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Southern Michigan Bancorp(OTC) SOMC

Market Cap$146.39MMarket 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)+1,236%
5 Year+87%
1 Year+29%
1 Month-1%
$31.49
+0.00%
+0.00Today
Southern Michigan Bancorp last closing stock price
MetricPriceDate
Last closeUSD 31.492026-09-14
Southern Michigan Bancorp stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week+0%USD 31.492026-09-04
1 month-0.82%USD 31.752026-08-14
3 month+2.12%USD 30.842026-06-16
Year to date+33.6%USD 23.572025-12-29
1 year+29.24%USD 24.362025-09-12
3 year+94.58%USD 16.182023-09-15
5 year+86.76%USD 16.862021-09-14
Since inception+1,235.73%USD 2.361995-08-18

Southern Michigan Bancorp Financials at a Glance

Market Cap

$146.39MMarket 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

11.87

Dividend

$0.66

Beta (Volatility)

0.08 (Low)

Price

$31.49

Volume

80

Open

$30.30

Previous Close

$31.49

Daily Range

$30.30 - $31.49

52-Week Range

$23.00 - $32.00

Estimated Earnings Date

Nov 4, 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 of $23.5 million indicates strong operational performance
  • Net income for Q2 2026 reached $3.1 million, showcasing profitability
  • Consistent dividend yield of 2.13% reflects commitment to shareholder returns
Financial Highlights
  • Trailing twelve months (TTM) revenue of $96.5 million demonstrates steady growth
  • Net profit margin of 12.82% indicates effective cost management
  • Return on equity (ROE) of 10.09% highlights efficient use of shareholder funds
Southern Michigan Bancorp, Inc. has established a solid foundation in the regional banking sector, with a focus on community engagement and customer service. The diverse range of products and services caters to various customer needs, from personal banking to business financing. Recent financial performance reflects a positive trajectory, with increasing revenues and profitability. The company's commitment to returning value to shareholders through dividends further enhances its appeal to potential investors. With a strong market presence and a focus on sustainable growth, Southern Michigan Bancorp, Inc. represents a noteworthy opportunity in the regional banking landscape.
AI Generated • Aug 27, 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

8.42%

Dividend Yield

2.10%

Payout Ratio

0.00%

Stock Overview

Market Cap

$146.39MMarket 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

4.65M

Volume

80

Avg. Volume

1.36K

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

$146.39MMarket 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

$567.42K

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 $31.49 per share.

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

Over the past 52 weeks, Southern Michigan Bancorp has traded between $23.00 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 2.10%.

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