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Oxford BankOXBC 58 Earnings per Share (Diluted) is $3.92 as of Mar. 2026. GuruFocus rates OXBC with a GF Score™ of 58/100 and a GF Value™ of $39.55 (Modestly Overvalued). The stock has 4 warning signs investors should review. Among 1,411 Banks companies, Oxford Bank ranks better than 56.84% on this metric.
Oxford Bank's EPS (Basic) for the
three
months ended in Mar. 2026 was $0.62.
Its EPS (Basic) for the trailing twelve months (TTM) ended in Mar. 2026 was $3.92.
Oxford Bank's EPS without NRI for the
three
months ended in Mar. 2026 was $0.62.
Its EPS without NRI for the trailing twelve months (TTM) ended in Mar. 2026 was $4.50.
During the past 12 months, Oxford Bank's average EPS without NRIGrowth Rate was 16.20% per year.
During the past 3 years, the average EPS without NRIGrowth Rate was 9.90% per year.
During the past 5 years, the average EPS without NRIGrowth Rate was 6.30% per year.
During the past 13 years, Oxford Bank's highest 3-Year average EPS without NRI Growth Rate was 17.20% per year. The lowest was -7.60% per year. And the median was 4.70% per year.
Oxford Bank (OTCPK:OXBC) Earnings per Share (Diluted) Explanation
Earnings Per Share (EPS) is the single most important variable used by Wall Street in determining the earnings power of a company. But investors need to be aware that Earnings per Share can be easily manipulated by adjusting depreciation and amortization rate or non-recurring items. That's why GuruFocus lists EPS without NRI, which better reflects the company's underlying performance.
Be Aware
Compared with Earnings per share, a company's cash flow is better indicator of the company's earnings power.
If a company's earnings per share is less than cash flow per share over long term, investors need to be cautious and find out why.
Oxford Bank Earnings per Share (Diluted) Related Terms
Oxford Bank Earnings per Share (Diluted) Historical Data
* Premium members only.
The historical data trend for Oxford Bank's Earnings per Share (Diluted) 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.
OXBC vs BYLB, NMBF, HARL: Earnings per Share (Diluted) Comparison
For the Banks - Regional subindustry, Oxford Bank's PE Ratio, along with its competitors' market caps and PE 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 PE Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Oxford Bank's PE Ratio distribution charts can be found below:
* The bar in red indicates where Oxford Bank's PE Ratio falls into.
Oxford Bank Earnings per Share (Diluted) Calculation
Earnings Per Share (EPS) is the amount of earnings per outstanding share of the company's stock. In calculating earnings per share, the dividends of preferred stocks need to subtracted from the total net income first.
Oxford Bank's Earnings Per Share (Diluted) for the fiscal year that ended in Dec. 2025 is calculated as
Earnings per Share (Diluted) 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 $3.92
* 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.
Companies also reported diluted shares in their financial reports. Diluted shares include the shares of convertibles or warrants outstanding.
What does a Earnings per Share (Diluted) of $3.92 mean?
Oxford Bank (OXBC) has a Earnings per Share (Diluted) of $3.92 as of Mar. 2026. Diluted EPS equals net earnings divided by average shares outstanding, including dilutive securities. View historical data on Oxford Bank and its competitors. According to the industry distribution chart, Oxford Bank ranks #609 out of 1411 companies in the Banks industry, placing it in the top 43.2%.
Is Oxford Bank's Earnings per Share (Diluted) too high?
Oxford Bank's current Earnings per Share (Diluted) is $3.92. The Banks industry median Earnings per Share (Diluted) is 7.40. Oxford Bank's value of $3.92 is 47% below this industry median. Based on the distribution chart, Oxford Bank ranks #609 out of 1411 companies in the Banks industry, which is above the industry midpoint. Overall, Oxford Bank has a GF Score™ of 58/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Oxford Bank's Earnings per Share (Diluted) compare to BYLB and NMBF?
According to the Banks industry distribution chart, Oxford Bank ranks #609 out of 1411 companies for Earnings per Share (Diluted). This puts Oxford Bank in the upper half of its industry. The industry median Earnings per Share (Diluted) is 7.40. Oxford Bank's value of $3.92 is 47% below this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Earnings per Share (Diluted) for a Banks company?
The median Earnings per Share (Diluted) among Banks companies is 7.40, based on 1,411 companies in the industry. Companies in the top quartile (top 25%) have a Earnings per Share (Diluted) significantly above this median, while those in the bottom quartile fall well below. However, Earnings per Share (Diluted) should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Oxford Bank's current Earnings per Share (Diluted) of $3.92 is 47% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Earnings per Share (Diluted) mean?
A high Earnings per Share (Diluted) can signal that a stock is expensive relative to its fundamentals. Diluted EPS equals net earnings divided by average shares outstanding, including dilutive securities. View historical data on Oxford Bank and its competitors. For the Banks industry, the median Earnings per Share (Diluted) is 7.40 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Oxford Bank's current Earnings per Share (Diluted) is $3.92. 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 $39.55, compared to a current price of $44.80 — trading 13.3% above its estimated fair value. The current Earnings per Share (Diluted) is $3.92 and 47% below the Banks industry median of 7.40. Oxford Bank's overall GF Score™ is 58/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Earnings per Share (Diluted) calculated?
Earnings per Share (Diluted) is calculated from a company's financial statements. For Oxford Bank (OXBC), the current Earnings per Share (Diluted) is $3.92 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 $44.80 is trading 13.3% above its estimated GF Value™ of $39.55.
GuruFocus considers Oxford Bank to be Modestly Overvalued.
Key valuation signals for OXBC:
Earnings per Share (Diluted): $3.92
GF Value™: $39.55 vs. price of $44.80 (13.3% above fair value)
Industry Position: 47% below the Banks median (#609 of 1411)
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 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.
58GF Score
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