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Exchange Bank, a community bank, (EXSR) Fair Value & Analysis

Financial Services · US · Market cap $291M

Price$166.82
Fair Value$227.25
Upside+36.2%
Quality95/100
Evidence: High Range $170.44 – $284.06

Fair value as of: Jun 26, 2026

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Analysis

Exchange Bank, a community bank, (EXSR) currently trades at $166.82, while our model-based Fair Value estimate is $227.25 — implying the stock looks roughly 36.2% 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 Bank, a community bank, provides a range of personal, commercial, and trust and investment management services in California. The company offers personal banking products and services, including checking and savings accounts; home loans, personal lines of credit, unsecured personal loans, and auto loans; overdraft line of credit accounts; and credit cards. It also provides business banking products and services, such as business checking and savings accounts; merchant services, including Clover point-of-sale (POS) systems; and business term loans, business line of credit, construction and commercial real estate, and small business administration (SBA) loans, as well as vineyard, winery, and agricultural loans. In addition, it offers online and mobile banking services; and trust administration, investment management, and estate settlement services, as well as retirement accounts and plans. The company was incorporated in 1890 and is headquartered in Santa Rosa, California. E…

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Frequently asked questions

Is Exchange Bank, a community bank, (EXSR) undervalued?
As of Jun 26, 2026, our model estimates a fair value of $227.25 versus a price of $166.82 — about +36% (undervalued). Model-based estimate, not financial advice.
What is the fair value of EXSR?
Our 21-model fair value for Exchange Bank, a community bank, is $227.25 (as of Jun 26, 2026), built from audited fundamentals. The current price is $166.82.
What is the quality score of EXSR?
Exchange Bank, a community bank, 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.