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Oxford Bank (OXBC) Stock Price & Analysis

18 Followers

OXBC Stock Chart & Stats

$50.50$0.00(0.00%)
At close: 4:00 PM EST
$45$47.5$50Aug 10Aug 24Sep 4Sep 21Oct 5Oct 19Nov 2
Day’s Range
$50.50 - $50.50
52-Week Range
$40.05 - $50.50
Previous Close
$50.50
Volume
N/A
Average Volume (3M)
417
Market Cap
$125.05M
Enterprise Value
$63.71M
Total Cash (Recent Filing)
$34.62M
Total Debt (Recent Filing)
$39.84M
Price to Earnings (P/E)
12.1
Beta
-0.09
Next Earnings
Jan 28, 2027 (Est.)
EPS Estimate
N/A
Next Dividend Ex-Date
N/A
Dividend Yield
N/A

Bulls Say, Bears Say

Bulls Say

Accelerating Revenue Growth

Improving revenue growth indicates stronger business activity and expanding earnings capacity for the community bank. If sustained, higher loan and asset-based income can support reinvestment, operating leverage, and a more durable foundation for profitability over the next several quarters.

Conservative Balance Sheet

Declining leverage and meaningful equity growth strengthen Oxford Bank’s balance-sheet capacity. A more conservatively funded position can improve resilience, preserve lending flexibility, and reduce financial strain during changing credit or interest-rate conditions over the medium term.

Strong Recent Cash Generation

Recent operating and free cash flow demonstrate that reported earnings are converting effectively into cash, with free cash flow near 93% of net income. That conversion supports capital flexibility and gives the bank greater capacity to fund operations and strategic needs internally.

Bears Say

Margin Compression

Lower margins than in prior peak years indicate that Oxford Bank’s profitability is not currently as robust as its historical best. Continued compression could reduce earnings capacity, limit internal capital accumulation, and make results more sensitive to funding and credit conditions.

Lower Return On Equity

Stable but lower return on equity suggests the enlarged equity base is generating less profitability than during the bank’s earlier peak period. If this persists, it may constrain earnings compounding and indicate that capital is being deployed less efficiently than before.

Inconsistent Historical Cash Flow

Although recent cash generation is strong, inconsistent earlier cash-flow reporting weakens confidence in the durability of the full-cycle trend. This makes it harder to assess how reliably earnings convert to cash across different operating conditions and periods of stress.

OXBC FAQ

What was Oxford Bank’s price range in the past 12 months?
Oxford Bank lowest stock price was $40.05 and its highest was $50.50 in the past 12 months.
What is Oxford Bank’s market cap?
Oxford Bank’s market cap is $125.05M.
When is Oxford Bank’s upcoming earnings report date?
The company’s upcoming earnings report date is not yet available.
How were Oxford Bank’s earnings last quarter?
Oxford Bank released its earnings results on Oct 29, 2026. The company reported $1.519 earnings per share for the quarter.
Is Oxford Bank overvalued?
Not enough analysts have published a price target to calculate whether the price is overvalued.
Does Oxford Bank pay dividends?
Oxford Bank does not currently pay dividends.
What is Oxford Bank’s EPS estimate?
Oxford Bank’s EPS estimate for its next earnings report is not yet available.
How many shares outstanding does Oxford Bank have?
Oxford Bank has 2,476,150 shares outstanding.
What happened to Oxford Bank’s price movement after its last earnings report?
Oxford Bank reported an EPS of $1.519 in its last earnings report. Following the earnings report the stock price went up 0.513%.
Which hedge fund is a major shareholder of Oxford Bank?
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