Oxford BankOXBC +0.23%55 Return-on-Tangible-Equity is 5.92% as of Mar. 2026, which is 52% below its 10-year median of 12.26. GuruFocus rates OXBC with a GF Score™ of 55/100 and a GF Value™ of $38.99 (Modestly Overvalued). The stock has 3 warning signs investors should review. Among 1,523 Banks companies, Oxford Bank ranks worse than 59.23% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. Oxford Bank's annualized net income for the quarter that ended in Mar. 2026 was $6.12 Mil. Oxford Bank's average shareholder tangible equity for the quarter that ended in Mar. 2026 was $103.39 Mil. Therefore, Oxford Bank's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 5.92%.
The historical rank and industry rank for Oxford Bank's Return-on-Tangible-Equity or its related term are showing as below:
OXBC'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: -13.53 Med: 12.26 Max: 18.49
Current: 9.74
During the past 13 years, Oxford Bank's highest Return-on-Tangible-Equity was 18.49%. The lowest was -13.53%. And the median was 12.26%.
OXBC's Return-on-Tangible-Equity is ranked worse than 59.23% of 1523
companies
in the Banks industry
Industry Median: 11.2
vs OXBC: 9.74
Oxford Bank (OTCPK:OXBC) Return-on-Tangible-Equity Explanation
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
Oxford Bank Return-on-Tangible-Equity Related Terms
Oxford Bank Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for Oxford Bank's Return-on-Tangible-Equity 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-Equity Comparison
For the Banks - Regional subindustry, Oxford Bank's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Oxford Bank's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Oxford Bank's Return-on-Tangible-Equity 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-Equity, the net income of the last fiscal year and the average total shareholder tangible equity 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.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 5.92% mean?
Oxford Bank (OXBC) has a Return-on-Tangible-Equity of 5.92% as of Mar. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Oxford Bank and its competitors. This is 52% below median its historical median of 12.26. According to the industry distribution chart, Oxford Bank ranks #902 out of 1523 companies in the Banks industry, placing it in the top 59.2%.
Is Oxford Bank's Return-on-Tangible-Equity too high?
Oxford Bank's current Return-on-Tangible-Equity of 5.92% is 52% below median its 10-year median of 12.26. The Banks industry median Return-on-Tangible-Equity is 11.20. Oxford Bank's value of 5.92% is 47.1% below this industry median. Based on the distribution chart, Oxford Bank ranks #902 out of 1523 companies in the Banks industry, which is below the industry midpoint. Overall, Oxford Bank has a GF Score™ of 55/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Oxford Bank's Return-on-Tangible-Equity compare to RVSB and PROV?
According to the Banks industry distribution chart, Oxford Bank ranks #902 out of 1523 companies for Return-on-Tangible-Equity. This places Oxford Bank in the lower half of its industry. The industry median Return-on-Tangible-Equity is 11.20. Oxford Bank's value of 5.92% is 47.1% below this benchmark. While the company's 10-year median is 12.26 vs. the industry median of 11.20, 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-Equity for a Banks company?
The median Return-on-Tangible-Equity among Banks companies is 11.20, based on 1,523 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Oxford Bank's current Return-on-Tangible-Equity of 5.92% is 47.1% 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-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Oxford Bank and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.20 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Oxford Bank's current Return-on-Tangible-Equity is 5.92%, which is 52% below median its own 10-year median of 12.26. 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 $38.99, compared to a current price of $43.85 — trading 12.5% above its estimated fair value. The current Return-on-Tangible-Equity is 5.92%, which is 52% below median its 10-year median of 12.26 and 47.1% below the Banks industry median of 11.20. Oxford Bank's overall GF Score™ is 55/100 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-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For Oxford Bank (OXBC), the current Return-on-Tangible-Equity is 5.92% 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 $43.85 is trading 12.5% above its estimated GF Value™ of $38.99.
GuruFocus considers Oxford Bank to be Modestly Overvalued.
Key valuation signals for OXBC:
Return-on-Tangible-Equity: 5.92% (52% below median its 10-year median of 12.26)
GF Value™: $38.99 vs. price of $43.85 (12.5% above fair value)
Industry Position: 47.1% below the Banks median (#902 of 1523)
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.
55GF Score
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