OXBC (Oxford Bank) Cyclically Adjusted Revenue per Share: $19.48 (As of Mar. 2026)


OXBC Oxford Bank Corp OXBC
62 GF Score
Price $43.85
GF Value $39.04
Valuation Modestly Overvalued
! 3 Warning Signs
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What is Oxford Bank Cyclically Adjusted Revenue per Share?

Oxford Bank OXBC 62 Cyclically Adjusted Revenue per Share is $19.48 as of Mar. 2026. GuruFocus rates OXBC with a GF Score™ of 62/100 and a GF Value™ of $39.04 (Modestly Overvalued). The stock has 3 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Revenue per Share and the Cyclically Adjusted PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted Revenue per Share of a company over the past 10 years.

Oxford Bank's adjusted revenue per share for the three months ended in Mar. 2026 was $5.200. Add all the adjusted revenue per share for the past 10 years together and divide the count will get our Cyclically Adjusted Revenue per Share, which is $19.48 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Oxford Bank's average Cyclically Adjusted Revenue Growth Rate was 0.60% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Cyclically Adjusted Revenue Growth Rate using Cyclically Adjusted Revenue per Share data.

As of today (2026-07-07), Oxford Bank's current stock price is $43.85. Oxford Bank's Cyclically Adjusted Revenue per Share for the quarter that ended in Mar. 2026 was $19.48. Oxford Bank's Cyclically Adjusted PS Ratio of today is 2.25.

During the past 13 years, the highest Cyclically Adjusted PS Ratio of Oxford Bank was 2.25. The lowest was 1.55. And the median was 1.78.


Oxford Bank  (OTCPK:OXBC) Cyclically Adjusted Revenue per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted Revenue per Share may underestimate the company's revenue. Cyclically Adjusted PS Ratio can seem to be too high even the actual PS Ratio is low.

For the Cyclically Adjusted PS Ratio, the revenue per share of the past 10 years are inflation-adjusted and averaged. The result is used for P/S calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted PS Ratio is also called CAPS Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted revenue per share of a company over the past 10 years.

Oxford Bank's Cyclically Adjusted PS Ratio of today is calculated as

Cyclically Adjusted PS Ratio=Share Price/Cyclically Adjusted Revenue per Share
=43.85/19.48
=2.25

* 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.

During the past 13 years, the highest Cyclically Adjusted PS Ratio of Oxford Bank was 2.25. The lowest was 1.55. And the median was 1.78.


Be Aware

Cyclically Adjusted PS Ratio works better for cyclical companies. It gives you a better idea on the company's real revenue value.


Oxford Bank Cyclically Adjusted Revenue per Share Related Terms


Oxford Bank Cyclically Adjusted Revenue per Share Historical Data

* Premium members only.

The historical data trend for Oxford Bank's Cyclically Adjusted Revenue per Share 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 Revenue per Share Chart

Oxford Bank Annual Data
Trend Dec05 Dec06 Dec07 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted Revenue per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 0.00 0.00 19.34 19.29

Oxford Bank Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Cyclically Adjusted Revenue per Share 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 19.37 19.41 19.43 19.29 19.48

OXBC vs RVSB, PROV, GSBX: Cyclically Adjusted Revenue per Share 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
62GF Score
Oxford Bank Corp OXBC
Cyclically Adjusted Revenue per Share is just one metric. See GF Score™, valuation, warning signs, and more.
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Oxford Bank Cyclically Adjusted Revenue per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Revenue per Share and the Cyclically Adjusted PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted Revenue per Share of a company over the past 10 years.

What is Cyclically Adjusted Revenue per Share? How do we calculate Cyclically Adjusted Revenue per Share?

Cyclically Adjusted Revenue per Share is the average of the inflation adjusted Revenue per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted Revenue per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the revenue per share from 2001 through 2010.

We adjusted the 2001 revenue per share data with the total inflation from 2001 through 2010 to the equivalent revenue in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's revenue is $1 a share in 2001, then the 2001's equivalent revenue in 2010 is $1.4 a share. If Wal-Mart's revenue is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 revenue in 2010 is $1.35. So on and so forth, you get the equivalent revenue per share of past 10 years. Then you add them together and divided the sum by the count to get 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.

