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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 Ratios and Metrics

Millions USD. Fiscal year is Jan - Dec.

Total Valuation

Fiscal Year
CurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Oct '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Market Capitalization
13311188718791
Market Cap Growth
15.51%26.42%22.91%-18.10%-3.99%16.23%
Last Close Price
28.7023.4318.2214.5217.0617.47

Price Ratios

Fiscal Year
CurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Oct '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
PE Ratio
10.879.098.456.566.477.73
PS Ratio
2.312.061.811.531.932.23
PB Ratio
1.060.910.820.731.010.93
P/FCF Ratio
-5.4830.819.058.845.78
P/OCF Ratio
-5.0211.214.405.945.51

Financial Efficiency

Fiscal Year
CurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Oct '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Debt / Equity Ratio
1.061.131.151.501.040.81
Debt / FCF Ratio
-6.7843.0718.599.085.01
Net Debt / Equity Ratio
0.400.220.450.750.16-0.41
Net Debt / FCF Ratio
-1.3217.009.291.37-2.54
Return on Equity (ROE)
10.27%10.68%10.15%11.85%14.67%12.33%
Return on Assets (ROA)
0.76%0.77%0.71%0.81%1.11%1.09%

Yields

Fiscal Year
CurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Oct '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Earnings Yield
9.24%11.00%11.84%15.25%15.46%12.93%
FCF Yield
-18.24%3.25%11.06%11.31%17.31%
Dividend Yield
2.37%2.66%3.13%3.55%2.69%2.38%
Payout Ratio
25.75%23.81%25.86%22.93%17.18%18.50%
Buyback Yield / Dilution
-1.35%-1.84%-0.38%0.08%0.14%1.18%
Total Shareholder Return
1.02%0.83%2.75%3.64%2.83%3.56%