Southern Michigan Bancorp (SOMC) Stock Statistics & Valuation Metrics

Southern Michigan Bancorp has a market cap or net worth of $137.38M. The enterprise value is $117.76M.

Market Cap

$137.38M

Enterprise Value

$117.76M

Southern Michigan Bancorp has 4,648,932 shares outstanding. The number of shares has decreased by -2.65% in one year.

Shares Outstanding

4,648,932

Owned by Insiders

―

Owned by Institutions

0.18%

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 Employee

361.14K

Profits Per Employee

47.34K

Employee Count

258

Asset Turnover

0.06

Inventory Turnover

0.00

The current PE Ratio of Southern Michigan Bancorp is 10.94. Southern Michigan Bancorp’s PEG ratio is 2.35.

PE Ratio

10.94

PS Ratio

1.38

PB Ratio

1.12

Price to FCF

0.00

Price to Operating Cash Flow

0.00

PEG Ratio

2.35

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.

Revenue

93.17M

Gross Profit

54.06M

Operating Income

14.39M

Pretax Income

14.39M

Net Income

12.21M

EBITDA

14.39M

Earnings Per Share (EPS)

2.65

In the last 12 months, operating cash flow was 0 and capital expenditures 0, giving a free cash flow of 0 billion.

Operating Cash Flow

0

Free Cash Flow

0

Free Cash Flow per Share

0.00

Southern Michigan Bancorp pays an annual dividend of $0.17, resulting in a dividend yield of 2.27%

Dividend Per Share

$0.17

Dividend Yield

2.27%

Payout Ratio

33.12%

Free Cash Flow Yield

0.00%

Earnings Yield

9.10%

Beta

0.35

52-Week Price Change

20.61%

50-Day Moving Average

29.85

200-Day Moving Average

28.30

Relative Strength Index (RSI)

53.83

Average Volume (3m)

3,968

Southern Michigan Bancorp upcoming earnings date is Feb 17, 2027, TBA (Not Confirmed).

Last Earnings Date

Oct 28, 2026

Next Earnings Date

Feb 17, 2027

Ex-Dividend Date

Jul 06, 2026

Southern Michigan Bancorp as a current ratio of 79.41, with Debt / Equity ratio of 110.37%

Current Ratio

79.41

Quick Ratio

79.41

Debt to Market Cap

1.21

Net Debt to EBITDA

1.71

Interest Coverage Ratio

0.40

In the past 12 months, Southern Michigan Bancorp has paid 2.18M in taxes.

Income Tax

2.18M

Effective Tax Rate

0.15

Southern Michigan Bancorp EV to EBITDA ratio is 7.59, with an EV/FCF ratio of 0.00.

EV to Sales

1.17

EV to EBITDA

7.59

EV to Free Cash Flow

0.00

EV to Operating Cash Flow

0.00

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

-$11.26

Tangible Book Value Per Share

$24.11

Gross margin is 59.99%, with operating margin of 15.46%, and net profit margin of 13.03%.

Gross Margin

59.99%

Operating Margin

15.46%

Pretax Margin

15.46%

Net Profit Margin

13.03%

EBITDA Margin

15.46%

EBIT Margin

15.46%

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 Count

―

Revenue Growth Forecast

6.48%

EPS Growth Forecast

4.50%

Smart Score

5

AI Score

73