Oxford Bank Corporation
Oxford Bank Corporation operates as the holding company for Oxford Bank that provides various banking products and services to various customers in Michigan. It offers checking, savings, money market, and individual retirement accounts, as well as certificates of deposit. The company's loan portfolio comprises home mortgages, home equity lines of credit, auto loans, student loans, term loans, com… Read more
Oxford Bank Corporation (OXBC) - Net Assets
Latest net assets as of December 2025: $111.43 Million USD
Based on the latest financial reports, Oxford Bank Corporation (OXBC) has net assets worth $111.43 Million USD as of December 2025.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($1.09 Billion) and total liabilities ($977.54 Million). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $111.43 Million |
| % of Total Assets | 10.23% |
| Annual Growth Rate | 4.61% |
| 5-Year Change | 77.65% |
| 10-Year Change | 297.91% |
| Growth Volatility | 135.66 |
Oxford Bank Corporation - Net Assets Trend (2002–2025)
This chart illustrates how Oxford Bank Corporation's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for Oxford Bank Corporation (2002–2025)
The table below shows the annual net assets of Oxford Bank Corporation from 2002 to 2025.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | $111.43 Million | +13.74% |
| 2024-12-31 | $97.97 Million | +15.82% |
| 2023-12-31 | $84.59 Million | +21.35% |
| 2022-12-31 | $69.70 Million | +11.12% |
| 2021-12-31 | $62.73 Million | +14.05% |
| 2020-12-31 | $55.00 Million | +18.05% |
| 2019-12-31 | $46.59 Million | +15.57% |
| 2018-12-31 | $40.31 Million | +11.45% |
| 2017-12-31 | $36.17 Million | +29.17% |
| 2016-12-31 | $28.00 Million | -12.33% |
| 2015-12-31 | $31.94 Million | -87.77% |
| 2014-12-31 | $261.28 Million | +1.06% |
| 2013-12-31 | $258.53 Million | +585.15% |
| 2007-12-31 | $37.73 Million | -24.35% |
| 2006-12-31 | $49.88 Million | +4.78% |
| 2005-12-31 | $47.61 Million | +5.40% |
| 2004-12-31 | $45.17 Million | +6.80% |
| 2003-12-31 | $42.29 Million | +7.07% |
| 2002-12-31 | $39.50 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to Oxford Bank Corporation's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 307.5% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | $80.18 Million | 73.08% |
| Common Stock | $30.84 Million | 28.11% |
| Other Comprehensive Income | $-1.31 Million | -1.19% |
| Total Equity | $109.71 Million | 100.00% |
Oxford Bank Corporation Competitors by Market Cap
The table below lists competitors of Oxford Bank Corporation ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Biomea Fusion Inc
NASDAQ:BMEA
|
$80.34 Million |
|
Horizon Minerals Ltd
AU:HRZ
|
$80.34 Million |
|
Bursa De Valori Bucuresti SA
RO:BVB
|
$80.39 Million |
|
Visiomed Group SA
PINK:VMDGF
|
$80.39 Million |
|
Genelux Corporation Common Stock
NASDAQ:GNLX
|
$80.28 Million |
|
Licogi 16 JSC
VN:LCG
|
$80.27 Million |
|
Synergy Innovation Co. Ltd
KQ:048870
|
$80.27 Million |
|
Jinzhou Port Co Ltd A
SHG:600190
|
$80.24 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Oxford Bank Corporation's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 96,081,000 to 109,711,000, a change of 13,630,000 (14.2%).
- Net income of 10,964,000 contributed positively to equity growth.
- Other comprehensive income increased equity by 2,258,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $10.96 Million | +9.99% |
| Other Comprehensive Income | $2.26 Million | +2.06% |
| Other Changes | $408.00K | +0.37% |
| Total Change | $- | 14.19% |
Book Value vs Market Value Analysis
This analysis compares Oxford Bank Corporation's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 0.77x
- The company is trading below its book value, potentially indicating the market believes the assets are overvalued on the balance sheet or anticipates future losses.
