Oxford BankOXBC 56 OCF Margin % is 0.00% 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. Among 1,500 Banks companies, Oxford Bank ranks better than 58.4% on this metric.
The historical rank and industry rank for Oxford Bank's OCF Margin % or its related term are showing as below:
OXBC'
s OCF Margin % Range Over the Past 10 Years
Min: -17.02 Med: 31.81 Max: 35.96
Current: 34.03
During the past 13 years, the highest OCF Margin % of Oxford Bank was 35.96%. The lowest was -17.02%. And the median was 31.81%.
OXBC's OCF Margin % is ranked better than 58.4% of 1500
companies
in the Banks industry
Industry Median: 29.44
vs OXBC: 34.03
Oxford Bank OCF Margin % Related Terms
Oxford Bank OCF Margin % Historical Data
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The historical data trend for Oxford Bank's OCF 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 OCF Margin %, along with its competitors' market caps and OCF 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 OCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Oxford Bank's OCF Margin % distribution charts can be found below:
* The bar in red indicates where Oxford Bank's OCF 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 OCF Margin % of 0.00% as of Dec. 2025. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Oxford Bank and its competitors. According to the industry distribution chart, Oxford Bank ranks #624 out of 1500 companies in the Banks industry, placing it in the top 41.6%.
Is Oxford Bank's OCF Margin % too high?
Oxford Bank's current OCF Margin % is 0.00%. Based on the distribution chart, Oxford Bank ranks #624 out of 1500 companies in the Banks industry, which is above 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 OCF Margin % compare to PROV and GSBX?
According to the Banks industry distribution chart, Oxford Bank ranks #624 out of 1500 companies for OCF Margin %. This puts Oxford Bank in the upper half of its industry. The industry median OCF Margin % is 29.44. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good OCF Margin % for a Banks company?
The median OCF Margin % among Banks companies is 29.44, based on 1,500 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF Margin % 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 OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Oxford Bank and its competitors. For the Banks industry, the median OCF Margin % is 29.44 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Oxford Bank's current OCF Margin % is 0.00%. 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 OCF Margin % is 0.00%. 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 OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For Oxford Bank (OXBC), the current OCF Margin % is 0.00% 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:
OCF Margin %: 0.00%
GF Value™: $39.05 vs. price of $43.50 (11.4% above fair value)
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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