OXBC (Oxford Bank) Interest Expense: $-11.49 Mil (TTM As of Mar. 2026)


OXBC Oxford Bank Corp OXBC
57 GF Score
Price $43.50
GF Value $39.06
Valuation Modestly Overvalued
! 2 Warning Signs
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What is Oxford Bank Interest Expense?

Oxford Bank OXBC 57 Interest Expense is $-11.49 Mil as of Mar. 2026. GuruFocus rates OXBC with a GF Score™ of 57/100 and a GF Value™ of $39.06 (Modestly Overvalued). The stock has 2 warning signs investors should review.

Interest Expense is the amount reported by a company or individual as an expense for borrowed money. Oxford Bank's interest expense for the three months ended in Mar. 2026 was $ -3.24 Mil. Its interest expense for the trailing twelve months (TTM) ended in Mar. 2026 was $-11.49 Mil.

Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income(EBIT) by its Interest Expense. Oxford Bank's Operating Income for the three months ended in Mar. 2026 was $ Mil. Oxford Bank's Interest Expense for the three months ended in Mar. 2026 was $ Mil. The higher the ratio, the stronger the company's financial strength is. Note: If both Interest Expense and Interest Income are empty, while Net Interest Income is negative, then use Net Interest Income as Interest Expense.

Oxford Bank Interest Expense Historical Data

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The historical data trend for Oxford Bank's Interest Expense 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 Interest Expense Chart

Oxford Bank Annual Data
Trend Dec05 Dec06 Dec07 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Interest Expense
Get a 7-Day Free Trial Premium Member Only Premium Member Only -1.31 -1.92 -5.53 -9.84 -10.64

Oxford Bank Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Interest Expense 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 -2.39 -2.53 -2.62 -3.10 -3.24
OXBC
57GF Score
Oxford Bank Corp OXBC
Interest Expense is just one metric. See GF Score™, valuation, warning signs, and more.
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Oxford Bank Interest Expense Calculation

Interest Expense is the amount reported by a company or individual as an expense for borrowed money.

Interest Expense 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 $-11.49 Mil.

* 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 Interest Expense →
What does a Interest Expense of $-11.49 Mil mean?
Oxford Bank (OXBC) has a Interest Expense of $-11.49 Mil as of Mar. 2026. Interest Expense is the amount a company pays on its long-term debt. View historical data on Oxford Bank and its competitors.
Is Oxford Bank's Interest Expense too high?
Oxford Bank's current Interest Expense is $-11.49 Mil. Overall, Oxford Bank has a GF Score™ of 57/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Oxford Bank's Interest Expense compare to RVSB and PROV?
Oxford Bank's Interest Expense of $-11.49 Mil 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 Interest Expense for a Banks company?
A good Interest Expense depends on the Banks industry context. However, Interest Expense 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 Interest Expense mean?
A high Interest Expense can signal that a stock is expensive relative to its fundamentals. Interest Expense is the amount a company pays on its long-term debt. View historical data on Oxford Bank and its competitors. Oxford Bank's current Interest Expense is $-11.49 Mil. 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 $43.50 — trading 11.4% above its estimated fair value. The current Interest Expense is $-11.49 Mil. Oxford Bank's overall GF Score™ is 57/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Interest Expense calculated?
Interest Expense is calculated from a company's financial statements. For Oxford Bank (OXBC), the current Interest Expense is $-11.49 Mil 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 $43.50 is trading 11.4% above its estimated GF Value™ of $39.06. GuruFocus considers Oxford Bank to be Modestly Overvalued.

Key valuation signals for OXBC:

  • Interest Expense: $-11.49 Mil
  • GF Value™: $39.06 vs. price of $43.50 (11.4% above fair value)
  • GF Score™: 57/100 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.
57GF Score

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Interest Expense is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$43.50
Price
$39.06
GF Value