OXBC (Oxford Bank) Moat Score: 4/10 (As of Jun. 28, 2026)


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

Oxford Bank OXBC 57 Moat Score is 4 as of Jun. 28, 2026. GuruFocus rates OXBC with a GF Score™ of 57/100 and a GF Value™ of $39.06 (Modestly Overvalued). The stock has 3 warning signs investors should review. Among 1,610 Banks companies, Oxford Bank ranks better than 86.15% on this metric.

Oxford Bank has the Moat Score of 4, which implies that the company might have Narrow Moat - Discernible but modest moat.

Oxford Bank has Narrow Moat: Oxford Bank Corp has a modest moat due to its regional market leadership and customer loyalty. However, it lacks significant network effects, intellectual property, or strong pricing power. Its moat is primarily based on local brand strength and customer relationships, which provide some competitive advantage but are not robust enough for a wide moat.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Oxford Bank might have Narrow Moat - Discernible but modest moat.

Oxford Bank  (OTCPK:OXBC) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Oxford Bank Moat Score Related Terms

OXBC vs PROV, GSBX, UNB: Moat Score Comparison

For the Banks - Regional subindustry, Oxford Bank's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs Banks Industry

For the Banks industry and Financial Services sector, Oxford Bank's Moat Score distribution charts can be found below:

* The bar in red indicates where Oxford Bank's Moat Score falls into.


OXBC
57GF Score
Oxford Bank Corp OXBC
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 4 mean?
Oxford Bank (OXBC) has a Moat Score of 4 as of Jun. 28, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Oxford Bank ranks #223 out of 1610 companies in the Banks industry, placing it in the top 13.9%.
Is Oxford Bank's Moat Score too high?
Oxford Bank's current Moat Score is 4. Based on the distribution chart, Oxford Bank ranks #223 out of 1610 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. 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 Moat Score compare to PROV and GSBX?
According to the Banks industry distribution chart, Oxford Bank ranks #223 out of 1610 companies for Moat Score. This places Oxford Bank in the top 14% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score 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 Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Oxford Bank's current Moat Score is 4. 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 Moat Score is 4. Oxford Bank's overall GF Score™ is 57/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Oxford Bank (OXBC), the current Moat Score is 4 as of Jun. 28, 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:

  • Moat Score: 4
  • GF Value™: $39.06 vs. price of $43.50 (11.4% above fair value)
  • GF Score™: 57/100 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.
57GF Score

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$43.50
Price
$39.06
GF Value