Oxford BankOXBC 61 Return-on-Tangible-Asset is 0.62% as of Mar. 2026, which is 47% below its 10-year median of 1.16. GuruFocus rates OXBC with a GF Score™ of 61/100 and a GF Value™ of $39.12 (Modestly Overvalued). The stock has 3 warning signs investors should review. Among 1,527 Banks companies, Oxford Bank ranks better than 55.47% on this metric.
Return-on-Tangible-Asset is calculated as Net Income divided by its average total tangible assets. Total tangible assets equals to Total Assets minus Intangible Assets. Oxford Bank's annualizedNet Income for the quarter that ended in Mar. 2026 was $6.12 Mil. Oxford Bank's average total tangible assets for the quarter that ended in Mar. 2026 was $988.52 Mil. Therefore, Oxford Bank's annualized Return-on-Tangible-Asset for the quarter that ended in Mar. 2026 was 0.62%.
The historical rank and industry rank for Oxford Bank's Return-on-Tangible-Asset or its related term are showing as below:
OXBC'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: -1.21 Med: 1.16 Max: 1.51
Current: 1.06
During the past 13 years, Oxford Bank's highest Return-on-Tangible-Asset was 1.51%. The lowest was -1.21%. And the median was 1.16%.
OXBC's Return-on-Tangible-Asset is ranked better than 55.47% of 1527
companies
in the Banks industry
Industry Median: 0.99
vs OXBC: 1.06
Oxford Bank (OTCPK:OXBC) Return-on-Tangible-Asset Explanation
Return-on-Tangible-Asset measures the rate of return on the average total tangible assets (total assets minus intangible assets). Tangible means physical in nature. Intangible Assets are assets that are not physical in nature, and typically "derive their value from legal or intellectual rights." Return-on-Tangible-Asset measures a firm's efficiency at generating profits from its tangible assets. It shows how well a company uses what it has to generate earnings. Return-on-Tangible-Assets can vary drastically across industries. Therefore, Return-on-Tangible-Asset should not be used to compare companies in different industries.
Be Aware
Like ROE and ROA, Return-on-Tangible-Asset is calculated with only 12 months data. Fluctuations in the companys earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. Return-on-Tangible-Asset can be affected by events such as stock buyback or issuance, and by a companys tax rate and its interest payment. Return-on-Tangible-Asset may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high Return-on-Tangible-Asset may indicate vulnerability in the durability of the competitive advantage.
Oxford Bank Return-on-Tangible-Asset Related Terms
Oxford Bank Return-on-Tangible-Asset Historical Data
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The historical data trend for Oxford Bank's Return-on-Tangible-Asset 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 RVSB, PROV, GSBX: Return-on-Tangible-Asset Comparison
For the Banks - Regional subindustry, Oxford Bank's Return-on-Tangible-Asset, along with its competitors' market caps and Return-on-Tangible-Asset 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 Return-on-Tangible-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Oxford Bank's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where Oxford Bank's Return-on-Tangible-Asset 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.
In the calculation of annual Return-on-Tangible-Asset, the net income of the last fiscal year and the average total tangible assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is four times the quarterly (Mar. 2026) net income data.
What does a Return-on-Tangible-Asset of 0.62% mean?
Oxford Bank (OXBC) has a Return-on-Tangible-Asset of 0.62% as of Mar. 2026. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Oxford Bank and its competitors. This is 47% below median its historical median of 1.16. According to the industry distribution chart, Oxford Bank ranks #680 out of 1527 companies in the Banks industry, placing it in the top 44.5%.
Is Oxford Bank's Return-on-Tangible-Asset too high?
Oxford Bank's current Return-on-Tangible-Asset of 0.62% is 47% below median its 10-year median of 1.16. The Banks industry median Return-on-Tangible-Asset is 0.99. Oxford Bank's value of 0.62% is 37.4% below this industry median. Based on the distribution chart, Oxford Bank ranks #680 out of 1527 companies in the Banks industry, which is above the industry midpoint. Overall, Oxford Bank has a GF Score™ of 61/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Oxford Bank's Return-on-Tangible-Asset compare to RVSB and PROV?
According to the Banks industry distribution chart, Oxford Bank ranks #680 out of 1527 companies for Return-on-Tangible-Asset. This puts Oxford Bank in the upper half of its industry. The industry median Return-on-Tangible-Asset is 0.99. Oxford Bank's value of 0.62% is 37.4% below this benchmark. While the company's 10-year median is 1.16 vs. the industry median of 0.99, 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 Return-on-Tangible-Asset for a Banks company?
The median Return-on-Tangible-Asset among Banks companies is 0.99, based on 1,527 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Asset significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Oxford Bank's current Return-on-Tangible-Asset of 0.62% is 37.4% 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 Return-on-Tangible-Asset mean?
A high Return-on-Tangible-Asset can signal that a stock is expensive relative to its fundamentals. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Oxford Bank and its competitors. For the Banks industry, the median Return-on-Tangible-Asset is 0.99 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Oxford Bank's current Return-on-Tangible-Asset is 0.62%, which is 47% below median its own 10-year median of 1.16. 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 $39.12, compared to a current price of $44.00 — trading 12.5% above its estimated fair value. The current Return-on-Tangible-Asset is 0.62%, which is 47% below median its 10-year median of 1.16 and 37.4% below the Banks industry median of 0.99. Oxford Bank's overall GF Score™ is 61/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Return-on-Tangible-Asset calculated?
Return-on-Tangible-Asset is calculated from a company's financial statements. For Oxford Bank (OXBC), the current Return-on-Tangible-Asset is 0.62% as of Mar. 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 $44.00 is trading 12.5% above its estimated GF Value™ of $39.12.
GuruFocus considers Oxford Bank to be Modestly Overvalued.
Key valuation signals for OXBC:
Return-on-Tangible-Asset: 0.62% (47% below median its 10-year median of 1.16)
GF Value™: $39.12 vs. price of $44.00 (12.5% above fair value)
Industry Position: 37.4% below the Banks median (#680 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.
61GF Score
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