Oxford Bank Past Earnings Performance

Past criteria checks 2/6

Oxford Bank has been growing earnings at an average annual rate of 2.1%, while the Banks industry saw earnings growing at 3.1% annually. Revenues have been growing at an average rate of 13.4% per year. Oxford Bank's return on equity is 9.7%, and it has net margins of 19.7%.

Key information

2.07%

Earnings growth rate

0.22%

EPS growth rate

Banks Industry Growth	11.18%
Revenue growth rate	13.36%
Return on equity	9.74%
Net Margin	19.75%
Last Earnings Update	31 Mar 2026

Recent past performance updates

Recent updates

Revenue & Expenses Breakdown

How Oxford Bank makes and spends money. Based on latest reported earnings, on an LTM basis.

Earnings and Revenue History

OTCPK:OXBC Revenue, expenses and earnings (USD Millions)
Date	Revenue	Earnings	G+A Expenses
31 Mar 26	49	10	28
31 Dec 25	49	11	27
30 Sep 25	46	10	26
30 Jun 25	46	10	25
31 Mar 25	45	10	26
31 Dec 24	45	10	25
30 Sep 24	45	11	25
30 Jun 24	44	11	24
31 Mar 24	44	12	23
31 Dec 23	43	12	22
30 Sep 23	43	13	21
30 Jun 23	41	13	20
31 Mar 23	38	11	19
31 Dec 22	33	9	18
30 Sep 22	29	8	16
30 Jun 22	27	7	15
31 Mar 22	28	9	14
31 Dec 21	29	11	12
30 Sep 21	29	11	12
30 Jun 21	28	10	12
31 Mar 21	25	9	11
31 Dec 20	23	7	11
30 Sep 20	22	6	9
30 Jun 20	22	6	10
31 Mar 20	22	6	10
31 Dec 19	22	5	11
30 Sep 19	22	5	11
30 Jun 19	21	4	11
31 Mar 19	21	4	11
31 Dec 18	20	4	11
30 Sep 18	20	3	10
30 Jun 18	19	2	10
31 Mar 18	19	2	10
31 Dec 17	18	2	10
30 Sep 17	17	3	10
30 Jun 17	16	2	9
31 Mar 17	15	2	8
31 Dec 16	14	2	8
30 Sep 16	13	2	7
30 Jun 16	12	1	6
31 Mar 16	11	1	6
31 Dec 15	11	2	5
30 Sep 15	11	7	6

Quality Earnings: OXBC has high quality earnings.

Growing Profit Margin: OXBC's current net profit margins (19.7%) are lower than last year (21.1%).

Free Cash Flow vs Earnings Analysis

Past Earnings Growth Analysis

Earnings Trend: OXBC's earnings have grown by 2.1% per year over the past 5 years.

Accelerating Growth: OXBC's earnings growth over the past year (1.7%) is below its 5-year average (2.1% per year).

Earnings vs Industry: OXBC earnings growth over the past year (1.7%) did not outperform the Banks industry 23.8%.

Return on Equity

High ROE: OXBC's Return on Equity (9.7%) is considered low.

Return on Assets

Return on Capital Employed

Discover strong past performing companies

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2026/07/20 09:48
End of Day Share Price	2026/07/20 00:00
Earnings	2026/03/31
Annual Earnings	2025/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* Example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.

Analysis Model and Snowflake

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Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

Oxford Bank Corporation is covered by 0 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.