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Total Valuation
Southern Michigan Bancorp has a market cap or net worth of $144.37M. The enterprise value is $201.01.
Market Cap$144.37M
Enterprise Value$201.01
Share Statistics
Southern Michigan Bancorp has 4,584,752 shares outstanding. The number of shares has decreased by -2.65% in one year.
Shares Outstanding4,584,752
Owned by Insiders―
Owned by Institutions―
Financial Efficiency
Southern Michigan Bancorp’s return on equity (ROE) is 0.10 and return on invested capital (ROIC) is 0.72%.
Return on Equity (ROE)0.10
Return on Assets (ROA)<0.01
Return on Invested Capital (ROIC)0.72%
Return on Capital Employed (ROCE)<0.01
Revenue Per Employee361.14K
Profits Per Employee47.34K
Employee Count258
Asset Turnover0.06
Inventory Turnover0.00
Valuation Ratios
The current PE Ratio of Southern Michigan Bancorp is 11.9. Southern Michigan Bancorp’s PEG ratio is 0.56.
PE Ratio11.9
PS Ratio1.19
PB Ratio0.91
Price to Fair Value0.91
Price to FCF5.46
Price to Operating Cash Flow0.00
PEG Ratio0.56
Income Statement
In the last 12 months, Southern Michigan Bancorp had revenue of 93.17M and earned 12.21M in profits. Earnings per share was 2.65.
Revenue93.17M
Gross Profit54.06M
Operating Income14.39M
Pretax Income14.39M
Net Income12.21M
EBITDA14.39M
Earnings Per Share (EPS)2.65
Cash Flow
In the last 12 months, operating cash flow was 0.00 and capital expenditures 0.00, giving a free cash flow of 0.00 billion.
Operating Cash Flow0.00
Free Cash Flow0.00
Free Cash Flow per Share0.00
Dividends & Yields
Southern Michigan Bancorp pays an annual dividend of $0.17, resulting in a dividend yield of 2.1%
Dividend Per Share$0.17
Dividend Yield2.1%
Payout Ratio24.88%
Free Cash Flow Yield―
Earnings Yield―
Stock Price Statistics
Beta0.34
52-Week Price Change29.25%
50-Day Moving Average31.09
200-Day Moving Average27.11
Relative Strength Index (RSI)56.00
Average Volume (3m)2.56K
Important Dates
Southern Michigan Bancorp upcoming earnings date is Oct 28, 2026, Before Open (Confirmed).
Last Earnings DateJul 29, 2026
Next Earnings DateOct 28, 2026
Ex-Dividend Date―
Financial Position
Southern Michigan Bancorp as a current ratio of 79.41, with Debt / Equity ratio of 105.75%
Current Ratio79.41
Quick Ratio79.41
Debt to Market Cap1.21
Net Debt to EBITDA1.71
Interest Coverage Ratio0.40
Taxes
In the past 12 months, Southern Michigan Bancorp has paid 2.18M in taxes.
Income Tax2.18M
Effective Tax Rate0.15
Enterprise Valuation
Southern Michigan Bancorp EV to EBITDA ratio is 9.40, with an EV/FCF ratio of 6.68.
EV to Sales1.45
EV to EBITDA9.40
EV to Free Cash Flow6.68
EV to Operating Cash Flow6.12
Balance Sheet
Southern Michigan Bancorp has $81.17M in cash and marketable securities with $133.51M in debt, giving a net cash position of -$52.34M billion.
Cash & Marketable Securities$81.17M
Total Debt$133.51M
Net Cash-$52.34M
Net Cash Per Share-$11.42
Tangible Book Value Per Share$23.43
Margins
Gross margin is 58.54%, with operating margin of 15.45%, and net profit margin of 13.11%.
Gross Margin58.54%
Operating Margin15.45%
Pretax Margin15.45%
Net Profit Margin13.11%
EBITDA Margin15.45%
EBIT Margin15.45%
Analyst Forecast
The average price target for Southern Michigan Bancorp is ―, which is 11.43% higher than the current price. The consensus rating is ―
Price Target―
Price Target Upside―
Analyst Consensus―
Analyst Count0
Revenue Growth Forecast10.57%
EPS Growth Forecast6.03%