Oxford Bank Corporation (OXBC)
OTHER OTC:OXBC
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Oxford Bank
(OTC:OXBC)
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Rating:79Outperform
Price Target:
$44.00
▲(7.32% Upside)
Action:N/ADate:10/02/25
The overall score of 79 is primarily driven by the company's solid financial foundation and strong bullish technical momentum. The company boasts a robust balance sheet with very low debt and excellent cash flow generation, indicating financial stability. This is complemented by a clear uptrend in the stock price, which is trading above all key moving averages. However, the score is moderated by concerns on the income statement, specifically slowing revenue growth and compressing profit margins, alongside a reasonable valuation.
Positive Factors
Revenue Growth
Consistent revenue growth indicates a strong market position and effective business strategies, supporting long-term financial health.
Negative Factors
Net Profit Margin Decline
A declining net profit margin suggests rising expenses or financial pressures, potentially impacting profitability and shareholder returns.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue Growth
Consistent revenue growth indicates a strong market position and effective business strategies, supporting long-term financial health.
Read all positive factors
Oxford Bank (OXBC) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$96.17M
Dividend YieldN/A
Average Volume (3M)299.00
Price to Earnings (P/E)9.2
Beta (1Y)-0.06
Revenue Growth5.99%
EPS Growth-3.42%
CountryUS
Employees161
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.93
Shares Outstanding2,289,052
10 Day Avg. Volume270
30 Day Avg. Volume299
Financial Highlights & Ratios
PEG Ratio-0.46
Price to Book (P/B)0.87
Price to Sales (P/S)1.44
P/FCF Ratio5.23
Enterprise Value/Market Cap-1.53
Enterprise Value/Revenue-2.66
Enterprise Value/Gross Profit-3.10
Enterprise Value/Ebitda-10.70
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
Oxford Bank Business Overview & Revenue Model
Company Description
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 c...
How the Company Makes Money
Oxford Bank generates revenue through multiple streams primarily centered around interest income and non-interest income. The bank earns interest income by extending loans to individuals and businesses, which involves charging interest on various ...
Oxford Bank Financial Statement Overview
Summary
Income Statement
58
Neutral
Balance Sheet
82
Very Positive
Cash Flow
88
Very Positive
| Breakdown | TTM | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 55.19M | 57.89M | 50.14M | 35.36M | 31.03M | 26.27M |
| Gross Profit | 47.35M | 48.05M | 44.61M | 33.44M | 29.72M | 24.30M |
| EBITDA | 13.72M | 14.61M | 16.30M | 11.03M | -14.19M | 9.57M |
| Net Income | 10.03M | 9.96M | 12.06M | 8.82M | 10.88M | 7.00M |
Balance Sheet | ||||||
| Total Assets | 859.50M | 811.20M | 816.67M | 792.65M | 750.87M | 699.15M |
| Cash, Cash Equivalents and Short-Term Investments | 0.00 | 46.27M | 82.92M | 121.55M | 170.85M | 50.21M |
| Total Debt | 15.93M | 18.78M | 15.75M | 15.71M | 15.68M | 51.02M |
| Total Liabilities | 754.76M | 713.23M | 732.08M | 722.95M | 688.14M | 644.15M |
| Stockholders Equity | 103.18M | 96.08M | 83.85M | 69.47M | 62.73M | 55.00M |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 15.89M | 9.68M | 0.00 | 0.00 | 6.60M |
| Operating Cash Flow | 0.00 | 17.28M | 14.79M | 0.00 | 0.00 | 6.90M |
| Investing Cash Flow | 0.00 | -36.21M | -46.86M | 0.00 | 0.00 | -225.28M |
| Financing Cash Flow | 0.00 | -18.71M | 2.63M | 0.00 | 0.00 | 182.44M |
Oxford Bank Technical Analysis
Neutral
41.00
Price Trends
42.09
Negative
41.40
Positive
38.70
Positive
Market Momentum
0.01
Positive
46.42
Neutral
40.32
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For OXBC, the sentiment is Neutral. The current price of 41 is below the 20-day moving average (MA) of 42.17, below the 50-day MA of 42.09, and above the 200-day MA of 38.70, indicating a neutral trend. The MACD of 0.01 indicates Positive momentum. The RSI at 46.42 is Neutral, neither overbought nor oversold. The STOCH value of 40.32 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for OXBC.
Oxford Bank Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
79 Outperform | $96.17M | 9.21 | 10.44% | ― | 5.99% | -3.42% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | $83.38M | 12.98 | 8.27% | 4.16% | 24.17% | 739.42% | |
63 Neutral | $117.16M | 15.00 | 6.26% | 2.12% | 2.27% | 66.15% | |
51 Neutral | $78.79M | -25.99 | -2.75% | 2.86% | 0.84% | ― |
* Financial Sector Average
OXBC
Oxford Bank
42.01
7.25
20.87%
AUBN
Auburn National Bancorporation
23.87
3.47
17.04%
LSBK
Lake Shore Bancorp
15.18
3.79
33.22%
PBHC
Pathfinder Bancorp
12.76
-2.82
-18.09%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.