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Oxford Bank Corporation (OXBC) fair value: what the stock is really worth

As of Nov 6, 2026: fair value (intrinsic value) of Oxford Bank Corporation stock $50.89, price $50.50, upside +0.8%, quality 61 out of 100. Rating: fairly valued. Calculated from audited financials with 4 of our 26 valuation models and 37 quality factors, updated daily.

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Financial Services US

OB Oxford Bank Corporation logo Some data Nov 8, 2026

Oxford Bank Corporation

OXBC · US
Fairly valued, in an uptrend

The stock costs about what our calculation considers fair.

Quality 61/100
Solidly profitable · 18.9% net margin (TTM)
Low debt
Generates free cash flow
Ranks above peers (8/12)
Revenue last quarter +16% vs. a year ago.
Fair value $50.89 · Fairly valued
Mixed Growth (revenue 5y +17.4 %/yr in USD)
Moderate moat 55/100 · thin data
Some data
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

$50.50 $9.00 Fair Value $50.89 Jan 2016 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 8, 2026.

How to read this chart

60‑month range $9.00 – $50.50 · fair‑value band $38.17 – $63.62 · the $50.50 price screens below the $50.89 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 8, 2026.

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Company profile

Oxford Bank Corporation operates as the holding company for Oxford Bank that provides various banking products and services to various customers in Michigan. It offers checking, savings, money market, and individual retirement accounts, as well as certificates of deposit.

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The company's loan portfolio comprises home mortgages, home equity lines of credit, auto loans, student loans, term loans, commercial real estate loans, and small business administration loans, as well as lines of credit.

It also offers cash management, merchant card, treasury management, remote deposit capture, payroll, overdraft protection, online banking, telephone banking, mobile banking, iPay online bill payment, mobile wallet, and interactive teller machine services; and debit and credit cards, and insurance products.

In addition, the company provides cashier's checks, direct deposits, night depository services, wire transfers, and notary services. Oxford Bank Corporation was founded in 1884 and is based in Oxford, Michigan.

Stock analysis

Oxford Bank Corporation (OXBC) currently trades at $50.50, while our model-based Fair Value estimate is $50.89, so the stock looks roughly fairly valued today (gap 0.8%).

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Valuation

Bull case: the Multiples group reads highest at a median of $50.89 per share, and 1 of the 4 models we run sit above the $50.50 price.

Bear case: the Asset-Based group reads lowest at $27.64, and 3 of the 4 models stay below the price. Data coverage for this calculation is medium.

Scenario range: $38.17 (bear) to $63.62 (bull), the price of $50.50 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 61/100 (solid quality), in the Financial Services sector.

Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.

Oxford Bank Corporation reported revenue of $58.5M in FY2025 versus $31.0M in FY2021, a compound +17.2%/yr. Reported net income was $11.0M in FY2025, compounding +0.2%/yr from FY2021.

Key figures

Market cap $125M Micro · P/E ratio 13.2 · P/S ratio 2.47 · EPS (TTM) $3.84 · Net margin 18.9% · Return on equity 9.8% · Return on assets (EBIT) 1.6% (5-year average) · Operating margin 26.1%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 38 out of 100 (low confidence).

What moves the price

The share trades at its 52-week high and 26% above its 52-week low, currently above its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at 1%, OXBC screens cheaper than that median.

Fair Value models

Bear $38.17 Fair Value $50.89 Bull $63.62
Price $50.50 · Upside +0.8%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then ($3.29 per share) are deliberately not added. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds. Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Best data coverage
Residual Income $36.15 $39.11 $45.00 71
P/E Multiple $42.93 $57.24 $71.55 63
P/B Multiple $33.41 $44.54 $55.68 55
All 4 models by family
Multiples
P/E Multiple $42.93 $57.24 $71.55 63
P/B Multiple $33.41 $44.54 $55.68 55
Asset-Based
NCAV (Graham) $20.62 $27.64 $41.25 54
Economic Profit
Residual Income $36.15 $39.11 $45.00 71

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Quality Score breakdown

Overall quality 61/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 31
How much profit the company makes from its sales and capital
Quality Growth 32
Are margins and returns getting better?
Cashflow 91
Do the profits arrive as real cash?
Financial strength 81
Debt, balance sheet and risk of trouble
Investment 54
Does it invest with discipline instead of growing at any price?
Low Volatility 99
How calm the share price moves, does not count
Price momentum 69
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 94
Distance to the 52-week high, does not count
New shares 76
Buys back shares or issues new ones?

