Is Exchange Bankshares, Inc. (EXCH) a Buy, Sell, or Hold?
OTC : EXCH
Exchange Bankshares, Inc.
$66 USD
-$3 (-4.35%)
- Volume
- 200
- Average Volume
- 217
- Market Capitalization
- $38.85M
- P/E Ratio
- 0.00
- Dividend Yield
- 2.42%
- Price Target
- Year High
- $70.00
- Year Low
- $50.51
- Day High
- —
- Day Low
- —
- Payout Ratio
- $0.18
- Current Ratio
- $0.02
EXCH Financial Statements
| date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 |
|---|---|---|---|---|---|---|---|
| revenue | 24.13M | 16.02M | 17.43M | 14.9M | 14.04M | 14.42M | 13.12M |
| costOfRevenue | 5.66M | - | 2.77M | 596.96K | 724.34K | 1.17M | 1.27M |
| grossProfit | 18.47M | 16.02M | 14.66M | 14.31M | 13.32M | 13.25M | 11.85M |
| researchAndDevelopmentExpenses | - | - | - | - | - | - | - |
| generalAndAdministrativeExpenses | - | - | - | - | - | - | - |
| sellingAndMarketingExpenses | - | - | - | - | - | - | - |
| sellingGeneralAndAdministrativeExpenses | - | - | 2.84M | - | - | - | - |
| otherExpenses | 12.18M | 10.33M | 6.66M | 10.01M | 9.03M | 9.27M | 7.74M |
| operatingExpenses | 12.18M | 10.33M | 9.5M | 10.01M | 9.03M | 9.27M | 7.74M |
| costAndExpenses | 17.84M | 10.33M | 12.27M | 10.61M | 9.76M | 10.44M | 9.01M |
| netInterestIncome | 16.41M | 13.94M | 12.73M | 11.66M | 10.61M | 10.19M | 9.78M |
| interestIncome | 22.07M | 18.96M | 15.49M | 12.25M | 11.33M | 11.36M | 11.06M |
| interestExpense | 5.66M | 5.02M | 2.77M | 596.96K | 724.34K | 1.17M | 1.27M |
| depreciationAndAmortization | 1.55M | 1.57M | 1.52M | 1.07M | 480.2K | 461.57K | 450.78K |
| ebitda | 7.83M | - | 6.68M | 5.37M | 4.77M | 4.44M | 4.56M |
| ebit | 6.29M | -1.57M | 5.16M | 4.3M | 4.29M | 3.98M | 4.11M |
| nonOperatingIncomeExcludingInterest | - | 7.25M | - | - | - | - | - |
| operatingIncome | 6.29M | 5.69M | 5.16M | 4.3M | 4.29M | 3.98M | 4.11M |
| totalOtherIncomeExpensesNet | - | 4573 | - | - | - | - | - |
| incomeBeforeTax | 6.29M | 5.69M | 5.16M | 4.3M | 4.29M | 3.98M | 4.11M |
| incomeTaxExpense | 1.29M | 1.2M | 1.06M | 790.82K | 875.48K | 811.1K | 938.83K |
| netIncomeFromContinuingOperations | 5M | 4.49M | 4.1M | 3.51M | 3.41M | 3.17M | 3.17M |
| netIncomeFromDiscontinuedOperations | - | - | - | - | - | - | - |
| otherAdjustmentsToNetIncome | - | - | - | - | - | - | - |
| netIncome | 5M | 4.49M | 4.1M | 3.51M | 3.41M | 3.17M | 3.17M |
| netIncomeDeductions | - | - | - | - | - | - | - |
| bottomLineNetIncome | 5M | 4.49M | 4.1M | 3.51M | 3.41M | 3.17M | 3.17M |
| eps | - | 7.53 | 6.83 | 5.78 | 5.62 | 5.18 | 5.1 |
| date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 |
|---|---|---|---|---|---|---|---|
| cashAndCashEquivalents | 7.98M | 9.24M | 7.71M | 8.65M | 37.43M | 20.19M | 22.11M |
| shortTermInvestments | - | - | - | - | - | - | - |
| cashAndShortTermInvestments | 7.98M | 9.24M | 7.71M | 8.65M | 37.43M | 20.19M | 22.11M |
| netReceivables | - | 1.8M | 1.73M | 1.44M | 1.34M | 1.22M | 1.06M |
| accountsReceivables | - | 1.8M | 1.73M | 1.44M | 1.34M | 1.22M | 1.06M |
| otherReceivables | - | - | - | - | - | - | - |
| inventory | - | - | - | - | - | - | - |
| prepaids | - | - | - | - | - | - | - |
| otherCurrentAssets | - | - | - | - | - | - | - |
| totalCurrentAssets | 7.98M | 11.03M | 9.44M | 10.09M | 38.76M | 21.4M | 23.17M |
| propertyPlantEquipmentNet | 8.94M | 5.47M | 5.63M | 5.47M | 5.89M | 6.24M | 6.32M |
| goodwill | - | - | - | - | - | - | - |
| intangibleAssets | - | - | - | - | - | - | - |
| goodwillAndIntangibleAssets | - | - | - | - | - | - | - |
| longTermInvestments | 266.32M | 233.79M | 210.03M | 193.42M | 162.25M | 169.93M | 150.45M |
| taxAssets | - | - | - | - | - | - | - |
| otherNonCurrentAssets | 141.67M | 144.53M | 148.74M | 154.06M | 158.5M | 118.79M | 79.58M |
| totalNonCurrentAssets | 416.94M | 383.79M | 364.4M | 352.94M | 326.64M | 294.96M | 236.35M |
| otherAssets | - | - | - | - | - | - | - |
| totalAssets | 424.91M | 394.82M | 373.84M | 363.04M | 365.4M | 316.37M | 259.52M |
| totalPayables | 725.31K | 416.35K | 500.02K | 88405 | 78674 | 128.66K | 175.13K |
