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Oxford BankOXBC +0.11%52 Shiller PE Ratio is 13.14 as of Sep. 15, 2026, which is 37% above its 10-year median of 9.59. GuruFocus rates OXBC with a GF Score™ of 52/100 and a GF Value™ of $39.33 (Modestly Overvalued). The stock has 3 warning signs investors should review. Among 1,235 Banks companies, Oxford Bank ranks better than 53.68% on this metric.
Oxford Bank does not have a history long enough to calculate E10. Therefore GuruFocus does not calculate Shiller PE Ratio for this company.
Shiller PE for Stocks: The True Measure of Stock Valuation
Oxford Bank (OTCPK:OXBC) Shiller PE Ratio Explanation
Compared with the regular PE Ratio, which works poorly for cyclical businesses, the Shiller PE Ratio smoothed out the fluctuations of profit margins during business cycles. Therefore it is more accurate in reflecting the valuation of the company.
If a company has consistent business performance, the Shiller PE Ratio should give similar results to regular PE Ratio.
Compared with the PS Ratio, the Shiller PE Ratio makes the comparison between different industries more meaningful.
Be Aware
Shiller PE Ratio assumes that over the long term, businesses and profitability revert to their means. If a company's business model does not work in the future compared with the past, Shiller PE Ratio and PS Ratio will give false valuations.
Oxford Bank Shiller PE Ratio Related Terms
Oxford Bank Shiller PE Ratio Historical Data
* Premium members only.
The historical data trend for Oxford Bank's Shiller PE 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 NMBF, PTBS, BYLB: Shiller PE Ratio Comparison
For the Banks - Regional subindustry, Oxford Bank's Shiller PE Ratio, along with its competitors' market caps and Shiller PE 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 Shiller PE Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Oxford Bank's Shiller PE Ratio distribution charts can be found below:
* The bar in red indicates where Oxford Bank's Shiller PE Ratio falls into.
For Shiller PE Ratio, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller PE Ratio is also called PE10.
The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.
Oxford Bank does not have a history long enough to calculate E10. Therefore GuruFocus does not calculate Shiller PE Ratio for this company.
Oxford Bank (OXBC) has a Shiller PE Ratio of 13.14 as of Sep. 15, 2026. Shiller price-earnings ratio is the ratio of share price to a company's inflation-adjusted earnings over a 10-year period. View historical data on Oxford Bank and its competitors. This is 37% above median its historical median of 9.59. Over the past decade, Oxford Bank's Shiller PE Ratio has ranged from 8.09 to 13.40. According to the industry distribution chart, Oxford Bank ranks #572 out of 1235 companies in the Banks industry, placing it in the top 46.3%.
Is Oxford Bank's Shiller PE Ratio too high?
Oxford Bank's current Shiller PE Ratio of 13.14 is 37% above median its 10-year median of 9.59. Over the past 10 years, this metric has ranged from a low of 8.09 to a high of 13.40. The Banks industry median Shiller PE Ratio is 13.95. Oxford Bank's value of 13.14 is 5.8% below this industry median. Based on the distribution chart, Oxford Bank ranks #572 out of 1235 companies in the Banks industry, which is above the industry midpoint. Overall, Oxford Bank has a GF Score™ of 52/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Oxford Bank's Shiller PE Ratio compare to NMBF and PTBS?
According to the Banks industry distribution chart, Oxford Bank ranks #572 out of 1235 companies for Shiller PE Ratio. This puts Oxford Bank in the upper half of its industry. The industry median Shiller PE Ratio is 13.95. Oxford Bank's value of 13.14 is 5.8% below this benchmark. Historically, Oxford Bank's own Shiller PE Ratio has ranged from 8.09 to 13.40 over the past decade. While the company's 10-year median is 9.59 vs. the industry median of 13.95, 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 Shiller PE Ratio for a Banks company?
The median Shiller PE Ratio among Banks companies is 13.95, based on 1,235 companies in the industry. Companies in the top quartile (top 25%) have a Shiller PE Ratio significantly above this median, while those in the bottom quartile fall well below. However, Shiller PE Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Oxford Bank's current Shiller PE Ratio of 13.14 is 5.8% 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 Shiller PE Ratio mean?
A high Shiller PE Ratio can signal that a stock is expensive relative to its fundamentals. Shiller price-earnings ratio is the ratio of share price to a company's inflation-adjusted earnings over a 10-year period. View historical data on Oxford Bank and its competitors. For the Banks industry, the median Shiller PE Ratio is 13.95 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Oxford Bank's current Shiller PE Ratio is 13.14, which is 37% above median its own 10-year median of 9.59. 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 $39.33, compared to a current price of $45.15 — trading 14.8% above its estimated fair value. The current Shiller PE Ratio is 13.14, which is 37% above median its 10-year median of 9.59 and 5.8% below the Banks industry median of 13.95. Oxford Bank's overall GF Score™ is 52/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Shiller PE Ratio calculated?
Shiller PE Ratio is calculated from a company's financial statements. For Oxford Bank (OXBC), the current Shiller PE Ratio is 13.14 as of Sep. 15, 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 $45.15 is trading 14.8% above its estimated GF Value™ of $39.33.
GuruFocus considers Oxford Bank to be Modestly Overvalued.
Key valuation signals for OXBC:
Shiller PE Ratio: 13.14 (37% above median its 10-year median of 9.59)
GF Value™: $39.33 vs. price of $45.15 (14.8% above fair value)
Industry Position: 5.8% below the Banks median (#572 of 1235)
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.
52GF Score
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