Oxford BankOXBC 56 Pretax Margin % is 21.03% as of Dec. 2025, which is 30% below its 10-year median of 29.95. GuruFocus rates OXBC with a GF Score™ of 56/100 and a GF Value™ of $39.06 (Modestly Overvalued). The stock has 3 warning signs investors should review. Among 1,527 Banks companies, Oxford Bank ranks worse than 66.14% on this metric.
Pre-Tax margin is calculated as Pre-Tax Income divided by its Revenue. Oxford Bank's Pre-Tax Income for the
three
months ended in Dec. 2025 was $2.92 Mil. Oxford Bank's Revenue for the
three
months ended in Dec. 2025 was $13.87 Mil. Therefore, Oxford Bank's pretax margin for the quarter that ended in Dec. 2025 was 21.03%.
The historical rank and industry rank for Oxford Bank's Pretax Margin % or its related term are showing as below:
OXBC'
s Pretax Margin % Range Over the Past 10 Years
Min: -51.66 Med: 29.95 Max: 46.48
Current: 28.84
OXBC's Pretax Margin % is ranked worse than 66.14% of 1527
companies
in the Banks industry
Industry Median: 34.88
vs OXBC: 28.84
Oxford Bank (OTCPK:OXBC) Pretax Margin % Explanation
The pretax margin, as know as pretax profit margin, is widely used to measure the operating efficiency of a company before deducting taxes.
The pretax margin is sometimes preferred over the net margin as tax expenditures can make profitability comparisons between companies misleading.
It is a useful tool to compare companies operating in the same sector and less effective when comparing companies from other sectors as each industry generally has different operating expenses and sales patterns.
The long term trend of the pretax margin is a good indicator of the competitiveness and health of the business.
Oxford Bank Pretax Margin % Related Terms
Oxford Bank Pretax Margin % Historical Data
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The historical data trend for Oxford Bank's Pretax 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.
OXBC vs PROV, GSBX, UNB: Pretax Margin % Comparison
For the Banks - Regional subindustry, Oxford Bank's Pretax Margin %, along with its competitors' market caps and Pretax 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 Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Oxford Bank's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Oxford Bank's Pretax 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 Pretax Margin % of 21.03% as of Dec. 2025. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Oxford Bank and its competitors. This is 30% below median its historical median of 29.95. According to the industry distribution chart, Oxford Bank ranks #1010 out of 1527 companies in the Banks industry, placing it in the top 66.1%.
Is Oxford Bank's Pretax Margin % too high?
Oxford Bank's current Pretax Margin % of 21.03% is 30% below median its 10-year median of 29.95. The Banks industry median Pretax Margin % is 34.88. Oxford Bank's value of 21.03% is 39.7% below this industry median. Based on the distribution chart, Oxford Bank ranks #1010 out of 1527 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 Pretax Margin % compare to PROV and GSBX?
According to the Banks industry distribution chart, Oxford Bank ranks #1010 out of 1527 companies for Pretax Margin %. This places Oxford Bank in the lower half of its industry. The industry median Pretax Margin % is 34.88. Oxford Bank's value of 21.03% is 39.7% below this benchmark. While the company's 10-year median is 29.95 vs. the industry median of 34.88, 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 Pretax Margin % for a Banks company?
The median Pretax Margin % among Banks companies is 34.88, based on 1,527 companies in the industry. Companies in the top quartile (top 25%) have a Pretax Margin % significantly above this median, while those in the bottom quartile fall well below. However, Pretax Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Oxford Bank's current Pretax Margin % of 21.03% is 39.7% 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 Pretax Margin % mean?
A high Pretax Margin % can signal that a stock is expensive relative to its fundamentals. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Oxford Bank and its competitors. For the Banks industry, the median Pretax Margin % is 34.88 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Oxford Bank's current Pretax Margin % is 21.03%, which is 30% below median its own 10-year median of 29.95. 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 Pretax Margin % is 21.03%, which is 30% below median its 10-year median of 29.95 and 39.7% below the Banks industry median of 34.88. 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 Pretax Margin % calculated?
Pretax Margin % is calculated from a company's financial statements. For Oxford Bank (OXBC), the current Pretax Margin % is 21.03% 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:
Pretax Margin %: 21.03% (30% below median its 10-year median of 29.95)
GF Value™: $39.06 vs. price of $43.50 (11.4% above fair value)
Industry Position: 39.7% below the Banks median (#1010 of 1527)
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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