SOMC
Southern Michigan Bancorp, Inc. [SOMC] Stock Forecast
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SOMC Stock Summary
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SOMC Financial details
SOMC Financial Performance
Yearly Fundamentals Overview
Last date of statement is 2023-12-31
| Metric | History | 2019-12-31 | 2020-12-31 | 2021-12-31 | 2022-12-31 | 2023-12-31 |
|---|---|---|---|---|---|---|
| 2.02K | 2.02K | 2.02K | 2.02K | 2.02K | ||
| Revenue per share | 8.73 | 8.73 | 10.15 | 11.37 | 16.15 | |
| Net income per share | 1.87 | 1.6 | 2.59 | 2.98 | 2.4 | |
| Operating cash flow per share | 2.31 | 2.15 | 3.01 | 2.91 | 3.55 | |
| Free cash flow per share | 1.9 | 2.02 | 2.18 | 1.85 | 0.89 | |
| Cash per share | 14.73 | 21.29 | 25.93 | 16.71 | -15.78 | |
| Book value per share | 18.09 | 20.19 | 21.51 | 19.02 | 21.56 | |
| Tangible book value per share | 14.86 | 16.93 | 18.17 | 15.72 | 18.6 | |
| Share holders equity per share | 18.09 | 20.19 | 21.51 | 19.02 | 21.56 | |
| Interest debt per share | 12.6 | 11.28 | 16.57 | 19 | 31.64 | |
| Market cap | 86.6M | 78.27M | 91.81M | 87.19M | 72.15M | |
| Enterprise value | 76.79M | 34.78M | 51.88M | 100.74M | 290.31M | |
| P/E ratio | 10.04 | 10.6 | 7.81 | 6.46 | 6.62 | |
| Price to sales ratio | 2.15 | 1.95 | 1.99 | 1.69 | 0.98 | |
| POCF ratio | 8.15 | 7.89 | 6.71 | 6.61 | 4.48 | |
| PFCF ratio | 9.91 | 8.43 | 9.27 | 10.43 | 17.88 | |
| P/B Ratio | 1.04 | 0.84 | 0.94 | 1.01 | 0.74 | |
| PTB ratio | 1.04 | 0.84 | 0.94 | 1.01 | 0.74 | |
| EV to sales | 1.91 | 0.87 | 1.12 | 1.96 | 3.96 | |
| Enterprise value over EBITDA | -2.13K | -966.15 | -1.44K | -2.8K | 190.74 | |
| EV to operating cash flow | 7.23 | 3.51 | 3.79 | 7.64 | 18.03 | |
| EV to free cash flow | 8.79 | 3.75 | 5.24 | 12.06 | 71.93 | |
| Earnings yield | 0.1 | 0.09 | 0.13 | 0.15 | 0.15 | |
| Free cash flow yield | 0.1 | 0.12 | 0.11 | 0.1 | 0.06 | |
| Debt to equity | 0.7 | 0.56 | 0.77 | 1 | 1.47 | |
| Debt to assets | 0.07 | 0.05 | 0.06 | 0.07 | 0.1 | |
| Net debt to EBITDA | 272.56 | 1.21K | 1.11K | -376.47 | 143.34 | |
| Current ratio | 0.29 | 0.16 | 0.16 | 0.15 | 0.13 | |
| Interest coverage | 0 | 0 | 0 | 0 | 0 | |
| Income quality | 1.23 | 1.34 | 1.16 | 0.98 | 1.48 | |
| Dividend Yield | 0.02 | 0.03 | 0.02 | 0.03 | 0.03 | |
| Payout ratio | 0.24 | 0.29 | 0.18 | 0.17 | 0.23 | |
| Sales general and administrative to revenue | 0.1 | 0.1 | 0.09 | 0.08 | 0 | |
| Research and developement to revenue | 0 | 0 | 0 | 0 | 0 | |
| Intangibles to total assets | 0.02 | 0.02 | 0.01 | 0.01 | 0.01 | |
| Capex to operating cash flow | -0.18 | -0.06 | -0.28 | -0.37 | -0.75 | |
| Capex to revenue | -0.05 | -0.02 | -0.08 | -0.09 | -0.16 | |
| Capex to depreciation | -1.34 | -0.43 | -2.72 | -3.44 | -7.93 | |
| Stock based compensation to revenue | 0.03 | 0.03 | 0.03 | 0.02 | -0.04 | |
| Graham number | 27.6 | 27 | 35.38 | 35.71 | 34.14 | |
| ROIC | 0.06 | 0.05 | 0.07 | 0.08 | 0.21 | |
| Return on tangible assets | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | |
| Graham Net | -143.33 | -175.79 | -208.46 | -246.51 | -306.49 | |
| Working capital | -181.19M | -540.77M | -659.08M | -466.59M | -485.04M | |
| Tangible asset value | 68.43M | 77.92M | 82.57M | 71.19M | 84.41M | |
| Net current asset value | -655.66M | -802.78M | -941.4M | -1.11B | -1.25B | |
| Invested capital | 0.7 | 0.56 | 0.77 | 1 | 1.47 | |
| Average receivables | 1.65M | 0 | 0 | 0 | 0 | |
| Average payables | 0 | 0 | 0 | 0 | 0 | |
| Average inventory | 0 | 0 | 0 | 0 | 0 | |
| Days sales outstanding | 0 | 0 | 0 | 0 | 0 | |
