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Oxford Bank(OTC) OXBC

Market Cap$109.82MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Since IPO (1995)+338%
5 Year+49%
1 Year+27%
1 Month-1%
$44.60
+0.56%
+0.25Today
Oxford Bank last closing stock price
MetricPriceDate
Last closeUSD 44.602026-08-31
Oxford Bank stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week-0.34%USD 44.752026-08-24
1 month-0.72%USD 44.922026-07-31
3 month+2.53%USD 43.502026-06-02
Year to date+9.15%USD 40.862025-12-31
1 year+26.52%USD 35.252025-08-29
3 year+43.87%USD 31.002023-09-01
5 year+48.67%USD 30.002021-09-01
Since inception+337.73%USD 10.191995-07-26

Oxford Bank Financials at a Glance

Market Cap

$109.82MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Revenue (TTM)

$61.63M

Net Income (TTM)

$9.60M

EPS (TTM)

$3.87

P/E Ratio

11.46

Dividend

$0.00

Beta (Volatility)

0.05 (Low)

Price

$44.60

Volume

271

Open

$44.60

Previous Close

$44.60

Daily Range

$44.60 - $44.60

52-Week Range

$35.25 - $45.03

Estimated Earnings Date

Feb 11, 2025

OXBC News

No articles available.

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About Oxford Bank

Oxford Bank Corporation is a financial institution based in Michigan, offering a wide range of banking solutions. Established in 1884, the bank provides services including deposits, loans, and various financial products to meet the needs of its clientele.

Products and Services
  • Checking, savings, and individual retirement accounts
  • Home mortgages, auto loans, and commercial real estate financing
  • Online banking, cash management, and merchant services
Growth Outlook
  • Revenue increased to $16.63 million in Q2 2026, up from $16.12 million in Q1 2026
  • Net income rose to $2.71 million in Q2 2026, reflecting strong operational performance
  • Return on equity stands at 8.69%, indicating effective use of shareholder funds
Financial Highlights
  • Net income margin of 16.29% in Q2 2026 demonstrates profitability
  • Operating income increased to $3.46 million in Q2 2026, showcasing operational efficiency
  • Price-to-earnings ratio of 11.43 suggests potential value for investors
Oxford Bank Corporation has shown consistent growth in revenue and net income, reflecting its strong market position and operational efficiency. The bank's diverse range of products and services caters to various customer needs, enhancing its competitive edge in the regional banking sector. With a solid return on equity and a favorable price-to-earnings ratio, Oxford Bank Corporation presents an attractive opportunity for potential investors looking for stability and growth in the financial services industry.
AI Generated • Aug 28, 2026

Industry

Banks

Sector

Financials

CEO

David P. Lamb

Website

www.oxfordbank.com

Headquarters

Oxford, MI 48371, US

OXBC Financials

Key Financial Metrics (TTM)

Gross Margin

77.56%

Operating Margin

21.26%

Net Income Margin

15.57%

Return on Equity

8.69%

Return on Capital

11.98%

Return on Assets

1.03%

Earnings Yield

8.73%

Dividend Yield

0.00%

Payout Ratio

0.00%

Stock Overview

Market Cap

$109.82MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Shares Outstanding

2.48M

Volume

271

Avg. Volume

480.906

Financials (TTM)

Gross Profit

$47.80M

Operating Income

$13.10M

EBITDA

$13.10M

Operating Cash Flow

$0.00

Capital Expenditure

$0.00

Free Cash Flow

$0.00

Cash & ST Invst.

$39.01M

Total Debt

$37.55M

Oxford Bank Performance Analysis

Oxford Bank annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20222022-12-31USD 35,790,00015.3%
20232023-12-31USD 50,139,00040.1%
20242024-12-31USD 57,890,00015.5%
20252025-12-31USD 61,647,0006.5%
Oxford Bank sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q32025-09-3035.9%
Q42025-12-31-15.2%
Q12026-03-3121.6%
Q22026-06-303.2%
Oxford Bank annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20222022-12-31USD 3.69-22.7%
20232023-12-31USD 4.9434.0%
20242024-12-31USD 4.05-18.1%
20252025-12-31USD 4.449.7%
Oxford Bank sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q32025-09-309.7%
Q42025-12-31-25.0%
Q12026-03-31-33.3%
Q22026-06-3075.8%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q2 2026YOY CHG

Revenue

$16.63M

+44.7%

Gross Profit

$13.28M

+15.5%

Gross Margin

79.83%

N/A

Market Cap

$109.82MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

N/A

Market Cap/Employee

$682.10K

N/A

Employees

161

N/A

Net Income

$2.71M

-2.6%

EBITDA

$3.46M

-3.3%

Quarterly Fundamentals

Name
Q2 2026YOY CHG

Total Cash

$39.01M

-24.8%

Total Debt

$37.55M

+135.8%

Accounts Receivable

$0.00

N/A

Inventory

$0.00

N/A

Long Term Debt

$37.55M

+135.8%

Short Term Debt

$0.00

N/A

Return on Assets

1.03%

N/A

Return on Invested Capital

1.41%

N/A

Free Cash Flow

$0.00

N/A

Operating Cash Flow

$0.00

N/A

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Questions About OXBC

What is the current price of Oxford Bank?

Oxford Bank is trading at $44.60 per share.

What is the 52-week range for Oxford Bank?

Over the past 52 weeks, Oxford Bank has traded between $35.25 and $45.03.

How much debt does Oxford Bank have?

As of the most recent reporting period, Oxford Bank reported total debt of $37.55M.

How much cash does Oxford Bank have on hand?

Oxford Bank does not have cash on hand data available.

What is Oxford Bank’s dividend yield?

Oxford Bank does not currently have a dividend yield.

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