Southern Michigan Bancorp Inc (SOMC)

OTHER OTC:SOMC

SOMC

Southern Michigan Bancorp

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Southern Michigan Bancorp (SOMC) Price & Analysis

7 Followers

SOMC Stock Chart & Stats

$23.75

$0.00(0.00%)

At close: Jan 03 4:00 PM EST

$23.75

$0.00(0.00%)

Day’s Range― - ―

52-Week Range$17.00 - $25.74

Previous CloseN/A

Volume1.90K

Average Volume (3M)464.00

Market Cap

$116.91M

Enterprise Value$141.49M

Total Cash (Recent Filing)$0.00

Total Debt (Recent Filing)$132.66M

Price to Earnings (P/E)9.5

Beta0.28

Next Earnings

Apr 29, 2026

EPS EstimateN/A

Next Dividend Ex-DateN/A

Dividend Yield2.58%

Share Statistics

EPS (TTM)0.63

Shares Outstanding4,584,752

10 Day Avg. Volume819

30 Day Avg. Volume464

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 Cap1.21

Enterprise Value/Revenue2.02

Enterprise Value/Gross Profit2.31

Enterprise Value/Ebitda10.59

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

Revenue & Cash GenerationA large, durable increase in 2025 revenue and material free cash flow improvement boosts the firm's internal funding capacity. Sustained higher cash generation enhances capacity for loan growth, provisioning, dividend policy and IT/branch investments, strengthening medium-term strategic flexibility.

Improving Balance Sheet PositionLower leverage and rising equity provide a stronger regulatory and capital buffer while enabling asset expansion. Improved capitalization reduces funding and interest-rate risk, supports higher lending capacity and gives management more room for strategic investments or larger loan volumes without raising external capital.

Core Franchise Growth & NIM ImprovementSimultaneous loan and deposit expansion with rising net interest margin signals durable strengthening of core banking economics. Growth of both assets and stable funding increases net interest income capacity, supports scale-driven operating leverage and underpins recurring revenue generation over the medium term.

Bears Say

Margin CompressionA sustained step-down in net margins reduces profitability per dollar of revenue and suggests pressure either on yields or on funding/costs. If structural, this compresses return potential and requires sustained NIM improvement or efficiency gains to restore prior earnings power amid an expanded balance sheet.

Cash Flow VolatilityMulti-year variability in free cash flow signals inconsistent cash conversion and amplifies execution risk. Variable cash generation makes capital allocation, dividend sustainability and provisioning planning harder, increasing the likelihood of future funding or earnings shocks during stress periods.

Moderate Returns On EquityROE trending well below prior peak indicates the bank's growth is not translating proportionally into shareholder returns. Persistently mid-single-digit return compression versus historical performance could pressure investor expectations and suggest the need for higher margins or improved efficiency to justify equity growth.

SOMC FAQ

What was Southern Michigan Bancorp Inc’s price range in the past 12 months?

Southern Michigan Bancorp Inc lowest stock price was $17.00 and its highest was $25.74 in the past 12 months.

What is Southern Michigan Bancorp Inc’s market cap?

Southern Michigan Bancorp Inc’s market cap is $116.91M.

When is Southern Michigan Bancorp Inc’s upcoming earnings report date?

Southern Michigan Bancorp Inc’s upcoming earnings report date is Apr 29, 2026 which is in 20 days.

How were Southern Michigan Bancorp Inc’s earnings last quarter?

Southern Michigan Bancorp Inc released its earnings results on Feb 17, 2026. The company reported $0.63 earnings per share for the quarter, beating the consensus estimate of N/A by $0.63.

Is Southern Michigan Bancorp Inc overvalued?

According to Wall Street analysts Southern Michigan Bancorp Inc’s price is currently Overvalued. Get more investment ideas with TipRanks Premium

Does Southern Michigan Bancorp Inc pay dividends?

Southern Michigan Bancorp Inc pays a Quarterly dividend of $0.16 which represents an annual dividend yield of 2.58%. See more information on Southern Michigan Bancorp Inc dividends here

What is Southern Michigan Bancorp Inc’s EPS estimate?

Southern Michigan Bancorp Inc’s EPS estimate for its next earnings report is not yet available.

How many shares outstanding does Southern Michigan Bancorp Inc have?

Southern Michigan Bancorp Inc has 4,584,752 shares outstanding.

What happened to Southern Michigan Bancorp Inc’s price movement after its last earnings report?

Southern Michigan Bancorp Inc reported an EPS of $0.63 in its last earnings report, beating expectations of N/A. Following the earnings report the stock price went up 1.404%.

Which hedge fund is a major shareholder of Southern Michigan Bancorp Inc?

Currently, no hedge funds are holding shares in SOMC

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

Southern Michigan Bancorp Stock Smart Score

Neutral

Technicals

Fundamentals

Return on Equity

10.68%

Trailing 12-Months

Asset Growth

7.72%

Trailing 12-Months

Top Smart Score Stocks >

Company Description

Southern Michigan Bancorp Inc

Southern Michigan Bancorp, Inc. operates as the bank holding company for Southern Michigan Bank & Trust that provides a range of commercial banking services to individuals, businesses, institutions, and governmental agencies primarily in the southwest Michigan communities. Its deposit products include interest and non-interest checking, savings, and various types of money market accounts; time, savings, and demand deposits; and certificates of deposit and IRAs. The company also provides home mortgages and equity loans, home equity line of credit, and auto/personal loans; business loans, such as lines of credit, term loans, commercial real estate loans, commercial and industrial loans, agriculture loans, letters of credit, small business administration loans, and capital access loans; industrial, construction, real estate, and inventory loans; and consumer lending products comprising direct and indirect loans to purchasers of residential real property and consumer goods. In addition, it offers trust and investment services that include investment management, trustee, IRA rollovers and retirement plan, institutional and personal custody, estate settlement, wealth management, estate and wealth transfer planning assistance, charitable gift planning assistance, and cash management custody services; and safe deposit box and automated teller machine services. Further, the company provides online and mobile banking, bill pay, e-statements, health savings account, ACH, wire transfer, remote deposit capture, insurance, and merchant services, as well as ATM, debit, credit, and gift cards. As of March 23, 2022, it operated 13 branches within Branch, Calhoun, Hillsdale, Kalamazoo, and St. Joseph Counties. The company was founded in 1871 and is based in Coldwater, Michigan.