Risk factor
Critical default risk
Profitability factor
Very low or no dividends
About
Oxford Bank Corporation (OXBC) is a financial institution that offers a diverse range of banking solutions to its clientele throughout Michigan. Its core deposit offerings encompass checking, savings, and individual retirement accounts, alongside certificates of deposit. For lending needs, the bank provides a comprehensive portfolio including home mortgages, home equity loans, auto loans, student loans, term loans, commercial real estate financing, Small Business Administration (SBA) loans, and lines of credit. Beyond traditional banking, Oxford Bank Corporation delivers numerous other services, such as cash management, merchant card processing, remote deposit capture, payroll solutions, overdraft protection, wire transfers, night depository access, notary services, safe deposit boxes, and interactive teller machines. Customers also benefit from modern conveniences like online, telephone, and mobile banking platforms, as well as debit and credit card options and insurance products. The bank serves its communities through physical branches located in Clarkston, Davison, Dryden, Lake Orion, Ortonville, Oxford, and Oakland. Established in 1884, Oxford Bank Corporation maintains its headquarters in Oxford, Michigan.
Company Valuation
From both historical and forecast perspectives, the stock is fairly priced compared to similar stocks. In particular, the stock is reasonably priced on P/E, of fair value