Exchange Bank (Santa Rosa, CA)
FAIR PRICE VALUATION
Updated daily
Model: DCF 50% · Relative 30% · Consensus 20%
MARKET PRICE
$148.10
FAIR PRICE
$181.65
MARGIN
$33.55
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FPI RATING
Attractive valuation and strong profitability, but volatile earnings pattern.
Analytical data, not an investment recommendation. Updated daily.
How we calculate this ↗MARGIN OF SAFETY
A 20% margin of safety below fair value — the conservative entry level for risk-aware investors.
SAFETY MARGIN
20%
Below fair value
ENTRY LEVEL
$145.32
Fair price × 0.80
DISTANCE
1.9%
Price to entry level
At the current price of $148.10, EXSR trades 1.9% above the conservative entry level of $145.32. This entry level represents a 20% margin of safety below the calculated fair price of $181.65 — a buffer that accounts for estimation uncertainty in the valuation model.
Margin of safety is a risk management concept, not an investment recommendation. The 20% threshold follows Benjamin Graham's value investing framework. Fair price and entry levels are model-based estimates updated daily. Learn more about Margin of Safety ↗
VALUATION HISTORY
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P/E RATIO HISTORY
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METHODOLOGY
How we calculate EXSR's fair price
Exchange Bank (Santa Rosa, CA)'s fair price of $181.65 is derived from a blended model that combines DCF analysis (50%), relative valuation against Financial Services peers using metrics like P/E and EV/EBITDA (30%), and analyst consensus (20%). At the current market price of $148.10, EXSR trades 22.7% below its calculated fair value.
DCF MODEL · 50%
Discounted free cash flow analysis based on projected cash flows, discounted at a rate reflecting EXSR's risk profile.
RELATIVE · 30%
Comparing EXSR's valuation multiples against Financial Services peers to determine if the stock is over or undervalued relative to its industry.
ANALYST · 20%
Aggregated analyst price targets for EXSR, weighted by recency and analyst accuracy.
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Want to test your own assumptions? Use our free calculators to estimate EXSR's fair value with your own inputs.
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What is the fair price of EXSR?+
Based on our blended model combining DCF analysis (50%), relative valuation against Financial Services peers (30%), and analyst consensus (20%), the fair price for Exchange Bank (Santa Rosa, CA) is $181.65. At the current market price of $148.10, EXSR trades 22.7% below its calculated fair value.
Is EXSR overvalued or undervalued?+
Exchange Bank (Santa Rosa, CA) is currently undervalued based on our valuation model. The stock trades at $148.10, which is 22.7% below the fair price of $181.65. The P/E ratio of 12.0x is a key metric in the valuation.
What is the margin of safety for EXSR?+
With a 20% margin of safety applied to the fair price of $181.65, the conservative entry level for EXSR is $145.32. At the current market price of $148.10, the stock trades 1.9% above this entry level. Margin of safety is a risk management concept from Benjamin Graham's value investing framework, not an investment recommendation.
How often is EXSR's fair price updated?+
We update fair price calculations for EXSR daily after market close. The current fair price of $181.65 incorporates the latest market data and sector multiples.
What factors affect EXSR's fair price calculation?+
EXSR's fair price of $181.65 is derived from DCF analysis (50% weight), relative valuation against Financial Services peers (30% weight), and analyst consensus (20% weight). Key metrics include P/E of 12.0x, ROE of 10.1%, and dividend yield of 3.51%.
Is EXSR a good buy right now?+
At $148.10, EXSR trades 22.7% below our fair value estimate of $181.65. The stock is currently undervalued. ROE stands at 10.1% (average). Fair Price Index provides valuation data — always do your own research before investing.
Does EXSR pay dividends?+
EXSR has a dividend yield of 3.51%.
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Fair Price Index is for informational purposes only and does not constitute investment advice. Fair value calculations are model-based estimates and may not reflect actual market conditions. Always conduct your own research before making investment decisions.