on this metric.
Exchange Bancshares's yield on cost for the quarter that ended in Dec. 2025 was 3.84.
The historical rank and industry rank for Exchange Bancshares's 5-Year Yield-on-Cost % or its related term are showing as below:
EXCH'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 2.89 Med: 3.9 Max: 5.54
Current: 3.84
During the past 10 years, Exchange Bancshares's highest Yield on Cost was 5.54. The lowest was 2.89. And the median was 3.90.
EXCH's 5-Year Yield-on-Cost % is ranked worse than 51.12% of 1254
companies
in the Banks industry
Industry Median: 3.905
vs EXCH: 3.84
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
Exchange Bancshares 5-Year Yield-on-Cost % Related Terms
EXCH vs FMFP, ANDC, KFFB: 5-Year Yield-on-Cost % Comparison
For the Banks - Regional subindustry, Exchange Bancshares's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, Exchange Bancshares's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where Exchange Bancshares's 5-Year Yield-on-Cost % falls into.
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
Exchange Bancshares (EXCH) has a 5-Year Yield-on-Cost % of 3.84 as of Jul. 08, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Exchange Bancshares and its competitors. This is near median its historical median of 3.90. Over the past decade, Exchange Bancshares' 5-Year Yield-on-Cost % has ranged from 2.89 to 5.54. According to the industry distribution chart, Exchange Bancshares ranks #641 out of 1254 companies in the Banks industry, placing it in the top 51.1%.
Is Exchange Bancshares' 5-Year Yield-on-Cost % too high?
Exchange Bancshares' current 5-Year Yield-on-Cost % of 3.84 is near median its 10-year median of 3.90. Over the past 10 years, this metric has ranged from a low of 2.89 to a high of 5.54. The Banks industry median 5-Year Yield-on-Cost % is 3.91. Exchange Bancshares' value of 3.84 is 1.7% below this industry median. Based on the distribution chart, Exchange Bancshares ranks #641 out of 1254 companies in the Banks industry, which is below the industry midpoint. 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' 5-Year Yield-on-Cost % compare to FMFP and ANDC?
According to the Banks industry distribution chart, Exchange Bancshares ranks #641 out of 1254 companies for 5-Year Yield-on-Cost %. This places Exchange Bancshares in the lower half of its industry. The industry median 5-Year Yield-on-Cost % is 3.91. Exchange Bancshares' value of 3.84 is 1.7% below this benchmark. Historically, Exchange Bancshares' own 5-Year Yield-on-Cost % has ranged from 2.89 to 5.54 over the past decade. While the company's 10-year median is 3.90 vs. the industry median of 3.91, 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 5-Year Yield-on-Cost % for a Banks company?
The median 5-Year Yield-on-Cost % among Banks companies is 3.91, based on 1,254 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Exchange Bancshares's current 5-Year Yield-on-Cost % of 3.84 is 1.7% 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Exchange Bancshares and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.91 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Exchange Bancshares's current 5-Year Yield-on-Cost % is 3.84, which is near median its own 10-year median of 3.90. 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 $59.81, compared to a current price of $67.70 — trading 13.2% above its estimated fair value. The current 5-Year Yield-on-Cost % is 3.84, which is near median its 10-year median of 3.90 and 1.7% below the Banks industry median of 3.91. 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 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For Exchange Bancshares (EXCH), the current 5-Year Yield-on-Cost % is 3.84 as of Jul. 08, 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 $67.70 is trading 13.2% above its estimated GF Value™ of $59.81.
GuruFocus considers Exchange Bancshares to be Modestly Overvalued.
Key valuation signals for EXCH:
5-Year Yield-on-Cost %: 3.84 (near median its 10-year median of 3.90)
GF Value™: $59.81 vs. price of $67.70 (13.2% above fair value)
Industry Position: 1.7% below the Banks median (#641 of 1254)
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.
50GF Score
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