Oxford Bank Corporation (OXBC)

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OXBC

Oxford Bank

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Oxford Bank (OXBC) Price & Analysis

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OXBC Stock Chart & Stats

$41.00

$0.05(0.15%)

At close: Jan 07 4:00 PM EST

$41.00

$0.05(0.15%)

Day’s Range― - ―

52-Week Range$33.15 - $43.00

Previous CloseN/A

Volume100.00

Average Volume (3M)299.00

Market Cap

$96.31M

Enterprise Value$108.97M

Total Cash (Recent Filing)$0.00

Total Debt (Recent Filing)$15.93M

Price to Earnings (P/E)17.0

Beta-0.06

Next Earnings

Jul 29, 2026

EPS EstimateN/A

Next Dividend Ex-DateN/A

Dividend YieldN/A

Share Statistics

EPS (TTM)4.08

Shares Outstanding2,289,052

10 Day Avg. Volume270

30 Day Avg. Volume299

Financial Highlights & Ratios

PEG Ratio0.96

Price to Book (P/B)0.92

Price to Sales (P/S)1.73

P/FCF Ratio6.43

Enterprise Value/Market Cap1.13

Enterprise Value/Revenue1.97

Enterprise Value/Gross Profit2.30

Enterprise Value/Ebitda7.94

Forecast

1Y Price TargetN/A

Price Target UpsideN/A

Rating ConsensusN/A

Number of Analyst Covering0

EPS Forecast (FY)N/A

Revenue Forecast (FY)N/A

Bulls Say, Bears Say

Bulls Say

Conservative, Improving LeverageOxford Bank's materially lower debt-to-equity and meaningful equity growth increase balance-sheet resilience and lending capacity. Lower leverage reduces default and funding risk, preserves capital flexibility for credit provisioning or strategic lending over the next several quarters.

Strong Cash GenerationHigh operating and free cash flow relative to net income indicates earnings quality and internal funding for loan growth or capital needs. Consistent cash conversion supports durable operations, reduces reliance on external funding, and underpins steady credit provision over 2–6 months.

Accelerating Revenue With Solid MarginsImproving top-line momentum alongside healthy operating and net margins signals sustainable core banking profitability. This mix suggests continued deposit-led funding and effective loan pricing, supporting predictable net interest income and stable earnings in the medium term.

Bears Say

Margin Compression Vs Prior YearsTrailing margin compression versus the 2021–2023 period reduces long-term earnings power per asset dollar. If competitive pressure on yields or higher funding costs persist, sustaining prior ROE and cash returns will be harder, pressuring reinvestment and dividend capacity.

Inconsistent Earlier Cash-flow ReportingGaps and inconsistency in earlier cash-flow reports weaken confidence in historical trend analysis and forecasting. This makes it harder to judge cyclicality of cash conversion or stress periods, increasing model risk for medium-term capital and liquidity planning.

Lower Returns On Equity Vs PeakA structurally lower ROE indicates reduced efficiency of capital deployment versus prior peak performance. Persistently lower ROE can limit internal capital generation for growth and reduce strategic options unless offset by higher scale, improved margins, or capital actions.

OXBC FAQ

What was Oxford Bank Corporation’s price range in the past 12 months?

Oxford Bank Corporation lowest stock price was $33.15 and its highest was $43.00 in the past 12 months.

What is Oxford Bank Corporation’s market cap?

Oxford Bank Corporation’s market cap is $96.31M.

When is Oxford Bank Corporation’s upcoming earnings report date?

Oxford Bank Corporation’s upcoming earnings report date is Jul 29, 2026 which is in 73 days.

How were Oxford Bank Corporation’s earnings last quarter?

Oxford Bank Corporation released its earnings results on May 11, 2026. The company reported $0.618 earnings per share for the quarter, beating the consensus estimate of N/A by $0.618.

Is Oxford Bank Corporation overvalued?

According to Wall Street analysts Oxford Bank Corporation’s price is currently Overvalued. Get more investment ideas with TipRanks Premium

Does Oxford Bank Corporation pay dividends?

Oxford Bank Corporation does not currently pay dividends.

What is Oxford Bank Corporation’s EPS estimate?

Oxford Bank Corporation’s EPS estimate for its next earnings report is not yet available.

How many shares outstanding does Oxford Bank Corporation have?

Oxford Bank Corporation has 2,289,052 shares outstanding.

What happened to Oxford Bank Corporation’s price movement after its last earnings report?

Oxford Bank Corporation reported an EPS of $0.618 in its last earnings report, beating expectations of N/A. Following the earnings report the stock price went up 0.096%.

Which hedge fund is a major shareholder of Oxford Bank Corporation?

Currently, no hedge funds are holding shares in OXBC

What is the TipRanks Smart Score and how is it calculated?

Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology

Company Description

Oxford Bank Corporation

Oxford Bank Corporation provides banking products and services to various customers in Michigan. Its deposit products include savings, checking, and individual retirement accounts, as well as certificates of deposit. The company's loan portfolio comprises home mortgage, home equity, auto, student, term, commercial real estate, and small business administration loans, as well as lines of credit. It also offers cash management, merchant card, remote deposit capture, payroll, overdraft protection, wire transfer, night depository, and notary services, as well as safe deposit box and interactive teller machine services; online, telephone, and mobile banking services; debit and credit cards; and insurance products. The company operates its branches in Clarkston, Davison, Dryden, Lake Orion, Ortonville, Oxford, and Oakland. Oxford Bank Corporation was founded in 1884 and is based in Oxford, Michigan.