Sturgis Bancorp Inc (STBI)

OTHER OTC:STBI

STBI

Sturgis Bancorp

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Sturgis Bancorp (STBI) Price & Analysis

8 Followers

STBI Stock Chart & Stats

$19.78

$0.10(0.55%)

At close: Jan 06 4:00 PM EST

$19.78

$0.10(0.55%)

Day’s Range― - ―

52-Week Range$16.75 - $25.00

Previous CloseN/A

Volume1.70K

Average Volume (3M)920.00

Market Cap

$58.05M

Enterprise Value$71.54M

Total Cash (Recent Filing)$115.53M

Total Debt (Recent Filing)$30.64M

Price to Earnings (P/E)5.8

Beta0.09

Next Earnings

Apr 29, 2026

EPS EstimateN/A

Next Dividend Ex-DateN/A

Dividend Yield3.27%

Share Statistics

EPS (TTM)0.93

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 Cap1.23

Enterprise Value/Revenue1.26

Enterprise Value/Gross Profit1.84

Enterprise Value/Ebitda9.01

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

Bulls Say, Bears Say

Bulls Say

Stronger Capital PositionMaterial de-leveraging to ~0.49x debt-to-equity and ROE recovery to ~11.8% indicate the bank rebuilt capital and profitability. A stronger capital base increases loss-absorption, supports regulatory compliance, and enables measured lending growth without relying heavily on external funding.

Consistent Revenue GrowthMulti-year top-line growth through 2025 shows durable demand for core deposit and loan services. Persistent revenue expansion supports scaling of franchise economics, funds reinvestment in branches/digital channels, and creates room for sustainable margin improvements over business cycles.

Improved Cash GenerationStrengthened operating cash and FCF in 2025 with historically reasonable cash conversion (0.56x–0.86x) support dividend payments and organic capital needs. Reliable cash generation reduces dependence on external financing and underpins strategic investments and loan originations.

Bears Say

Profitability VolatilityRepeated swings in margins and FCF reduce predictability of earnings and cash available for dividends or capital. For a regional bank, volatile profitability complicates credit provisioning and strategic planning, making sustained investor confidence and long-term planning harder.

Prior Leverage SwingsLarge historical swings in leverage suggest prior reliance on higher debt levels and potential funding agility risks. Such volatility in capital structure implies management must consistently defend capital ratios, and a reversal could reintroduce funding cost and regulatory pressures.

Concentrated Regional FootprintA local/regional business model limits geographic diversification and exposes earnings to regional economic cycles. Scale constraints can hinder product breadth and technology investment versus larger peers, increasing competitive pressure from big banks and fintech entrants over time.

STBI FAQ

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

Sturgis Bancorp Inc lowest stock price was $16.75 and its highest was $25.00 in the past 12 months.

What is Sturgis Bancorp Inc’s market cap?

Sturgis Bancorp Inc’s market cap is $58.05M.

When is Sturgis Bancorp Inc’s upcoming earnings report date?

Sturgis Bancorp Inc’s upcoming earnings report date is Apr 29, 2026 which is in 19 days.

How were Sturgis Bancorp Inc’s earnings last quarter?

Sturgis Bancorp Inc released its earnings results on Feb 26, 2026. The company reported $0.927 earnings per share for the quarter, beating the consensus estimate of N/A by $0.927.

Is Sturgis Bancorp Inc overvalued?

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

Does Sturgis Bancorp Inc pay dividends?

Sturgis Bancorp Inc pays a Quarterly dividend of $0.17 which represents an annual dividend yield of 3.27%. See more information on Sturgis Bancorp Inc dividends here

What is Sturgis Bancorp Inc’s EPS estimate?

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

How many shares outstanding does Sturgis Bancorp Inc have?

Sturgis Bancorp Inc has 2,444,000 shares outstanding.

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

Sturgis Bancorp Inc reported an EPS of $0.927 in its last earnings report, beating expectations of N/A. Following the earnings report the stock price went up 1.012%.

Which hedge fund is a major shareholder of Sturgis Bancorp Inc?

Currently, no hedge funds are holding shares in STBI

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

Sturgis Bancorp Stock Smart Score

Neutral

Technicals

Fundamentals

Return on Equity

12.41%

Trailing 12-Months

Asset Growth

4.42%

Trailing 12-Months

Top Smart Score Stocks >

Company Description

Sturgis Bancorp Inc

Sturgis Bancorp, Inc. operates as the bank holding company for Sturgis Bank & Trust Company that provides banking products and services in Michigan, the United States. The company offers checking, savings and health savings, and money market accounts; and certificates of deposit and individual retirement accounts. It also provides mortgage, automobile, savings secured, personal, home equity, equipment and machinery, government supported, and commercial real estate loans, as well as home equity lines of credit and business lines of credit; and credit cards. In addition, the company offers private banking, cashier checks, wire transfers, foreign drafts and foreign currency, overdraft protection, night depository, and notary services, as well as safe deposit boxes and residential mortgages. Further, it provides direct deposit, remote deposit capture, Visa check card, and checks reorder services; and investment and financial-advisory services, as well as commercial and consumer insurance and title insurance products. Additionally, the company offers estate and asset management services, such as estate settlements, trust administration, record keeping, investment management, and custody services; cash and treasury management; and online and mobile banking, bill pay, and mobile wallet services. It operates through 14 bank facilities and 4 full service standalone ATMs located in 12 communities in Michigan. Sturgis Bancorp, Inc. was founded in 1905 and is headquartered in Sturgis, Michigan.