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Southern Michigan Bancorp, Inc. SOMC OTC

Other OTC • Financial Services • Banks - Regional • US • USD

SharesGrow Score

SharesGrow Intrinsic Value

Negative cash flow

Southern Michigan Bancorp, Inc. (SOMC) is a Banks - Regional company in the Financial Services sector, currently trading at $25.44. It has a SharesGrow Score of 64/100, indicating a above average investment profile with 2 out of 7 criteria passed.

Financials: revenue is $93M, +28.8%/yr average growth. Net income is $12M, growing at -2.1%/yr. Net profit margin is 13.1% (healthy). Gross margin is 58% (-42 pp trend).

Balance sheet: total debt is $134M against $121M equity (Debt-to-Equity (D/E) ratio 1.1, moderate). Current ratio is 79.41 (strong liquidity). Debt-to-assets is 7.9%. Total assets: $1.7B.

SharesGrow 7-Criteria breakdown: Value 100/100 (Pass), Growth 58/100 (Partial), Past 100/100 (Pass), Health 50/100 (Partial), Moat 35/100 (Fail), Future ?/100 (Fail), Income 55/100 (Partial).

SOMC SharesGrow Score Overview

66/100

SharesGrow Score

Above average fundamentals

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VALUE 100/100

Valuation — P/E, PEG, Forward PEG

GROWTH 58/100

Financials — average growth

PAST 100/100

strong — trend

HEALTH 50/100

Balance sheet — Debt-to-Equity (D/E) ratio, Current ratio is

MOAT 35/100

Gross margin is + market cap

FUTURE 0/100

Analyst outlook — as buy

INCOME 55/100

Net profit margin is

Scores derived from financial statements, analyst ratings, and balance sheet data.

Score Breakdown — SOMC

SOMC trades at a trailing Price-to-Earnings (P/E) of N/A (S&P 500 average ~25). Composite: Price-to-Earnings (20%) + Forward Price/Earnings-to-Growth (35%) + upside (25%) + trailing PEG (20%). ≥ 60 = Pass.

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SOMC: +28.8%/yr revenue is, -2.1%/yr Net income is average growth. mixed. Score: >20%/yr = 100, >10% = 80, >5% = 65, >0% = 45, < 0 = 15.

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SOMC: 4 / 4 years profitable. strong — 100%. Score = 4 / 4 × 100. ≥ 80 = Pass.

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Balance sheet SOMC: Debt-to-Equity (D/E) ratio 1.1 (moderate), Current ratio is 79.41 (strong liquidity). Debt-to-Equity < 0.5, Current Ratio > 1.5, Interest Coverage > 8x = ideal. ≥ 70 = Pass.

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SOMC: Gross margin is 58% (-42 pp trend), N/A market cap. Moat (0-100): margin (35%) + trend (15%) + market cap (30%) + revenue is (20%). Score 35/100. ≥ 70 = Pass.

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No analyst coverage available for this stock.

SOMC: Net profit margin is 13.1%. thin (5-15%). Score: ≥30% = 100, ≥20% = 85, ≥15% = 70, ≥10% = 55, ≥5% = 45, ≥0% = 30, < 0 = 10.

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Stock Chart & Stats

Market Data

52-Week Range17-25.74

Volume400

Avg Volume (30D)1.36K

Market Cap$116.64M

Beta (1Y)0.13

Dividend Yield$0.8100

Share Statistics

EPS (TTM)2.65

Shares Outstanding$4.61M

IPO Date1999-04-26

Employees173

CEOJohn R. Waldron

Financial Highlights & Ratios

Revenue (TTM)$93.18M

Gross Profit$54.06M

EBITDA$14.39M

Net Income$12.22M

Operating Income$14.39M

Total Cash$110.38M

Total Debt$134.08M

Net Debt$24.58M

Total Assets$1.69B

Price / Earnings (P/E)9.6

Price / Sales (P/S)1.25

Analyst Forecast

Company Info

CountryUS

ExchangeOther OTC

CurrencyUSD

ISINUS84336P1030

Price Chart

SOMC

Southern Michigan Bancorp, Inc. ↗ · Other OTC

Financial Services • Banks - Regional

17.00 52WK RANGE 25.74

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