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Southern Michigan Bancorp (SOMC) Stock Price & Analysis

SOMC Stock Chart & Stats

$29.55$0.30(1.03%)
At close: 4:00 PM EDT
$29$30$31$323 Aug17 Aug28 Aug17 Sep28 Sep13 Oct26 Oct
Day’s Range
$28.75 - $29.55
52-Week Range
$22.90 - $32.00
Previous Close
$29.25
Volume
300
Average Volume (3M)
1,938
Market Cap
$137.38M
Enterprise Value
$117.76M
Total Cash (Recent Filing)
$81.17M
Total Debt (Recent Filing)
$133.51M
Price to Earnings (P/E)
10.9
Beta
0.35
Next Earnings
Feb 17, 2027 (Est.)
EPS Estimate
N/A
Last Dividend Ex-Date
Oct 05, 2026
Dividend Yield
2.27%

Bulls Say, Bears Say

Bulls Say

Strong Revenue And Earnings Growth

The sharp 2025 revenue acceleration and accompanying earnings increase indicate stronger operating scale and customer activity. If sustained, this growth can expand the community bank’s earnings base and improve its ability to invest in products, staffing, and market coverage.

Improved Cash Generation

Cash generation improved materially in 2025, with free cash flow close to reported earnings, supporting stronger earnings quality. This provides greater internal capacity to fund operations, absorb credit costs, support growth, and maintain shareholder distributions.

Improved Balance-Sheet Support

Lower leverage and expanding equity provide a stronger capital base for a regional bank’s asset growth and risk absorption. This should improve financial flexibility and resilience as Southern Michigan Bank & Trust continues serving local borrowers and depositors.

Bears Say

Margin Compression

The decline in profitability margins suggests that revenue growth is not translating into earnings as efficiently as before. Persistent pressure from funding costs, loan pricing, operating expenses, or credit provisions could limit future earnings growth and returns.

Volatile Financial Performance

Historical swings in revenue and cash flow make performance less predictable than the latest growth rate suggests. Such variability can complicate capital planning, reduce confidence in recurring earnings, and leave results more exposed to local economic and lending conditions.

Moderate Returns On Expanded Equity

Returns have not kept pace with balance-sheet expansion, indicating that additional equity and assets are generating only moderate incremental profitability. Unless margins or asset utilization improve, this may constrain long-term value creation and internal capital efficiency.

Southern Michigan Bancorp News

SOMC FAQ

What was Southern Michigan Bancorp’s price range in the past 12 months?
Southern Michigan Bancorp lowest stock price was $22.90 and its highest was $32.00 in the past 12 months.
What is Southern Michigan Bancorp’s market cap?
Southern Michigan Bancorp’s market cap is $137.38M.
When is Southern Michigan Bancorp’s upcoming earnings report date?
The company’s upcoming earnings report date is not yet available.
How were Southern Michigan Bancorp’s earnings last quarter?
Southern Michigan Bancorp released its earnings results on Oct 28, 2026. The company reported $0.7 earnings per share for the quarter.
Is Southern Michigan Bancorp overvalued?
Not enough analysts have published a price target to calculate whether the price is overvalued.
Does Southern Michigan Bancorp pay dividends?
Southern Michigan Bancorp pays a Quarterly dividend of $0.17 which represents an annual dividend yield of 2.27%. See more information on Southern Michigan Bancorp dividends here
What is Southern Michigan Bancorp’s EPS estimate?
Southern Michigan Bancorp’s EPS estimate for its next earnings report is not yet available.
How many shares outstanding does Southern Michigan Bancorp have?
Southern Michigan Bancorp has 4,648,932 shares outstanding.
What happened to Southern Michigan Bancorp’s price movement after its last earnings report?
Southern Michigan Bancorp reported an EPS of $0.7 in its last earnings report. Following the earnings report the stock price went down -1.967%.
Which hedge fund is a major shareholder of Southern Michigan Bancorp?
Currently, no hedge funds are holding shares in SOMC
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology