Oxford Bank Corporation (OXBC) Stock Analysis
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
Oxford Bank Corporation (OXBC) trades at $44.60 with AI Score 56/100 (Grade B). Oxford Bank Corporation, founded in 1884, provides a range of banking products and services to customers in Michigan. Market cap: $110M, Sector: Financial services.
Price as of Aug 20, 2026 · Last analyzed: Mar 17, 2026Analyst Coverage for OXBC: OXBC does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates OXBC against Financial Services peers across nine fundamental dimensions and assigns a mixed fundamental profile based on the underlying data.
OXBC: the 3 scored disciplines are evenly split. Dominant signal: Ray Dalio bullish.
How is this calculated? →Why this analysis is different
- A 9-signal quantitative MoonshotScore built from filings, insider activity, and market data — computed from the numbers, not from opinion.
- An AI Council read across up to eight perspectives — value, macro, quantitative, and momentum lenses — that shows where they disagree instead of averaging the tension away.
- Figures come straight from FMP and Yahoo Finance filings data. The AI writes the narrative around the numbers — it never edits the numbers.
Oxford Bank Corporation (OXBC) Financial Services Profile
Oxford Bank Corporation, a Michigan-based regional bank established in 1884, offers traditional banking services, including deposit accounts and loans, to individuals and businesses. With a market capitalization of $110M and a P/E ratio of 9.58, the bank maintains a strong focus on community banking within its Michigan footprint.
What Is the Investment Thesis for OXBC?
Oxford Bank Corporation presents a focused investment opportunity within the Michigan regional banking sector. With a market capitalization of $110M and a P/E ratio of 9.58, the bank demonstrates profitability, supported by a profit margin of 20.1%. The bank's beta of 0.12 suggests lower volatility compared to the broader market. Growth catalysts include expanding its loan portfolio and enhancing digital banking services. Potential risks involve increasing competition from larger regional and national banks, as well as adapting to evolving fintech solutions. The bank's strong gross margin of 84.2% indicates efficient operations and potential for sustained profitability.
Based on FMP financials and quantitative analysis
OXBC Key Highlights
Market capitalization of $110M, reflecting its size within the regional banking sector.
- P/E ratio of 9.58, suggesting a potentially undervalued stock compared to its earnings.
- Profit margin of 20.1%, indicating strong profitability and efficient operations.
- Gross margin of 84.2%, demonstrating effective cost management and revenue generation.
- Beta of 0.12, suggesting lower volatility compared to the overall market, which may appeal to risk-averse investors.
Who Are OXBC's Competitors?
OXBC is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| CHBH Croghan Bancshares, Inc. | $71.05 | -1.66% | $143M | 48 |
| CYVF Crystal Valley Financial Corporation | $79.99 | -1.12% | $101M | 53 |
| FMBM F & M Bank Corp. | $39.40 | -1.38% | $140M | 52 |
| JDVB JD Bancshares, Inc. | $37.00 | +0.00% | $127M | 52 |
| JFBC Jeffersonville Bancorp | $27.30 | +0.00% | $116M | 54 |
| HWBK Hawthorn Bancshares, Inc. | $39.44 | +0.19% | $272M | 92 |
| FRAF Franklin Financial Services Corporation | $62.10 | +0.40% | $279M | 92 |
| FUNC First United Corporation | $43.35 | -0.55% | $280M | 92 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are OXBC's Key Strengths?
Strong local presence and brand recognition in Michigan.
- High gross margin of 84.2% indicates efficient operations.
- Low beta of 0.12 suggests lower volatility.
- Established history since 1884.
What Are OXBC's Weaknesses?
Limited geographic diversification, concentrated in Michigan.
- Smaller market capitalization compared to larger regional banks.
- Dependence on traditional banking products and services.
- No dividend yield may deter some investors.
What Could Drive OXBC Stock Higher?
Expansion of commercial lending activities to support local businesses in Michigan.
- Enhancement of digital banking platform to attract tech-savvy customers.
- Strategic branch expansion in underserved markets within Michigan (1-2 years).
