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Oxford Bank Corporation (OXBC) Fair Value & Analysis

Financial Services · US · Market cap $107M

Price$43.50
Fair Value$57.56
Upside+32.3%
Quality95/100
Evidence: High Range $43.17 – $71.95

Fair value as of: Jun 26, 2026

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Analysis

Oxford Bank Corporation (OXBC) currently trades at $43.50, while our model-based Fair Value estimate is $57.56 — implying the stock looks roughly 32.3% undervalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high) — always confirm before acting.

About the company

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. 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 O…

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Frequently asked questions

Is Oxford Bank Corporation (OXBC) undervalued?
As of Jun 26, 2026, our model estimates a fair value of $57.56 versus a price of $43.50 — about +32% (undervalued). Model-based estimate, not financial advice.
What is the fair value of OXBC?
Our 21-model fair value for Oxford Bank Corporation is $57.56 (as of Jun 26, 2026), built from audited fundamentals. The current price is $43.50.
What is the quality score of OXBC?
Oxford Bank Corporation has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.