Contrasting Oxford Bank (OXBC) and Its Competitors

Oxford Bank (OTCMKTS:OXBC – Get Rating) is one of 77 public companies in the “Commercial banks, not elsewhere classified” industry, but how does it contrast to its rivals? We will compare Oxford Bank to related businesses based on the strength of its risk, valuation, institutional ownership, earnings, profitability, dividends and analyst recommendations.

Profitability

This table compares Oxford Bank and its rivals’ net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Oxford Bank	N/A	N/A	N/A
Oxford Bank Competitors	23.07%	11.85%	0.99%

Insider and Institutional Ownership

4.6% of Oxford Bank shares are held by institutional investors. Comparatively, 23.9% of shares of all “Commercial banks, not elsewhere classified” companies are held by institutional investors. 10.7% of shares of all “Commercial banks, not elsewhere classified” companies are held by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock is poised for long-term growth.

Volatility & Risk

Oxford Bank has a beta of 0.47, meaning that its stock price is 53% less volatile than the S&P 500. Comparatively, Oxford Bank’s rivals have a beta of 21.85, meaning that their average stock price is 2,085% more volatile than the S&P 500.

Earnings and Valuation

This table compares Oxford Bank and its rivals gross revenue, earnings per share and valuation.

	Gross Revenue	Net Income	Price/Earnings Ratio
Oxford Bank	N/A	$10.56 million	9.48
Oxford Bank Competitors	$12.78 billion	$3.00 billion	7.97

Oxford Bank’s rivals have higher revenue and earnings than Oxford Bank. Oxford Bank is trading at a higher price-to-earnings ratio than its rivals, indicating that it is currently more expensive than other companies in its industry.

Analyst Recommendations

This is a breakdown of recent recommendations for Oxford Bank and its rivals, as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Oxford Bank	0	0	0	0	N/A
Oxford Bank Competitors	599	2153	2225	37	2.34

As a group, “Commercial banks, not elsewhere classified” companies have a potential upside of 98.31%. Given Oxford Bank’s rivals higher possible upside, analysts plainly believe Oxford Bank has less favorable growth aspects than its rivals.

Summary

Oxford Bank rivals beat Oxford Bank on 9 of the 10 factors compared.

About Oxford Bank

(Get Rating)

Oxford Bank Corporation provides banking products and services to various customers in Michigan. Its deposit products include savings, checking, and individual retirement accounts, as well as certificates of deposit. The company's loan portfolio comprises home mortgage, home equity, auto, student, term, commercial real estate, and small business administration loans, as well as lines of credit. It also offers cash management, merchant card, remote deposit capture, payroll, overdraft protection, wire transfer, night depository, and notary services, as well as safe deposit box and interactive teller machine services; online, telephone, and mobile banking services; debit and credit cards; and insurance products. The company operates its branches in Clarkston, Davison, Dryden, Lake Orion, Ortonville, Oxford, and Oakland. Oxford Bank Corporation was founded in 1884 and is based in Oxford, Michigan.

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