SOMC

Southern Michigan Bancorp Inc

SOMC, USA

Southern Michigan Bancorp, Inc. operates as the bank holding company for Southern Michigan Bank & Trust that provides a range of commercial banking services to individuals, businesses, institutions, and governmental agencies primarily in the southwest and south-central Michigan communities. Its deposit products include interest and non-interest checking, savings, and various types of money market accounts; time, savings, and demand deposits; and certificates of deposit. The company also provides home mortgages and equity loans, home equity lines of credit, and auto/personal loans; business loans, such as lines of credit, term loans, commercial real estate loans, commercial and industrial loans, agriculture loans, letters of credit, small business administration loans, and capital access loans; industrial, construction, real estate, and inventory loans; and consumer lending products comprising direct and indirect loans to purchasers of residential real property and consumer goods. In addition, it offers trust and investment services that include investment management, trustee, IRA rollovers and retirement plans, institutional and personal custody, estate settlement, wealth management, estate and wealth transfer planning assistance, charitable gift planning assistance, and cash management custody services, as well as safe deposit box and automated teller machine services. Further, the company provides treasury services, such as cash management, ACH services, business bill pay, e-statements, merchant services, payroll cards, positive pay, remote deposit capture, and wire transfers, as well as ATM, debit, credit, pay, prepaid, and gift cards; municipal, online, and mobile banking; life insurance; and bill payment and fraud protection services. The company was founded in 1871 and is based in Coldwater, Michigan.

https://www.smb-t.com

Stock Price

$0.00

0%

decrease compared to yesterday.

Dividend

Frequency:

Quarterly

Rate:

0.16

Next Payout:

Jan 23, 2026

Yield:

2.6122 %
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SOMC

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Finn Analysis

(Last Updated 2025-09-30)

Health Score

Price to Earnings Ratio (P/E)

-

Very High

9.60

Low ≥ 50

High ≤ 10

Price to Book Ratio (P/B)

-

Very Low

0.97

Low ≤ 1

High ≥ 3

Return on Equity (ROE)

-

Very Low

2.56 %

Low ≤ 5%

High ≥ 25%

Return on Assets (ROA)

-

Very Low

0.18 %

Low ≤ 2%

High ≥ 10%

Debt to Equity

-

Very Low

13.14

Low ≥ 1

High ≤ 0.3

Investors

* Institutions hold a combined 0.00% of the total shares of Southern Michigan Bancorp Inc

* Investors data is estimated based on stocks listed on Finnton that are currently held by Institution/Fund.

Earnings History

EPS ActualEPS EstimateEPS DifferenceSurprise Percent

Upcoming Earnings Release

Date

2025-12-31

EPS Estimate

—

Latest Release

Date

2025-09-30

EPS Actual

0.65

EPS Estimate

—

EPS Difference

0

Surprise Percent

0%

Investing Fit Scorecard

(Last Updated 2025-09-30)

Deep Value
Potential Value Candidate(5)
Defensive
Moderately Defensive(5)
Dividend
Weak Dividend Profile(2)
Economic Moat
Some Competitive Advantage(5.3)
GARP
Not Attractive for GARP(3)
Growth
Moderate Growth(3.5)
Momentum
Moderate Momentum(4)
Net Net
Not Undervalued (Net-Net)(2)
Quality
Low Quality Business(2.5)
Value
Undervalued(6.5)

Income Statement

(Last Updated 2025-09-30)

Revenue

$ 0

Cost Of Revenue

$ 0

Gross Profit

$ 0

Operating Expenses

$ 0

Operating Income

$ 0

Interest Expense

$ 0

Pretax Income

$ 0

Net Income

$ 0

Income Tax Expense

$ 0

EBITDA

$ 0

Total Other Income Expense Net

$ 0

Earnings Per Share

0

Dividends Per Share

0

Shares Outstanding

0

Operating Margin

0%

Trend

Balance Sheet

(Last Updated 2025-09-30)

Cash

$ 0

Short Term Investments

$ 0

Receivables

$ 0

Inventories

$ 0

Total Current Assets

$ 0

Property Plant Equipment

$ 0

Total Assets

$ 0

Payables

$ 0

Short Term Debt

$ 0

Long Term Debt

$ 0

Total Liabilities

$ 0

Equity

$ 0

Trend

Cash Flow

(Last Updated 2025-09-30)

Net Income

$ 0

Depreciation

$ 0

Change In Working Capital

$ 0

Cash From Operations

$ 0

Capital Expenditures

$ 0

Cash From Investing

$ 0

Cash From Financing

$ 0

Net Change In Cash

$ 0

Trend

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