Added to YB: 2026-02-03
Pitch date: 2026-01-31
OXBC [bullish]
Oxford Bank Corporation
Author Info
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Company Info
Oxford Bank Corporation operates as the holding company for Oxford Bank that provides various banking products and services to various customers in Michigan.
Market Cap
$103.5M
Pitch Price
$42.50
Price Target
66.00 (+55%)
Dividend
N/A
EV/EBITDA
N/A
P/E
9.42
EV/Sales
N/A
Sector
Banks
Category
value
Show full summary:
Oxford Bank Corporation: A Quiet Compounder With M&A Written All Over It
OXBC: Oxford Bank compounded book value from $32M to $109M over decade through disciplined commercial lending, 5.23% NIM, low funding costs. Trades ~1x book despite 14% capital ratio, quality deposit base. Mgmt open to M&A for scale/liquidity. AI investments for operating leverage. Target 1.5x book (~$66) on normalization.
Read full article (6 min)