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Oxford Bank
(OTC:OXBC)
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Rating:66Neutral
Price Target:
$45.00
▲(0.45% Upside)
Action:Downgraded
Date:05/15/26
The score is driven primarily by solid financial performance (improving revenue growth and a stronger, low-leverage balance sheet). This is tempered by neutral-to-soft technical momentum and a mid-range valuation (P/E ~17) with no dividend yield data to add support.
Positive Factors
Conservative, improving leverage
Oxford 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.
Negative Factors
Margin compression vs prior years
Trailing 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.
Read all positive and negative factors
Positive Factors
Negative Factors
Conservative, improving leverage
Oxford 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.
Read all positive factors
Oxford Bank (OXBC) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$110.93M
Dividend YieldN/A
Average Volume (3M)299.00
Price to Earnings (P/E)11.5
Beta (1Y)-0.06
Revenue Growth11.06%
EPS Growth-4.78%
CountryUS
Employees161
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)3.92
Shares Outstanding2,476,150
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 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
Oxford Bank Business Overview & Revenue Model
Company Description
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 ...
How the Company Makes Money
Oxford Bank Corporation primarily makes money through its banking subsidiary by earning net interest income and generating noninterest income. Net interest income is the core driver: the bank collects interest and fees on loans (such as commercial...
Oxford Bank Financial Statement Overview
Summary
Income Statement
72
Positive
Balance Sheet
80
Positive
Cash Flow
66
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 56.49M | 58.49M | 57.89M | 50.14M | 35.36M | 31.03M |
| Gross Profit | 46.01M | 45.48M | 48.05M | 44.61M | 33.44M | 29.72M |
| EBITDA | 13.22M | 14.80M | 14.61M | 16.30M | 11.03M | 13.81M |
| Net Income | 9.67M | 10.96M | 9.96M | 12.06M | 8.82M | 10.88M |
Balance Sheet | ||||||
| Total Assets | 902.08M | 1.09B | 811.20M | 816.67M | 792.65M | 750.87M |
| Cash, Cash Equivalents and Short-Term Investments | 34.62M | 264.75M | 46.27M | 82.92M | 121.55M | 170.85M |
| Total Debt | 39.84M | 13.84M | 18.78M | 15.75M | 15.71M | 15.68M |
| Total Liabilities | 789.14M | 977.54M | 713.23M | 732.08M | 722.95M | 688.14M |
| Stockholders Equity | 111.06M | 109.71M | 96.08M | 83.85M | 69.47M | 62.73M |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 15.69M | 15.89M | 9.68M | 0.00 | 0.00 |
| Operating Cash Flow | 0.00 | 16.96M | 17.28M | 14.79M | 0.00 | 0.00 |
| Investing Cash Flow | 0.00 | -54.63M | -36.21M | -46.86M | 0.00 | 0.00 |
| Financing Cash Flow | 0.00 | 264.50M | -18.71M | 2.63M | 0.00 | 0.00 |
Oxford Bank Technical Analysis
Positive
44.80
Price Trends
44.11
Positive
43.15
Positive
42.19
Positive
Market Momentum
0.22
Positive
56.37
Neutral
80.13
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For OXBC, the sentiment is Positive. The current price of 44.8 is above the 20-day moving average (MA) of 44.71, above the 50-day MA of 44.11, and above the 200-day MA of 42.19, indicating a bullish trend. The MACD of 0.22 indicates Positive momentum. The RSI at 56.37 is Neutral, neither overbought nor oversold. The STOCH value of 80.13 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive 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 |
|---|---|---|---|---|---|---|---|
76 Outperform | $92.33M | 10.89 | 9.12% | 4.06% | 4.58% | 26.05% | |
75 Outperform | $135.09M | 15.32 | 6.50% | 2.09% | 5.96% | 49.37% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | $110.93M | 11.55 | 8.97% | ― | 11.06% | -4.78% | |
56 Neutral | $101.67M | -81.35 | -1.08% | 2.50% | -7.07% | -307.72% |
* Financial Sector Average
OXBC
Oxford Bank
44.90
10.20
29.38%
AUBN
Auburn National Bancorporation
26.25
1.45
5.83%
LSBK
Lake Shore Bancorp
17.16
4.79
38.75%
PBHC
Pathfinder Bancorp
16.27
1.64
11.23%
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.