Oxford Bank (OXBC) AI Stock Analysis

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Oxford Bank

(Other OTC:OXBC)

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Rating:80Outperform

Price Target:$59.00▲(14.59% Upside)

Action:reiterated

Date:08/17/26

Solid financial performance with asset expansion and low leverage drives the score, bolstered by bullish technical trends; reasonable valuation adds support despite no dividends.

Positive Factors

Accelerating Revenue GrowthThe acceleration in revenue growth indicates improving demand for Oxford Bank’s banking services and a stronger top-line contribution from its loan, deposit, and related activities. If sustained, this provides a broader base for earnings and supports continued business expansion over the next several quarters.

Negative Factors

Margin CompressionAlthough profitability remains solid, lower margins than in 2021–2023 indicate that Oxford Bank is retaining less profit from each dollar of revenue than during its strongest period. Continued compression could reduce earnings power and constrain the benefit of future revenue growth.

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

Strong asset growth, reduced leverage, and positive cash flow trends support stability, though revenue growth is slowing and profitability shows some fluctuations.

Income Statement

82Very Positive

Balance Sheet

88Very Positive

Cash Flow

78Positive

Financial statement breakdown
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

Technical Analysis SentimentPositive

Last Price51.49

Price Trends

50DMA46.90Positive

100DMA45.67Positive

200DMA44.01Positive

Market Momentum

MACD1.29Negative

RSI94.95Negative

STOCH97.20Negative

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

UnderperformOutperform

Sector (68)

Financial Indicators

OXBC against its peers
Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
OXBC	80Outperform	$127.03M	12.38	9.16%	―	13.37%	-0.78%
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%
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

OXBC and its peers over the selected period
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%

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.

Date of analysis: Aug 17, 2026

Oxford Bank AI Stock Analysis