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SOMC Stock Chart & Stats
$31.49
$0.02(0.07%)
At close: 4:00 PM EDT
$31.49
$0.02(0.07%)
Day’s Range― - ―
52-Week Range$22.90 - $32.00
Previous CloseN/A
Volume300.00
Average Volume (3M)2.56K
Market Cap
$144.37M
Enterprise Value$201.01
Total Cash (Recent Filing)$81.17M
Total Debt (Recent Filing)$133.51M
Price to Earnings (P/E)11.9
Beta0.34
Next Earnings
Oct 28, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield2.1%
Share Statistics
EPS (TTM)2.65
Shares Outstanding4,584,752
10 Day Avg. Volume501
30 Day Avg. Volume2,557
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 Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
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
Strong Revenue And Earnings GrowthThe 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 GenerationCash 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 SupportLower 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 CompressionThe 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 PerformanceHistorical 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 EquityReturns 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.
SOMC FAQ
What was Southern Michigan Bancorp Inc’s price range in the past 12 months?
Southern Michigan Bancorp Inc lowest stock price was $22.90 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 $144.37M.
When is Southern Michigan Bancorp Inc’s upcoming earnings report date?
Southern Michigan Bancorp Inc’s upcoming earnings report date is Oct 28, 2026 which is in 51 days.
How were Southern Michigan Bancorp Inc’s earnings last quarter?
Southern Michigan Bancorp Inc released its earnings results on Jul 29, 2026. The company reported $0.66 earnings per share for the quarter.
Is Southern Michigan Bancorp Inc overvalued?
According to Wall Street analysts Southern Michigan Bancorp Inc’s price is currently Overvalued.
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 2.1%. 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 $0.66 in its last earnings report. Following the earnings report the stock price went up 3.439%.
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
1
2
3
4
5
6
7
8
9
10
Technicals
SMA
Positive
20 days / 200 days
Momentum
29.20%
12-Months-Change
Fundamentals
Return on Equity
2.10%
Trailing 12-Months
Asset Growth
7.08%
Trailing 12-Months
Learn more about TipRanks Smart Score
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.
Technical Analysis
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Ownership Overview
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Insiders
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Mutual Funds
0.18% Other Institutional Investors
99.82% Public Companies and
Individual Investors