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Market Performance
Stock returned +10.0% over the past year, broadly in line with market conditions.What is 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.
SOMC · Verdict
Moderate reward · moderate risk
SOMC stands out on volatility and balance sheet, but watch the cash flow signal.
Based on 88% data coverage
SOMC · Verdict
What’s working & what to watch
Strengths 2
- Volatility95/100
Top decile vs peers
- Balance sheet69/100
Net debt/EBITDA 0.0×
Watchouts 1
- Cash flow45/100
3% free-cash-flow margin
Model-based scoring. For information only — not financial advice.
What is 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 is listed on the PINK in USA, operating in the Financial Services sector, with a market capitalisation of 106.28M, and a P/E ratio of 9.6x.
Financial Highlights
Investment Breakdown
Analysis
Reward: Moderate (50)The scoring profile indicates limited reward potential at this time, with profitability and valuation offering the most support. Risk indicators are moderate, consistent with typical market exposure.
For informational purposes only. Not financial advice.