OXBC (Oxford Bank) Cyclically Adjusted PS Ratio: (As of Aug. 13, 2026)

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Director of Data and Quant Analytics at GuruFocus
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OXBC Oxford Bank Corp OXBC
56 GF Score
Price $44.80
GF Value $39.58
Valuation Modestly Overvalued
! 4 Warning Signs
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What is Oxford Bank Cyclically Adjusted PS Ratio?

Shiller PE for Stocks: The True Measure of Stock Valuation


Oxford Bank  (OTCPK:OXBC) Cyclically Adjusted PS Ratio Explanation

Compared with the regular PS Ratio, which works poorly for cyclical businesses, the Cyclically Adjusted PS Ratio smoothed out the fluctuations of revenue during business cycles. Therefore it is more accurate in reflecting the valuation of the company.

If a company has consistent business performance, the Cyclically Adjusted PS Ratio should give similar results to regular PS Ratio.


Oxford Bank Cyclically Adjusted PS Ratio Related Terms


Oxford Bank Cyclically Adjusted PS Ratio Historical Data

* Premium members only.

The historical data trend for Oxford Bank's Cyclically Adjusted PS Ratio 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 Cyclically Adjusted PS Ratio Chart

Oxford Bank Annual Data
Trend Dec05 Dec06 Dec07 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted PS Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 0.00 0.00 1.75 2.12

Oxford Bank Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Cyclically Adjusted PS Ratio 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 1.74 1.94 2.12 2.16 0.00

OXBC vs BYLB, NMBF, HARL: Cyclically Adjusted PS Ratio Comparison

For the Banks - Regional subindustry, Oxford Bank's Cyclically Adjusted PS Ratio, along with its competitors' market caps and Cyclically Adjusted PS Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Oxford Bank Cyclically Adjusted PS Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Oxford Bank's Cyclically Adjusted PS Ratio distribution charts can be found below:

* The bar in red indicates where Oxford Bank's Cyclically Adjusted PS Ratio falls into.


OXBC
56GF Score
Oxford Bank Corp OXBC
Cyclically Adjusted PS Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
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Oxford Bank Cyclically Adjusted PS Ratio Calculation

Like the Shiller PE Ratio, the Cyclically Adjusted PS Ratio takes the Revenue per Share from the past 10 years, adjusts it for inflation, and then calculates the average. This average is then used for the P/S calculation. Because it considers this 10-year average, it's often referred to as the CAPS Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PS Ratio.

Oxford Bank's Cyclically Adjusted Revenue per Share for the quarter that ended in Jun. 2026 is calculated as:

For example, Oxford Bank's adjusted Revenue per Share data for the three months ended in Jun. 2026 was:

Adj_RevenuePerShare=Revenue per Share/CPI of Jun. 2026 (Change)*Current CPI (Jun. 2026)
=5.438/333.9520*333.9520
=5.438

Current CPI (Jun. 2026) = 333.9520.

Oxford Bank Quarterly Data

Revenue per Share CPI Adj_RevenuePerShare
200503 3.980 193.300 6.876
200506 4.051 194.500 6.955
200509 4.167 198.800 7.000
200512 4.112 196.800 6.978
200603 3.963 199.800 6.624
200606 4.220 202.900 6.946
200609 3.340 202.900 5.497
200612 0.547 201.800 0.905
200703 3.653 205.352 5.941
200706 3.910 208.352 6.267
200709 3.485 208.490 5.582
200712 3.159 210.036 5.023
201909 2.554 256.759 3.322
201912 2.439 256.974 3.170
202003 2.421 258.115 3.132
202006 2.563 257.797 3.320
202009 2.640 260.280 3.387
202012 2.958 260.474 3.792
202103 3.281 264.877 4.137
202106 3.614 271.696 4.442
202109 3.175 274.310 3.865
202112 3.001 278.802 3.595
202203 2.643 287.504 3.070
202206 3.258 296.311 3.672
202209 3.692 296.808 4.154
202212 4.344 296.797 4.888
202303 4.529 301.836 5.011
202306 4.373 305.109 4.786
202309 4.761 307.789 5.166
202312 4.613 306.746 5.022
202403 4.861 312.332 5.197
202406 4.924 314.175 5.234
202409 4.764 315.301 5.046
202412 4.980 315.605 5.270
202503 4.798 319.799 5.010
202506 5.121 322.561 5.302
202509 5.266 324.800 5.414
202512 5.619 324.054 5.791
202603 5.200 330.213 5.259
202606 5.438 333.952 5.438

Add all the adjusted revenue per share together and divide 10 will get our Cyclically Adjusted Revenue per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

Is Oxford Bank (OXBC) Overvalued in 2026?

Based on GuruFocus' analysis, Oxford Bank stock appears to be overvalued. The current stock price of $44.80 is trading 13.2% above its estimated GF Value™ of $39.58. GuruFocus considers Oxford Bank to be Modestly Overvalued.

Key valuation signals for OXBC:

  • Cyclically Adjusted PS Ratio:
  • GF Value™: $39.58 vs. price of $44.80 (13.2% above fair value)
  • GF Score™: 56/100 with 4 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.
56GF Score

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Cyclically Adjusted PS Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$44.80
Price
$39.58
GF Value