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Sturgis Bancorp
(OTC:STBI)
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Rating:77Outperform
Price Target:
$33.00
▲(14.38% Upside)
Action:Reiterated
Date:08/06/26
The score is driven primarily by attractive valuation (low P/E with a solid dividend) and improving financial fundamentals (earnings rebound and materially lower leverage). Technicals are supportive with a positive trend and momentum, while historical volatility in profitability and free cash flow tempers the overall rating.
Positive Factors
Improved leverage and capital
A 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.
Negative Factors
Margin volatility
Sharp 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.
Read all positive and negative factors
Positive Factors
Negative Factors
Improved leverage and capital
A 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.
Read all positive factors
Sturgis Bancorp (STBI) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$70.51M
Dividend Yield2.46%
Average Volume (3M)920.00
Price to Earnings (P/E)7.1
Beta (1Y)0.14
Revenue Growth4.96%
EPS Growth32.82%
CountryUS
Employees118
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)4.06
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
Sturgis Bancorp Business Overview & Revenue Model
Company Description
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...
How the Company Makes Money
Sturgis Bancorp makes money primarily through its banking subsidiary by earning net interest income and generating noninterest income. Net interest income is driven by interest and fee income collected on loans (such as commercial, consumer, and r...
Sturgis Bancorp Financial Statement Overview
Summary
Income Statement
74
Positive
Balance Sheet
76
Positive
Cash Flow
63
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 60.48M | 59.13M | 56.11M | 49.03M | 35.38M | 32.88M |
| Gross Profit | 44.69M | 42.44M | 32.80M | 35.49M | 30.89M | 27.69M |
| EBITDA | 10.93M | 9.19M | 3.16M | 9.07M | 9.58M | 9.96M |
| Net Income | 8.80M | 7.46M | 2.83M | 6.02M | 6.62M | 6.34M |
Balance Sheet | ||||||
| Total Assets | 1.03B | 998.66M | 956.39M | 919.47M | 864.80M | 751.74M |
| Cash, Cash Equivalents and Short-Term Investments | 11.29M | 10.64M | 97.87M | 92.67M | 78.14M | 123.15M |
| Total Debt | 56.62M | 30.68M | 76.02M | 54.84M | 85.75M | 103.67M |
| Total Liabilities | 962.96M | 935.41M | 900.98M | 863.70M | 812.26M | 699.30M |
| Stockholders Equity | 66.80M | 63.26M | 55.41M | 55.77M | 52.55M | 52.44M |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 13.88M | 6.55M | 7.81M | 6.78M | 10.41M |
| Operating Cash Flow | 0.00 | 16.24M | 7.62M | 11.05M | 12.04M | 12.63M |
| Investing Cash Flow | 0.00 | -19.55M | -61.38M | -32.99M | -152.45M | -143.38M |
| Financing Cash Flow | 0.00 | 23.91M | 34.55M | 46.97M | 115.87M | 102.43M |
Sturgis Bancorp Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
77 Outperform | $70.51M | 7.14 | 13.75% | 2.43% | 4.96% | 32.82% | |
76 Outperform | $77.58M | 12.46 | 10.69% | 2.53% | 7.71% | 60.72% | |
73 Outperform | $82.35M | 9.46 | 7.13% | 2.76% | 4.91% | 127.20% | |
68 Neutral | $70.15M | 30.70 | 2.47% | ― | 0.82% | -2.26% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
* Financial Sector Average
STBI
Sturgis Bancorp
28.85
9.95
52.62%
ASRV
Ameriserv Financial
4.80
1.92
66.55%
HFBL
Home Federal Bancorp Of Louisiana
25.42
12.48
96.48%
FSEA
First Seacoast Bancorp
17.18
5.68
49.43%
CLST
Catalyst Bancorp
17.50
4.67
36.40%
NSTS
NSTS Bancorp
13.99
2.09
17.56%
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.