Oxford Bank Corporation (OXBC)
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No price history available.
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total net revenue | $m | 24 | 30 | 33 | 45 | 48 | 48 | 50 | - |
| Operating profit | $m | 15 | 13 | ||||||
| Net profit | $m | 7 | 11 | 9 | 12 | 10 | 11 | 10 | - |
| EPS reported | $ | 4.44 | 3.88 | ||||||
| Operating cashflow per share | $ | 6.86 | 0.00 | ||||||
| Capex per share | $ | 0.51 | 0.00 | ||||||
| FCF per share | $ | 6.35 | 0.00 | ||||||
| Free cash flow | $m | 16 | 0 | ||||||
| Net debt | $m | -251 | -1 | ||||||
| Book value equity | $m | 110 | 113 | ||||||
| Book value per share | $ | 44.38 | 45.67 | ||||||
| Number of shares | m | 2.47 | 2.49 | ||||||
| DPS (TTM paid) | $ | 0.00 | 0.00 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 9.20 | 11.58 | ||||||
| P/B LTM | x | 0.92 | 0.89 | ||||||
| P/S LTM | x | 2.11 | 2.04 | ||||||
| P/FCF LTM | x | 6.43 | 0.00 | ||||||
| EV/EBITDA LTM | x | -10.13 | -11.44 | ||||||
| EV/Sales LTM | x | -2.56 | 2.06 | ||||||
| Earnings Yield LTM | % | +10.87% | +8.64% | ||||||
| FCF Yield | % | +15.54% | 0.00% | ||||||
| Quality | |||||||||
| ROE | % | +9.99% | +8.97% | ||||||
| ROIC | % | +8.63% | +1.39% | ||||||
| Operating margin | % | +25.30% | +27.14% | ||||||
| Gross margin | % | +77.76% | +81.46% | ||||||
| FCF/Sales | % | +26.83% | 0.00% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | +9.63% | -4.20% | ||||||
| Sales Growth YoY | % | -0.41% | +3.13% | ||||||
| Net Income Growth YoY | % | +10.10% | -3.63% | ||||||
| FCF Growth | % | -1.22% | -100.00% | ||||||
| Operating Profit Growth | % | +9.82% | -2.80% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | 0.00% | 0.00% | ||||||
| Dividend Growth | % | - | - | ||||||
| Payout Ratio | % | 0.00% | 0.00% | ||||||
| FCF/Debt | x | 1.13 | 0.00 | ||||||
| Net Debt/EBITDA | x | -16.95 | 0.39 | ||||||
| EBIT/Net interest | x | 1.39 | 1.33 | ||||||
| Net debt/market cap | % | +13.70% | +35.76% | ||||||
| Net debt/Equity | x | -2.29 | -0.01 | ||||||
| Gross debt/equity | x | 0.13 | 0.33 | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
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 certificates of deposit. For lending needs, the bank provides a comprehensive portfolio including home mortgages, home equity loans, auto loans, student loans, term loans, commercial real estate financing, Small Business Administration (SBA) loans, and lines of credit. Beyond traditional banking, Oxford Bank Corporation delivers numerous other services, such as cash management, merchant card processing, remote deposit capture, payroll solutions, overdraft protection, wire transfers, night depository access, notary services, safe deposit boxes, and interactive teller machines. Customers also benefit from modern conveniences like online, telephone, and mobile banking platforms, as well as debit and credit card options and insurance products. The bank serves its communities through physical branches located in Clarkston, Davison, Dryden, Lake Orion, Ortonville, Oxford, and Oakland. Established in 1884, Oxford Bank Corporation maintains its headquarters in Oxford, Michigan.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
Oxford Bank Corporation (OXBC)
No price history available.
Not enough data to calculate KvantraRank
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
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 certificates of deposit. For lending needs, the bank provides a comprehensive portfolio including home mortgages, home equity loans, auto loans, student loans, term loans, commercial real estate financing, Small Business Administration (SBA) loans, and lines of credit. Beyond traditional banking, Oxford Bank Corporation delivers numerous other services, such as cash management, merchant card processing, remote deposit capture, payroll solutions, overdraft protection, wire transfers, night depository access, notary services, safe deposit boxes, and interactive teller machines. Customers also benefit from modern conveniences like online, telephone, and mobile banking platforms, as well as debit and credit card options and insurance products. The bank serves its communities through physical branches located in Clarkston, Davison, Dryden, Lake Orion, Ortonville, Oxford, and Oakland. Established in 1884, Oxford Bank Corporation maintains its headquarters in Oxford, Michigan.
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