| accountPayables | 725.31K | 416.35K | 500.02K | 88405 | 78674 | 128.66K | 175.13K |
| otherPayables | - | - | - | - | - | - | - |
| accruedExpenses | - | - | - | - | - | - | - |
| shortTermDebt | - | - | - | - | - | - | - |
| capitalLeaseObligationsCurrent | - | - | - | - | - | - | - |
| taxPayables | - | - | - | - | - | - | - |
| deferredRevenue | - | - | - | - | - | - | - |
| otherCurrentLiabilities | 343.11M | 325.45M | 314.36M | 321.57M | 324.68M | 275.49M | 221.81M |
| totalCurrentLiabilities | 343.83M | 325.87M | 314.86M | 321.65M | 324.75M | 275.61M | 221.99M |
| longTermDebt | 31M | 25M | 19.5M | - | - | 113.4K | 119.01K |
| capitalLeaseObligationsNonCurrent | - | - | - | - | - | - | - |
| deferredRevenueNonCurrent | - | - | - | - | - | - | - |
| deferredTaxLiabilitiesNonCurrent | - | - | - | - | - | - | - |
| otherNonCurrentLiabilities | 2.23M | 678.32K | 693.28K | 6.27M | 381.01K | 361.42K | 881.62K |
| totalNonCurrentLiabilities | 33.23M | 25.68M | 20.19M | 6.27M | 381.01K | 474.82K | 1M |
| otherLiabilities | - | - | - | - | - | - | - |
| capitalLeaseObligations | - | - | - | - | - | - | - |
| totalLiabilities | 377.06M | 351.55M | 335.06M | 327.93M | 325.14M | 276.09M | 222.99M |
| treasuryStock | -1.06M | -697.05K | -697.05K | -197.05K | -197.05K | -43150 | - |
| preferredStock | - | - | - | - | - | - | - |
| commonStock | 1.53M | 1.53M | 1.53M | 1.53M | 1.53M | 1.53M | 1.53M |
| retainedEarnings | 40.56M | 36.46M | 32.83M | 29.5M | 26.67M | 23.89M | 21.32M |
| additionalPaidInCapital | 12.9M | 12.9M | 12.9M | 12.9M | 12.9M | 12.9M | 12.9M |
| date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 |
|---|---|---|---|---|---|---|---|
| netIncome | 5M | 4.49M | 4.1M | 3.51M | 3.41M | 3.17M | 3.17M |
| depreciationAndAmortization | 1.55M | 1.57M | 1.52M | 1.07M | 480.2K | 461.57K | 450.78K |
| deferredIncomeTax | - | - | -119.49K | -217.64K | -47994 | - | 296.77K |
| stockBasedCompensation | - | - | - | - | - | - | - |
| changeInWorkingCapital | 59913 | -410.52K | 570.33K | -216.52K | -362.98K | -377.14K | -9269 |
| accountsReceivables | -114.75K | -70104 | - | - | - | - | - |
| inventory | - | - | - | - | - | - | - |
| accountsPayables | - | - | - | - | - | - | - |
| otherWorkingCapital | 174.66K | -340.42K | 570.33K | -216.52K | -362.98K | -377.14K | - |
| otherNonCashItems | 1.56M | -691.79K | 165.85K | 828.64K | 273.72K | 371.92K | 39434 |
| netCashProvidedByOperatingActivities | 8.17M | 4.96M | 6.24M | 4.97M | 3.75M | 3.62M | 3.95M |
| investmentsInPropertyPlantAndEquipment | -3.9M | -268.97K | -520.85K | -168.39K | -165.56K | -380.62K | -488.02K |
| acquisitionsNet | - | - | - | - | -13.62M | -17.15M | - |
| purchasesOfInvestments | - | - | - | -15.36M | -73.37M | -63.41M | -38.67M |
| salesMaturitiesOfInvestments | 5.18M | 5.37M | 4.74M | 9.93M | 30.87M | 25.74M | 30.94M |
| otherInvestingActivities | -31.76M | -25.43M | -16.88M | -1.41M | 365.98K | 1.63M | -864.86K |
| netCashProvidedByInvestingActivities | -30.48M | -20.33M | -12.66M | -7.01M | -55.93M | -53.57M | -9.08M |
| netDebtIssuance | 6M | 5.5M | 13.56M | 5.94M | -113.4K | -5616 | - |
| longTermNetDebtIssuance | 6M | 5.5M | 19.5M | - | - | - | - |
| shortTermNetDebtIssuance | - | - | -5.94M | 5.94M | -113.4K | -5616 | - |
| netStockIssuance | -362.02K | - | -500K | - | -153.9K | -43150 | -580.27K |
| netCommonStockIssuance | -362.02K | - | -500K | - | -153.9K | -43150 | -580.27K |
| commonStockIssuance | - | - | - | - | - | - | - |
| commonStockRepurchased | -362.02K | - | -500K | - | -153.9K | -43150 | -580.27K |
| netPreferredStockIssuance | - | - | - | - | - | - | - |
| netDividendsPaid | -900.81K | -859.17K | -770.18K | -679.56K | -632.41K | -586.84K | -548.09K |
| commonDividendsPaid | -900.81K | -859.17K | -770.18K | -679.56K | -632.41K | -586.84K | -548.09K |
| preferredDividendsPaid | - | - | - | - | - | - | - |
| otherFinancingActivities | 19M | 11.09M | -7.2M | -3.11M | 49.19M | 53.67M | 5.82M |
| netCashProvidedByFinancingActivities | 23.74M | 15.73M | 5.09M | 2.15M | 48.29M | 53.04M | 4.69M |