Stock fact sheet · data as of
Exchange Bank (Santa Rosa, CA) (EXSR): fair value, margin of safety and Wheel Score
Ticker symbol EXSR · Financial Services · Banks - Regional · United States · Speculative
Is EXSR undervalued?
EXSR closed at 154.99 on 5 Nov 2026, 25% below the GLS average fair value of 208.01 from 9 models (6 of them above the price). That is a moderate margin of safety: the stock passes the "below fair value" Wheel Trade Filter, with room for a bigger discount on the Value part.
The 9 models disagree widely: GLS Growth gives 28.42 while 10 Cap gives 358.93. A spread that wide means the average is sensitive to which methods you trust; the model table below shows where each one lands, and the Quote page lets you switch any of them off.
The nightly engine files EXSR under Speculative - it is losing money or its Piotroski health score is 3 or lower - which caps its Wheel Score at 45 and keeps it out of the Sunday Scan.
Nine valuation models for EXSR
Each model turns the latest filed numbers into a value per share; the GLS fair value is the simple average of the ones that produce a positive number. The last two rows are shown for reference and never enter the average. The Quote page lets you switch any model off and add your own margin of safety.
| Model | Value | vs price | What it measures |
|---|---|---|---|
| DCF | 292.91 | +89% | Present value of the projected free cash flows, discounted at the cost of capital |
| Graham Number | 297.03 | +92% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 305.15 | +97% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 75.66 | -51% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 28.42 | -82% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | 358.93 | +132% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | 225.82 | +46% | Eight years of compounded free cash flow: the price at which the business pays for itself |
| DDM | 77.99 | -50% | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend |
| EPV | 210.16 | +36% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | -1,615.41 | -1142% | Current assets less all liabilities, per share: the balance-sheet floor. Not in the average |
| Wall St target | 0.0000 | -100% | Analysts' average 12-month price target. Not in the average |
Quality and financial health
Financial health is weak: EXSR passes 3 of the nine Piotroski tests. Our scans drop the stock at the health filter; a low score is often the reason a stock looks cheap on the valuation models. The GLS Moat score is 7.0 out of 10: a record that is solid on some of the four parts the score weighs (returns on capital, pricing power, lasting growth, balance sheet) and weaker on others.
Returns on capital are moderate - ROIC 7.7%, ROE 8.6%, ROA 0.9% - with debt at 0.12 times equity and negative free cash flow.
The dividend yield is 3.42% at a payout ratio of 0%; for a wheel trader holding assigned shares the dividend adds to the covered-call premium, and the ex-dividend date is worth knowing before a call is sold.
Institutional ownership scores 5/10, insider activity 5/10 and Congressional trading 5/10 on the GLS smart-money scales.
| Piotroski F-score | 3 / 9 | ROIC | 7.7% |
|---|---|---|---|
| GLS Moat | 7.0 / 10 | ROE | 8.6% |
| Debt / equity | 0.12 | ROA | 0.9% |
| Free-cash-flow yield | 0.0% | Payout ratio | 0% |
| Institutions | 5 / 10 | Insiders · Congress | 5 · 5 / 10 |
Wheel Score 29: No options
EXSR has no listed options in the nightly snapshot, so there is nothing to sell and the stock cannot be wheeled however good the business. It fails the first Wheel Trade Filter (options that actually trade), so the score stays under 70 and is shown as "No options" (29 here). The valuation and quality numbers still apply to owning the shares outright.
Volume runs at 2k shares a day on a market cap of $266M, with a beta of 0.18 - a low beta, so day-to-day moves are smaller than the market's; the Stability part of the Wheel Score rates that fair.
