Southern Michigan Bancorp Statistics
Total Valuation
SOMC has a market cap or net worth of 118.50 million.
| Market Cap | 118.50M |
| Enterprise Value | n/a |
Important Dates
The last earnings date was Friday, February 13, 2026.
| Earnings Date | Feb 13, 2026 |
| Ex-Dividend Date | Apr 2, 2026 |
Share Statistics
SOMC has 4.66 million shares outstanding. The number of shares has increased by 1.84% in one year.
| Current Share Class | 4.66M |
| Shares Outstanding | 4.66M |
| Shares Change (YoY) | +1.84% |
| Shares Change (QoQ) | +1.12% |
| Owned by Insiders (%) | n/a |
| Owned by Institutions (%) | 0.18% |
| Float | n/a |
Valuation Ratios
The trailing PE ratio is 9.67.
| PE Ratio | 9.67 |
| Forward PE | n/a |
| PS Ratio | 2.19 |
| PB Ratio | 0.98 |
| P/TBV Ratio | 1.10 |
| P/FCF Ratio | 5.85 |
| P/OCF Ratio | 5.36 |
| 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 | 6.78 |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 10.68%.
| Return on Equity (ROE) | 10.68% |
| Return on Assets (ROA) | 0.77% |
| Return on Invested Capital (ROIC) | n/a |
| Return on Capital Employed (ROCE) | n/a |
| Weighted Average Cost of Capital (WACC) | 2.30% |
| Revenue Per Employee | 209,539 |
| Profits Per Employee | 47,345 |
| Employee Count | 258 |
| Asset Turnover | n/a |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, SOMC has paid 2.18 million in taxes.
| Income Tax | 2.18M |
| Effective Tax Rate | 15.12% |
Stock Price Statistics
The stock price has increased by +35.68% in the last 52 weeks. The beta is 0.13, so SOMC's price volatility has been lower than the market average.
| Beta (5Y) | 0.13 |
| 52-Week Price Change | +35.68% |
| 50-Day Moving Average | 24.97 |
| 200-Day Moving Average | 21.51 |
| Relative Strength Index (RSI) | 56.50 |
| Average Volume (20 Days) | 1,916 |
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) | 0.06 |
Income Statement
In the last 12 months, SOMC had revenue of 54.06 million and earned 12.22 million in profits. Earnings per share was 2.63.
| Revenue | 54.06M |
| Gross Profit | 54.06M |
| Operating Income | 15.14M |
| Pretax Income | 14.39M |
| Net Income | 12.22M |
| EBITDA | n/a |
| EBIT | n/a |
| Earnings Per Share (EPS) | 2.63 |
Balance Sheet
The company has 110.49 million in cash and 137.30 million in debt, with a net cash position of -26.81 million or -5.76 per share.
| Cash & Cash Equivalents | 110.49M |
| Total Debt | 137.30M |
| Net Cash | -26.81M |
| Net Cash Per Share | -5.76 |
| Equity (Book Value) | 121.48M |
| Book Value Per Share | 26.27 |
| Working Capital | -1.30B |
Cash Flow
In the last 12 months, operating cash flow was 22.11 million and capital expenditures -1.85 million, giving a free cash flow of 20.26 million.
| Operating Cash Flow | 22.11M |
| Capital Expenditures | -1.85M |
| Depreciation & Amortization | n/a |
| Net Borrowing | 14.83M |
| Free Cash Flow | 20.26M |
| FCF Per Share | 4.35 |
Margins
| Gross Margin | n/a |
| Operating Margin | 28.01% |
| Pretax Margin | 26.62% |
| Profit Margin | 22.59% |
| EBITDA Margin | n/a |
| EBIT Margin | n/a |
| FCF Margin | 37.47% |
Dividends & Yields
This stock pays an annual dividend of 0.64, which amounts to a dividend yield of 2.52%.
| Dividend Per Share | 0.64 |
| Dividend Yield | 2.52% |
| Dividend Growth (YoY) | 6.56% |
| Years of Dividend Growth | 15 |
| Payout Ratio | 23.81% |
| Buyback Yield | -1.84% |
| Shareholder Yield | 0.68% |
| Earnings Yield | 10.31% |
| FCF Yield | 17.10% |
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 | 4 |