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Sturgis Bancorp, Inc. STBI

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Price alert · STBI

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29.27 USD +0.08 +0.27%

At close · Oct 30

29.19 Day range 29.19
20.02 52-week range 29.79
YTD
+36.46%
1 year
+42.78%
Open
29.19
Prev close
29.19
Mkt cap
63.71M
Vol
100
Avg vol
1.10K
EPS
4.14
P/E
7.07
More statistics
Low
29.19
High
29.19

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Financial health

Altman Z-Score

0.23 Distress zone

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

Piotroski F-Score

3 / 9 Weak

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

FMP rating

A-4 / 5 overall

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

Valuation

P/E 6.2×
FY 2016: 10.7×FY 2017: 12.4×FY 2018: 9.5×FY 2019: 9.2×FY 2020: 6.5×FY 2021: 6.4×FY 2022: 6.5×FY 2023: 6.4×FY 2024: 13.7×FY 2025: 6.2×
FY 2016 5y median 6.4× FY 2025
P/S 0.8×
FY 2016: 1.5×FY 2017: 2.0×FY 2018: 1.9×FY 2019: 1.9×FY 2020: 1.3×FY 2021: 1.2×FY 2022: 1.2×FY 2023: 0.8×FY 2024: 0.7×FY 2025: 0.8×
FY 2016 5y median 0.8× FY 2025
P/B 0.7×
FY 2016: 0.8×FY 2017: 1.1×FY 2018: 1.0×FY 2019: 1.0×FY 2020: 0.8×FY 2021: 0.8×FY 2022: 0.8×FY 2023: 0.7×FY 2024: 0.7×FY 2025: 0.7×
FY 2016 5y median 0.7× FY 2025
P/FCF 3.3×
FY 2016: 6.4×FY 2017: 11.0×FY 2018: 7.4×FY 2019: 16.0×FY 2020: -26.3×FY 2021: 3.9×FY 2022: 6.4×FY 2023: 5.0×FY 2024: 5.9×FY 2025: 3.3×
FY 2016 5y median 5.0× FY 2025
EV/EBITDA 7.2×
FY 2016: 14.3×FY 2017: 9.0×FY 2018: 8.9×FY 2019: 13.1×FY 2020: 5.5×FY 2021: 10.5×FY 2022: 11.9×FY 2023: 5.9×FY 2024: 29.8×FY 2025: 7.2×
FY 2016 5y median 10.5× FY 2025
EV/Sales 1.1×
FY 2016: 3.2×FY 2017: 1.9×FY 2018: 2.4×FY 2019: 3.7×FY 2020: 1.5×FY 2021: 3.2×FY 2022: 3.2×FY 2023: 1.1×FY 2024: 1.7×FY 2025: 1.1×
FY 2016 5y median 1.7× FY 2025
FCF Yield 30.0%
FY 2016: 15.7%FY 2017: 9.1%FY 2018: 13.5%FY 2019: 6.2%FY 2020: -3.8%FY 2021: 25.7%FY 2022: 15.6%FY 2023: 20.2%FY 2024: 16.8%FY 2025: 30.0%
FY 2016 5y median 20.2% FY 2025

Profitability

Gross Margin 71.8%
FY 2016: 88.5%FY 2017: 90.7%FY 2018: 87.1%FY 2019: 85.0%FY 2020: 78.6%FY 2021: 84.2%FY 2022: 87.3%FY 2023: 72.4%FY 2024: 58.5%FY 2025: 71.8%
FY 2016 5y median 72.4% FY 2025
Operating Margin 15.5%
FY 2016: 17.6%FY 2017: 16.7%FY 2018: 22.7%FY 2019: 24.1%FY 2020: 23.9%FY 2021: 23.3%FY 2022: 22.6%FY 2023: 14.6%FY 2024: 5.6%FY 2025: 15.5%
FY 2016 5y median 15.5% FY 2025
Net Margin 12.6%
FY 2016: 14.1%FY 2017: 16.2%FY 2018: 19.9%FY 2019: 20.3%FY 2020: 19.8%FY 2021: 19.3%FY 2022: 18.7%FY 2023: 12.3%FY 2024: 5.1%FY 2025: 12.6%
FY 2016 5y median 12.6% FY 2025
ROE 11.8%
FY 2016: 7.7%FY 2017: 8.5%FY 2018: 10.9%FY 2019: 11.3%FY 2020: 12.7%FY 2021: 12.1%FY 2022: 12.6%FY 2023: 10.8%FY 2024: 5.1%FY 2025: 11.8%
FY 2016 5y median 11.8% FY 2025
ROIC 0.7%
FY 2016: 2.7%FY 2017: 4.1%FY 2018: 1.0%FY 2019: 3.2%FY 2020: 0.9%FY 2021: 3.8%FY 2022: 4.6%FY 2023: 5.1%FY 2024: 2.0%FY 2025: 0.7%
FY 2016 5y median 3.8% FY 2025
ROA 0.7%
FY 2016: 0.7%FY 2017: 0.8%FY 2018: 1.0%FY 2019: 1.0%FY 2020: 0.9%FY 2021: 0.8%FY 2022: 0.8%FY 2023: 0.7%FY 2024: 0.3%FY 2025: 0.7%
FY 2016 5y median 0.7% FY 2025

