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Sturgis Bancorp, Inc. STBI OTC

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

SharesGrow Score

SharesGrow Intrinsic Value

Negative cash flow

Sturgis Bancorp, Inc. (STBI) is a Banks - Regional company in the Financial Services sector, currently trading at $23.73. It has a SharesGrow Score of 71/100, indicating a above average investment profile with 3 out of 7 criteria passed.

Financials: revenue is $59M, +26.2%/yr average growth. Net income is $7M, growing at +33.7%/yr. Net profit margin is 12.6% (healthy). Gross margin is 71.8% (-28.2 pp trend).

Balance sheet: total debt is $31M against $63M equity (Debt-to-Equity (D/E) ratio 0.49, conservative). Debt-to-assets is 3.1%. Total assets: $999M.

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

STBI SharesGrow Score Overview

73/100

SharesGrow Score

Above average fundamentals

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VALUE 100/100

Valuation — P/E, PEG, Forward PEG

GROWTH 100/100

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 — STBI

STBI 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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STBI: +26.2%/yr revenue is, +33.7%/yr Net income is average growth. > 5%/yr — strong. Score: >20%/yr = 100, >10% = 80, >5% = 65, >0% = 45, < 0 = 15.

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

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Balance sheet STBI: Debt-to-Equity (D/E) ratio 0.49 (conservative), Current ratio is N/A. Debt-to-Equity < 0.5, Current Ratio > 1.5, Interest Coverage > 8x = ideal. ≥ 70 = Pass.

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STBI: Gross margin is 71.8% (-28.2 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.

STBI: Net profit margin is 12.6%. 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 Range16.75-25

Volume687

Avg Volume (30D)928

Market Cap$51.46M

Beta (1Y)0.10

Dividend Yield$0.6900

Share Statistics

EPS (TTM)3.45

Shares Outstanding$2.16M

IPO Date1999-04-26

Employees118

CEOJason J. Hyska

Financial Highlights & Ratios

Revenue (TTM)$59.13M

Gross Profit$42.44M

EBITDA$9.19M

Net Income$7.46M

Operating Income$9.19M

Total Cash$10.65M

Total Debt$30.68M

Net Debt$20.04M

Total Assets$998.66M

Price / Earnings (P/E)6.9

Price / Sales (P/S)0.87

Analyst Forecast

Company Info

CountryUS

ExchangeOther OTC

CurrencyUSD

ISINUS8640871013

Price Chart

STBI

Sturgis Bancorp, Inc. ↗ · Other OTC

Financial Services • Banks - Regional

16.75 52WK RANGE 25.00

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