- The price-to-book ratio has decreased from 1.11x to 0.77x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2002-12-31 | $30.86 | $34.30 | x |
| 2003-12-31 | $33.04 | $34.30 | x |
| 2004-12-31 | $35.29 | $34.30 | x |
| 2005-12-31 | $37.20 | $34.30 | x |
| 2006-12-31 | $35.31 | $34.30 | x |
| 2007-12-31 | $29.48 | $34.30 | x |
| 2012-12-31 | $11.95 | $34.30 | x |
| 2013-12-31 | $13.22 | $34.30 | x |
| 2014-12-31 | $20.36 | $34.30 | x |
| 2015-12-31 | $14.77 | $34.30 | x |
| 2016-12-31 | $15.04 | $34.30 | x |
| 2017-12-31 | $15.80 | $34.30 | x |
| 2018-12-31 | $17.61 | $34.30 | x |
| 2019-12-31 | $20.37 | $34.30 | x |
| 2020-12-31 | $23.77 | $34.30 | x |
| 2021-12-31 | $27.52 | $34.30 | x |
| 2022-12-31 | $29.05 | $34.30 | x |
| 2023-12-31 | $34.35 | $34.30 | x |
| 2024-12-31 | $39.05 | $34.30 | x |
| 2025-12-31 | $44.38 | $34.30 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Oxford Bank Corporation utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 9.99%
- The company has moderate efficiency in generating returns from equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 18.75%
- • Asset Turnover: 0.05x
- • Equity Multiplier: 9.93x
- Recent ROE (9.99%) is below the historical average (10.45%), suggesting potential challenges in capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2002 | 12.22% | 17.21% | 0.06x | 11.39x | $878.20K |
| 2003 | 12.12% | 18.16% | 0.06x | 11.26x | $896.80K |
| 2004 | 11.55% | 18.57% | 0.05x | 11.35x | $701.20K |
| 2005 | 9.28% | 13.97% | 0.06x | 11.26x | $-340.70K |
| 2006 | 6.44% | 9.30% | 0.07x | 10.33x | $-1.78 Million |
| 2007 | -15.71% | -18.07% | 0.07x | 12.26x | $-9.70 Million |
| 2012 | 20.34% | 24.64% | 0.04x | 18.79x | $1.43 Million |
| 2013 | 9.26% | 12.79% | 0.04x | 17.05x | $-113.50K |
| 2014 | 30.00% | 68.48% | 0.04x | 10.85x | $4.83 Million |
| 2015 | 4.76% | 12.88% | 0.04x | 9.97x | $-1.67 Million |
| 2016 | 5.48% | 12.89% | 0.04x | 10.06x | $-1.56 Million |
| 2017 | 4.52% | 8.88% | 0.05x | 10.68x | $-1.98 Million |
| 2018 | 9.91% | 18.15% | 0.05x | 11.35x | $-34.30K |
| 2019 | 11.33% | 21.16% | 0.05x | 10.85x | $618.00K |
| 2020 | 12.73% | 26.65% | 0.04x | 12.71x | $1.50 Million |
| 2021 | 17.35% | 35.07% | 0.04x | 11.97x | $4.61 Million |
| 2022 | 12.70% | 24.95% | 0.04x | 11.41x | $1.87 Million |
| 2023 | 14.38% | 24.05% | 0.06x | 9.74x | $3.67 Million |
| 2024 | 10.36% | 17.20% | 0.07x | 8.44x | $349.90K |
| 2025 | 9.99% | 18.75% | 0.05x | 9.93x | $-7.10K |
Industry Comparison
This section compares Oxford Bank Corporation's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $25,670,820,700
- Average return on equity (ROE) among peers: 9.44%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Oxford Bank Corporation (OXBC) | $111.43 Million | 12.22% | 8.77x | $80.28 Million |
| Ameris Bancorp (ABCB) | $120.94 Million | 10.83% | 9.48x | $4.91 Billion |
| ACNB Corporation (ACNB) | $2.75 Billion | 1.01% | 0.01x | $462.57 Million |
| Addiko Bank AG (ADBKF) | $839.50 Million | 5.41% | 6.63x | $210.07 Million |
| Affinity Bancshares Inc (AFBI) | $120.97 Million | 6.26% | 5.51x | $79.94 Million |
| Absa Group Limited (AGRPF) | $19.52 Billion | 23.08% | 14.72x | $6.72 Billion |
| AIB Group plc (AIBGY) | $14.46 Billion | -16.17% | 8.45x | $21.72 Billion |
| Akbank Turk Anonim Sirketi (AKBTY) | $211.22 Billion | 31.48% | 8.02x | $8.60 Billion |
| Alpha Bank SA (ALBKY) | $7.32 Billion | 8.44% | 8.89x | $1.12 Billion |
| Community Capital Bancshares Inc (ALBY) | $9.19 Million | 7.09% | 8.66x | $19.76 Million |
| Alpine Banks of Colorado (ALPIB) | $342.89 Million | 16.92% | 10.27x | $248.47 Million |