Southern Michigan Bancorp (SOMC) AI Stock Analysis

• Market Cap: $116.91M
• Dividend Yield: 2.58%
• Average Volume (3M): 464.00
• Price to Earnings (P/E): 9.5
• Beta (1Y): 0.28
• Revenue Growth: 9.15%
• EPS Growth: 15.23%
• Country: US
• Employees: 173
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.63
• Shares Outstanding: 4,584,752
• 10 Day Avg. Volume: 819
• 30 Day Avg. Volume: 464
• PEG Ratio: 0.56
• Price to Book (P/B): 0.91
• Price to Sales (P/S): 1.19
• P/FCF Ratio: 5.46
• Enterprise Value/Market Cap: 1.21
• Enterprise Value/Revenue: 2.02
• Enterprise Value/Gross Profit: 2.31
• Enterprise Value/Ebitda: 10.59
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 73 Outperform
• Price Target: $28.00 ▲(17.89% Upside)
• Action: Upgraded Date: 03/26/26
• Date: Action: Upgraded 03/26/26

The score is driven primarily by solid financial performance (notably 2025 revenue and cash-flow improvement) and an attractive valuation (low P/E with a dividend). Technicals are supportive overall, though near-term momentum looks somewhat stretched due to a high stochastic reading.

Positive Factors

Revenue & Cash Generation

A 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.

Negative Factors

Margin Compression

A 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.

Southern Michigan Bancorp Business Overview & Revenue Model

Company Description

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 south...

Read more

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 south...

How the Company Makes Money

Southern Michigan Bancorp makes money primarily through its bank subsidiary by generating net interest income and noninterest income. Net interest income is earned from the spread between interest and fees collected on loans and other interest-ear...

Read more

Southern Michigan Bancorp makes money primarily through its bank subsidiary by generating net interest income and noninterest income. Net interest income is earned from the spread between interest and fees collected on loans and other interest-ear...

Southern Michigan Bancorp Financial Statement Overview

Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	70.11M	93.17M	48.56M	46.81M	51.51M	46.15M
Gross Profit	61.36M	54.06M	48.56M	73.31M	51.51M	46.15M
EBITDA	13.36M	14.39M	12.14M	-782.00K	17.48M	15.51M
Net Income	11.52M	12.21M	10.40M	10.90M	13.49M	11.76M
Balance Sheet
Total Assets	1.57B	1.69B	1.50B	1.42B	1.28B	1.16B
Cash, Cash Equivalents and Short-Term Investments	0.00	110.38M	69.50M	73.09M	75.70M	117.85M
Total Debt	132.66M	134.08M	117.98M	146.54M	89.25M	77.92M
Total Liabilities	1.46B	1.57B	1.39B	1.32B	1.19B	1.07B
Stockholders Equity	113.71M	121.48M	107.22M	97.83M	86.16M	97.75M
Cash Flow
Free Cash Flow	0.00	20.26M	2.85M	7.90M	8.36M	9.90M
Operating Cash Flow	0.00	22.11M	7.84M	16.24M	13.19M	13.68M
Investing Cash Flow	0.00	-157.40M	-76.58M	-141.57M	-179.38M	-148.72M
Financing Cash Flow	0.00	175.92M	66.36M	119.69M	124.06M	154.82M

Southern Michigan Bancorp Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 23.75
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For SOMC, the sentiment is Positive. The current price of 23.75 is below the 20-day moving average (MA) of 25.03, below the 50-day MA of 25.01, and above the 200-day MA of 23.74, indicating a bullish trend. The MACD of 0.01 indicates Positive momentum. The RSI at 58.34 is Neutral, neither overbought nor oversold. The STOCH value of 68.82 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for SOMC.

Southern Michigan Bancorp Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
MGYR	75 Outperform	$114.47M	8.58	9.18%	1.81%	12.08%	27.88%
SOMC	73 Outperform	$116.91M	9.53	10.68%	2.58%	9.15%	15.23%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
RVSB	60 Neutral	$117.43M	18.92	2.98%	1.51%	8.77%	369.81%
SRBK	59 Neutral	$132.56M	35.78	1.57%	0.88%	9.43%	166.36%
UNB	53 Neutral	$112.86M	9.78	14.80%	6.08%	14.52%	27.90%
BSBK	50 Neutral	$111.75M	51.05	1.50%	―	-15.09%	―