- Partnerships with fintech companies to expand product offerings.
- Focus on wealth management services to generate fee income and attract high-net-worth individuals (2-3 years).
What Are the Key Risks for OXBC?
Financial-distress signal — its Altman Z-Score of 0.37 sits in the distress zone (elevated bankruptcy risk).
- Weak fundamentals — a Piotroski F-Score of 2/9 flags soft profitability, leverage or efficiency.
- Increasing competition from larger regional and national banks.
- Rising interest rates impacting loan profitability.
- Regulatory changes affecting the banking industry.
- Economic downturn in Michigan impacting loan demand and credit quality.
- Limited geographic diversification, concentrated in Michigan.
What Are the Growth Opportunities for OXBC?
- Expansion of Commercial Lending: Oxford Bank Corporation can expand its commercial lending activities to support local businesses in Michigan. By offering tailored loan products and financial services, the bank can attract small and medium-sized enterprises (SMEs) seeking capital for growth and expansion. The market for SME lending is substantial, with significant unmet demand for financing in Michigan. Timeline: Ongoing.
- Enhancement of Digital Banking Platform: Investing in and enhancing its digital banking platform can attract and retain tech-savvy customers. By offering user-friendly online and mobile banking services, Oxford Bank Corporation can improve customer experience, streamline operations, and reduce costs. The digital banking market is experiencing rapid growth, with increasing adoption of mobile banking and online payment solutions. Timeline: Ongoing.
- Strategic Branch Expansion: Expanding its branch network in underserved markets within Michigan can drive deposit growth and increase market share. By establishing new branches in strategic locations, Oxford Bank Corporation can reach new customers and offer convenient access to its banking services. Market research can identify areas with strong growth potential and limited banking options. Timeline: Upcoming: 1-2 years.
- Partnerships with Fintech Companies: Collaborating with fintech companies can provide access to innovative technologies and expand its product offerings. By partnering with fintech firms specializing in areas such as online lending, payment processing, and financial planning, Oxford Bank Corporation can enhance its competitiveness and cater to evolving customer needs. The fintech market is rapidly growing, with numerous opportunities for collaboration and innovation. Timeline: Ongoing.
- Focus on Wealth Management Services: Expanding its wealth management services can generate fee income and attract high-net-worth individuals. By offering financial planning, investment management, and trust services, Oxford Bank Corporation can cater to the growing demand for wealth management solutions. The wealth management market is experiencing steady growth, driven by increasing affluence and demand for retirement planning services. Timeline: Upcoming: 2-3 years.
What Are OXBC's Competitive Advantages?
- Established local presence and brand recognition in Michigan.
- Strong relationships with local businesses and communities.
- Personalized customer service and community banking focus.
- Experienced management team with deep understanding of the local market.
What Does OXBC Do?
Oxford Bank Corporation, established in 1884, has a long history of serving the banking needs of communities in Michigan. Founded in Oxford, Michigan, the bank has expanded its presence to include branches in Clarkston, Davison, Dryden, Lake Orion, Ortonville, and Oakland. The bank provides a comprehensive suite of banking products and services, including savings, checking, and individual retirement accounts, as well as certificates of deposit. Its loan portfolio encompasses home mortgage, home equity, auto, student, term, commercial real estate, and small business administration loans, along with lines of credit. Oxford Bank Corporation also offers various services, such as cash management, merchant card, remote deposit capture, payroll, overdraft protection, wire transfer, night depository, and notary services. Furthermore, the bank provides modern conveniences like safe deposit boxes, interactive teller machines, online, telephone, and mobile banking services, debit and credit cards, and insurance products. Oxford Bank Corporation distinguishes itself through its commitment to community banking and personalized customer service, catering to the financial needs of individuals and businesses in its local markets.
What Products and Services Does OXBC Offer?
- Offers savings and checking accounts to individuals and businesses.
- Provides home mortgage and home equity loans.
- Provides auto and student loans.
- Offers term loans and commercial real estate loans.
- Provides Small Business Administration (SBA) loans.
- Offers lines of credit.
- Provides online, telephone, and mobile banking services.
