Southern Michigan Bancorp Inc (SOMC)

OTHER OTC:SOMC

SOMC

Southern Michigan Bancorp

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Southern Michigan Bancorp (SOMC) Price & Analysis

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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$18.50 - $28.06

Previous CloseN/A

Volume1.90K

Average Volume (3M)464.00

Market Cap

$128.37M

Enterprise Value$152.96M

Total Cash (Recent Filing)$0.00

Total Debt (Recent Filing)$132.66M

Price to Earnings (P/E)8.8

Beta0.28

Next Earnings

Jul 29, 2026

EPS EstimateN/A

Next Dividend Ex-DateN/A

Dividend Yield2.58%

Share Statistics

EPS (TTM)0.71

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 Cap1.19

Enterprise Value/Revenue2.18

Enterprise Value/Gross Profit2.49

Enterprise Value/Ebitda11.45

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 GrowthThe revenue nearly doubled in 2025, reflecting materially higher lending, fees, or asset growth. Such a structural uplift supports scalability of the franchise, improves operating leverage potential, and provides a larger base to absorb future provisioning or investment needs over the medium term.

Cash GenerationSignificantly stronger operating and free cash flow in 2025, with FCF close to reported earnings, indicates improved earnings quality and internal funding capacity. Durable cash generation strengthens capacity to support dividends, capital needs, and loan growth without excessive external financing.

Balance Sheet StrengthImproved leverage and rising equity demonstrate stronger capitalization and risk buffers. Better funding ratios support continued asset growth, reduce sensitivity to funding shocks, and give management more flexibility for strategic lending or investment over the coming quarters.

Bears Say

Margin PressureSustained margin compression from prior years means each dollar of revenue now yields less profit. If driven by structural funding costs or competitive loan pricing, this can permanently depress return-on-assets and ROE, constraining long-term profitability unless reversed.

Cash-Flow VolatilityMulti-year volatility in cash conversion undermines predictability of capital available for lending, dividends, or buybacks. Persistent swings raise the risk of needing external funding or cutting payouts in adverse periods, complicating strategic planning and investor confidence.

Weaker Return On Equity Vs PeakROE has declined meaningfully as the balance sheet expanded, indicating new assets haven’t generated equivalent profit. Continued lower ROE signals reduced capital efficiency and may limit shareholder returns unless assets or margins meaningfully improve.

SOMC FAQ

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

Southern Michigan Bancorp Inc lowest stock price was $18.50 and its highest was $28.06 in the past 12 months.

What is Southern Michigan Bancorp Inc’s market cap?

Southern Michigan Bancorp Inc’s market cap is $128.37M.

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

Southern Michigan Bancorp Inc’s upcoming earnings report date is Jul 29, 2026 which is in 87 days.

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

Southern Michigan Bancorp Inc released its earnings results on Apr 29, 2026. The company reported $0.71 earnings per share for the quarter, beating the consensus estimate of N/A by $0.71.

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 $0.71 in its last earnings report, beating expectations of N/A. Following the earnings report the stock price went up 2.461%.

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.