Exchange Bank (Santa Rosa CA) Past Earnings Performance
Past criteria checks 1/6
Exchange Bank (Santa Rosa CA)'s earnings have been declining at an average annual rate of -10.9%, while the Banks industry saw earnings growing at 7.1% annually. Revenues have been declining at an average rate of 1.2% per year. Exchange Bank (Santa Rosa CA)'s return on equity is 4.3%, and it has net margins of 12.1%.
Key information
-10.9%
Earnings growth rate
-10.9%
EPS growth rate
| Banks Industry Growth | 11.2% |
| Revenue growth rate | -1.2% |
| Return on equity | 4.3% |
| Net Margin | 12.1% |
| Last Earnings Update | 30 Sep 2024 |
Recent past performance updates
No updates
Recent updates
Revenue & Expenses Breakdown
How Exchange Bank (Santa Rosa CA) makes and spends money. Based on latest reported earnings, on an LTM basis.
Earnings and Revenue History
| Date | Revenue | Earnings | G+A Expenses | R&D Expenses |
|---|---|---|---|---|
| 30 Sep 24 | 105 | 13 | 51 | 0 |
| 30 Jun 24 | 107 | 14 | 51 | 0 |
| 31 Mar 24 | 109 | 16 | 50 | 0 |
| 31 Dec 23 | 114 | 20 | 50 | 0 |
| 30 Sep 23 | 119 | 32 | 57 | 0 |
| 30 Jun 23 | 124 | 36 | 57 | 0 |
| 31 Mar 23 | 126 | 38 | 56 | 0 |
| 31 Dec 22 | 124 | 37 | 56 | 0 |
| 30 Sep 22 | 121 | 38 | 52 | 0 |
| 30 Jun 22 | 118 | 37 | 51 | 0 |
| 31 Mar 22 | 116 | 36 | 51 | 0 |
| 31 Dec 21 | 115 | 36 | 50 | 0 |
| 30 Sep 21 | 115 | 36 | 52 | 0 |
| 30 Jun 21 | 114 | 34 | 52 | 0 |
| 31 Mar 21 | 114 | 34 | 52 | 0 |
| 31 Dec 20 | 116 | 34 | 54 | 0 |
| 30 Sep 20 | 116 | 34 | 39 | 0 |
| 30 Jun 20 | 119 | 35 | 39 | 0 |
| 31 Mar 20 | 121 | 36 | 39 | 0 |
| 31 Dec 19 | 121 | 37 | 52 | 0 |
| 30 Sep 19 | 121 | 36 | 54 | 0 |
| 30 Jun 19 | 122 | 37 | 53 | 0 |
| 31 Mar 19 | 121 | 36 | 52 | 0 |
| 31 Dec 18 | 119 | 39 | 51 | 0 |
| 30 Sep 18 | 116 | 29 | 49 | 0 |
| 30 Jun 18 | 113 | 26 | 48 | 0 |
| 31 Mar 18 | 107 | 24 | 48 | 0 |
| 31 Dec 17 | 105 | 20 | 47 | 0 |
| 30 Sep 17 | 101 | 25 | 47 | 0 |
| 30 Jun 17 | 98 | 24 | 47 | 0 |
| 31 Mar 17 | 96 | 23 | 47 | 0 |
| 31 Dec 16 | 94 | 22 | 47 | 0 |
| 30 Sep 16 | 93 | 21 | 33 | 0 |
| 30 Jun 16 | 92 | 21 | 32 | 0 |
| 31 Mar 16 | 93 | 21 | 32 | 0 |
| 31 Dec 15 | 92 | 21 | 44 | 0 |
| 30 Sep 15 | 91 | 20 | 44 | 0 |
| 30 Jun 15 | 90 | 20 | 44 | 0 |
| 31 Mar 15 | 86 | 19 | 43 | 0 |
| 31 Dec 14 | 85 | 18 | 43 | 0 |
| 30 Sep 14 | 84 | 16 | 45 | 0 |
| 30 Jun 14 | 84 | 16 | 45 | 0 |
| 31 Mar 14 | 82 | 16 | 45 | 0 |
| 31 Dec 13 | 80 | 15 | 45 | 0 |
Quality Earnings: EXSR has high quality earnings.
Growing Profit Margin: EXSR's current net profit margins (12.1%) are lower than last year (27%).
Free Cash Flow vs Earnings Analysis
Past Earnings Growth Analysis
Earnings Trend: EXSR's earnings have declined by 10.9% per year over the past 5 years.
Accelerating Growth: EXSR's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: EXSR had negative earnings growth (-60.2%) over the past year, making it difficult to compare to the Banks industry average (-12.2%).
Return on Equity
High ROE: EXSR's Return on Equity (4.3%) is considered low.