Southern Michigan Bancorp Inc (SOMC)

OTHER OTC:SOMC

SOMC

Southern Michigan Bancorp

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Southern Michigan Bancorp (SOMC) Price & Analysis

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SOMC Stock Chart & Stats

$23.75

$0.00(0.00%)

At close: Jan 03 4:00 PM EST

$23.75

$0.00(0.00%)

Day’s Range― - ―

52-Week Range$20.01 - $32.00

Previous CloseN/A

Volume1.90K

Average Volume (3M)464.00

Market Cap

$146.71M

Enterprise Value$190.43M

Total Cash (Recent Filing)$59.18M

Total Debt (Recent Filing)$132.66M

Price to Earnings (P/E)11.9

Beta0.31

Next Earnings

Jul 29, 2026

EPS EstimateN/A

Next Dividend Ex-DateN/A

Dividend Yield2.58%

Share Statistics

EPS (TTM)2.50

Shares Outstanding4,584,752

10 Day Avg. Volume819

30 Day Avg. Volume464

Financial Highlights & Ratios

PEG Ratio0.56

Price to Book (P/B)0.91

Price to Sales (P/S)1.19

P/FCF Ratio5.46

Enterprise Value/Market Cap1.30

Enterprise Value/Revenue2.72

Enterprise Value/Gross Profit3.10

Enterprise Value/Ebitda14.26

Forecast

1Y Price TargetN/A

Price Target UpsideN/A

Rating ConsensusN/A

Number of Analyst Covering0

EPS Forecast (FY)N/A

Revenue Forecast (FY)N/A

Bulls Say, Bears Say

Bulls Say

Material Revenue And Cash-flow Improvement In 2025A sharp revenue increase and marked jump in operating and free cash flow in 2025 indicate a meaningful improvement in underlying earnings quality. Sustained higher cash generation supports lending capacity, reinvestment, loan-loss absorption and discretionary capital allocation over the medium term.

Improving Balance-sheet Leverage And Stronger Equity BaseLower leverage and rising equity provide greater regulatory and funding resilience, improve capacity to support asset growth, and reduce refinancing and liquidity stress. A stronger capital base increases the bank’s ability to expand lending and absorb shocks without immediate dilutive capital actions.

Community Banking Model With Diversified Core IncomeFocus on consumer and small-to-mid-sized business banking fosters sticky deposits, diversified net interest and fee income, and relationship-driven lending. These structural traits support stable funding, predictable loan pipelines and cross-sell opportunities that underpin durable revenue generation.

Bears Say

Margin Compression Versus Prior YearsNet margins falling from earlier double-digit peaks to lower levels reduces profitability per dollar of revenue and pressures return generation. If sustained, compressed margins require higher volume or cost cuts to restore returns, making earnings more sensitive to funding costs and competitive pressure over time.

Historically Volatile Cash ConversionIntermittent free cash flow undermines predictability of internal funding for dividends, loan growth and reserves. Although 2025 improved, prior multi-year volatility signals operational or timing risks in cash conversion that could limit reliable capital deployment across planning horizons.

Lower Capital Efficiency And Subdued ROEROE dropping while the balance sheet expands indicates capital is not being deployed as profitably as before. Persistently lower capital efficiency pressures shareholder returns and necessitates either improving margins, accelerating higher-quality loan growth, or otherwise boosting operational leverage to restore ROE.

SOMC FAQ

What was Southern Michigan Bancorp Inc’s price range in the past 12 months?

Southern Michigan Bancorp Inc lowest stock price was $20.01 and its highest was $32.00 in the past 12 months.

What is Southern Michigan Bancorp Inc’s market cap?

Southern Michigan Bancorp Inc’s market cap is $146.71M.

When is Southern Michigan Bancorp Inc’s upcoming earnings report date?

Southern Michigan Bancorp Inc’s upcoming earnings report date is Jul 29, 2026 which is in 35 days.

How were Southern Michigan Bancorp Inc’s earnings last quarter?

Southern Michigan Bancorp Inc released its earnings results on Apr 29, 2026. The company reported $0.71 earnings per share for the quarter, beating the consensus estimate of N/A by $0.71.

Is Southern Michigan Bancorp Inc overvalued?

According to Wall Street analysts Southern Michigan Bancorp Inc’s price is currently Overvalued. Get more investment ideas with TipRanks Premium

Does Southern Michigan Bancorp Inc pay dividends?

Southern Michigan Bancorp Inc pays a Quarterly dividend of $0.17 which represents an annual dividend yield of 2.58%. See more information on Southern Michigan Bancorp Inc dividends here

What is Southern Michigan Bancorp Inc’s EPS estimate?

Southern Michigan Bancorp Inc’s EPS estimate for its next earnings report is not yet available.

How many shares outstanding does Southern Michigan Bancorp Inc have?

Southern Michigan Bancorp Inc has 4,584,752 shares outstanding.

What happened to Southern Michigan Bancorp Inc’s price movement after its last earnings report?

Southern Michigan Bancorp Inc reported an EPS of $0.71 in its last earnings report, beating expectations of N/A. Following the earnings report the stock price went up 2.461%.

Which hedge fund is a major shareholder of Southern Michigan Bancorp Inc?

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

Southern Michigan Bancorp Stock Smart Score

Neutral

Technicals

Fundamentals

Return on Equity

10.68%

Trailing 12-Months

Asset Growth

7.72%

Trailing 12-Months

Top Smart Score Stocks >

Company Description

Southern Michigan Bancorp Inc

Southern Michigan Bancorp, Inc. serves as the bank holding company for Southern Michigan Bank & Trust, delivering a comprehensive array of commercial banking solutions. These services cater to individuals, businesses, institutions, and governmental agencies, predominantly within southwest Michigan communities. Its diverse deposit offerings encompass interest-bearing and non-interest checking accounts, various savings and money market accounts, time, savings, and demand deposits, as well as Certificates of Deposit (CDs) and Individual Retirement Accounts (IRAs). The company extends various lending solutions. For consumers, these include home mortgages, equity loans, home equity lines of credit (HELOCs), auto and personal loans, and both direct and indirect financing for residential property and consumer goods. Business clients can access lines of credit, term loans, commercial real estate, commercial and industrial loans, agriculture loans, letters of credit, Small Business Administration (SBA) loans, capital access loans, and specific financing for industrial, construction, real estate, and inventory needs. Additionally, the institution provides a suite of trust and investment services, such as investment management, trustee services, IRA rollovers, retirement plan administration, institutional and personal custody, estate settlement, wealth management, and advisory support for estate and wealth transfer planning and charitable giving. Safe deposit boxes and automated teller machines (ATMs) are also available. Furthermore, customers benefit from modern banking conveniences including online and mobile banking, bill payment, e-statements, Health Savings Accounts (HSAs), ACH services, wire transfers, remote deposit capture, insurance, and merchant services. The bank also issues ATM, debit, credit, and gift cards. Established in 1871 and headquartered in Coldwater, Michigan, Southern Michigan Bancorp, Inc. maintained 13 operational branches as of March 23, 2022, spread across Branch, Calhoun, Hillsdale, Kalamazoo, and St. Joseph Counties.