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Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 87/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+1.0%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+18.3%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+17.4%
Start year 2020 (pandemic). Over 10 years: +17.4% a year
Revenue growth 23 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+3.2%
What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
+7.9%
Earnings growth per share plus dividend.
Earnings per share, growth per year+7.9%
Dividend (yield on the price)0.0%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.base effect: 7.9% / 18.3%
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.34% → 25%
Pace: the 5-year rate starts in 2020 (pandemic)

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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 996 stocks

Beats the industry median on 8/12 measures
Overall it ranks above its industry peers.
Valuation
Quality Score 61 · Top 25%
Fair Value upside +0.8% · Above median
Profitability
Return on equity (12 months) 9.8% · Below median
Return on assets 1.0% · Above median
Net margin (12 months) 18.9% · Bottom 25%
Operating margin (12 months) 26.1% · Bottom 25%
Growth and dividend
Revenue growth (quarter YoY) 15.5% · Above median
Balance sheet
Debt / equity 0.01× · Lowest 25%

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (12 months) 13.2× · Pricier than median
P/B 1.14× · Cheaper than median
P/S (12 months) 2.47× · Cheaper than median
Price / free cash flow (fiscal year) 8.0× · Cheaper than median

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)34 · sector 8
FUTURE (revenue growth)78 · sector 47
PAST (return on equity)39 · sector 43
HEALTH (low debt)0 · sector 0
DIVIDEND (yield)0 · sector 53

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value Compare
Postal Savings Bank of China Co 601658 ¥5.53 ¥7.59 +37% vs OXBC
China Merchants Bank Co 600036 ¥42.88 ¥52.73 +23% vs OXBC
BNP Paribas SA BNP €91.93 €106.01 +15% vs OXBC
Intesa Sanpaolo S.p.A ISP €6.18 €4.49 −27% vs OXBC
State Bank of India SBIN ₹1,019 ₹736.65 −28% vs OXBC
UniCredit S.p.A UCG €76.80 €50.44 −34% vs OXBC
Mizuho Financial Group MFG $9.40 $5.89 −37% vs OXBC
DBS Group D05 69.72 SGD 40.39 SGD −42% vs OXBC
HDFC Bank Limited HDFCBANK ₹788.25 ₹406.39 −48% vs OXBC
ICICI Bank Limited ICICIBANK ₹1,571 ₹615.63 −61% vs OXBC

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Oxford Bank Corporation: fair value per Fair Value Calculator

Cite: Fair Value Calculator (2026). "Oxford Bank Corporation Fair Value". https://www.fairvalue-calculator.com/stock/OXBC

