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OXBC Stock Chart & Stats
$44.80
-$0.63(-1.40%)
At close: 4:00 PM EDT
$44.80
-$0.63(-1.40%)
Day’s Range― - ―
52-Week Range$35.30 - $45.24
Previous CloseN/A
Volume557.00
Average Volume (3M)390.00
Market Cap
$111.67M
Enterprise Value$109.06
Total Cash (Recent Filing)$34.62M
Total Debt (Recent Filing)$39.84M
Price to Earnings (P/E)11.6
Beta-0.06
Next Earnings
Nov 10, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)3.92
Shares Outstanding2,476,150
10 Day Avg. Volume319
30 Day Avg. Volume390
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 Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
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
Accelerating Revenue GrowthRevenue growth accelerated to about 6.0% in 2025 from 0.2% in 2024, indicating improving demand for core lending and deposit-related services. Sustained top-line expansion can support operating leverage and earnings capacity over the next several quarters.
Conservative Balance SheetDeclining leverage and meaningful equity growth provide greater capacity to absorb credit losses, fund lending and manage rate-cycle volatility. This conservative balance-sheet position is a durable advantage for a community bank competing for deposits and loans.
Strong Recent Cash GenerationRecent operating cash flow and free cash flow were substantial, with free cash flow equal to about 93% of net income. Strong cash conversion supports internal capital formation, lending capacity and resilience without relying as heavily on external funding.
Bears Say
Margin CompressionAlthough profitability remains solid, net and operating margins have fallen from 2021–2023 peaks. Persistent compression could limit earnings growth even if revenue improves, reflecting potential pressure from funding costs, credit provisions or operating expenses.
Lower Profitability Than Prior PeaksStable ROE near 10% indicates acceptable profitability, but the decline from the earlier 17% peak shows reduced earnings efficiency on a growing equity base. This may constrain long-term internal capital growth unless asset yields or operating productivity improve.
Inconsistent Historical Cash FlowStrong recent cash generation is offset by inconsistent earlier reporting, including zero operating and free cash flow in 2021–2022. That history reduces confidence in the durability and comparability of cash conversion across a full banking cycle.
OXBC FAQ
What was Oxford Bank Corporation’s price range in the past 12 months?
Oxford Bank Corporation lowest stock price was $35.30 and its highest was $45.24 in the past 12 months.
What is Oxford Bank Corporation’s market cap?
Oxford Bank Corporation’s market cap is $111.67M.
When is Oxford Bank Corporation’s upcoming earnings report date?
Oxford Bank Corporation’s upcoming earnings report date is Nov 10, 2026 which is in 62 days.
How were Oxford Bank Corporation’s earnings last quarter?
Oxford Bank Corporation released its earnings results on Aug 03, 2026. The company reported $1.088 earnings per share for the quarter.
Is Oxford Bank Corporation overvalued?
According to Wall Street analysts Oxford Bank Corporation’s price is currently Overvalued.
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 2,476,150 shares outstanding.
What happened to Oxford Bank Corporation’s price movement after its last earnings report?
Oxford Bank Corporation reported an EPS of $1.088 in its last earnings report. Following the earnings report the stock price went down -1.396%.
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
Oxford Bank Stock Smart Score
Neutral
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10
Technicals
SMA
Positive
20 days / 200 days
Momentum
25.52%
12-Months-Change
Fundamentals
Return on Equity
―
Trailing 12-Months
Asset Growth
8.26%
Trailing 12-Months
Learn more about TipRanks Smart Score
Company Description
Oxford Bank Corporation
Oxford Bank Corporation (OXBC) is a financial institution that offers a diverse range of banking solutions to its clientele throughout Michigan. Its core deposit offerings encompass checking, savings, and individual retirement accounts, alongside certificates of deposit. For lending needs, the bank provides a comprehensive portfolio including home mortgages, home equity loans, auto loans, student loans, term loans, commercial real estate financing, Small Business Administration (SBA) loans, and lines of credit. Beyond traditional banking, Oxford Bank Corporation delivers numerous other services, such as cash management, merchant card processing, remote deposit capture, payroll solutions, overdraft protection, wire transfers, night depository access, notary services, safe deposit boxes, and interactive teller machines. Customers also benefit from modern conveniences like online, telephone, and mobile banking platforms, as well as debit and credit card options and insurance products. The bank serves its communities through physical branches located in Clarkston, Davison, Dryden, Lake Orion, Ortonville, Oxford, and Oakland. Established in 1884, Oxford Bank Corporation maintains its headquarters in Oxford, Michigan.
Technical Analysis
Ownership Overview
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Insiders
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Mutual Funds
5.47% Other Institutional Investors
94.53% Public Companies and
Individual Investors