Oxford BankOXBC 56 Net Margin % is 16.55% as of Dec. 2025, which is 27% below its 10-year median of 22.64. 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. Among 1,526 Banks companies, Oxford Bank ranks worse than 67.3% on this metric.
Net margin is calculated as Net Income divided by its Revenue. Oxford Bank's Net Income for the
three
months ended in Dec. 2025 was $2.30 Mil. Oxford Bank's Revenue for the
three
months ended in Dec. 2025 was $13.87 Mil. Therefore, Oxford Bank's net margin for the quarter that ended in Dec. 2025 was 16.55%.
The historical rank and industry rank for Oxford Bank's Net Margin % or its related term are showing as below:
OXBC'
s Net Margin % Range Over the Past 10 Years
Min: -32.78 Med: 22.64 Max: 36.62
Current: 21.37
OXBC's Net Margin % is ranked worse than 67.3% of 1526
companies
in the Banks industry
Industry Median: 26.97
vs OXBC: 21.37
Oxford Bank (OTCPK:OXBC) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Oxford Bank Net Margin % Related Terms
Oxford Bank Net Margin % Historical Data
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The historical data trend for Oxford Bank's Net Margin % 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.
For the Banks - Regional subindustry, Oxford Bank's Net Margin %, along with its competitors' market caps and Net Margin % 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 Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Oxford Bank's Net Margin % distribution charts can be found below:
* The bar in red indicates where Oxford Bank's Net Margin % falls into.
* 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 (OXBC) has a Net Margin % of 16.55% as of Dec. 2025. Net margin is the ratio of total net income to net sales. View historical data on Oxford Bank and its competitors. This is 27% below median its historical median of 22.64. According to the industry distribution chart, Oxford Bank ranks #1027 out of 1526 companies in the Banks industry, placing it in the top 67.3%.
Is Oxford Bank's Net Margin % too high?
Oxford Bank's current Net Margin % of 16.55% is 27% below median its 10-year median of 22.64. The Banks industry median Net Margin % is 26.97. Oxford Bank's value of 16.55% is 38.6% below this industry median. Based on the distribution chart, Oxford Bank ranks #1027 out of 1526 companies in the Banks industry, which is below the industry midpoint. 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 Net Margin % compare to PROV and GSBX?
According to the Banks industry distribution chart, Oxford Bank ranks #1027 out of 1526 companies for Net Margin %. This places Oxford Bank in the lower half of its industry. The industry median Net Margin % is 26.97. Oxford Bank's value of 16.55% is 38.6% below this benchmark. While the company's 10-year median is 22.64 vs. the industry median of 26.97, Oxford Bank has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 26.97, based on 1,526 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Oxford Bank's current Net Margin % of 16.55% is 38.6% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Oxford Bank and its competitors. For the Banks industry, the median Net Margin % is 26.97 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Oxford Bank's current Net Margin % is 16.55%, which is 27% below median its own 10-year median of 22.64. 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 Net Margin % is 16.55%, which is 27% below median its 10-year median of 22.64 and 38.6% below the Banks industry median of 26.97. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Oxford Bank (OXBC), the current Net Margin % is 16.55% 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:
Net Margin %: 16.55% (27% below median its 10-year median of 22.64)
GF Value™: $39.05 vs. price of $43.50 (11.4% above fair value)
Industry Position: 38.6% below the Banks median (#1027 of 1526)
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.
56GF Score
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