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Southern Michigan Bancorp, Inc. (SOMC)
OTCMKTS · Delayed Price · Currency is USD
28.70
-0.10 (-0.35%)
Oct 19, 2026, 2:00 PM EST

Southern Michigan Bancorp Financials Overview

Millions USD. Fiscal year is Jan - Dec.

Revenue & Profits
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Revenue
57.7654.0648.5646.7745.2140.83
Revenue Growth
11.50%11.32%3.84%3.45%10.71%25.74%
Net Income
12.3212.2210.410.9113.4911.76
Earnings Per Share
2.642.632.282.402.972.58
EPS Growth
5.58%15.35%-5.00%-19.19%15.12%60.82%

Cash & Debt
Chart
Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Cash & Investments
83.43110.4974.3673.4276.15118.77
Total Debt
133.51137.3122.83146.8789.778.84
Net Cash (Debt)
-50.09-26.81-48.48-73.45-13.5539.93
Net Cash Growth
------13.75%
Net Cash Per Share
-10.74-5.78-10.63-16.17-2.988.77

Cash Flow & CapEx
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Operating Cash Flow
-22.117.8416.2414.7116.51
Capital Expenditures
--1.85-4.98-8.34-4.83-0.78
Free Cash Flow
-20.262.857.99.8715.74
Free Cash Flow Growth
-610.31%-63.91%-19.96%-37.26%48.16%

Margins
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Profit Margin
21.34%22.60%21.42%23.32%29.84%28.79%
FCF Margin
-37.47%5.87%16.90%21.84%38.54%

Dividends
Chart
Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingOct '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Dividend Per Share
0.6800.6400.6000.5600.5200.480
Dividend Per Share Growth
6.35%6.67%7.14%7.69%8.33%4.35%
Dividend Yield
2.37%2.66%3.13%3.55%2.69%2.38%

Valuation
Chart
Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingOct '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
PE Ratio
10.879.098.456.566.477.73
P/FCF Ratio
-5.4830.819.058.845.78
PS Ratio
2.312.061.811.531.932.23