Financial Services
Sturgis Bancorp, Inc.(STBI)
Live Price
Offline$25.75
+0.78% today
1Y Change
+40.71%
Window
Jun 20, 2025 โ Jun 12, 2026
- Market Cap
- $60.00M
- Revenue Growth
- +5.4%
- EPS Growth
- +161.4%
- Dividend Yield
- 2.7%
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
Sturgis Bancorp, Inc. (STBI) is a Financial Services stock with a market cap of $60.00M and listed on OTC. The stock last traded around $25.75 and up 40.7% across the available one-year price window (Jun 20, 2025 โ Jun 12, 2026). Baseline metrics include revenue growth of +5.4%, EPS growth of +161.4%, a dividend yield of 2.7%. What stands out right now is revenue +5.4%, EPS +161.4%, free cash flow +111.9% with operating margin 16.4% and ROIC 0.8%. The dividend matters to the case here, with a current yield around 2.7%. Valuation is more restrained than many high-expectation growth names at P/E 7.0 and price/sales 0.9. Overall, the current profile looks closer to a income-oriented value setup than a generic broad-market placeholder. Stock Foundry combines STBI 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
+5.4% vs +3.4% peer median
Operating Margin
Above sector median
+16.4% 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 Feb 26, 2026, but the surprise data is still limited.
The operating story is still moving forward
Revenue is running at +5.4% and EPS at +161.4%, with operating margin around 16.4%.
Shareholder return is still part of the story
The stock is still offering a dividend yield around 2.7%, 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 -0.5% 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 Feb 26, 2026 | โ | -1.9% | +5.2% | +1.1% |
2025 Oct 21, 2025 | โ | +0.0% | -4.0% | -4.1% |
2025 Jul 24, 2025 | โ | +0.4% | -2.6% | +0.4% |
Benchmark Comparison
Normalized Performance vs SPY
Compare this ticker against a broad index, growth benchmark, or sector ETF using a shared 1Y normalization window.
STBI
โ
Normalized return
SPY
โ
S&P 500
Excess Return
โ
Relative to SPY
STBI Max Drawdown
-9.12%
Trailing 1Y
SPY Max Drawdown
โ
Trailing 1Y
Calendar-Year Returns
Uses the longest available daily history for STBI and SPY.
Company Overview
Sturgis Bancorp, Inc.
Other OTC
Sturgis Bancorp, Inc. operates as the bank holding company for Sturgis Bank & Trust Company that provides banking products and services in Michigan, the United States. The company offers checking, savings and health savings, and money market accounts; and certificates of deposit and individual retirement accounts. It also provides mortgage, automobile, savings secured, personal, home equity, equipment and machinery, government supported, and commercial real estate loans, as well as home equity lines of credit and business lines of credit; and credit cards. In addition, the company offers private banking, cashier checks, wire transfers, foreign drafts and foreign currency, overdraft protection, night depository, and notary services, as well as safe deposit boxes and residential mortgages. Further, it provides direct deposit, remote deposit capture, Visa check card, and checks reorder services; and investment and financial-advisory services, as well as commercial and consumer insurance and title insurance products. Additionally, the company offers estate and asset management services, such as estate settlements, trust administration, record keeping, investment management, and custody services; cash and treasury management; and online and mobile banking, bill pay, and mobile wallet services. It operates through 14 bank facilities and 4 full service standalone ATMs located in 12 communities in Michigan. Sturgis Bancorp, Inc. was founded in 1905 and is headquartered in Sturgis, Michigan.
- Leadership
- Jason J. Hyska
- IPO Date
- Apr 26, 1999
- Employees
- 118
- Street Address
- 113-125 East Chicago Road
- Mailing
- Sturgis, MI, 49091
- Region
- Sturgis, MI, US
- Reporting Currency
- USD
- Investor Line
- 269 651 9345
- Last Updated
- May 5, 2026
Key Fundamentals
Valuation, growth, profitability, and balance sheet signals.
Valuation
- P/E
- 7.0
- EV/EBITDA
- 7.5
- Price/Sales
- 0.9
- Price/Book
- 0.9
Growth
- Revenue
- +5.4%
- EPS
- +161.4%
- Free Cash Flow
- +111.9%
Profitability
- Gross Margin
- 71.9%
- Operating Margin
- 16.4%
- Net Margin
- 13.2%
- ROE
- 12.8%
- ROIC
- 0.8%
Balance Sheet
- Debt/Equity
- 0.47
- Current Ratio
- โ
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.