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Complete financial analysis of Oxford Bank Corporation (OXBC) income statement, including revenue, profit margins, EPS and key performance metrics. Get detailed insights into the financial performance of Oxford Bank Corporation, a leading company in the Banks – Regional industry within the Financial Services sector.
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Oxford Bank Corporation (OXBC)
About Oxford Bank Corporation
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.
| Metric | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2007 | 2006 | 2005 | 2004 | 2003 | 2002 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 42.73M | 35.79M | 31.03M | 26.27M | 25.07M | 22.02M | 18.43M | 14.63M | 11.80M | 10.59M | 11.07M | 11.41M | 18.08M | 20.01M | 20.87M | 19.85M | 20.06M | 18.68M |
| Cost of Revenue | -7.41M | 433.00K | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Gross Profit | 50.14M | 35.36M | 31.03M | 26.27M | 25.07M | 22.02M | 18.43M | 14.63M | 11.80M | 10.59M | 11.07M | 11.41M | 18.08M | 20.01M | 20.87M | 19.85M | 20.06M | 18.68M |
| Gross Profit Ratio | 117.33% | 98.79% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% |
| Research & Development | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| General & Administrative | 3.78M | 3.50M | 2.35M | 2.07M | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 7.41M | 7.75M | 7.48M | 7.19M | 6.67M | 6.17M |
| Selling & Marketing | 17.98M | 14.67M | 10.00M | 9.09M | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| SG&A | 21.76M | 18.17M | 12.36M | 11.15M | 10.68M | 10.96M | 9.84M | 7.73M | 5.45M | 5.65M | 5.30M | 5.04M | 7.41M | 7.75M | 7.48M | 7.19M | 6.67M | 6.17M |
| Other Expenses | 0.00 | -7.59M | -5.35M | -4.89M | -4.70M | -4.17M | -3.50M | -3.25M | -3.49M | 0.00 | 0.00 | 0.00 | -34.84M | -23.19M | -22.15M | -19.87M | -19.38M | -17.88M |
| Operating Expenses | 21.76M | 7.59M | 5.35M | 4.89M | 4.70M | 4.17M | 3.50M | 3.25M | 3.49M | 9.68M | 10.40M | 9.22M | -27.42M | -15.44M | -14.67M | -12.67M | -12.71M | -11.71M |
| Cost & Expenses | 21.76M | 24.33M | 17.22M | 17.38M | 18.37M | 16.99M | 14.09M | 11.57M | 9.58M | 9.68M | 10.40M | -9.22M | -27.42M | -15.44M | -14.67M | -12.67M | -12.71M | -11.71M |
| Interest Income | 0.00 | 31.01M | 26.36M | 23.17M | 21.10M | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 29.40M | 31.24M | 28.22M | 24.70M | 23.28M | 24.12M |
| Interest Expense | 0.00 | 1.92M | 1.31M | 1.96M | 2.73M | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 14.72M | 14.51M | 10.77M | 8.25M | 8.16M | 9.37M |
| Depreciation & Amortization | 167.90K | -11.03M | -13.82M | 681.00K | 758.00K | -5.33M | -4.63M | -3.54M | -3.20M | -2.59M | -1.15M | 0.00 | 653.00K | 609.00K | 563.00K | 431.00K | 1.29M | 859.00K |
| EBITDA | 15.42M | 0.00 | -14.19M | 0.00 | 0.00 | -298.00K | -212.00K | -743.00K | -1.01M | 911.00K | 1.01M | 3.43M | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| EBITDA Ratio | 36.08% | -0.26% | -44.52% | -33.83% | -0.88% | -1.35% | -1.15% | -5.08% | -8.56% | 103.94% | 9.16% | 30.08% | -48.05% | 25.86% | 32.42% | 38.31% | 43.11% | 41.90% |
| Operating Income | 20.98M | 11.03M | 13.82M | 8.89M | 6.92M | 5.33M | 4.63M | 3.54M | 3.20M | 2.59M | 1.15M | 3.43M | -9.34M | 4.57M | 6.20M | 7.17M | 7.36M | 6.97M |
| Operating Income Ratio | 49.09% | 30.82% | 44.52% | 33.83% | 27.61% | 24.22% | 25.14% | 24.17% | 27.12% | 24.41% | 10.38% | 30.08% | -51.66% | 22.82% | 29.72% | 36.14% | 36.67% | 37.30% |