- Offers debit and credit cards.
How Does OXBC Make Money?
- Generates revenue through interest income on loans.
- Earns fees from services such as cash management and merchant card processing.
- Profits from deposit products like savings and checking accounts.
- Manages risk through diversification of loan portfolio and adherence to regulatory requirements.
What Industry Does OXBC Operate In?
Oxford Bank Corporation operates within the competitive regional banking industry. The industry is characterized by increasing consolidation, technological advancements, and evolving customer preferences. Regional banks face competition from larger national banks, credit unions, and fintech companies. Market trends include the growing adoption of digital banking, increased regulatory scrutiny, and fluctuating interest rates. Oxford Bank Corporation's focus on community banking and personalized service positions it to cater to customers who value local relationships and tailored financial solutions.
Who Are OXBC's Key Customers?
- Individuals seeking personal banking services.
- Small businesses requiring loans and deposit accounts.
- Commercial real estate developers needing financing.
- Students requiring student loans.
Company Profile
Oxford Bank Corporation operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Oxford, US. The company is led by CEO David Lamb. OXBC has traded publicly since 2000.
Oxford Bank Corporation Financial Trajectory
Oxford Bank Corporation (OXBC) reported $16.6M in revenue for Q2 2026, reflecting 3.2% growth compared to the prior quarter. The company recorded net income of $2.7M, with diluted EPS of $1.09. Revenue has increased across the last three reported quarters, suggesting sustained momentum for this micro-cap Financial Services company. Across the four most recent quarters, OXBC averaged $0.97 in diluted EPS.
How Oxford Bank Corporation Is Valued
Oxford Bank Corporation carries a market capitalization of $110M, placing it in the micro-cap category. Relative to its peer group, OXBC's quantitative score of 56/100 is roughly in line with the peer average of 52/100.
Key Financial Metrics
Return on equity for Oxford Bank Corporation stands at 8.7%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 1.0%, showing how much profit it generates from its asset base. OXBC trades at a trailing price-to-earnings ratio of 11.60, below the Financial Services sector average of ~18x. Its free cash flow yield is 0.0%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.00 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 8.6%, the inverse of the P/E and a quick read on earnings relative to price.
Financial Health
Oxford Bank Corporation's Piotroski F-Score is 2/9, a 9-point checklist of profitability, leverage and efficiency — flagging fundamental weakness worth scrutiny. Its Altman Z-Score of 0.37 places it in the distress zone, a signal of elevated financial risk.
OXBC Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Strong local presence and brand recognition in Michigan.
- High gross margin of 84.2% indicates efficient operations.
- Low beta of 0.12 suggests lower volatility.
- Established history since 1884.
Bear Case
- Limited geographic diversification, concentrated in Michigan.
- Smaller market capitalization compared to larger regional banks.
- Dependence on traditional banking products and services.
- No dividend yield may deter some investors.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · August 2026
Recent Quarterly Results
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q2 2026 | $17M | $3M | $1.09 |
| Q1 2026 | $16M | $2M | $0.62 |
| Q4 2025 | $13M | $2M | $0.93 |
| Q3 2025 | $16M | $3M | $1.24 |
Based on FMP financials and quantitative analysis
OXBC Latest News
No recent news available for OXBC.
OXBC Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for OXBC.
Price Targets
Wall Street price target analysis for OXBC.
OXBC MoonshotScore
What does this score mean?
The MoonshotScore rates OXBC 0-100 on quantitative fundamentals — growth, financial health, valuation, momentum, and risk.
Leadership: David Lamb
CEO
David Lamb serves as the CEO of Oxford Bank Corporation, managing a team of 161 employees. Information regarding his detailed career history, educational background, and previous roles is not available. As CEO, he is responsible for overseeing the strategic direction and day-to-day operations of the bank, ensuring its continued growth and profitability within the competitive regional banking landscape.
Track Record: Specific details regarding David Lamb's key achievements, strategic decisions, and company milestones under his leadership are not available. His role involves navigating the challenges and opportunities of the regional banking sector, fostering relationships with local communities, and adapting to evolving customer needs and technological advancements.
