OXBC (Oxford Bank) Change In Receivables: $0.00 Mil (TTM As of Mar. 2026)

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OXBC Oxford Bank Corp OXBC
61 GF Score
Price $44.50
GF Value $39.33
Valuation Modestly Overvalued
! 3 Warning Signs
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What is Oxford Bank Change In Receivables?

Oxford Bank OXBC 61 Change In Receivables is $0.00 Mil as of Mar. 2026. GuruFocus rates OXBC with a GF Score™ of 61/100 and a GF Value™ of $39.33 (Modestly Overvalued). The stock has 3 warning signs investors should review.

Oxford Bank's change in receivables for the quarter that ended in Mar. 2026 was $0.00 Mil. It means Oxford Bank's Accounts Receivable stayed the same from Dec. 2025 to Mar. 2026 .

Oxford Bank's change in receivables for the fiscal year that ended in Dec. 2025 was $1.26 Mil. It means Oxford Bank's Accounts Receivable declined by $1.26 Mil from Dec. 2024 to Dec. 2025 .

Oxford Bank's Accounts Receivable for the quarter that ended in Mar. 2026 was $0.00 Mil.

Days Sales Outstanding measures of the average number of days that a company takes to collect revenue after a sale has been made. It is a financial ratio that illustrates how well a company's Accounts Receivable are being managed. Oxford Bank's Days Sales Outstanding for the three months ended in Mar. 2026 was 0.00.

In Ben Graham's calculation of liquidation value, Apple Inc's Accounts Receivable are only considered to be worth 75% of book value. Oxford Bank's liquidation value for the three months ended in Mar. 2026 was $-754.02 Mil.


Oxford Bank  (OTCPK:OXBC) Change In Receivables Explanation

1. Accounts Receivable are created when a customer has received a product but has not yet paid for that product. Days Sales Outstanding measures of the average number of days that a company takes to collect revenue after a sale has been made. It is a financial ratio that illustrates how well a company's Accounts Receivable are being managed.

Oxford Bank's Days Sales Outstanding for the quarter that ended in Mar. 2026 is calculated as:

Days Sales Outstanding
=Accounts Receivable/Revenue*Days in Period
=0/12.875*91
=0.00

2. In Ben Graham's calculation of liquidation value, Oxford Bank's accounts receivable are only considered to be worth 75% of book value:

Oxford Bank's liquidation value for the quarter that ended in Mar. 2026 is calculated as:

Liquidation Value
=Cash, Cash Equivalents, Marketable Securities-Total Liabilities+(0.75 * Accounts Receivable)+(0.5 * Total Inventories)
=35.118-789.141+0.75 * 0+0.5 * 0
=-754.02

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.


Oxford Bank Change In Receivables Related Terms


Oxford Bank Change In Receivables Historical Data

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The historical data trend for Oxford Bank's Change In Receivables can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Oxford Bank Change In Receivables Chart

Oxford Bank Annual Data
Trend Dec05 Dec06 Dec07 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Change In Receivables
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 0.00 -5.12 1.79 1.26

Oxford Bank Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Change In Receivables Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.00 0.00 0.00 0.00 0.00
OXBC
61GF Score
Oxford Bank Corp OXBC
Change In Receivables is just one metric. See GF Score™, valuation, warning signs, and more.
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Oxford Bank Change In Receivables Calculation

Change In Accounts Receivable relative to the previous period. It is any increase or decrease in the cash a company is owed by its customers.

Change In Receivables for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $0.00 Mil.

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Frequently Asked Questions Learn more about Change In Receivables →
What does a Change In Receivables of $0.00 Mil mean?
Oxford Bank (OXBC) has a Change In Receivables of $0.00 Mil as of Mar. 2026. Change in Receivables is the difference between current-period receivables and past-period receivables. View historical data for Oxford Bank and its competitors.
Is Oxford Bank's Change In Receivables too high?
Oxford Bank's current Change In Receivables is $0.00 Mil. Overall, Oxford Bank has a GF Score™ of 61/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Oxford Bank's Change In Receivables compare to RVSB and PROV?
Oxford Bank's Change In Receivables of $0.00 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Change In Receivables for a Banks company?
A good Change In Receivables depends on the Banks industry context. However, Change In Receivables should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Change In Receivables mean?
A high Change In Receivables can signal that a stock is expensive relative to its fundamentals. Change in Receivables is the difference between current-period receivables and past-period receivables. View historical data for Oxford Bank and its competitors. Oxford Bank's current Change In Receivables is $0.00 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Oxford Bank stock overvalued right now?
Based on GuruFocus' analysis, Oxford Bank (OXBC) is currently considered Modestly Overvalued. The stock's GF Value™ is $39.33, compared to a current price of $44.50 — trading 13.1% above its estimated fair value. The current Change In Receivables is $0.00 Mil. Oxford Bank's overall GF Score™ is 61/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Change In Receivables calculated?
Change In Receivables is calculated from a company's financial statements. For Oxford Bank (OXBC), the current Change In Receivables is $0.00 Mil as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Oxford Bank (OXBC) Overvalued in 2026?

Based on GuruFocus' analysis, Oxford Bank stock appears to be overvalued. The current stock price of $44.50 is trading 13.1% above its estimated GF Value™ of $39.33. GuruFocus considers Oxford Bank to be Modestly Overvalued.

Key valuation signals for OXBC:

  • Change In Receivables: $0.00 Mil
  • GF Value™: $39.33 vs. price of $44.50 (13.1% above fair value)
  • GF Score™: 61/100 with 3 warning signs

No single metric tells the full story. See the OXBC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Oxford Bank Business Description

Address 60 South Washington Street, P.O. Box 17, Oxford, MI, USA, 48371
Oxford Bank Corp provides commercial banking services. The company offers personal and business banking, wealth management and insurance services to its clients. It also provides a variety of financial services to individuals and small and medium-sized businesses through its branches. Its primary deposit products are saving, money markets, and term certificate accounts. Its primary lending products are commercial loans and commercial real estate loans, and, to a lesser extent, factoring receivables, commercial leasing, mortgage loans and consumer loans. All of the operations of the company are carried in USA.
61GF Score

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Change In Receivables is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$44.50
Price
$39.33
GF Value