| Total Other Income/Expenses | -5.56M | -4.09M | 12.50M | 21.28M | -4.70M | -4.17M | 78.00K | -259.00K | -34.00K | -4.03M | -5.10M | 0.00 | -15.37M | -1.00K | 0.00 | 0.00 | 0.00 | 0.00 |
| Income Before Tax | 15.42M | 11.03M | 13.82M | 8.89M | 6.70M | 5.04M | 4.42M | 2.79M | 2.19M | 911.00K | 669.00K | 2.19M | -9.34M | 4.57M | 6.20M | 7.17M | 7.36M | 6.97M |
| Income Before Tax Ratio | 36.08% | 30.82% | 44.52% | 33.83% | 26.73% | 22.87% | 23.99% | 19.09% | 18.57% | 8.60% | 6.04% | 19.20% | -51.66% | 22.82% | 29.72% | 36.14% | 36.67% | 37.30% |
| Income Tax Expense | 2.85M | 2.12M | 2.93M | 1.89M | 1.42M | 1.04M | 2.79M | 907.00K | 671.00K | 6.34M | 747.00K | 621.00K | -3.41M | 1.35M | 1.78M | 1.95M | 2.23M | 2.14M |
| Net Income | 12.06M | 8.82M | 10.88M | 7.00M | 5.28M | 4.00M | 1.64M | 1.89M | 1.52M | 7.25M | 1.42M | 2.81M | -5.93M | 3.21M | 4.42M | 5.22M | 5.13M | 4.83M |
| Net Income Ratio | 28.22% | 24.64% | 35.07% | 26.65% | 21.05% | 18.15% | 8.88% | 12.89% | 12.88% | 68.48% | 12.79% | 24.64% | -32.78% | 16.05% | 21.18% | 26.29% | 25.55% | 25.84% |
| EPS | 4.94 | 3.69 | 4.77 | 3.03 | 2.31 | 1.75 | 0.71 | 0.82 | 0.70 | 6.11 | 1.22 | 2.43 | -4.87 | 2.51 | 3.45 | 4.08 | 4.00 | 3.77 |
| EPS Diluted | 4.94 | 3.69 | 4.77 | 3.03 | 2.31 | 1.75 | 0.71 | 0.82 | 0.70 | 6.11 | 1.22 | 2.43 | -4.63 | 2.51 | 3.45 | 4.08 | 4.00 | 3.77 |
| Weighted Avg Shares Out | 2.44M | 2.39M | 2.28M | 2.31M | 2.29M | 2.29M | 2.29M | 2.29M | 2.16M | 1.19M | 1.16M | 1.16M | 1.22M | 8.06M | 1.28M | 1.28M | 1.28M | 1.28M |
| Weighted Avg Shares Out (Dil) | 2.44M | 2.39M | 2.28M | 2.31M | 2.29M | 2.29M | 2.29M | 2.29M | 2.16M | 1.19M | 1.16M | 1.16M | 1.28M | 8.06M | 1.28M | 1.28M | 1.28M | 1.28M |
OXFORD BANK CORPORATION ANNOUNCES THIRD QUARTER 2024 AND NINE-MONTH OPERATING RESULTS
OXFORD, Mich. , Nov. 5, 2024 /PRNewswire/ -- Oxford Bank Corporation ("the Company") (OTC Bulletin Board: OXBC), the holding company for Oxford Bank ("the Bank"), today announced operating results for the third quarter ended September 30, 2024.
OXFORD BANK CORPORATION ANNOUNCES CHIEF FINANCIAL OFFICER TRANSITION
OXFORD, Mich. , Oct. 23, 2024 /PRNewswire/ -- Oxford Bank Corporation ("the Company") (OTC Bulletin Board: OXBC), the holding company for Oxford Bank ("the Bank"), today announced that Executive Vice President and Chief Financial Officer, Jesse A.
Oxford Bank Marks 140 Years of Community Banking
Michigan-based bank has thrived since 1884 – through two world wars, the Great Depression, and historic bank failures – by focusing on "Delivering Value for Life" to its customers OXFORD, Mich. , June 4, 2024 /PRNewswire/ -- Founded in 1884, Oxford...
OXFORD BANK CORPORATION ANNOUNCES FIRST QUARTER 2024 OPERATING RESULTS
OXFORD, Mich. , May 7, 2024 /PRNewswire/ -- Oxford Bank Corporation ("the Company") (OTC Bulletin Board: OXBC), the holding company for Oxford Bank ("the Bank"), today announced operating results for the first quarter ended March 31, 2024.
OXFORD BANK CORPORATION ANNOUNCES FOURTH QUARTER AND FULL YEAR 2023 OPERATING RESULTS
OXFORD, Mich. , Feb. 6, 2024 /PRNewswire/ -- Oxford Bank Corporation ("the Company") (OTC Bulletin Board: OXBC), the holding company for Oxford Bank ("the Bank"), today announced operating results for the fourth quarter ended December 31, 2023.
OXFORD BANK CORPORATION ANNOUNCES SECOND QUARTER AND SIX MONTH 2023 OPERATING RESULTS
OXFORD, Mich. , July 26, 2023 /PRNewswire/ -- Oxford Bank Corporation ("the Company") (OTC Bulletin Board: OXBC), the holding company for Oxford Bank ("the Bank"), today announced operating results for the second quarter ended June 30, 2023.
Source: https://incomestatements.info
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