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Southern Michigan Bancorp(OTC) SOMC

Market Cap$146.21MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Since IPO (1995)+1,253%
5 Year+95%
1 Year+41%
1 Month+0%
$31.89
+0.03%
+0.01Today
Southern Michigan Bancorp last closing stock price
MetricPriceDate
Last closeUSD 31.892026-07-31
Southern Michigan Bancorp stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week+3.91%USD 30.692026-07-22
1 month+0.19%USD 31.832026-06-29
3 month+14.5%USD 27.852026-04-30
Year to date+35.3%USD 23.572025-12-29
1 year+40.68%USD 22.672025-07-31
3 year+90.82%USD 16.712023-08-01
5 year+94.62%USD 16.392021-07-30
Since inception+1,252.7%USD 2.361995-08-18

Southern Michigan Bancorp Financials at a Glance

Market Cap

$146.21MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Revenue (TTM)

$96.16M

Net Income (TTM)

$12.32M

EPS (TTM)

$2.65

P/E Ratio

12.02

Dividend

$0.66

Beta (Volatility)

0.08 (Low)

Price

$31.89

Volume

1,226

Open

$30.00

Previous Close

$31.89

Daily Range

$30.00 - $31.89

52-Week Range

$22.00 - $32.00

Estimated Earnings Date

Jul 29, 2026

SOMC News

No articles available.

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About Southern Michigan Bancorp

Southern Michigan Bancorp, Inc. operates as the bank holding company for Southern Michigan Bank & Trust, providing a wide range of commercial banking services. The company primarily serves individuals, businesses, and governmental agencies in southwest Michigan, focusing on community-oriented banking solutions.

Products and Services
  • Comprehensive deposit offerings including checking, savings, and CDs
  • Diverse lending solutions such as home mortgages, auto loans, and business financing
  • Investment and trust services, including wealth management and estate planning
Growth Outlook
  • Recent quarterly revenue reached $24.4 million, indicating strong demand for banking services
  • Net income for Q1 2026 was $3.3 million, reflecting effective cost management
  • Consistent growth in total assets, now at $1.7 billion, supports future expansion
Financial Highlights
  • Trailing twelve-month revenue of $96.5 million demonstrates solid performance
  • Dividend yield of 2.15% offers attractive returns for investors
  • Price-to-earnings ratio of 11.41 suggests potential undervaluation compared to peers
Southern Michigan Bancorp, Inc. has established a strong presence in the regional banking sector, focusing on community needs and providing tailored financial solutions. The company's diverse product offerings and commitment to customer service position it well for continued growth. Recent financial performance highlights, including a significant increase in revenue and net income, underscore the effectiveness of its operational strategies. With a solid asset base and a competitive dividend yield, Southern Michigan Bancorp, Inc. presents an appealing opportunity for investors interested in regional banking.
AI Generated • Jul 28, 2026

Industry

Banks

Sector

Financials

Employees

258

CEO

John R. Waldron

Website

www.smb-t.com

Headquarters

Coldwater, MI 49036, US

SOMC Financials

Key Financial Metrics (TTM)

Gross Margin

58.54%

Operating Margin

15.10%

Net Income Margin

12.82%

Return on Equity

10.09%

Return on Capital

5.63%

Return on Assets

0.73%

Earnings Yield

8.32%

Dividend Yield

2.07%

Payout Ratio

0.00%

Stock Overview

Market Cap

$146.21MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Shares Outstanding

4.58M

Volume

1.23K

Avg. Volume

561.683

Financials (TTM)

Gross Profit

$56.29M

Operating Income

$14.52M

EBITDA

$14.52M

Operating Cash Flow

$0.00

Capital Expenditure

$0.00

Free Cash Flow

$0.00

Cash & ST Invst.

$81.18M

Total Debt

$133.51M

Southern Michigan Bancorp Performance Analysis

Southern Michigan Bancorp annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20222022-12-31USD 51,514,00011.6%
20232023-12-31USD 73,306,00042.3%
20242024-12-31USD 84,607,00015.4%
20252025-12-31USD 93,175,00010.1%
Southern Michigan Bancorp sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q32025-09-3071.3%
Q42025-12-311.9%
Q12026-03-310.3%
Q22026-06-30-3.6%
Southern Michigan Bancorp annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20222022-12-31USD 2.9714.9%
20232023-12-31USD 2.40-19.1%
20242024-12-31USD 2.28-5.0%
20252025-12-31USD 2.6315.3%
Southern Michigan Bancorp sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q32025-09-30-7.1%
Q42025-12-31-4.6%
Q12026-03-3114.5%
Q22026-06-30-7.0%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q2 2026YOY CHG

Revenue

$23.53M

+68.7%

Gross Profit

$14.50M

+4.0%

Gross Margin

61.64%

N/A

Market Cap

$146.21MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

N/A

Market Cap/Employee

$566.70K

N/A

Employees

258

N/A

Net Income

$3.09M

-4.7%

EBITDA

$3.68M

-4.4%

Quarterly Fundamentals

Name
Q2 2026YOY CHG

Total Cash

$81.18M

+37.2%

Total Debt

$133.51M

+0.6%

Accounts Receivable

$0.00

N/A

Inventory

$0.00

N/A

Long Term Debt

$132.73M

+0.1%

Short Term Debt

$787.00K

N/A

Return on Assets

0.73%

N/A

Return on Invested Capital

0.86%

N/A

Free Cash Flow

$0.00

N/A

Operating Cash Flow

$0.00

N/A

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Questions About SOMC

What is the current price of Southern Michigan Bancorp?

Southern Michigan Bancorp is trading at $31.89 per share.

What is the 52-week range for Southern Michigan Bancorp?

Over the past 52 weeks, Southern Michigan Bancorp has traded between $22.00 and $32.00.

How much debt does Southern Michigan Bancorp have?

As of the most recent reporting period, Southern Michigan Bancorp reported total debt of $133.51M.

How much cash does Southern Michigan Bancorp have on hand?

Southern Michigan Bancorp does not have cash on hand data available.

What is Southern Michigan Bancorp’s dividend yield?

Southern Michigan Bancorp currently has a dividend yield of 2.07%.

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