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FRBA vs OXLCO

FRBA
First Bank
BULLISH
Price
$17.07
Market Cap
$428.4M
Sector
Financial Services
AI Confidence
75%
OXLCO
Oxford Lane Capital Corp.
BEARISH
Price
$23.80
Market Cap
$440.3M
Sector
Financial Services
AI Confidence
85%

Valuation

P/E Ratio
FRBA
9.7
OXLCO
27.32
Forward P/E
FRBA
8.26
OXLCO
--
P/B Ratio
FRBA
0.95
OXLCO
1.24
P/S Ratio
FRBA
3.17
OXLCO
0.9
EV/EBITDA
FRBA
--
OXLCO
--

Profitability

Gross Margin
FRBA
0.0%
OXLCO
100.0%
Operating Margin
FRBA
45.41%
OXLCO
72.75%
Profit Margin
FRBA
32.27%
OXLCO
0.77%
ROE
FRBA
10.24%
OXLCO
0.22%
ROA
FRBA
1.13%
OXLCO
9.09%

Growth

Revenue Growth
FRBA
0.4%
OXLCO
29.5%
Earnings Growth
FRBA
20.5%
OXLCO
-77.9%

Financial Health

Debt/Equity
FRBA
--
OXLCO
0.38
Current Ratio
FRBA
--
OXLCO
0.61
Quick Ratio
FRBA
--
OXLCO
0.61

Dividends

Dividend Yield
FRBA
1.6%
OXLCO
6.3%
Payout Ratio
FRBA
13.79%
OXLCO
--

AI Verdict

FRBA BULLISH

FRBA presents a compelling deep-value opportunity, trading significantly below its Graham Number ($26.46) and Intrinsic Value ($51.33). While the Piotroski F-Score of 4/9 indicates stable but not strong financial health, the company maintains a healthy ROE of 10.24% and a Price-to-Book ratio of 0.95, suggesting the stock is undervalued relative to its assets. Strong earnings growth (20.5% YoY) offsets stagnant revenue growth, though bearish insider sentiment and a weak technical trend suggest a lack of immediate catalyst.

Strengths
Trading below book value (P/B 0.95)
Strong earnings growth (20.5% YoY)
Significant discount to Graham Number and Intrinsic Value
Risks
Stagnant year-over-year revenue growth (0.40%)
Bearish insider activity with recent director sales
Weak technical trend score (10/100)
OXLCO BEARISH

OXLCO presents a concerning profile characterized by a Piotroski F-Score of 4/9, indicating only marginal stability. While revenue growth remains strong at 29.5%, it is completely offset by a catastrophic collapse in earnings (-77.9% YoY), suggesting severe margin compression or rising costs of capital. The stock is trading at a significant premium to both its Graham Number ($19.39) and its growth-based Intrinsic Value ($6.10), while technical trends are heavily bearish (10/100).

Strengths
Strong year-over-year revenue growth of 29.50%
Low Debt/Equity ratio of 0.38 compared to sector average
Positive long-term price performance (5Y Change +30.4%)
Risks
Severe earnings collapse (-77.9% YoY and -68.2% Q/Q)
Significant overvaluation relative to intrinsic value ($23.80 vs $6.10)
Poor liquidity indicated by a Current Ratio of 0.61

Compare Another Pair

FRBA vs OXLCO: Head-to-Head Comparison

This page compares First Bank (FRBA) and Oxford Lane Capital Corp. (OXLCO) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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