OXBC (Oxford Bank) EPS (Diluted): $3.92 (TTM As of Mar. 2026)


OXBC Oxford Bank Corp OXBC
55 GF Score
Price $43.75
GF Value $39.06
Valuation Modestly Overvalued
! 2 Warning Signs
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What is Oxford Bank EPS (Diluted)?

Oxford Bank OXBC +0.57% 55 EPS (Diluted) is $3.92 as of Mar. 2026. GuruFocus rates OXBC with a GF Score™ of 55/100 and a GF Value™ of $39.06 (Modestly Overvalued). The stock has 2 warning signs investors should review.

Oxford Bank's Earnings per Share (Diluted) for the three months ended in Mar. 2026 was $0.62. Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 was $3.92.

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 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 (Diluted) 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 (Diluted) Related Terms

Oxford Bank EPS (Diluted) Historical Data

* Premium members only.

The historical data trend for Oxford Bank's EPS (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.

Oxford Bank EPS (Diluted) Chart

Oxford Bank Annual Data
Trend Dec05 Dec06 Dec07 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
EPS (Diluted)
Get a 7-Day Free Trial Premium Member Only Premium Member Only 4.77 3.69 4.91 4.04 4.43

Oxford Bank Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
EPS (Diluted) 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 1.15 1.13 1.24 0.93 0.62

OXBC vs RVSB, PROV, GSBX: EPS (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.


OXBC
55GF Score
Oxford Bank Corp OXBC
EPS (Diluted) is just one metric. See GF Score™, valuation, warning signs, and more.
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Oxford Bank EPS (Diluted) Calculation

EPS (Diluted) is a rough measurement of the amount of a company's profit that can be allocated to one share of its stock. Diluted EPS takes into account all of the outstanding dilutive securities that could potentially be exercised (such as stock options and convertible preferred stock) and shows how such an action would impact earnings per share.

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

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

Oxford Bank's Diluted EPS for the quarter that ended in Mar. 2026 is calculated as

Diluted EPS (Q: Mar. 2026 )=(Net Income - Preferred Dividends) / Shares Outstanding (Diluted Average)
=(1.529-0)/2.476
=0.62

EPS (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.

Frequently Asked Questions Learn more about EPS (Diluted) →
What does a EPS (Diluted) of $3.92 mean?
Oxford Bank (OXBC) has a EPS (Diluted) of $3.92 as of Mar. 2026. Earnings per share (diluted) equals net income divided by the diluted average shares outstanding. View historical data on Oxford Bank and its competitors.
Is Oxford Bank's EPS (Diluted) too high?
Oxford Bank's current EPS (Diluted) is $3.92. Overall, Oxford Bank has a GF Score™ of 55/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Oxford Bank's EPS (Diluted) compare to RVSB and PROV?
Oxford Bank's EPS (Diluted) of $3.92 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 (Diluted) for a Banks company?
A good EPS (Diluted) depends on the Banks industry context. However, EPS (Diluted) 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 (Diluted) mean?
A high EPS (Diluted) can signal that a stock is expensive relative to its fundamentals. Earnings per share (diluted) equals net income divided by the diluted average shares outstanding. View historical data on Oxford Bank and its competitors. Oxford Bank's current EPS (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 $39.06, compared to a current price of $43.75 — trading 12% above its estimated fair value. The current EPS (Diluted) is $3.92. Oxford Bank's overall GF Score™ is 55/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EPS (Diluted) calculated?
EPS (Diluted) is calculated from a company's financial statements. For Oxford Bank (OXBC), the current EPS (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 $43.75 is trading 12% above its estimated GF Value™ of $39.06. GuruFocus considers Oxford Bank to be Modestly Overvalued.

Key valuation signals for OXBC:

  • EPS (Diluted): $3.92
  • GF Value™: $39.06 vs. price of $43.75 (12% above fair value)
  • GF Score™: 55/100 with 2 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.
55GF Score

Get the complete analysis for OXBC

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

$43.75
Price
$39.06
GF Value