OXBC (Oxford Bank) EPS (Basic): $4.45 (TTM As of Dec. 2025)

What is Oxford Bank EPS (Basic)?

Oxford Bank OXBC 56 EPS (Basic) is $4.45 as of Dec. 2025. GuruFocus rates OXBC with a GF Score™ of 56/100 and a GF Value™ of $39.05 (Modestly Overvalued). The stock has 3 warning signs investors should review.

Oxford Bank's basic earnings per share (Basic EPS) for the three months ended in Dec. 2025 was $0.93. Its basic earnings per share (Basic EPS) for the trailing twelve months (TTM) ended in Dec. 2025 was $4.45.

Oxford Bank's EPS (Diluted) for the three months ended in Dec. 2025 was $0.93. Its EPS (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was $4.45.

Oxford Bank's EPS without NRI for the three months ended in Dec. 2025 was $1.59. Its EPS without NRIearnings per share without non-recurring items for the trailing twelve months (TTM) ended in Dec. 2025 was 5.03.

During the past 12 months, Oxford Bank's average EPS without NRIGrowth Rate was 21.20% per year. During the past 3 years, the average EPS without NRI Growth Rate was 9.90% per year. During the past 5 years, the average EPS without NRI Growth Rate was 6.30% 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 EPS without NRI Growth Rate using EPS without NRI data.

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) EPS (Basic) Explanation

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 EPS (Basic) Related Terms

Oxford Bank EPS (Basic) Historical Data

* Premium members only.

The historical data trend for Oxford Bank's EPS (Basic) 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 EPS (Basic) Chart

Oxford Bank Annual Data

Trend

Dec05

Dec06

Dec07

Dec19

Dec20

Dec21

Dec22

Dec23

Dec24

Dec25

EPS (Basic)

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4.77

3.69

4.91

4.04

4.43

Oxford Bank Quarterly Data
	Mar21	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23	Mar24	Jun24	Sep24	Dec24	Mar25	Jun25	Sep25	Dec25
EPS (Basic)	Get a 7-Day Free Trial															0.68	1.15	1.13	1.24	0.93

56GF Score

Oxford Bank Corp OXBC

EPS (Basic) is just one metric. See GF Score™, valuation, warning signs, and more.

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Oxford Bank EPS (Basic) Calculation

EPS (Basic) is a rough measurement of the amount of a company's profit that can be allocated to one share of its stock. Basic earnings per share (EPS) do not factor in the dilutive effects on convertible securities.

Oxford Bank's Basic EPS for the fiscal year that ended in Dec. 2025 is calculated as

Basic EPS (A: Dec. 2025 )	=	(Net Income	-	Preferred Dividends)	/	Shares Outstanding (Basic Average)
	=	(10.977	-	0)	/	2.476
	=	4.43

Oxford Bank's Basic EPS for the quarter that ended in Dec. 2025 is calculated as

Basic EPS (Q: Dec. 2025 )	=	(Net Income	-	Preferred Dividends)	/	Shares Outstanding (Basic Average)
	=	(2.296	-	0)	/	2.469
	=	0.93

EPS (Basic) for the trailing twelve months (TTM) ended in Dec. 2025 adds up the quarterly data reported by the company within the most recent 12 months, which was $4.45

Frequently Asked Questions Learn more about EPS (Basic) →

What does a EPS (Basic) of $4.45 mean?

Oxford Bank (OXBC) has a EPS (Basic) of $4.45 as of Dec. 2025. Earnings per share (basic) equals net income divided by the standard, non-diluted average shares outstanding. View historical data on Oxford Bank and its competitors.

Is Oxford Bank's EPS (Basic) too high?

Oxford Bank's current EPS (Basic) is $4.45. Overall, Oxford Bank has a GF Score™ of 56/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.

How does Oxford Bank's EPS (Basic) compare to PROV and GSBX?

Oxford Bank's EPS (Basic) of $4.45 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 EPS (Basic) for a Banks company?

A good EPS (Basic) depends on the Banks industry context. However, EPS (Basic) 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 EPS (Basic) mean?

A high EPS (Basic) can signal that a stock is expensive relative to its fundamentals. Earnings per share (basic) equals net income divided by the standard, non-diluted average shares outstanding. View historical data on Oxford Bank and its competitors. Oxford Bank's current EPS (Basic) is $4.45. 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 $39.05, compared to a current price of $43.50 — trading 11.4% above its estimated fair value. The current EPS (Basic) is $4.45. Oxford Bank's overall GF Score™ is 56/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.

How is EPS (Basic) calculated?

EPS (Basic) is calculated from a company's financial statements. For Oxford Bank (OXBC), the current EPS (Basic) is $4.45 as of Dec. 2025. 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 $43.50 is trading 11.4% above its estimated GF Value™ of $39.05. GuruFocus considers Oxford Bank to be Modestly Overvalued.

Key valuation signals for OXBC:

EPS (Basic): $4.45
GF Value™: $39.05 vs. price of $43.50 (11.4% above fair value)
GF Score™: 56/100 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

Industry Financial Services Banks

Comparable Companies PROV GSBX UNB TYBT KTHN MPCB BSBK BOTJ HARL PBCO SHSE:600036 SGX:D05 MIL:UCG NSE:HDFCBANK XPAR:BNP MIL:ISP TSE:8411 SAU:1120 NSE:ICICIBANK XMAD:CABK

Address 60 South Washington Street, P.O. Box 17, Oxford, MI, USA, 48371

Website https://www.oxfordbank.com

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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EPS (Basic) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$43.50

Price

$39.05

GF Value

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