OXBC (Oxford Bank) Total Debt per Share: $16.09 (As of Mar. 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

OXBC Oxford Bank Corp OXBC
61 GF Score
Price $44.99
GF Value $39.34
Valuation Modestly Overvalued
! 3 Warning Signs
View Full Analysis

What is Oxford Bank Total Debt per Share?

Oxford Bank OXBC +1.10% 61 Total Debt per Share is $16.09 as of Mar. 2026. GuruFocus rates OXBC with a GF Score™ of 61/100 and a GF Value™ of $39.34 (Modestly Overvalued). The stock has 3 warning signs investors should review.

$16.09 (As of Mar. 2026)

Total Debt per Share is calculated as total debt divided by Shares Outstanding (EOP). Total debt is calculated as Long-Term Debt & Capital Lease Obligation plus Short-Term Debt & Capital Lease Obligation. Oxford Bank's Total Debt Per Share for the quarter that ended in Mar. 2026 was $16.09.

Oxford Bank Total Debt per Share Historical Data

* Premium members only.

The historical data trend for Oxford Bank's Total Debt per Share 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 Total Debt per Share Chart

Oxford Bank Annual Data
Trend Dec05 Dec06 Dec07 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Total Debt per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 6.89 6.52 7.74 7.62 6.60

Oxford Bank Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Total Debt per Share 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 6.40 6.44 5.59 6.60 16.09
OXBC
61GF Score
Oxford Bank Corp OXBC
Total Debt per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Oxford Bank Total Debt per Share Calculation

Oxford Bank's Total Debt Per Share for the fiscal year that ended in Dec. 2025 is calculated as:

Total Debt Per Share=(Long-Term Debt & Capital Lease Obligation+Short-Term Debt & Capital Lease Obligation)/Shares Outstanding (EOP)
=(16.33+0.00)/2.48
=6.60

Oxford Bank's Total Debt Per Share for the quarter that ended in Mar. 2026 is calculated as:

Total Debt Per Share=(Long-Term Debt & Capital Lease Obligation+Short-Term Debt & Capital Lease Obligation)/Shares Outstanding (EOP)
=(39.84+0.00)/2.48
=16.09

* 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 Total Debt per Share →
What does a Total Debt per Share of $16.09 mean?
Oxford Bank (OXBC) has a Total Debt per Share of $16.09 as of Mar. 2026. Total debt per share equals the per-share value of a company's long-term and short-term debt. View historical data on Oxford Bank and its competitors.
Is Oxford Bank's Total Debt per Share too high?
Oxford Bank's current Total Debt per Share is $16.09. 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 Total Debt per Share compare to BYLB and NMBF?
Oxford Bank's Total Debt per Share of $16.09 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 Total Debt per Share for a Banks company?
A good Total Debt per Share depends on the Banks industry context. However, Total Debt per Share 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 Total Debt per Share mean?
A high Total Debt per Share can signal that a stock is expensive relative to its fundamentals. Total debt per share equals the per-share value of a company's long-term and short-term debt. View historical data on Oxford Bank and its competitors. Oxford Bank's current Total Debt per Share is $16.09. 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 $39.34, compared to a current price of $44.99 — trading 14.4% above its estimated fair value. The current Total Debt per Share is $16.09. 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 Total Debt per Share calculated?
Total Debt per Share is calculated from a company's financial statements. For Oxford Bank (OXBC), the current Total Debt per Share is $16.09 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 $44.99 is trading 14.4% above its estimated GF Value™ of $39.34. GuruFocus considers Oxford Bank to be Modestly Overvalued.

Key valuation signals for OXBC:

  • Total Debt per Share: $16.09
  • GF Value™: $39.34 vs. price of $44.99 (14.4% above fair value)
  • GF Score™: 61/100 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.
61GF Score

Get the complete analysis for OXBC

Total Debt per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$44.99
Price
$39.34
GF Value