Growth (YoY)

Revenue 5.4%
FY 2016: 3.4%FY 2017: 3.7%FY 2018: 11.9%FY 2019: 10.7%FY 2020: 24.8%FY 2021: 8.4%FY 2022: 7.6%FY 2023: 38.6%FY 2024: 14.5%FY 2025: 5.4%
FY 2016 FY 2025
Operating Income 191.1%
FY 2016: 14.2%FY 2017: -1.2%FY 2018: 52.1%FY 2019: 17.4%FY 2020: 23.9%FY 2021: 5.7%FY 2022: 4.2%FY 2023: -10.5%FY 2024: -55.9%FY 2025: 191.1%
FY 2016 FY 2025
EPS (diluted) 161.4%
FY 2016: 7.6%FY 2017: 18.8%FY 2018: 36.8%FY 2019: 12.0%FY 2020: 21.5%FY 2021: 5.3%FY 2022: 3.7%FY 2023: -9.1%FY 2024: -53.0%FY 2025: 161.4%
FY 2016 FY 2025
Free Cash Flow 111.9%
FY 2016: 257.1%FY 2017: -20.4%FY 2018: 56.5%FY 2019: -49.4%FY 2020: -152.2%FY 2021: 802.7%FY 2022: -34.9%FY 2023: 15.3%FY 2024: -16.2%FY 2025: 111.9%
FY 2016 FY 2025

Financial Health

Current Ratio 7.6×
FY 2016: 0.2×FY 2017: 0.2×FY 2018: 934×FY 2019: 190×FY 2020: 1037×FY 2021: 0.2×FY 2022: 0.1×FY 2023: 0.1×FY 2024: 0.1×FY 2025: 7.6×
FY 2016 5y median 0.1× FY 2025
Quick Ratio 7.6×
FY 2016: 0.2×FY 2017: 0.2×FY 2018: 934×FY 2019: 253×FY 2020: 1037×FY 2021: 0.2×FY 2022: 0.1×FY 2023: 0.1×FY 2024: 0.1×FY 2025: 7.6×
FY 2016 5y median 0.1× FY 2025
Debt / Equity 0.5×
FY 2016: 1.8×FY 2017: 0.9×FY 2018: 1.1×FY 2019: 1.6×FY 2020: 1.6×FY 2021: 2.0×FY 2022: 1.6×FY 2023: 1.0×FY 2024: 1.4×FY 2025: 0.5×
FY 2016 5y median 1.4× FY 2025
Net Debt / EBITDA 2.2×
FY 2016: 7.5×FY 2017: -0.3×FY 2018: 1.9×FY 2019: 6.5×FY 2020: 0.8×FY 2021: 6.4×FY 2022: 7.4×FY 2023: 1.6×FY 2024: 17.5×FY 2025: 2.2×
FY 2016 5y median 6.4× FY 2025
Interest Coverage 0.5×
FY 2016: 1.8×FY 2017: 1.6×FY 2018: 1.9×FY 2019: 1.7×FY 2020: 2.0×FY 2021: 1.9×FY 2022: 1.8×FY 2023: 0.6×FY 2024: 0.2×FY 2025: 0.5×
FY 2016 5y median 0.6× FY 2025

Dividends

Dividend Yield 3.2%
FY 2016: 3.1%FY 2017: 2.6%FY 2018: 2.9%FY 2019: 2.8%FY 2020: 3.5%FY 2021: 3.4%FY 2022: 3.4%FY 2023: 3.8%FY 2024: 3.8%FY 2025: 3.2%
FY 2016 5y median 3.4% FY 2025
Payout Ratio 19.7%
FY 2016: 32.8%FY 2017: 31.7%FY 2018: 27.4%FY 2019: 25.6%FY 2020: 22.6%FY 2021: 21.5%FY 2022: 21.9%FY 2023: 24.2%FY 2024: 51.7%FY 2025: 19.7%
FY 2016 5y median 21.9% FY 2025

Annual · latest fiscal year ends 2025-12-31