OXBC (Oxford Bank) Tax Expense: $2.62 Mil (TTM As of Dec. 2025)


OXBC Oxford Bank Corp OXBC
57 GF Score
Price $43.50
GF Value $39.06
Valuation Modestly Overvalued
! 3 Warning Signs
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What is Oxford Bank Tax Expense?

Oxford Bank OXBC 57 Tax Expense is $2.62 Mil 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 tax expense for the months ended in Dec. 2025 was $0.36 Mil. Its tax expense for the trailing twelve months (TTM) ended in Dec. 2025 was $2.62 Mil.


Oxford Bank  (OTCPK:OXBC) Tax Expense Explanation

In the long run, income before tax and taxable income will likely be more similar than they are in any given period. If the one is less in earlier years, then it will be greater in later years. Deferred taxes will reverse themselves in the long run and in total will zero out, unless there is something like a change in tax rates in the intervening period. A deferred tax payable results from a tax break in the early years and will reverse itself in later years; a deferred tax receivable results from more taxes being paid in early years than the tax expense reported to shareholders and will again reverse itself in later years. The deferred tax amount is computed by estimating the amount and the timing of the reversal and multiplying that by the appropriate tax rates.


Oxford Bank Tax Expense Related Terms


Oxford Bank Tax Expense Historical Data

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The historical data trend for Oxford Bank's Tax Expense 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 Tax Expense Chart

Oxford Bank Annual Data
Trend Dec05 Dec06 Dec07 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Tax Expense
Get a 7-Day Free Trial Premium Member Only Premium Member Only 2.93 2.12 2.85 2.77 2.54

Oxford Bank Quarterly Data
Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25
Tax Expense Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.55 0.74 0.73 0.79 0.36
OXBC
57GF Score
Oxford Bank Corp OXBC
Tax Expense is just one metric. See GF Score™, valuation, warning signs, and more.
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Oxford Bank Tax Expense Calculation

Tax paid by the company. It is computed in by multiplying the income before tax number, as reported to shareholders, by the appropriate tax rate. In reality, the computation is typically considerably more complex due to things such as expenses considered not deductible by taxing authorities ("add backs"), the range of tax rates applicable to various levels of income, different tax rates in different jurisdictions, multiple layers of tax on income, and other issues.

Tax Expense for the trailing twelve months (TTM) ended in Dec. 2025 adds up the quarterly data reported by the company within the most recent 12 months, which was $2.62 Mil.

* 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.

Frequently Asked Questions Learn more about Tax Expense →
What does a Tax Expense of $2.62 Mil mean?
Oxford Bank (OXBC) has a Tax Expense of $2.62 Mil as of Dec. 2025. Tax expense is the amount of tax the company pays in an accounting period. View historical data on Oxford Bank and its competitors.
Is Oxford Bank's Tax Expense too high?
Oxford Bank's current Tax Expense is $2.62 Mil. 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 Tax Expense compare to PROV and GSBX?
Oxford Bank's Tax Expense of $2.62 Mil 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 Tax Expense for a Banks company?
A good Tax Expense depends on the Banks industry context. However, Tax Expense 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 Tax Expense mean?
A high Tax Expense can signal that a stock is expensive relative to its fundamentals. Tax expense is the amount of tax the company pays in an accounting period. View historical data on Oxford Bank and its competitors. Oxford Bank's current Tax Expense is $2.62 Mil. 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 Tax Expense is $2.62 Mil. 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 Tax Expense calculated?
Tax Expense is calculated from a company's financial statements. For Oxford Bank (OXBC), the current Tax Expense is $2.62 Mil 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:

  • Tax Expense: $2.62 Mil
  • 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

Address 60 South Washington Street, P.O. Box 17, Oxford, MI, USA, 48371
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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Tax Expense is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$43.50
Price
$39.06
GF Value