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STBI Stock Chart & Stats
$28.80
-$0.05(-0.17%)
At close: 4:00 PM EDT
$28.80
-$0.05(-0.17%)
Day’s Range― - ―
52-Week Range$18.45 - $29.75
Previous CloseN/A
Volume1.02K
Average Volume (3M)920.00
Market Cap
$70.51M
Enterprise Value$102.19
Total Cash (Recent Filing)$11.91M
Total Debt (Recent Filing)$30.69M
Price to Earnings (P/E)7.1
Beta0.11
Next Earnings
Oct 15, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield2.43%
Share Statistics
EPS (TTM)3.66
Shares Outstanding2,444,000
10 Day Avg. Volume1,115
30 Day Avg. Volume920
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 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
Bulls Say, Bears Say
Bulls Say
Deleveraging & Capital PositionMaterial de-risking of the balance sheet and a recovered ROE improve loss-absorption, regulatory flexibility, and capacity to grow loans or return capital. A lower debt-to-equity reduces refinancing and liquidity stress over the medium term and supports strategic optionality.
Consistent Revenue GrowthMulti-year top-line growth indicates sustained customer demand and successful core banking activity. A steady revenue base supports reinvestment in branches/digital channels, underpins margin recovery potential, and makes earnings less dependent on one-off items.
Strengthening Cash GenerationImproved operating and free cash flow enhances internal funding for lending, capex, and dividends without heavy external financing. Strong cash generation increases resilience to funding shocks and provides flexibility for strategic investments or gradual balance-sheet expansion.
Bears Say
Margin And Cash-Flow VolatilityYear-to-year swings in net margin and FCF weaken forecastability for capital planning and dividend policy. Persistent volatility can force conservative provisioning, restrict lending during stress, and raise required returns from investors assessing long-term earnings durability.
Historical Leverage SwingsPrior elevated leverage (notably in 2021–2022) shows the balance sheet can re-lever under certain conditions. This history increases the risk that capital metrics could deteriorate again in adverse cycles, potentially triggering regulatory constraints or dilutive capital raises.
Limited Scale / Community-Bank FootprintSmall operational scale constrains product diversification, technology investment, and cost efficiencies versus larger peers. Over time, limited scale can pressure margins, slow digital rollouts, and make customer acquisition costlier in a competitive regional banking market.
STBI FAQ
What was Sturgis Bancorp Inc’s price range in the past 12 months?
Sturgis Bancorp Inc lowest stock price was $18.45 and its highest was $29.75 in the past 12 months.
What is Sturgis Bancorp Inc’s market cap?
Sturgis Bancorp Inc’s market cap is $70.51M.
When is Sturgis Bancorp Inc’s upcoming earnings report date?
Sturgis Bancorp Inc’s upcoming earnings report date is Oct 15, 2026 which is in 79 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, beating the consensus estimate of N/A by $1.16.
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 2,444,000 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, beating expectations of N/A. Following the earnings report the stock price went up 2.627%.
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
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4
5
6
7
8
9
10
Technicals
SMA
Positive
20 days / 200 days
Momentum
19.49%
12-Months-Change
Fundamentals
Return on Equity
2.43%
Trailing 12-Months
Asset Growth
4.54%
Trailing 12-Months
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
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Ownership Overview
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Insiders
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Mutual Funds
2.29% Other Institutional Investors
97.71% Public Companies and
Individual Investors