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Oxford Bank Corporation
OXBCFinancial ServicesOTCUS
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Estimates, scoring, valuation assumptions, and peer comparison in one research surface.
Change the assumptions to see how revenue growth, margins, and exit multiples can move fair value.
| Year | Revenue | Margin | Profit | Free cash flow | Present value |
|---|---|---|---|---|---|
| 2026 | $58.49M | 18.7% | $10.94M | $15.68M | N/A |
| 2027 | $64.34M | 18.7% | $12.03M | $17.24M | $15.68M |
| 2028 | $70.77M | 18.7% | $13.23M | $18.97M | $15.68M |
| 2029 | $77.85M | 18.7% | $14.56M | $20.86M | $15.68M |
| 2030 | $85.64M | 18.7% | $16.01M | $22.95M | $15.68M |
| 2031 | $94.20M | 18.7% | $17.62M | $25.25M | $15.68M |
Projects EPS forward, applies an exit P/E, then discounts the result back to today.
| Base EPS | $4.44 | 2025-12-31 |
| EPS growth | +9.6% | Forecast years: 5 |
| Future EPS | $7.022 | EPS × (1 + G)^5 |
| Base P/E | 9.2 | P/E |
| Future price | $64.599 | Future EPS × P/E |
| Fair value today | $40.111 | PV @ 10.0% |
| 30% safety price | $28.077 | Margin of safety |
| 50% safety price | $20.055 | Margin of safety |
| Discount rate \\ Terminal growth | 1.5% | 2.5% | 3.5% |
|---|---|---|---|
| 9.0% | $237.33 | $253.06 | $274.51 |
| 10.0% | $221.45 | $233.04 | $248.21 |
| 11.0% | $208.92 | $217.75 | $228.94 |