Southern Michigan Bancorp, Inc.
General ticker "SOMC" information:
- Sector: Financials
- Industry: Banks
- Capitalization: $96.9M (TTM average)
Southern Michigan Bancorp, Inc. follows the US Stock Market performance with the rate: 54.1%.
Estimated limits based on current volatility of 1.3%: low 23.38$, high 23.99$
Factors to consider:
- Company pays dividends (quarterly): last record date 2025-10-06, amount 0.16$ (Y2.67%)
- Total employees count: 187 as of 2012
- Company does not operate outside US (retrieved using AI)
- Top business risk factors: Economic downturns and volatility, Liquidity and credit risks, Lending risk, Environmental liabilities, Cybersecurity threats
- Earnings for 9 months up through Q3 exceed our estimates
Stock Forecast*
* forecast is subjective and experimental, should not be used for any investment decisions
Long term estimates were made for the period from 2024-12-31 to 2026-12-31
- 2024-12-31 to 2025-12-31 estimated range: [17.21$, 23.71$]
- 2025-12-31 to 2026-12-31 estimated range: [18.12$, 25.15$]
Financial Metrics affecting the SOMC estimates:
- Positive: with PPE of 8.4 at the end of fiscal year the price was neutral
- Positive: Operating profit margin, % of 33.64 > 18.64
- Negative: Shareholder equity ratio, % of 7.16 <= 18.93
- Positive: 6.82 < Operating cash flow per share per price, % of 8.92
- Positive: Industry earnings per price (median), % of 6.49 > 4.43
- Positive: Industry operating cash flow per share per price (median), % of 10.66 > 10.33
- Negative: Return on assets ratio (scaled to [-100,100]) of 0.69 <= 1.87
- Positive: Interest expense per share per price, % of 0 <= 0.01
- Negative: Investing cash flow per share per price, % of -87.20 <= -14.38
- Positive: Inventory ratio change, % of 0 <= 0
Short-term SOMC quotes
Long-term SOMC plot with estimates
Financial data
| YTD | 2022-12-31 | 2023-12-31 | 2024-12-31 |
|---|---|---|---|
| Operating Revenue | $51.51MM | $46.81MM | $48.56MM |
| Operating Expenses | $32.36MM | $29.82MM | $32.23MM |
| Operating Income | $19.15MM | $16.99MM | $16.34MM |
| Non-Operating Income | $-3.08MM | $-3.64MM | $-4.20MM |
| Income(Loss) | $16.07MM | $13.35MM | $12.14MM |
| Taxes | $2.58MM | $2.44MM | $1.74MM |
| Profit(Loss)* | $13.49MM | $10.90MM | $10.40MM |
| Stockholders Equity | $86.16MM | $97.83MM | $107.22MM |
| Assets | $1,278.40MM | $1,416.99MM | $1,496.56MM |
| Operating Cash Flow | $13.19MM | $16.24MM | $7.84MM |
| Capital expenditure | $4.83MM | $8.34MM | $4.98MM |
| Investing Cash Flow | $-179.38MM | $-141.57MM | $-76.58MM |
| Financing Cash Flow | $124.06MM | $119.69MM | $66.36MM |
| Earnings Per Share** | $2.98 | $2.40 | $2.28 |
* Profit(Loss) attributable to entity.
** EPS are Split Adjusted, recent splits may be reflected with a delay.