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Southern Michigan Bancorp
(OTC:SOMC)
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Rating:73Outperform
Price Target:
$35.00
▲(11.15% Upside)
Action:Reiterated
Date:08/06/26
The score is driven primarily by solid financial performance, highlighted by strong 2025 revenue and cash-flow improvement alongside manageable leverage, though tempered by margin compression and historical volatility. Technicals add support with price above key moving averages and neutral-to-positive momentum. Valuation contributes positively with a reasonable P/E and a modest dividend yield.
Positive Factors
Strong Revenue and Earnings Growth
The 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.
Negative Factors
Margin Compression
The 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.
Read all positive and negative factors
Positive Factors
Negative Factors
Strong Revenue and Earnings Growth
The 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.
Read all positive factors
Southern Michigan Bancorp (SOMC) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$144.37M
Dividend Yield2.1%
Average Volume (3M)2.56K
Price to Earnings (P/E)11.9
Beta (1Y)0.34
Revenue Growth10.57%
EPS Growth6.03%
CountryUS
Employees258
SectorFinancial
Sector Strength70
IndustryBanks - Regional
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
Southern Michigan Bancorp Business Overview & Revenue Model
Company Description
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 governmenta...
How the Company Makes Money
Southern Michigan Bancorp makes money primarily through its community banking operations. Its largest revenue driver is typically net interest income: the bank earns interest and fee income on loans and other interest-earning assets (such as comme...
Southern Michigan Bancorp Financial Statement Overview
Summary
Income Statement
74
Positive
Balance Sheet
63
Positive
Cash Flow
70
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 96.16M | 93.17M | 48.56M | 46.81M | 51.51M | 46.15M |
| Gross Profit | 56.29M | 54.06M | 48.56M | 73.31M | 51.51M | 46.15M |
| EBITDA | 14.52M | 14.39M | 14.02M | 14.94M | 17.48M | 15.51M |
| Net Income | 12.32M | 12.21M | 10.40M | 10.90M | 13.49M | 11.76M |
Balance Sheet | ||||||
| Total Assets | 1.68B | 1.69B | 1.50B | 1.42B | 1.28B | 1.16B |
| Cash, Cash Equivalents and Short-Term Investments | 81.17M | 110.38M | 69.50M | 73.09M | 75.70M | 117.85M |
| Total Debt | 133.51M | 134.08M | 117.98M | 146.54M | 89.25M | 77.92M |
| Total Liabilities | 1.56B | 1.57B | 1.39B | 1.32B | 1.19B | 1.07B |
| Stockholders Equity | 126.25M | 121.48M | 107.22M | 97.83M | 86.16M | 97.75M |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 20.26M | 2.85M | 7.90M | 8.36M | 9.90M |
| Operating Cash Flow | 0.00 | 22.11M | 7.84M | 16.24M | 13.19M | 13.68M |
| Investing Cash Flow | 0.00 | -157.40M | -76.58M | -141.57M | -179.38M | -148.72M |
| Financing Cash Flow | 0.00 | 175.92M | 66.36M | 119.69M | 124.06M | 154.82M |
Southern Michigan Bancorp Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
80 Outperform | $127.82M | 10.42 | 9.59% | 1.92% | 7.51% | 20.96% | |
73 Outperform | $144.37M | 11.88 | 10.09% | 2.10% | 10.57% | 6.03% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
63 Neutral | $145.03M | 44.08 | 1.80% | 1.06% | 6.46% | 1.90% | |
60 Neutral | $117.61M | 9.11 | 14.72% | 6.06% | 10.15% | 28.62% | |
58 Neutral | $117.09M | 43.69 | 1.83% | ― | 21.45% | ― | |
55 Neutral | $106.15M | -27.82 | -2.50% | 1.50% | -11.21% | -176.24% |
* Financial Sector Average
SOMC
Southern Michigan Bancorp
31.49
7.13
29.25%
MGYR
Magyar Bancorp
19.80
2.87
16.92%
RVSB
Riverview Bancorp
5.32
0.35
6.96%
UNB
Union Bankshares
23.78
-0.75
-3.05%
BSBK
Bogota Financial
9.18
-0.31
-3.32%
SRBK
SR Bancorp, Inc.
19.76
4.94
33.32%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.