OXBC (Oxford Bank) ROE % Adjusted to Book Value: 9.20% (As of Dec. 2025)

Oxford Bank OXBC 57 ROE % Adjusted to Book Value is 9.20% 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.

Oxford Bank's ROE % for the quarter that ended in Dec. 2025 was 8.46%. Oxford Bank's PB Ratio for the quarter that ended in Dec. 2025 was 0.92. Oxford Bank's ROE % Adjusted to Book Value for the quarter that ended in Dec. 2025 was 9.20%.

Oxford Bank ROE % Adjusted to Book Value Related Terms

Oxford Bank ROE % Adjusted to Book Value Historical Data

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The historical data trend for Oxford Bank's ROE % Adjusted to Book Value 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.

Oxford Bank ROE % Adjusted to Book Value Chart

Oxford Bank Annual Data

Trend

Dec05

Dec06

Dec07

Dec19

Dec20

Dec21

Dec22

Dec23

Dec24

Dec25

ROE % Adjusted to Book Value

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15.54

12.70

17.10

12.72

11.60

Oxford Bank Quarterly Data
	Mar21	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23	Mar24	Jun24	Sep24	Dec24	Mar25	Jun25	Sep25	Dec25
ROE % Adjusted to Book Value	Get a 7-Day Free Trial															8.08	13.41	13.53	13.38	9.20

OXBC vs PROV, GSBX, UNB: ROE % Adjusted to Book Value Comparison

For the Banks - Regional subindustry, Oxford Bank's ROE % Adjusted to Book Value, along with its competitors' market caps and ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value vs Banks Industry

For the Banks industry and Financial Services sector, Oxford Bank's ROE % Adjusted to Book Value distribution charts can be found below:

* The bar in red indicates where Oxford Bank's ROE % Adjusted to Book Value falls into.

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57GF Score

Oxford Bank Corp OXBC

ROE % Adjusted to Book Value is just one metric. See GF Score™, valuation, warning signs, and more.

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Oxford Bank ROE % Adjusted to Book Value Calculation

Oxford Bank's ROE % Adjusted to Book Value for the fiscal year that ended in Dec. 2025 is calculated as

ROE % Adjusted to Book Value	=	ROE %	/	PB Ratio
	=	10.67%	/	0.92
	=	11.60%

Oxford Bank's ROE % Adjusted to Book Value for the quarter that ended in Dec. 2025 is calculated as

ROE % Adjusted to Book Value	=	ROE %	/	PB Ratio
	=	8.46%	/	0.92
	=	9.20%

Frequently Asked Questions Learn more about ROE % Adjusted to Book Value →

What does a ROE % Adjusted to Book Value of 9.20% mean?

Oxford Bank (OXBC) has a ROE % Adjusted to Book Value of 9.20% as of Dec. 2025. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on Oxford Bank and its competitors.

Is Oxford Bank's ROE % Adjusted to Book Value too high?

Oxford Bank's current ROE % Adjusted to Book Value is 9.20%. 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 ROE % Adjusted to Book Value compare to PROV and GSBX?

Oxford Bank's ROE % Adjusted to Book Value of 9.20% can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.

What is a good ROE % Adjusted to Book Value for a Banks company?

A good ROE % Adjusted to Book Value depends on the Banks industry context. However, ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value mean?

A high ROE % Adjusted to Book Value can signal that a stock is expensive relative to its fundamentals. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on Oxford Bank and its competitors. Oxford Bank's current ROE % Adjusted to Book Value is 9.20%. 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 ROE % Adjusted to Book Value is 9.20%. 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 ROE % Adjusted to Book Value calculated?

ROE % Adjusted to Book Value is calculated from a company's financial statements. For Oxford Bank (OXBC), the current ROE % Adjusted to Book Value is 9.20% 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:

ROE % Adjusted to Book Value: 9.20%
GF Value™: $39.06 vs. price of $43.50 (11.4% above fair value)
GF Score™: 57/100 with 3 warning signs

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 Business Description

Industry Financial Services Banks

Comparable Companies PROV GSBX UNB TYBT KTHN MPCB BSBK BOTJ HARL PBCO SHSE:600036 SGX:D05 MIL:UCG NSE:HDFCBANK XPAR:BNP MIL:ISP TSE:8411 SAU:1120 NSE:ICICIBANK XMAD:CABK

Address 60 South Washington Street, P.O. Box 17, Oxford, MI, USA, 48371

Website https://www.oxfordbank.com

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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ROE % Adjusted to Book Value is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$43.50

Price

$39.06

GF Value

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