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Southern Michigan Bancorp, Inc. SOMC

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Price alert · SOMC

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29.55 USD +0.30 +1.03%

At close · Oct 30

29.55 Day range 29.55
23.00 52-week range 32.00
YTD
+23.02%
1 year
+20.61%
Open
29.55
Prev close
29.25
Mkt cap
132.84M
Vol
200
Avg vol
2.17K
EPS
3.53
P/E
8.37
More statistics
Low
29.55
High
29.55

5D chart

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Financial health

Altman Z-Score

0.33 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

5 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

B3 / 5 overall

  • DCF 4
  • Return on Equity 3
  • Return on Assets 2
  • Debt / Equity 2
  • P/E 3
  • P/B 3

Valuation

P/E 9.1×
FY 2016: 11.8×FY 2017: 16.2×FY 2018: 10.8×FY 2019: 10.1×FY 2020: 10.6×FY 2021: 7.8×FY 2022: 6.5×FY 2023: 6.6×FY 2024: 8.4×FY 2025: 9.1×
FY 2016 5y median 7.8× FY 2025
P/S 1.2×
FY 2016: 2.5×FY 2017: 2.8×FY 2018: 2.5×FY 2019: 2.2×FY 2020: 1.9×FY 2021: 2.0×FY 2022: 1.7×FY 2023: 1.5×FY 2024: 1.8×FY 2025: 1.2×
FY 2016 5y median 1.7× FY 2025
P/B 0.9×
FY 2016: 1.0×FY 2017: 1.2×FY 2018: 1.2×FY 2019: 1.0×FY 2020: 0.8×FY 2021: 0.9×FY 2022: 1.0×FY 2023: 0.7×FY 2024: 0.8×FY 2025: 0.9×
FY 2016 5y median 0.9× FY 2025
P/FCF 5.5×
FY 2016: 11.2×FY 2017: 21.4×FY 2018: 8.2×FY 2019: 9.9×FY 2020: 8.4×FY 2021: 9.3×FY 2022: 10.4×FY 2023: 9.1×FY 2024: 30.8×FY 2025: 5.5×
FY 2016 5y median 9.3× FY 2025
EV/EBITDA 9.4×
FY 2016: 8.9×FY 2017: 13.2×FY 2018: 7.6×FY 2019: 6.6×FY 2020: 3.4×FY 2021: 3.3×FY 2022: 5.8×FY 2023: 9.8×FY 2024: 9.7×FY 2025: 9.4×
FY 2016 5y median 9.4× FY 2025
EV/Sales 1.5×
FY 2016: 3.0×FY 2017: 4.1×FY 2018: 2.3×FY 2019: 1.9×FY 2020: 0.9×FY 2021: 1.1×FY 2022: 2.0×FY 2023: 3.1×FY 2024: 2.8×FY 2025: 1.5×
FY 2016 5y median 2.0× FY 2025
FCF Yield 18.3%
FY 2016: 8.9%FY 2017: 4.7%FY 2018: 12.2%FY 2019: 10.1%FY 2020: 11.9%FY 2021: 10.8%FY 2022: 9.6%FY 2023: 10.9%FY 2024: 3.3%FY 2025: 18.3%
FY 2016 5y median 10.8% FY 2025

Profitability

Gross Margin 58.0%
FY 2016: 93.2%FY 2017: 90.6%FY 2018: 86.7%FY 2019: 100.0%FY 2020: 75.1%FY 2021: 100.0%FY 2022: 100.0%FY 2023: 156.6%FY 2024: 100.0%FY 2025: 58.0%
FY 2016 5y median 100.0% FY 2025
Operating Margin 15.4%
FY 2016: 29.2%FY 2017: 27.1%FY 2018: 26.8%FY 2019: 25.7%FY 2020: 27.5%FY 2021: 36.8%FY 2022: 37.2%FY 2023: 36.3%FY 2024: 33.6%FY 2025: 15.4%
FY 2016 5y median 36.3% FY 2025
Net Margin 13.1%
FY 2016: 21.6%FY 2017: 17.3%FY 2018: 22.7%FY 2019: 21.4%FY 2020: 18.4%FY 2021: 25.5%FY 2022: 26.2%FY 2023: 23.3%FY 2024: 21.4%FY 2025: 13.1%
FY 2016 5y median 23.3% FY 2025
ROE 10.1%
FY 2016: 8.7%FY 2017: 7.7%FY 2018: 10.8%FY 2019: 10.3%FY 2020: 7.9%FY 2021: 12.0%FY 2022: 15.7%FY 2023: 11.1%FY 2024: 9.7%FY 2025: 10.1%
FY 2016 5y median 11.1% FY 2025
ROIC 0.7%
FY 2016: 6.2%FY 2017: 4.2%FY 2018: 6.5%FY 2019: 1.5%FY 2020: 2.5%FY 2021: 3.5%FY 2022: 2.1%FY 2023: 1.5%FY 2024: 1.5%FY 2025: 0.7%
FY 2016 5y median 1.5% FY 2025
ROA 0.7%
FY 2016: 1.0%FY 2017: 0.8%FY 2018: 1.1%FY 2019: 1.1%FY 2020: 0.7%FY 2021: 1.0%FY 2022: 1.1%FY 2023: 0.8%FY 2024: 0.7%FY 2025: 0.7%
FY 2016 5y median 0.8% FY 2025

