Financials in USD. Standardized financial statements.
A compact view of how Exchange Bank (Santa Rosa, CA) turns revenue into operating income and net income.
| Metric | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue? | $155.61M | $148.10M | $114.15M | $125.58M | $118.95M | $121.21M | $125.91M | $121.73M | $106.66M | $94.40M |
| Revenue Growth? | +5.1% | +29.7% | -9.1% | +5.6% | -1.9% | -3.7% | +3.4% | +14.1% | +13.0% | 0.0% |
| Cost of Revenue? | $38.11M | $0 | $0 | $2.08M | $3.76M | $0 | $0 | $2.63M | $1.42M | $249,000 |
| Gross Profit? | $117.50M | $110.45M | $114.15M | $123.50M | $115.19M | $121.21M | $125.91M | $119.10M | $105.24M | $94.15M |
| Gross Margin? | +75.5% | +74.6% | +100.0% | +98.3% | +96.8% | +100.0% | +100.0% | +97.8% | +98.7% | +99.7% |
| Operating Expenses? | $78.55M | $76.87M | $49.51M | $73.42M | $64.65M | $53.84M | $23.61M | $65.61M | $61.67M | $59.48M |
| Operating Income? | $38.95M | $33.58M | $27.71M | $67.75M | $65.12M | $62.27M | $51.25M | $53.49M | $43.57M | $34.67M |
| EBITDA? | $38.95M | $33.58M | $29.99M | $52.33M | $53.06M | -$275,000 | -$450,000 | $53.49M | $43.57M | $34.67M |
| Income Before Tax | $38.95M | $33.58M | $27.71M | $50.09M | $50.55M | $47.47M | $50.80M | $53.49M | $43.57M | $34.67M |
| Income Tax Expense | $8.98M | $9.72M | $7.52M | $12.61M | $14.14M | $13.77M | $14.30M | $14.98M | $24.06M | $13.17M |
| Net Income? | $29.97M | $23.85M | $20.19M | $37.48M | $36.41M | $33.70M | $36.50M | $38.51M | $19.51M | $21.50M |
| EPS? | $17.48 | $13.91 | $11.78 | $21.86 | $21.24 | $19.66 | $21.29 | $22.46 | $11.38 | $12.54 |
| Diluted EPS? | $17.48 | $13.91 | $11.78 | $21.86 | $21.24 | $19.66 | $21.29 | $22.46 | $11.38 | $12.54 |
Revenue, profitability, margins, EPS, and share-count trends over time.
Top-line demand and scale over time
Profit left after direct production costs
Core business profitability before financing and tax
Bottom-line profit after all expenses
Profit allocated to each diluted share
Share count trend that affects EPS quality
Gross, operating, and net margin quality