Oxford Bank AI Stock Analysis
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Oxford Bank (OXBC) AI Stock Analysis
Oxford Bank
(Other OTC:OXBC)
The score is driven primarily by solid financial performance, highlighted by conservative balance-sheet leverage and improving revenue growth, supported by strong recent cash generation. Technicals are moderately positive with price above key moving averages and a positive MACD. Valuation is reasonable at ~11.55x earnings, though the lack of dividend yield data limits the valuation/income view.
Oxford Bank (OXBC) vs. SPDR S&P 500 ETF (SPY)
- Market Cap
- $127.50M
- Dividend Yield
- ―
- Average Volume (3M)
- 591
- Price to Earnings (P/E)
- 12.4
- Beta (1Y)
- -0.09
- Revenue Growth
- 13.37%
- EPS Growth
- -0.78%
- Country
- US
- Employees
- 161
- Sector
- Financial
- Sector Strength
- 68
- Industry
- Banks - Regional
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 cer...
How the Company Makes Money
Oxford Bank Corporation primarily makes money through its banking subsidiary by earning interest income on loans and other interest-earning assets and paying interest on deposits and other funding sources; the difference between these (net interest i...
Oxford Bank Financial Statement Overview
Summary
Overall fundamentals are solid: accelerating 2025 revenue growth and healthy profitability support earnings power. The balance sheet is a key strength with conservative, improving leverage and steady ~10% ROE, though profitability is below 2021–2023 peaks. Cash generation is strong recently with high free-cash-flow-to-net-income, but earlier-period cash flow inconsistencies reduce full-cycle confidence.
Income Statement
72PositiveBalance Sheet
80PositiveCash Flow
66Positive| 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 | 15.69M | 15.89M | 9.68M | 0 | 0 |
| Operating Cash Flow | 0 | 16.96M | 17.28M | 14.79M | 0 | 0 |
| Investing Cash Flow | 0 | -54.63M | -36.21M | -46.86M | 0 | 0 |
| Financing Cash Flow | 0 | 264.50M | -18.71M | 2.63M | 0 | 0 |
Oxford Bank Technical Analysis
Price Trends
Market Momentum
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 51.49 is above the 20-day moving average (MA) of 49.00, above the 50-day MA of 46.90, and above the 200-day MA of 44.01, indicating a bullish trend. The MACD of 1.29 indicates Negative momentum. The RSI at 94.95 is Negative, neither overbought nor oversold. The STOCH value of 97.20 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
Overall Rating
LSBK79Outperform
AUBN73Outperform- OXBC72Outperform
PBHC58Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| LSBK | 79Outperform | $147.51M | 16.80 | 5.85% | 1.91% | 4.31% | 24.65% |
| AUBN | 73Outperform | $88.20M | 10.22 | 9.42% | 4.17% | 4.68% | 21.56% |
| OXBC | 72Outperform | $127.03M | 12.38 | 9.16% | ― | 13.37% | -0.78% |
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
| PBHC | 58Neutral | $105.17M | -41.15 | 0.08% | 2.45% | -6.61% | -78.36% |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| OXBC | Oxford Bank Corporation | 51.49 | 10.99 | 27.14% | |
| AUBN | Auburn National Bancorporation | 25.93 | 1.23 | 4.96% | |
| LSBK | Lake Shore Bancorp | 18.82 | 4.81 | 34.35% | |
| PBHC | Pathfinder | 16.57 | 2.05 | 14.13% |
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.
Date of analysis: Aug 17, 2026