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

Adj_RevenuePerShare= Revenue per Share /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=5.2/330.2130*330.2130
=5.200

Current CPI (Mar. 2026) = 330.2130.

Oxford Bank Quarterly Data

Revenue per Share CPI Adj_RevenuePerShare
200412 3.990 190.300 6.924
200503 3.980 193.300 6.799
200506 4.051 194.500 6.878
200509 4.167 198.800 6.922
200512 4.112 196.800 6.900
200603 3.963 199.800 6.550
200606 4.220 202.900 6.868
200609 3.340 202.900 5.436
200612 0.547 201.800 0.895
200703 3.653 205.352 5.874
200706 3.910 208.352 6.197
200709 3.485 208.490 5.520
200712 3.159 210.036 4.966
201909 2.554 256.759 3.285
201912 2.439 256.974 3.134
202003 2.421 258.115 3.097
202006 2.563 257.797 3.283
202009 2.640 260.280 3.349
202012 2.958 260.474 3.750
202103 3.281 264.877 4.090
202106 3.614 271.696 4.392
202109 3.175 274.310 3.822
202112 3.001 278.802 3.554
202203 2.643 287.504 3.036
202206 3.258 296.311 3.631
202209 3.692 296.808 4.108
202212 4.344 296.797 4.833
202303 4.529 301.836 4.955
202306 4.373 305.109 4.733
202309 4.761 307.789 5.108
202312 4.613 306.746 4.966
202403 4.861 312.332 5.139
202406 4.924 314.175 5.175
202409 4.764 315.301 4.989
202412 4.980 315.605 5.211
202503 4.798 319.799 4.954
202506 5.121 322.561 5.242
202509 5.266 324.800 5.354
202512 5.619 324.054 5.726
202603 5.200 330.213 5.200

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

What does a Cyclically Adjusted Revenue per Share of $19.48 mean?
Oxford Bank (OXBC) has a Cyclically Adjusted Revenue per Share of $19.48 as of Mar. 2026. Cyclically adjusted revenue per share represents the company's inflation-adjusted revenue per share over a 10-year period. View historical data on Oxford Bank and its competitors.
Is Oxford Bank's Cyclically Adjusted Revenue per Share too high?
Oxford Bank's current Cyclically Adjusted Revenue per Share is $19.48. Overall, Oxford Bank has a GF Score™ of 62/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Oxford Bank's Cyclically Adjusted Revenue per Share compare to RVSB and PROV?
Oxford Bank's Cyclically Adjusted Revenue per Share of $19.48 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 Cyclically Adjusted Revenue per Share for a Banks company?
A good Cyclically Adjusted Revenue per Share depends on the Banks industry context. However, Cyclically Adjusted Revenue per Share 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 Cyclically Adjusted Revenue per Share mean?
A high Cyclically Adjusted Revenue per Share can signal that a stock is expensive relative to its fundamentals. Cyclically adjusted revenue per share represents the company's inflation-adjusted revenue per share over a 10-year period. View historical data on Oxford Bank and its competitors. Oxford Bank's current Cyclically Adjusted Revenue per Share is $19.48. 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 $39.04, compared to a current price of $43.85 — trading 12.3% above its estimated fair value. The current Cyclically Adjusted Revenue per Share is $19.48. Oxford Bank's overall GF Score™ is 62/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted Revenue per Share calculated?
Cyclically Adjusted Revenue per Share is calculated from a company's financial statements. For Oxford Bank (OXBC), the current Cyclically Adjusted Revenue per Share is $19.48 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 $43.85 is trading 12.3% above its estimated GF Value™ of $39.04. GuruFocus considers Oxford Bank to be Modestly Overvalued.

Key valuation signals for OXBC:

  • Cyclically Adjusted Revenue per Share: $19.48
  • GF Value™: $39.04 vs. price of $43.85 (12.3% above fair value)
  • GF Score™: 62/100 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.
62GF Score

Get the complete analysis for OXBC

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

$43.85
Price
$39.04
GF Value