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Southern Michigan Bancorp, Inc. (SOMC)
OTCMKTS · Delayed Price · Currency is USD
29.70
0.00 (0.00%)
Nov 9, 2026, 4:00 PM EST

Southern Michigan Bancorp Financials Overview

Millions USD. Fiscal year is Jan - Dec.

Revenue & Profits
Chart
Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingSep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Revenue
60.2254.0648.5646.7745.2140.83
Revenue Growth
13.27%11.32%3.84%3.45%10.71%25.74%
Net Income
12.5812.2210.410.9113.4911.76
Earnings Per Share
2.682.632.282.402.972.58
EPS Growth
3.45%15.35%-5.00%-19.19%15.12%60.82%

Cash & Debt
Chart
Fiscal Year
CurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingSep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Cash & Investments
157.97110.4974.3673.4276.15118.77
Total Debt
133.88137.3122.83146.8789.778.84
Net Cash (Debt)
24.08-26.81-48.48-73.45-13.5539.93
Net Cash Growth
------13.75%
Net Cash Per Share
5.13-5.78-10.63-16.17-2.988.77

Cash Flow & CapEx
Chart
Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingSep '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 Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingSep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Profit Margin
20.89%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 Year
CurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingNov '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
2.29%2.66%3.13%3.55%2.69%2.38%

Valuation
Chart
Fiscal Year
CurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingNov '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
PE Ratio
11.089.098.456.566.477.73
P/FCF Ratio
-5.4830.819.058.845.78
PS Ratio
2.262.061.811.531.932.23