OXBC OTC Market Information
The OTC Other tier represents the lowest tier of the OTC market, encompassing securities that are not eligible for quotation on OTCQX or OTCQB. Companies in this tier may have limited or no financial disclosure, and trading activity can be sporadic. Unlike NYSE or NASDAQ-listed companies, firms on OTC Other face minimal listing requirements, resulting in heightened risks for investors due to potential information scarcity and regulatory oversight.
- OTC Tier: OTC Other
- Limited financial disclosure increases information asymmetry and potential for fraud.
- Low trading volume and wide bid-ask spreads can result in price volatility and execution challenges.
- Lack of regulatory oversight compared to listed exchanges elevates risk of manipulation and inadequate investor protection.
- Potential for delisting or suspension of trading due to non-compliance with OTC requirements.
- Higher risk of company failure or bankruptcy due to limited access to capital and operational challenges.
- Verify the company's registration and regulatory filings with the SEC or relevant authorities.
- Review available financial statements and assess the company's financial health and performance.
- Research the company's management team and their track record.
- Evaluate the company's business model and competitive landscape.
- Assess the liquidity and trading volume of the stock.
- Understand the risks associated with investing in OTC securities.
- Consult with a financial advisor before making any investment decisions.
- Established history since 1884 suggests a long-standing presence in the banking industry.
- Operation of multiple branches in Michigan indicates a physical presence and customer base.
- Provision of traditional banking products and services aligns with established industry practices.
- Employment of 161 employees suggests a substantial operational scale.
- Positive profit margin of 20.1% indicates profitability and financial stability.
Common Questions About OXBC (Financial Services)
What does the AI Score mean for OXBC?
OXBC holds an AI Score of 56/100 (Grade: B). This is an educational research signal, not a buy or sell recommendation. Oxford Bank Corporation, founded in 1884, provides a range of banking products and services to customers in Michigan. The company operates branches in several Michigan locations and offers online …
What does Oxford Bank Corporation do?
Oxford Bank Corporation is a regional bank providing financial products and services to individuals and businesses in Michigan. Its core business involves accepting deposits and originating loans, including home mortgages, commercial real estate loans, and small business loans. The bank generates revenue primarily through interest income on loans and fees from various banking services.
What do analysts say about OXBC stock?
Analyst coverage for Oxford Bank Corporation (OXBC) is currently limited, reflecting its smaller market capitalization and OTC listing. Key valuation metrics include a P/E ratio of 9.58 and a profit margin of 20.1%. Growth considerations involve expanding its loan portfolio, enhancing digital banking services, and managing credit risk. Investors should conduct thorough due diligence and consider the risks associated with investing in OTC securities. There is no consensus buy/sell recommendation.
What are the main risks for OXBC?
Oxford Bank Corporation faces several risks, including increasing competition from larger regional and national banks, potential for rising interest rates impacting loan profitability, regulatory changes affecting the banking industry, and economic downturn in Michigan impacting loan demand and credit quality.
What are the key factors to evaluate for OXBC?
Oxford Bank Corporation (OXBC) holds an AI score of 56/100 (moderate). Oxford Bank Corporation presents a focused investment opportunity within the Michigan regional banking sector. Not financial advice.
How frequently does OXBC data refresh on this page?
OXBC's price was last updated on Aug 20, 2026 and refreshes on page view during U.S. market hours — it is not a real-time exchange feed. Fundamentals update after quarterly filings; the MoonshotScore recalculates nightly; news aggregates continuously.
What has driven OXBC's recent stock price performance?
Oxford Bank Corporation (OXBC) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Strong local presence and brand recognition in Michigan. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider OXBC overvalued or undervalued right now?
Oxford Bank Corporation (OXBC) has no trailing P/E available here, so lean on price-to-sales and cash flow in the Financials tab. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
How do I research OXBC before investing?
Before investing in Oxford Bank Corporation (OXBC), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) analyst consensus ratings and price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Information on CEO background and track record is limited.
- OTC analysis based on general characteristics of OTC Other tier due to limited company-specific data.