Income statement
USD
Annual
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Revenue | 93M | 49M | 47M | 52M | 46M |
| Gross Profit | 54M | 49M | 73M | 52M | 46M |
| Operating Income | 14M | 16M | 17M | 19M | 17M |
| EBITDA | 14M | 12M | -782K | 17M | 16M |
| Net Income | 12M | 10M | 11M | 13M | 12M |
| EPS (Diluted) | — | — | — | — | — |
Financial Services
Live Price
Offline$31.50
+0.00% today
1Y Change
+44.58%
Window
Jun 23, 2025 → Jun 12, 2026
Coverage: 245 bars · Jun 23, 2025 → 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 23, 2025 → 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.
Benchmark Comparison
Compare this ticker against a broad index, growth benchmark, or sector ETF using a shared 1Y normalization window.
SOMC
—
Normalized return
SPY
—
S&P 500
Excess Return
—
Relative to SPY
SOMC Max Drawdown
-6.40%
Trailing 1Y
SPY Max Drawdown
—
Trailing 1Y
Uses the longest available daily history for SOMC and SPY.
Financial profile
Profitability, balance sheet stamina, and cash efficiency drawn from the latest filings.
FY Revenue
$46.1M
-10.4% YoY
FY Net Income
$11.8M
-12.9% YoY
Free Cash Flow
$9.9M
+18.5% YoY
Revenue Growth
+91.9%
EPS Growth
+16.2%
Gross Margin
64.4%
Net Margin
14.4%
Income statement
USD
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Revenue | 93M | 49M | 47M | 52M | 46M |
| Gross Profit | 54M | 49M | 73M | 52M | 46M |
| Operating Income | 14M | 16M | 17M | 19M | 17M |
| EBITDA | 14M | 12M | -782K | 17M | 16M |
| Net Income | 12M | 10M | 11M | 13M | 12M |
| EPS (Diluted) | — | — | — | — | — |
Balance sheet
USD
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Cash & Equivalents | 109M | 69M | 73M | 76M | 118M |
| Total Assets | 1.7B | 1.5B | 1.4B | 1.3B | 1.2B |
| Total Liabilities | 1.6B | 1.4B | 1.3B | 1.2B | 1.1B |
| Shareholder Equity | 121M | 107M | 98M | 86M | 98M |
| Total Debt | 134M | 118M | 147M | 89M | 78M |
| Net Debt | 25M | 48M | 73M | 14M | -40M |
Cash flow positioning
Latest Full Year
Operating Cash Flow
14M
+3.7% YoY
Capital Expenditures
4M
+21.9% YoY
Free Cash Flow
10M
+18.5% YoY
Key ratios
Gross Margin
64.4%
Operating Margin
18.5%
Net Margin
14.4%
ROE
10.5%
Debt / Equity
1.09x
Next Step
Use the numbers to decide whether this is a growth candidate, a quality compounder, or just an interesting outlier.