Sturgis Bancorp Inc (STBI)
OTHER OTC:STBI
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Sturgis Bancorp
(OTC:STBI)
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Rating:72Outperform
Price Target:
$26.00
▲(31.45% Upside)
Action:ReiteratedDate:03/28/26
The score is driven primarily by improving financial fundamentals (2025 earnings rebound and a notably de-risked balance sheet) and an attractive valuation (low P/E with a ~3% dividend). These positives are tempered by mixed near-term technicals and historical volatility in profitability and free cash flow.
Positive Factors
Stronger capital position
Material 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.
Negative Factors
Profitability volatility
Repeated 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.
Read all positive and negative factors
Positive Factors
Negative Factors
Stronger capital position
Material 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.
Read all positive factors
Sturgis Bancorp (STBI) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$58.17M
Dividend Yield3.27%
Average Volume (3M)920.00
Price to Earnings (P/E)5.8
Beta (1Y)0.09
Revenue Growth7.52%
EPS Growth1332.55%
CountryUS
Employees118
SectorFinancial
Sector Strength70
IndustryBanks - Regional
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
Sturgis Bancorp Business Overview & Revenue Model
Company Description
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 accou...
How the Company Makes Money
Sturgis Bancorp makes money primarily through its bank subsidiary’s core banking activities. (1) Net interest income: The largest earnings driver for most community banks is the spread between interest earned on interest-earning assets (such as co...
Sturgis Bancorp Financial Statement Overview
Summary
Income Statement
74
Positive
Balance Sheet
76
Positive
Cash Flow
63
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 56.66M | 59.13M | 56.11M | 49.03M | 35.38M | 32.88M |
| Gross Profit | 38.79M | 42.44M | 32.80M | 35.49M | 30.89M | 27.69M |
| EBITDA | 7.94M | 9.19M | 3.16M | 9.07M | 9.58M | 9.96M |
| Net Income | 6.60M | 7.46M | 2.83M | 6.02M | 6.62M | 6.34M |
Balance Sheet | ||||||
| Total Assets | 985.00M | 998.66M | 956.39M | 919.47M | 864.80M | 751.74M |
| Cash, Cash Equivalents and Short-Term Investments | 115.53M | 10.64M | 97.87M | 92.67M | 78.14M | 123.15M |
| Total Debt | 30.64M | 30.68M | 76.02M | 54.84M | 85.75M | 103.67M |
| Total Liabilities | 926.46M | 935.41M | 900.98M | 863.70M | 812.26M | 699.30M |
| Stockholders Equity | 58.55M | 63.26M | 55.41M | 55.77M | 52.55M | 52.44M |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 13.88M | 6.55M | 7.81M | 6.78M | 10.41M |
| Operating Cash Flow | 0.00 | 16.24M | 7.62M | 11.05M | 12.04M | 12.63M |
| Investing Cash Flow | 0.00 | -19.55M | -61.38M | -32.99M | -152.45M | -143.38M |
| Financing Cash Flow | 0.00 | 23.91M | 34.55M | 46.97M | 115.87M | 102.43M |
Sturgis Bancorp Technical Analysis
Positive
19.78
Price Trends
23.26
Positive
22.00
Positive
20.44
Positive
Market Momentum
0.07
Positive
51.83
Neutral
58.68
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For STBI, the sentiment is Positive. The current price of 19.78 is below the 20-day moving average (MA) of 23.72, below the 50-day MA of 23.26, and below the 200-day MA of 20.44, indicating a bullish trend. The MACD of 0.07 indicates Positive momentum. The RSI at 51.83 is Neutral, neither overbought nor oversold. The STOCH value of 58.68 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for STBI.
Sturgis Bancorp Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
78 Outperform | $55.96M | 8.12 | 9.28% | 3.21% | 0.32% | 37.93% | |
72 Outperform | $58.17M | 5.77 | 12.41% | 3.27% | 7.52% | 1332.55% | |
68 Neutral | $64.73M | 32.15 | 2.53% | ― | 76.66% | ― | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
64 Neutral | $62.94M | 9.39 | 4.93% | 3.87% | 6.89% | ― | |
64 Neutral | $49.34M | 17.24 | 5.34% | 1.10% | 12.12% | ― |
* Financial Sector Average
STBI
Sturgis Bancorp
23.80
6.86
40.50%
ASRV
Ameriserv Financial
3.71
1.63
78.28%
HFBL
Home Federal Bancorp Of Louisiana
18.20
5.57
44.11%
TCBS
Texas Community
17.10
1.60
10.32%
CLST
Catalyst Bancorp
15.95
4.90
44.34%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.