Want to see STBI full AI Analyst Report?
STBI Stock Chart & Stats
$28.85
-$0.05(-0.17%)
At close: 4:00 PM EDT
$28.85
-$0.05(-0.17%)
Day’s Range― - ―
52-Week Range$19.95 - $29.99
Previous CloseN/A
Volume1.02K
Average Volume (3M)857.00
Market Cap
$63.45M
Enterprise Value$89.70M
Total Cash (Recent Filing)$0.00
Total Debt (Recent Filing)$40.51M
Price to Earnings (P/E)7.0
Beta0.13
Next Earnings
Jan 27, 2027EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield2.43%
Share Statistics
EPS (TTM)4.14
Shares Outstanding2,173,791
10 Day Avg. Volume1,097
30 Day Avg. Volume857
Financial Highlights & Ratios
PEG Ratio0.04
Price to Book (P/B)0.73
Price to Sales (P/S)0.78
P/FCF Ratio3.34
Enterprise Value/Market Cap1.41
Enterprise Value/Revenue1.57
Enterprise Value/Gross Profit1.97
Enterprise Value/Ebitda11.22
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
Improved Leverage And CapitalA materially lower debt-to-equity (~0.49x in 2025) and recovering ROE indicate a stronger capital base and reduced funding risk. This improves regulatory flexibility, supports sustained lending capacity and cushions earnings against cyclical credit losses over the medium term.
Consistent Multi-year Revenue GrowthSteady top-line growth across multiple years shows durable demand for core community banking products. A sustained revenue trajectory supports scale gains, steadier net interest income over time, and provides a platform for margin recovery and reinvestment in digital channels.
Strengthened Cash Generation In 2025Improved operating and free cash flow in 2025 demonstrates better earnings quality and internal funding ability. Reliable cash generation supports dividend capacity, loan book growth without heavy external financing, and provides buffer for provisioning or strategic investments.
Bears Say
Margin VolatilitySharp swings in net margin reduce predictability of earnings and complicate capital planning. For a regional bank, persistent margin variability can signal sensitivity to rate moves, funding mix shifts or competitive pressure on deposit pricing, undermining long-term margin sustainability.
Choppy Free Cash Flow HistoryIrregular FCF conversion undermines confidence in internal funding for growth or payouts. Episodic negative or reduced free cash flow forces reliance on balance sheet changes or external funding in weak years, raising execution risk for strategic programs and capital return consistency.
Historical Leverage VolatilityPrior swings from elevated leverage to a lower 2025 level indicate the bank has shifted funding and capital strategies before. Recurring leverage volatility would increase refinancing and regulatory risk, making long-term credit profile and strategy consistency a concern for stakeholders.
STBI FAQ
What was Sturgis Bancorp Inc’s price range in the past 12 months?
Sturgis Bancorp Inc lowest stock price was $19.95 and its highest was $29.99 in the past 12 months.
What is Sturgis Bancorp Inc’s market cap?
Sturgis Bancorp Inc’s market cap is $63.45M.
When is Sturgis Bancorp Inc’s upcoming earnings report date?
Sturgis Bancorp Inc’s upcoming earnings report date is Jan 27, 2027 which is in 89 days.
How were Sturgis Bancorp Inc’s earnings last quarter?
Sturgis Bancorp Inc released its earnings results on Jul 13, 2026. The company reported $1.16 earnings per share for the quarter.
Is Sturgis Bancorp Inc overvalued?
According to Wall Street analysts Sturgis Bancorp Inc’s price is currently Overvalued.
Does Sturgis Bancorp Inc pay dividends?
Sturgis Bancorp Inc pays a Quarterly dividend of $0.18 which represents an annual dividend yield of 2.43%. See more information on Sturgis Bancorp Inc dividends here
What is Sturgis Bancorp Inc’s EPS estimate?
Sturgis Bancorp Inc’s EPS estimate for its next earnings report is not yet available.
How many shares outstanding does Sturgis Bancorp Inc have?
Sturgis Bancorp Inc has 2,173,791 shares outstanding.
What happened to Sturgis Bancorp Inc’s price movement after its last earnings report?
Sturgis Bancorp Inc reported an EPS of $1.16 in its last earnings report. Following the earnings report the stock price went up 2.771%.
Which hedge fund is a major shareholder of Sturgis Bancorp Inc?
Currently, no hedge funds are holding shares in STBI
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
Sturgis Bancorp Stock Smart Score
Neutral
1
2
3
4
5
6
7
8
9
10
Technicals
SMA
Positive
20 days / 200 days
Momentum
47.99%
12-Months-Change
Fundamentals
Return on Equity
13.80%
Trailing 12-Months
Asset Growth
7.22%
Trailing 12-Months
Learn more about TipRanks Smart Score
Company Description
Sturgis Bancorp Inc
Sturgis Bancorp, Inc. serves as the parent company for Sturgis Bank & Trust Company, a financial institution that delivers a broad spectrum of banking solutions and services across Michigan, United States. Its product portfolio encompasses various deposit accounts, including checking, savings (with health savings options), and money market accounts, along with certificates of deposit (CDs) and individual retirement accounts (IRAs). The bank also extends diverse lending options such as mortgages, automobile loans, personal loans, and savings-secured loans. For both individuals and businesses, it provides home equity loans and lines of credit, equipment and machinery financing, commercial real estate loans, and government-supported loan programs, in addition to business lines of credit and credit cards. Beyond its core offerings, the company furnishes supplementary services like private banking, cashier's checks, wire transfers, foreign drafts, and foreign currency exchange. Customers can also access overdraft protection, night depository services, notary services, safe deposit boxes, and specific residential mortgage offerings. Digital banking capabilities feature direct deposit, remote deposit capture, Visa check cards, and check reordering. Furthermore, Sturgis Bancorp provides investment and financial advisory services, alongside a range of insurance products covering commercial, consumer, and title coverage. Wealth management solutions comprise estate settlements, trust administration, record keeping, investment management, and custody services. The company also supports businesses with cash and treasury management, and ensures modern convenience through online and mobile banking, bill payment, and mobile wallet services. Sturgis Bancorp operates through a network of 14 bank branches and 4 full-service standalone ATMs, strategically situated in 12 distinct communities throughout Michigan. Established in 1905, the company maintains its corporate headquarters in Sturgis, Michigan.
Technical Analysis
Ownership Overview
―
Insiders
―
Mutual Funds
2.57% Other Institutional Investors
97.43% Public Companies and
Individual Investors