Frequently asked questions

Is Oxford Bank Corporation (OXBC) overvalued or undervalued?
As of Nov 8, 2026, our model estimates a fair value of $50.89 versus a price of $50.50, about +1% upside (fairly valued).
What is the fair value of OXBC?
Our model-based fair value for Oxford Bank Corporation is $50.89 (as of Nov 8, 2026), built from audited fundamentals. The current price: $50.50.
What is the quality score of OXBC?
Oxford Bank Corporation has a Quality Score of 61/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Oxford Bank Corporation (OXBC)?
Our model-based price target is the fair value of $50.89 (as of Nov 8, 2026) from 4 valuation models. Cautious scenario $38.17, optimistic scenario $63.62. It is a calculation from audited fundamentals, not an analyst target.
What is the Oxford Bank Corporation stock forecast for 2026?
Our models put fair value at $50.89, about +1% upside versus a price of $50.50 (fairly valued). Cautious scenario $38.17, optimistic scenario $63.62. The calculation is refreshed regularly with new filings.
What is the revenue of Oxford Bank Corporation (OXBC)?
Oxford Bank Corporation reported trailing-twelve-month revenue of about $50.7M (latest available figure, as of Nov 8, 2026).
What is the intrinsic value of Oxford Bank Corporation (OXBC)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Oxford Bank Corporation it is $50.89 per share (as of Nov 8, 2026), against a price of $50.50. It is the blended result of 4 valuation models in 3 families (Multiples, Asset-Based, Economic Profit).
Is Oxford Bank Corporation stock overvalued or undervalued in 2026?
As of Nov 8, 2026, OXBC trades below its calculated fair value: price $50.50, fair value $50.89, a gap of about +1% (fairly valued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of OXBC?
No. The price is what the market pays today ($50.50); the fair value is what the company's own numbers justify ($50.89). For Oxford Bank Corporation the two are $0.3900 per share apart. That gap is exactly why we show both numbers side by side.
How much is Oxford Bank Corporation worth?
The market values Oxford Bank Corporation at about $125M (market capitalisation, as of Nov 8, 2026). Per share that is $50.50; our models calculate a fair value of $50.89 per share.
What do the bullish and bearish scenarios say about OXBC?
Our models span a range for Oxford Bank Corporation: cautious scenario $38.17, base $50.89, optimistic $63.62 per share (as of Nov 8, 2026, price $50.50). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of OXBC?
Oxford Bank Corporation trades at a price-to-earnings ratio of 13.2 (as of Nov 8, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $50.89 is built from several models across several years. Median P/E at fiscal year-end, 10 fiscal years (2016 to 2025), reported earnings: 8.9. Other multiples: P/B 1.1, P/S 2.5.
How solid is the balance sheet of Oxford Bank Corporation (OXBC)?
Balance-sheet figures for Oxford Bank Corporation (as of Nov 8, 2026): return on equity 9.8%, debt of 0.01 per unit of equity. They feed the Quality Score of 61/100, which measures business quality independently of the share price.
How far is OXBC from its 52-week high?
Oxford Bank Corporation trades at $50.50, at its 52-week high of $50.50 and 26% above the low of $40.05 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of $50.89 is for.
Which stocks are comparable to Oxford Bank Corporation?
From the same area (Financial Services) we also value China Merchants Bank Co, DBS Group, UniCredit S.p.A, Mizuho Financial Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Oxford Bank Corporation stock attractive at the current price?
The data as of Nov 8, 2026: price $50.50, calculated fair value $50.89 (+1%), Quality Score 61/100, from 4 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of OXBC calculated?
We run Oxford Bank Corporation through 4 models from 3 families: Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of $50.89 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.3% above its aggregate fair value. Oxford Bank Corporation currently trades 1% below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Oxford Bank Corporation (OXBC)?
The closing price on Nov 6, 2026 was $50.50. Our model-based fair value is $50.89, about +1% upside (fairly valued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Oxford Bank Corporation right now?
The price sits close to our fair value, market and models broadly agree here, little valuation tension. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.

Key figures of Oxford Bank Corporation

How large is the market capitalisation of Oxford Bank Corporation (OXBC)?
The market capitalisation of Oxford Bank Corporation is $125M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Oxford Bank Corporation (OXBC)?
The price-to-sales ratio of Oxford Bank Corporation is 2.47 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Oxford Bank Corporation (OXBC)?
Earnings per share at Oxford Bank Corporation are $3.84 (price ÷ EPS = P/E 13.2). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Oxford Bank Corporation (OXBC)?
The net margin of Oxford Bank Corporation is 18.9% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Oxford Bank Corporation (OXBC)?
The return on equity (ROE) of Oxford Bank Corporation is 9.8% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Oxford Bank Corporation (OXBC)?
On an EBIT basis the return on assets of Oxford Bank Corporation is 1.6% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Oxford Bank Corporation (OXBC)?
The operating margin of Oxford Bank Corporation is 26.1% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Oxford Bank Corporation (OXBC)?
Revenue at Oxford Bank Corporation is growing +15.5% versus a year earlier (3y avg +18.3%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How much free cash flow does Oxford Bank Corporation (OXBC) generate?
The free cash flow of Oxford Bank Corporation is $15.7M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net cash does Oxford Bank Corporation (OXBC) hold?
Oxford Bank Corporation holds more cash than debt, $251M net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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