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Exchange Bank (Santa Rosa, CA)
EXSRFinancial ServicesOTCUS
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Estimates, scoring, valuation assumptions, and peer comparison in one research surface.
Change the assumptions to see how revenue growth, margins, and exit multiples can move fair value.
| Year | Revenue | Margin | Profit | Free cash flow | Present value |
|---|---|---|---|---|---|
| 2026 | $155.61M | 19.3% | $30.03M | $21.78M | N/A |
| 2027 | $171.17M | 19.3% | $33.04M | $23.96M | $21.78M |
| 2028 | $188.28M | 19.3% | $36.34M | $26.36M | $21.78M |
| 2029 | $207.11M | 19.3% | $39.97M | $29.00M | $21.78M |
| 2030 | $227.82M | 19.3% | $43.97M | $31.90M | $21.78M |
| 2031 | $250.61M | 19.3% | $48.37M | $35.08M | $21.78M |
Projects EPS forward, applies an exit P/E, then discounts the result back to today.
| Base EPS | $17.48 | 2025-12-31 |
| EPS growth | +25.7% | Forecast years: 5 |
| Future EPS | $54.855 | EPS × (1 + G)^5 |
| Base P/E | 7.4 | P/E |
| Future price | $405.93 | Future EPS × P/E |
| Fair value today | $252.05 | PV @ 10.0% |
| 30% safety price | $176.43 | Margin of safety |
| 50% safety price | $126.02 | Margin of safety |
| Discount rate \\ Terminal growth | 1.5% | 2.5% | 3.5% |
|---|---|---|---|
| 9.0% | $1,346.98 | $1,385.64 | $1,438.36 |
| 10.0% | $1,307.93 | $1,336.43 | $1,373.71 |
| 11.0% | $1,277.15 | $1,298.86 | $1,326.35 |