Southern Michigan Bancorp Statistics
Total Valuation
SOMC has a market cap or net worth of 130.38 million.
| Market Cap | 130.38M |
| Enterprise Value | n/a |
Important Dates
The next estimated earnings date is Friday, July 24, 2026.
| Earnings Date | Jul 24, 2026 |
| Ex-Dividend Date | Apr 2, 2026 |
Share Statistics
SOMC has 4.66 million shares outstanding. The number of shares has increased by 1.64% in one year.
| Current Share Class | 4.66M |
| Shares Outstanding | 4.66M |
| Shares Change (YoY) | +1.64% |
| Shares Change (QoQ) | -0.86% |
| Owned by Insiders (%) | n/a |
| Owned by Institutions (%) | 0.18% |
| Float | n/a |
Valuation Ratios
The trailing PE ratio is 10.45.
| PE Ratio | 10.45 |
| Forward PE | n/a |
| PS Ratio | 2.35 |
| PB Ratio | 1.06 |
| P/TBV Ratio | 1.19 |
| P/FCF Ratio | n/a |
| P/OCF Ratio | n/a |
| PEG Ratio | n/a |
Enterprise Valuation
| EV / Earnings | n/a |
| EV / Sales | n/a |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | n/a |
Financial Position
| Current Ratio | n/a |
| Quick Ratio | n/a |
| Debt / Equity | n/a |
| Debt / EBITDA | n/a |
| Debt / FCF | n/a |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 10.69%.
| Return on Equity (ROE) | 10.69% |
| Return on Assets (ROA) | 0.76% |
| Return on Invested Capital (ROIC) | n/a |
| Return on Capital Employed (ROCE) | n/a |
| Weighted Average Cost of Capital (WACC) | 2.59% |
| Revenue Per Employee | 215,167 |
| Profits Per Employee | 48,353 |
| Employee Count | 258 |
| Asset Turnover | n/a |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, SOMC has paid 2.21 million in taxes.
| Income Tax | 2.21M |
| Effective Tax Rate | 15.06% |
Stock Price Statistics
The stock price has increased by +50.91% in the last 52 weeks. The beta is 0.18, so SOMC's price volatility has been lower than the market average.
| Beta (5Y) | 0.18 |
| 52-Week Price Change | +50.91% |
| 50-Day Moving Average | 25.53 |
| 200-Day Moving Average | 21.96 |
| Relative Strength Index (RSI) | 81.71 |
| Average Volume (20 Days) | 2,444 |
Short Selling Information
| Short Interest | n/a |
| Short Previous Month | n/a |
| Short % of Shares Out | n/a |
| Short % of Float | n/a |
| Short Ratio (days to cover) | n/a |
Income Statement
In the last 12 months, SOMC had revenue of 55.51 million and earned 12.48 million in profits. Earnings per share was 2.68.
| Revenue | 55.51M |
| Gross Profit | 55.51M |
| Operating Income | 15.44M |
| Pretax Income | 14.69M |
| Net Income | 12.48M |
| EBITDA | n/a |
| EBIT | n/a |
| Earnings Per Share (EPS) | 2.68 |
Balance Sheet
The company has 87.82 million in cash and 133.83 million in debt, with a net cash position of -46.01 million or -9.88 per share.
| Cash & Cash Equivalents | 87.82M |
| Total Debt | 133.83M |
| Net Cash | -46.01M |
| Net Cash Per Share | -9.88 |
| Equity (Book Value) | 123.00M |
| Book Value Per Share | 26.41 |
| Working Capital | -1.36B |
Cash Flow
| Operating Cash Flow | n/a |
| Capital Expenditures | n/a |
| Depreciation & Amortization | n/a |
| Net Borrowing | n/a |
| Free Cash Flow | n/a |
| FCF Per Share | n/a |
Margins
| Gross Margin | n/a |
| Operating Margin | 27.81% |
| Pretax Margin | 26.46% |
| Profit Margin | 22.47% |
| EBITDA Margin | n/a |
| EBIT Margin | n/a |
| FCF Margin | n/a |
Dividends & Yields
This stock pays an annual dividend of 0.64, which amounts to a dividend yield of 2.29%.
| Dividend Per Share | 0.64 |
| Dividend Yield | 2.29% |
| Dividend Growth (YoY) | 6.56% |
| Years of Dividend Growth | 15 |
| Payout Ratio | n/a |
| Buyback Yield | -1.64% |
| Shareholder Yield | 0.65% |
| Earnings Yield | 9.57% |
| FCF Yield | n/a |
Fair Value
There are several formulas that can be used to estimate the intrinsic value of a stock.
| Lynch Fair Value | |
| Lynch Upside | |
| Graham Number | |
| Graham Upside |
Stock Splits
The last stock split was on May 17, 2021. It was a forward split with a ratio of 2.
| Last Split Date | May 17, 2021 |
| Split Type | Forward |
| Split Ratio | 2 |
Scores
| Altman Z-Score | n/a |
| Piotroski F-Score | 2 |