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Exchange Bankshares, Inc (EXCH) Fair Value & Analysis

Financial Services · US · Market cap $39.9M

Price$67.70
Fair Value$110.44
Upside+63.1%
Quality95/100
Evidence: High Range $82.83 – $138.05

Fair value as of: Jun 26, 2026

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Analysis

Exchange Bankshares, Inc (EXCH) currently trades at $67.70, while our model-based Fair Value estimate is $110.44 — implying the stock looks roughly 63.1% undervalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high) — always confirm before acting.

About the company

Exchange Bankshares, Inc. operates as the holding company for Exchange Bank that provides personal and business banking products and services in Georgia. It offers checking and savings accounts; and mortgage, real estate, consumer, commercial, and home equity loans. The company also provides cash management, internet and mobile banking, travel club, bill payment, and merchant services, as well as credit cards. In addition, it offers investment management, financial advising, insurance and annuity products, retirement planning, retirement plan rollovers, business retirement plans, and life insurance services. The company was founded in 1903 and is based in Milledgeville, Georgia.

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Frequently asked questions

Is Exchange Bankshares, Inc (EXCH) undervalued?
As of Jun 26, 2026, our model estimates a fair value of $110.44 versus a price of $67.70 — about +63% (undervalued). Model-based estimate, not financial advice.
What is the fair value of EXCH?
Our 21-model fair value for Exchange Bankshares, Inc is $110.44 (as of Jun 26, 2026), built from audited fundamentals. The current price is $67.70.
What is the quality score of EXCH?
Exchange Bankshares, Inc has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.