| Filter | Wheel Trade Filter | Result | Detail |
|---|---|---|---|
| 1 | Options that actually trade | Fails | no listed options |
| 2 | A real business, not a gamble | Fails | speculative (a loss, or a weak Piotroski score) |
| 3 | Below fair value | Passes | Trading below the nine-model average fair value (margin of safety above 0) |
| 4 | Financially healthy | Fails | Piotroski 3/9 (under 6) |
| 5 | Can repay its debt | Passes | Long-term debt repaid from 3 years of operating cash flow or less (6 for real estate and utilities; banks and insurers are not judged on it) |
| 6 | No serious red flags | Passes | Red Flags score 60 or more out of 100 (earnings, margins, debt, analysts, filings and price checked the same way for every stock) |
| 7 | A premium worth selling | Fails | no implied volatility |
| 8 | Big enough | Fails | market cap $266M (under $1.0B) |
| 9 | Not a penny stock | Passes | Share price $5 or more |
| How it ranks | Rating | From | |
|---|---|---|---|
| Value | Strong | 25% below fair value | |
| Premium | Weak | no option data | |
| Moat | Good | moat 7.0/10 | |
| Health | Weak | Piotroski 3/9 | |
| Red Flags | Fair | not scored yet - half marks | |
| Option trading | Weak | no option volume data | |
| Stability | Fair | beta 0.18, $266M company |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls: a stock must pass all 9 Wheel Trade Filters to score 70, and the score then ranks the ones that pass; the Sunday Scan is the top 10. It is updated nightly and is not a recommendation. How the Wheel Score works · the walkthrough lesson shows how it fits into a trade, start to finish.
Upcoming events
No upcoming earnings date is recorded for EXSR in the nightly calendar.
Earnings, dividend, IPO, split and economic calendars for the whole market, filterable to your watchlists.
Similar stocks in Banks - Regional
The 12 companies below are the closest to Exchange Bank (Santa Rosa, CA) by market cap within the Banks - Regional industry, each with its own fact sheet; the Compare page puts up to eight of them side by side.
| Stock | Close | Fair value | MoS | Wheel | Mkt cap |
|---|---|---|---|---|---|
| FBLA FB Bancorp, Inc. Common Stock | 17.02 | 16.40 | -4% | 17No options | $271M |
| NKSH National Bankshares, Inc. | 40.61 | 46.13 | +12% | 25No options | $259M |
| CMTV Community Bancorp | 45.96 | 50.73 | +9% | 30No options | $258M |
| FFMH First Farmers and Merchants Corporation | 65.00 | 79.57 | +18% | 29No options | $257M |
| HWBK Hawthorn Bancshares, Inc. | 40.07 | 53.47 | +25% | 32No options | $277M |
| RMBI Richmond Mutual Bancorporation, Inc. | 15.83 | 11.94 | -33% | 18No options | $254M |
| WNEB Western New England Bancorp, Inc. | 14.05 | 13.59 | -3% | 35Weak | $279M |
| BCBP BCB Bancorp, Inc. | 9.10 | 17.92 | +49% | 42Weak | $280M |
| EFSI Eagle Financial Services, Inc. | 46.45 | 36.14 | -29% | 21No options | $251M |
| LYBC Lyons Bancorp Inc. | 73.50 | 112.94 | +35% | 33No options | $249M |
| FFBB FFB Bancorp | 87.30 | 168.34 | +48% | 36No options | $248M |
| FXNC First National Corporation | 31.52 | 33.83 | +7% | 23No options | $285M |
⚖ Compare EXSR with 7 of them All Financial Services stocks →
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Start free See the Sunday ScanQuestions about EXSR
Is EXSR undervalued right now?
By the GLS models, moderately: at 154.99 the stock trades 25% below the average fair value of 208.01 (data as of 5 Nov 2026).
What is the Wheel Score of EXSR and what does it mean?
EXSR has no listed options in our nightly snapshot, so it cannot be wheeled; it fails the first Wheel Trade Filter (options that actually trade), stays under 70 and is shown as "No options".
What is the GLS fair value for EXSR?
208.01 per share as of 5 Nov 2026 - the simple average of the 9 valuation models (out of nine: DCF, Graham Number, Graham Growth, Lynch, GLS Growth, 10 Cap, Payback Time, DDM and EPV) that produced a positive value. The models run every night on the latest filings; the Quote page lets you switch any of them off and add a margin of safety of your own.
When does Exchange Bank (Santa Rosa, CA) report earnings next?
No upcoming earnings date is recorded for EXSR in our calendar as of 5 Nov 2026; the Calendars page is refreshed every morning.
Does EXSR have listed options, and how liquid are they?
No. The nightly options snapshot found no listed contracts on EXSR, so the wheel strategy cannot be run on it and the Wheel Score stays under 70.