Oxford BankOXBC 57 Dividend Payout Ratio is 0.00 as of Dec. 2025. 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 1,168 Banks companies, Oxford Bank ranks worse than 85616.35% on this metric.
The Dividend Payout Ratio is the measure of dividends paid out to shareholders relative to the company's net income. It is calculated as the Dividends per Share divided by the Earnings per Share (Diluted) during the same time period. Oxford Bank's Dividend Payout Ratio for the
months ended in Dec. 2025 was 0.00.
The historical rank and industry rank for Oxford Bank's Dividend Payout Ratio or its related term are showing as below:
During the past 13 years, the highest Dividend Payout Ratio of Oxford Bank was 0.46. The lowest was 0.35. And the median was 0.41.
OXBC's Dividend Payout Ratio is not ranked *
in the Banks industry.
Industry Median: 0.32 * Ranked among companies with meaningful Dividend Payout Ratio only.
During the past 13 years, the highest 3-Year average Dividends Per Share Growth Rate of Oxford Bank was 63.70% per year. The lowest was -8.00% per year. And the median was 27.85% per year.
The growth rate is calculated with least square regression.
For more information regarding to dividend, please check our Dividend Page.
* Please note that "special dividend" is not included in the calculation of dividend per share and related fields.
Oxford Bank (OTCPK:OXBC) Dividend Payout Ratio Explanation
In dividends investing, Dividend Payout Ratio and Dividend Growth Rate are the two most important variables for consideration. A lower payout ratio may indicate that the company has more room to increase its dividends.
Oxford Bank Dividend Payout Ratio Related Terms
Oxford Bank Dividend Payout Ratio Historical Data
* Premium members only.
The historical data trend for Oxford Bank's Dividend Payout Ratio 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.
OXBC vs PROV, GSBX, UNB: Dividend Payout Ratio Comparison
For the Banks - Regional subindustry, Oxford Bank's Dividend Payout Ratio, along with its competitors' market caps and Dividend Payout 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 Dividend Payout Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Oxford Bank's Dividend Payout Ratio distribution charts can be found below:
* The bar in red indicates where Oxford Bank's Dividend Payout Ratio falls into.
The Dividend Payout Ratio is the measure of dividends paid out to shareholders relative to the company's net income. It is calculated as the Dividends per Share divided by the Earnings per Share (Diluted) during the same time period.
Oxford Bank's Dividend Payout Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* 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 Dividend Payout Ratio of 0.00 as of Dec. 2025. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on Oxford Bank and its competitors. Over the past decade, Oxford Bank's Dividend Payout Ratio has ranged from 0.35 to 0.46. According to the industry distribution chart, Oxford Bank ranks #999999 out of 1168 companies in the Banks industry.
Is Oxford Bank's Dividend Payout Ratio too high?
Oxford Bank's current Dividend Payout Ratio is 0.00. Over the past 10 years, this metric has ranged from a low of 0.35 to a high of 0.46. Based on the distribution chart, Oxford Bank ranks #999999 out of 1168 companies in the Banks industry, which is in the bottom quartile 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 Dividend Payout Ratio compare to PROV and GSBX?
According to the Banks industry distribution chart, Oxford Bank ranks #999999 out of 1168 companies for Dividend Payout Ratio. This places Oxford Bank in the lower half of its industry. The industry median Dividend Payout Ratio is 0.32. Historically, Oxford Bank's own Dividend Payout Ratio has ranged from 0.35 to 0.46 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Dividend Payout Ratio for a Banks company?
The median Dividend Payout Ratio among Banks companies is 0.32, based on 1,168 companies in the industry. Companies in the top quartile (top 25%) have a Dividend Payout Ratio significantly above this median, while those in the bottom quartile fall well below. However, Dividend Payout Ratio 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 Dividend Payout Ratio mean?
A high Dividend Payout Ratio can signal that a stock is expensive relative to its fundamentals. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on Oxford Bank and its competitors. For the Banks industry, the median Dividend Payout Ratio is 0.32 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Oxford Bank's current Dividend Payout Ratio 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 $39.06, compared to a current price of $43.50 — trading 11.4% above its estimated fair value. The current Dividend Payout Ratio is 0.00. 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 Dividend Payout Ratio calculated?
Dividend Payout Ratio is calculated from a company's financial statements. For Oxford Bank (OXBC), the current Dividend Payout Ratio 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 $39.06.
GuruFocus considers Oxford Bank to be Modestly Overvalued.
Key valuation signals for OXBC:
Dividend Payout Ratio: 0.00
GF Value™: $39.06 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.
57GF Score
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