Growth (YoY)

Revenue 91.9%
FY 2016: 1.9%FY 2017: 10.9%FY 2018: 14.2%FY 2019: 12.6%FY 2020: -0.0%FY 2021: 14.8%FY 2022: 11.6%FY 2023: -9.1%FY 2024: 3.7%FY 2025: 91.9%
FY 2016 FY 2025
Operating Income -11.9%
FY 2016: 6.1%FY 2017: 2.8%FY 2018: 13.0%FY 2019: 8.2%FY 2020: 6.9%FY 2021: 53.5%FY 2022: 12.9%FY 2023: -11.3%FY 2024: -3.8%FY 2025: -11.9%
FY 2016 FY 2025
EPS (diluted) 15.4%
FY 2016: 5.0%FY 2017: -9.4%FY 2018: 53.0%FY 2019: 6.3%FY 2020: -14.4%FY 2021: 61.2%FY 2022: 15.1%FY 2023: -19.2%FY 2024: -5.0%FY 2025: 15.4%
FY 2016 FY 2025
Free Cash Flow 610.3%
FY 2016: -4.5%FY 2017: -36.1%FY 2018: 161.4%FY 2019: -18.5%FY 2020: 6.3%FY 2021: 6.6%FY 2022: -15.6%FY 2023: -5.4%FY 2024: -63.9%FY 2025: 610.3%
FY 2016 FY 2025

Financial Health

Current Ratio 79.4×
FY 2016: 0.2×FY 2017: 0.2×FY 2018: 0.3×FY 2019: 0.3×FY 2020: 0.2×FY 2021: 0.2×FY 2022: 0.2×FY 2023: 0.1×FY 2024: 0.1×FY 2025: 79.4×
FY 2016 5y median 0.2× FY 2025
Quick Ratio 79.4×
FY 2016: 0.2×FY 2017: 0.2×FY 2018: 0.3×FY 2019: 0.3×FY 2020: 0.2×FY 2021: 0.2×FY 2022: 0.2×FY 2023: 0.1×FY 2024: 0.1×FY 2025: 79.4×
FY 2016 5y median 0.2× FY 2025
Debt / Equity 1.1×
FY 2016: 0.4×FY 2017: 0.8×FY 2018: 0.6×FY 2019: 0.7×FY 2020: 0.6×FY 2021: 0.8×FY 2022: 1.0×FY 2023: 1.5×FY 2024: 1.1×FY 2025: 1.1×
FY 2016 5y median 1.1× FY 2025
Net Debt / EBITDA 1.7×
FY 2016: 1.3×FY 2017: 4.2×FY 2018: -0.5×FY 2019: -0.8×FY 2020: -4.2×FY 2021: -2.6×FY 2022: 0.8×FY 2023: 4.9×FY 2024: 3.5×FY 2025: 1.7×
FY 2016 5y median 1.7× FY 2025
Interest Coverage 0.4×
FY 2016: 4.5×FY 2017: 3.1×FY 2018: 2.1×FY 2019: 0.0×FY 2020: 0.0×FY 2021: 0.0×FY 2022: 0.0×FY 2023: 0.0×FY 2024: 0.0×FY 2025: 0.4×
FY 2016 5y median 0.0× FY 2025

Dividends

Dividend Yield 2.6%
FY 2016: 2.4%FY 2017: 2.2%FY 2018: 2.3%FY 2019: 2.4%FY 2020: 2.7%FY 2021: 2.4%FY 2022: 2.7%FY 2023: 3.5%FY 2024: 3.1%FY 2025: 2.6%
FY 2016 5y median 2.7% FY 2025
Payout Ratio 23.8%
FY 2016: 28.5%FY 2017: 36.2%FY 2018: 24.6%FY 2019: 24.2%FY 2020: 28.9%FY 2021: 18.5%FY 2022: 17.2%FY 2023: 22.9%FY 2024: 25.9%FY 2025: 23.8%
FY 2016 5y median 22.9% FY 2025

Annual · latest fiscal year ends 2025-12-31