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Oxford Bank Corporation (OXBC)
Oxford, MI, US
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.
No mergers or acquisitions recorded for this company.
| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| +0.00% | +0.00% | +1.90% | +2.38% | +6.17% | +5.24% | +26.43% | +49.57% | +38.93% | +358.91% | +244.00% |
Revenue flow
Revenue by geography
Revenue by segment
Revenue composition
By product
By geography
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.
| Rating | 2024-11 | Change |
|---|---|---|
| Strong Buy | 0 | 0 |
| Buy | 0 | 0 |
| Hold | 0 | 0 |
| Sell | 0 | 0 |
| Strong Sell | 0 | 0 |
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Revenue growth+1.0% Q1'26: +13.3% (vs Q1'25)
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EPS growth+9.6% Q1'26: -46.1% (vs Q1'25)
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FCF margin— Q1'26: +0.0% (vs Q1'25)
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EBIT margin— Q1'26: +16.0% (vs Q1'25)
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ROIC— Q1'26: +6.7% (vs Q1'25)
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Share dilution+0.5% Q1'26: +0.4% (vs Q1'25)
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Debt / EBITDA— Q1'26: 3.87× (vs Q1'25)
* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-22 | B+ | 3/5 | 4/5 | 3/5 | 3/5 | 2/5 | 3/5 | 3/5 |
| 2026-05-20 | B+ | 3/5 | 4/5 | 3/5 | 3/5 | 2/5 | 3/5 | 3/5 |
| 2026-05-18 | B+ | 3/5 | 4/5 | 3/5 | 4/5 | 2/5 | 3/5 | 3/5 |
| 2026-05-14 | B+ | 3/5 | 4/5 | 3/5 | 4/5 | 2/5 | 3/5 | 3/5 |
| 2026-05-13 | B+ | 3/5 | 3/5 | 3/5 | 4/5 | 3/5 | 3/5 | 3/5 |
| 2026-05-12 | B+ | 3/5 | 3/5 | 3/5 | 4/5 | 3/5 | 3/5 | 3/5 |
| 2026-05-11 | B+ | 3/5 | 3/5 | 3/5 | 3/5 | 3/5 | 3/5 | 3/5 |
| 2026-05-07 | B+ | 3/5 | 3/5 | 3/5 | 4/5 | 3/5 | 3/5 | 3/5 |
| 2026-05-01 | B+ | 3/5 | 3/5 | 3/5 | 4/5 | 3/5 | 3/5 | 3/5 |
| 2026-04-30 | B+ | 3/5 | 3/5 | 3/5 | 4/5 | 3/5 | 3/5 | 3/5 |
| 2026-04-24 | B+ | 3/5 | 4/5 | 3/5 | 4/5 | 2/5 | 3/5 | 3/5 |
| 2026-04-23 | B+ | 3/5 | 4/5 | 3/5 | 4/5 | 2/5 | 3/5 | 3/5 |
Owner Earnings
Ownership Overview
No beneficial ownership filings recorded.
Institutional Activity (13F)
| # | Investor | Shares / Δ | Mkt value / Δ | Own% / Δ | Weight% / Δ | Avg px / Perf. | Hold / Status |
|---|---|---|---|---|---|---|---|
| 1 | SIENA CAPITAL PARTNERS GP, LLC | 135.5K +— (+0.0%) | 5.54M +523.0K (+10.4%) | 5.48% -0.021 pp | 1.49% +0.052 pp | USD21.27 +92.1% | 28 qtrs — |
ETF Ownership
This company is not held by any ETF in our universe.
Insider Activity
No insider activity available.
Insider history not available.
No recent insider transactions.
Executive team
Executive compensation
Executive compensation not available.
No CEO compensation history available.
Proxy statements
No proxy statements available for this company yet.
Recent SEC filings
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| David Lamb | Chairman, President & Chief Executive Officer | — | male |
| J. Matthew Lowman | Executive Vice President, Chief Lending Officer, Chief Risk Officer & Director | — | male |
| Mark Morrison | Chief Relationship Officer | — | male |
| Michael K. Goik | President of Oxford Commercial Finance & Director | — | male |
| Nancy Rosentrater | Chief Operating Officer | — | female |
| Nathan A. Reason | Chief Financial Officer, Executive Vice President & Treasurer | — | male |
No data available for this company.
No Senate trading activity found for this company.
No House trading activity found for this company.
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Community Opinion for OXBC
Short-term intention
Target Price Distribution
These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.
