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Southern Michigan Bancorp Inc (SOMC)
OTHER OTC:SOMC
Total Valuation
Southern Michigan Bancorp has a market cap or net worth of $114.62M. The enterprise value is $171.48M.
Market Cap$114.62M
Enterprise Value$171.48M
Share Statistics
Southern Michigan Bancorp has 4,584,752 shares outstanding. The number of shares has decreased by -2.65% in one year.
Shares Outstanding4,584,752
Owned by Insiders―
Owned by Institutions0.06%
Financial Efficiency
Southern Michigan Bancorp’s return on equity (ROE) is 0.10 and return on invested capital (ROIC) is 1.55%.
Return on Equity (ROE)0.10
Return on Assets (ROA)<0.01
Return on Invested Capital (ROIC)1.55%
Return on Capital Employed (ROCE)0.02
Revenue Per Employee280.72K
Profits Per Employee60.13K
Employee Count173
Asset Turnover0.03
Inventory Turnover0.00
Valuation Ratios
The current PE Ratio of Southern Michigan Bancorp is 10.0. Southern Michigan Bancorp’s PEG ratio is -1.69.
PE Ratio10.0
PS Ratio1.81
PB Ratio0.82
Price to Fair Value0.82
Price to FCF30.79
Price to Operating Cash Flow0.00
PEG Ratio-1.69
Income Statement
In the last 12 months, Southern Michigan Bancorp had revenue of 48.56M and earned 10.40M in profits. Earnings per share was 2.28.
Revenue48.56M
Gross Profit48.56M
Operating Income16.34M
Pretax Income12.14M
Net Income10.40M
EBITDA12.14M
Earnings Per Share (EPS)2.28
Cash Flow
In the last 12 months, operating cash flow was 0.00 and capital expenditures 0.00, giving a free cash flow of 0.00 billion.
Operating Cash Flow0.00
Free Cash Flow0.00
Free Cash Flow per Share0.00
Dividends & Yields
Southern Michigan Bancorp pays an annual dividend of $0.16, resulting in a dividend yield of 2.48%
Dividend Per Share$0.16
Dividend Yield2.48%
Payout Ratio24.74%
Free Cash Flow Yield―
Earnings Yield―
Stock Price Statistics
Beta0.29
52-Week Price Change49.16%
50-Day Moving Average23.82
200-Day Moving Average20.29
Relative Strength Index (RSI)62.89
Average Volume (3m)517.00
Important Dates
Southern Michigan Bancorp upcoming earnings date is Oct 22, 2025, Before Open (Confirmed).
Last Earnings DateJul 23, 2025
Next Earnings DateOct 22, 2025
Ex-Dividend DateOct 06, 2025
Financial Position
Southern Michigan Bancorp as a current ratio of 0.12, with Debt / Equity ratio of 107.59%
Current Ratio0.12
Quick Ratio0.12
Debt to Market Cap1.34
Net Debt to EBITDA3.99
Interest Coverage Ratio0.00
Taxes
In the past 12 months, Southern Michigan Bancorp has paid 1.74M in taxes.
Income Tax1.74M
Effective Tax Rate0.14
Enterprise Valuation
Southern Michigan Bancorp EV to EBITDA ratio is 11.23, with an EV/FCF ratio of 47.79.
EV to Sales2.81
EV to EBITDA11.23
EV to Free Cash Flow47.79
EV to Operating Cash Flow17.40
Balance Sheet
Southern Michigan Bancorp has $69.50M in cash and marketable securities with $117.98M in debt, giving a net cash position of -$48.49M billion.
Cash & Marketable Securities$69.50M
Total Debt$117.98M
Net Cash-$48.49M
Net Cash Per Share-$10.58
Tangible Book Value Per Share$20.30
Margins
Gross margin is 71.59%, with operating margin of 33.64%, and net profit margin of 21.42%.
Gross Margin71.59%
Operating Margin33.64%
Pretax Margin25.00%
Net Profit Margin21.42%
EBITDA Margin25.00%
EBIT Margin25.00%
Analyst Forecast
The average price target for Southern Michigan Bancorp is $26.00, which is 11.43% higher than the current price. The consensus rating is Moderate Buy
Price Target$26.00
Price Target Upside4.00% Upside
Analyst ConsensusModerate Buy
Analyst Count0
Revenue Growth Forecast9.89%
EPS Growth Forecast9.16%