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Southern Michigan Bancorp Inc (SOMC)
OTHER OTC:SOMC
US Market
SOMC
Southern Michigan Bancorp
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Southern Michigan Bancorp (SOMC) Ratios

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Southern Michigan Bancorp Ratios

SOMC's free cash flow for Q2 2026 was $0.62. For the 2026 fiscal year, SOMC's free cash flow was decreased by $ and operating cash flow was $0.16. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
 103.14 79.41 0.12 0.13 0.15
Quick Ratio
 103.14 79.41 0.12 0.13 0.15
Cash Ratio
 103.14 78.78 0.12 0.13 0.14
Solvency Ratio
 <0.01 <0.01 <0.01 >-0.01 0.01
Operating Cash Flow Ratio
 0.00 15.91 0.01 0.03 0.02
Short-Term Operating Cash Flow Coverage
 0.00 15.91 0.00 0.27 0.42
Net Current Asset Value
$ -1.48B$ -1.46B$ -1.32B$ -1.25B$ -1.11B
Leverage Ratios
Debt-to-Assets Ratio
 0.08 0.08 0.08 0.10 0.07
Debt-to-Equity Ratio
 1.06 1.10 1.10 1.50 1.04
Debt-to-Capital Ratio
 0.51 0.52 0.52 0.60 0.51
Long-Term Debt-to-Capital Ratio
 0.51 0.52 0.52 0.46 0.39
Financial Leverage Ratio
 13.33 13.92 13.96 14.48 14.84
Debt Service Coverage Ratio
 0.33 0.33 0.00 -0.05 0.47
Interest Coverage Ratio
 0.40 0.40 0.00 0.00 0.00
Debt to Market Cap
 0.94 1.21 1.34 1.99 0.99
Interest Debt Per Share
 36.37 36.88 25.86 32.25 19.70
Net Debt to EBITDA
 3.60 1.71 3.46 -93.93 0.78
Profitability Margins
Gross Profit Margin
58.54%58.02%100.00%156.59%100.00%
EBIT Margin
15.10%15.45%25.00%28.51%31.20%
EBITDA Margin
15.10%15.45%28.86%-1.67%33.92%
Operating Profit Margin
15.10%15.45%33.64%36.30%37.18%
Pretax Profit Margin
15.10%15.45%25.00%28.51%31.20%
Net Profit Margin
12.82%13.11%21.42%23.29%26.19%
Continuous Operations Profit Margin
12.82%13.11%21.42%23.29%26.19%
Net Income Per EBT
84.88%84.88%85.69%81.70%83.94%
EBT Per EBIT
100.00%100.00%74.29%78.55%83.92%
Return on Assets (ROA)
0.73%0.72%0.70%0.77%1.06%
Return on Equity (ROE)
10.09%10.06%9.70%11.15%15.66%
Return on Capital Employed (ROCE)
0.86%0.85%1.81%1.98%2.63%
Return on Invested Capital (ROIC)
0.73%0.72%1.55%1.51%2.11%
Return on Tangible Assets
0.74%0.73%0.70%0.78%1.07%
Earnings Yield
8.37%11.03%11.84%15.09%15.47%
Efficiency Ratios
Receivables Turnover
 0.00 0.00 0.00 0.00 0.00
Payables Turnover
 0.00 0.00 0.00 0.00 0.00
Inventory Turnover
 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
 3.74 3.70 1.70 1.79 2.60
Asset Turnover
 0.06 0.06 0.03 0.03 0.04
Working Capital Turnover Ratio
 1.15 -0.45 -0.10 -0.10 -0.09
Cash Conversion Cycle
 0.00 0.00 0.00 0.00 0.00
Days of Sales Outstanding
 0.00 0.00 0.00 0.00 0.00
Days of Inventory Outstanding
 0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
 0.00 0.00 0.00 0.00 0.00
Operating Cycle
 0.00 0.00 0.00 0.00 0.00
Cash Flow Ratios
Operating Cash Flow Per Share
 0.00 4.80 1.72 3.57 2.91
Free Cash Flow Per Share
 0.00 4.40 0.63 1.74 1.85
CapEx Per Share
 0.00 0.40 1.09 1.83 1.07
Free Cash Flow to Operating Cash Flow
 0.00 0.92 0.36 0.49 0.63
Dividend Paid and CapEx Coverage Ratio
 0.00 4.64 1.02 1.50 1.84
Capital Expenditure Coverage Ratio
 0.00 11.93 1.57 1.95 2.73
Operating Cash Flow Coverage Ratio
 0.00 0.16 0.07 0.11 0.15
Operating Cash Flow to Sales Ratio
 0.00 0.24 0.16 0.35 0.26
Free Cash Flow Yield
0.00%18.30%3.25%10.94%9.58%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 11.88 9.06 8.44 6.63 6.46
Price-to-Sales (P/S) Ratio
 1.48 1.19 1.81 1.54 1.69
Price-to-Book (P/B) Ratio
 1.17 0.91 0.82 0.74 1.01
Price-to-Free Cash Flow (P/FCF) Ratio
 0.00 5.46 30.79 9.14 10.43
Price-to-Operating Cash Flow Ratio
 0.00 5.01 11.21 4.45 6.61
Price-to-Earnings Growth (PEG) Ratio
 1.98 0.56 -1.69 -0.34 0.43
Price-to-Fair Value
 1.17 0.91 0.82 0.74 1.01
Enterprise Value Multiple
 13.38 9.40 9.73 -186.32 5.76
Enterprise Value
 194.26M 135.29M 136.31M 145.70M 100.74M
EV to EBITDA
 13.38 9.40 9.73 -186.32 5.76
EV to Sales
 2.02 1.45 2.81 3.11 1.96
EV to Free Cash Flow
 0.00 6.68 47.79 18.44 12.06
EV to Operating Cash Flow
 0.00 6.12 17.40 8.97 7.64
Tangible Book Value Per Share
 24.11 23.43 20.30 18.29 15.72
Shareholders’ Equity Per Share
 26.99 26.36 23.50 21.53 19.02
Tax and Other Ratios
Effective Tax Rate
 0.15 0.15 0.14 0.18 0.16
Revenue Per Share
 20.56 20.22 10.64 10.30 11.37
Net Income Per Share
 2.64 2.65 2.28 2.40 2.98
Tax Burden
 0.85 0.85 0.86 0.82 0.84
Interest Burden
 1.00 1.00 1.00 1.00 1.00
Research & Development to Revenue
 0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
 0.31 0.31 0.66 0.11 0.08
Stock-Based Compensation to Revenue
 0.02 0.00 0.03 0.04 0.02
Income Quality
 0.00 1.81 0.75 1.49 0.98
Currency in USD