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OXBC Stock Chart & Stats
$41.00
$0.05(0.15%)
At close: 4:00 PM EST
$41.00
$0.05(0.15%)
Day’s Range― - ―
52-Week Range$33.70 - $45.00
Previous CloseN/A
Volume100.00
Average Volume (3M)299.00
Market Cap
$102.44M
Enterprise Value$112.07M
Total Cash (Recent Filing)$34.62M
Total Debt (Recent Filing)$39.84M
Price to Earnings (P/E)11.4
Beta-0.06
Next Earnings
Jul 29, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)3.92
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 Cap1.09
Enterprise Value/Revenue1.98
Enterprise Value/Gross Profit2.44
Enterprise Value/Ebitda8.48
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 $33.70 and its highest was $45.00 in the past 12 months.
What is Oxford Bank Corporation’s market cap?
Oxford Bank Corporation’s market cap is $102.44M.
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 4 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.
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
Oxford Bank Stock Smart Score
Neutral
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10
Technicals
SMA
Positive
20 days / 200 days
Momentum
21.25%
12-Months-Change
Fundamentals
Return on Equity
―
Trailing 12-Months
Asset Growth
9.49%
Trailing 12-Months
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
5.92% Other Institutional Investors
94.08% Public Companies and
Individual Investors