Financial Services
Southern Michigan Bancorp, Inc.(SOMC)
Live Price
Offline$31.50
+0.00% today
1Y Change
+44.58%
Window
Jun 20, 2025 โ Jun 12, 2026
- Market Cap
- $130.00M
- Revenue Growth
- +91.9%
- EPS Growth
- +16.2%
- Dividend Yield
- 2.3%
Coverage: 246 bars ยท Jun 20, 2025 โ Jun 12, 2026
Research Briefing
A compact read on the setup, peer context, quarterly changes, and recent earnings reaction.
Research Snapshot
Southern Michigan Bancorp, Inc. (SOMC) is a Financial Services stock with a market cap of $130.00M and listed on OTC. The stock last traded around $31.50 and up 44.6% across the available one-year price window (Jun 20, 2025 โ Jun 12, 2026). Baseline metrics include revenue growth of +91.9%, EPS growth of +16.2%, a dividend yield of 2.3%. What stands out right now is revenue +91.9%, EPS +16.2%, free cash flow +610.3% with operating margin 18.5% and ROIC 0.8%. The dividend is present but secondary, with a yield around 2.3%. Valuation is more restrained than many high-expectation growth names at P/E 10.5 and price/sales 1.5. Stock Foundry combines SOMC price history, valuation, growth, dividend context, earnings, analyst forecasts, news, related Financial Services peers on this page.
Sector Context
How this name stacks up against nearby peers on first-pass metrics.
Revenue Growth
Above sector median
+91.9% vs +3.4% peer median
Operating Margin
Above sector median
+18.5% vs +4.7% peer median
What Changed This Quarter
Latest report context and the signals most likely to have changed the story.
Latest report is on the board
2026 was reported on Apr 29, 2026, but the surprise data is still limited.
The operating story is still moving forward
Revenue is running at +91.9% and EPS at +16.2%, with operating margin around 18.5%.
Shareholder return is still part of the story
The stock is still offering a dividend yield around 2.3%, which matters if the thesis depends on income as much as growth.
Earnings Reaction Memory
How the stock has tended to move after recent reports.
Across the last 3 reported quarters, the stock averaged -1.1% over the next 5 trading days and finished higher after 1 of those reports.
View quarter-by-quarter reaction table
| Quarter | EPS ฮ | 1D | 5D | 20D |
|---|---|---|---|---|
2026 Apr 29, 2026 | โ | +0.4% | +0.4% | +7.5% |
2026 Feb 17, 2026 | โ | +1.1% | +0.0% | +0.2% |
2025 Oct 29, 2025 | โ | -1.7% | -3.8% | -4.7% |
Benchmark Comparison
Normalized Performance vs SPY
Compare this ticker against a broad index, growth benchmark, or sector ETF using a shared 1Y normalization window.
SOMC
โ
Normalized return
SPY
โ
S&P 500
Excess Return
โ
Relative to SPY
SOMC Max Drawdown
-6.40%
Trailing 1Y
SPY Max Drawdown
โ
Trailing 1Y
Calendar-Year Returns
Uses the longest available daily history for SOMC and SPY.
Company Overview
Southern Michigan Bancorp, Inc.
Other OTC
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 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 and IRAs. The company also provides home mortgages and equity loans, home equity line 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 plan, institutional and personal custody, estate settlement, wealth management, estate and wealth transfer planning assistance, charitable gift planning assistance, and cash management custody services; and safe deposit box and automated teller machine services. Further, the company provides online and mobile banking, bill pay, e-statements, health savings account, ACH, wire transfer, remote deposit capture, insurance, and merchant services, as well as ATM, debit, credit, and gift cards. As of March 23, 2022, it operated 13 branches within Branch, Calhoun, Hillsdale, Kalamazoo, and St. Joseph Counties. The company was founded in 1871 and is based in Coldwater, Michigan.
- Leadership
- John R. Waldron
- IPO Date
- Apr 26, 1999
- Employees
- 173
- Street Address
- 51 West Pearl Street
- Mailing
- Coldwater, MI, 49036
- Region
- Coldwater, MI, US
- Reporting Currency
- USD
- Investor Line
- 517 279 5500
- Last Updated
- May 5, 2026
Key Fundamentals
Valuation, growth, profitability, and balance sheet signals.
Valuation
- P/E
- 10.5
- EV/EBITDA
- 11.9
- Price/Sales
- 1.5
- Price/Book
- 1.1
Growth
- Revenue
- +91.9%
- EPS
- +16.2%
- Free Cash Flow
- +610.3%
Profitability
- Gross Margin
- 64.4%
- Operating Margin
- 18.5%
- Net Margin
- 14.4%
- ROE
- 10.5%
- ROIC
- 0.8%
Balance Sheet
- Debt/Equity
- 1.09
- Current Ratio
- 78.55
Earnings Reports
Latest News
Official Releases
Company announcements and filings-style updates.
Next Step
Keep the research moving
After the overview, the strongest next step is usually chart context or a tighter compare set.