| Days payables outstanding | 0 | 0 | 0 | 0 | 0 | |
| Days of inventory on hand | 0 | 0 | 0 | 0 | 0 | |
| Receivables turnover | 0 | 0 | 0 | 0 | 0 | |
| Payables turnover | 0 | 0 | 0 | 0 | 0 | |
| Inventory turnover | 0 | 0 | 0 | 0 | 0 | |
| ROE | 0.1 | 0.08 | 0.12 | 0.16 | 0.11 | |
| Capex per share | -0.41 | -0.14 | -0.83 | -1.07 | -2.66 |
Quarterly Fundamentals Overview
Last date of statement is 2023-12-31 for Q4
| Metric | History | 2022-12-31 | 2023-03-31 | 2023-06-30 | 2023-09-30 | 2023-12-31 |
|---|---|---|---|---|---|---|
| 2.02K | 2.02K | 2.02K | 2.02K | 2.02K | ||
| Revenue per share | 3.32 | 3.54 | 3.92 | 4.22 | 4.43 | |
| Net income per share | 0.79 | 0.66 | 0.59 | 0.61 | 0.54 | |
| Operating cash flow per share | 0.26 | 0 | 0 | 0 | 0 | |
| Free cash flow per share | 0.26 | 0 | 0 | 0 | 0 | |
| Cash per share | 16.75 | 17.45 | 22.47 | 19.88 | -15.8 | |
| Book value per share | 19.07 | 19.94 | 20.21 | 19.83 | 21.58 | |
| Tangible book value per share | 15.75 | 16.95 | 17.23 | 16.83 | 18.62 | |
| Share holders equity per share | 19.07 | 19.94 | 20.21 | 19.83 | 21.58 | |
| Interest debt per share | 19.04 | 21.12 | 28.99 | 29.44 | 31.67 | |
| Market cap | 86.99M | 86.37M | 85.27M | 74.85M | 72.08M | |
| Enterprise value | 100.55M | 103.08M | 115.09M | 118.19M | 290.25M | |
| P/E ratio | 6.07 | 7.19 | 7.91 | 6.76 | 7.39 | |
| Price to sales ratio | 5.79 | 5.35 | 4.76 | 3.91 | 3.59 | |
| POCF ratio | 74.48 | 4.8K | 0 | 0 | 0 | |
| PFCF ratio | 74.48 | 4.8K | 0 | 0 | 0 | |
| P/B Ratio | 1.01 | 0.95 | 0.92 | 0.83 | 0.74 | |
| PTB ratio | 1.01 | 0.95 | 0.92 | 0.83 | 0.74 | |
| EV to sales | 6.69 | 6.39 | 6.42 | 6.17 | 14.45 | |
| Enterprise value over EBITDA | -2.79K | -11.45K | -35.61 | -34.87 | 0 | |
| EV to operating cash flow | 86.08 | 5.73K | 0 | 0 | 0 | |
| EV to free cash flow | 86.08 | 5.73K | 0 | 0 | 0 | |
| Earnings yield | 0.04 | 0.03 | 0.03 | 0.04 | 0.03 | |
| Free cash flow yield | 0.01 | 0 | 0 | 0 | 0 | |
| Debt to equity | 1 | 1.06 | 1.43 | 1.48 | 1.47 | |
| Debt to assets | 0.07 | 0.07 | 0.09 | 0.09 | 0.1 | |
| Net debt to EBITDA | -376.47 | -1.86K | -9.23 | -12.79 | 0 | |
| Current ratio | 0.15 | 0.33 | 0.44 | 0.41 | 0.13 | |
| Interest coverage | 0 | 0 | 0 | 0 | 0 | |
| Income quality | 0.33 | 0.01 | 0 | 0 | 0 | |
| Dividend Yield | 0 | 0 | 0 | 0 | 0 | |
| Payout ratio | 0 | 0 | 0 | 0 | 0 | |
| Sales general and administrative to revenue | 0.07 | 0.07 | 0.07 | 0.06 | 0 | |
| Research and developement to revenue | 0 | 0 | 0 | 0 | 0 | |
| Intangibles to total assets | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | |
| Capex to operating cash flow | 0 | 0 | 0 | 0 | 0 | |
| Capex to revenue | 0 | 0 | 0 | 0 | 0 | |
| Capex to depreciation | 0 | 0 | 0 | 0 | 0 | |
| Stock based compensation to revenue | 0.08 | 0 | 0 | 0 | 0 | |
| Graham number | 18.44 | 17.21 | 16.38 | 16.5 | 16.16 | |
| ROIC | 0.02 | 0.02 | 0.01 | 0.01 | 0.06 | |
| Return on tangible assets | 0 | 0 | 0 | 0 | 0 | |
| Graham Net | -247.07 | -254.06 | -267.75 | -275.43 | -306.77 | |
| Working capital | -466.59M | -173.99M | -139.08M | -137.04M | -485.04M | |
| Tangible asset value | 71.19M | 77.19M | 78.75M | 76.36M | 84.41M | |
| Net current asset value | -1.11B | -1.15B | -1.22B | -1.24B | -1.25B | |
| Invested capital | 1 | 1.06 | 1.43 | 1.48 | 1.47 | |
| Average receivables | 0 | 0 | 0 | 0 | 0 | |
| Average payables | 0 | 0 | 0 | 0 | 0 | |
| Average inventory | 0 | 0 | 0 | 0 | 0 | |
| Days sales outstanding | 0 | 0 | 0 | 0 | 0 | |
| Days payables outstanding | 0 | 0 | 0 | 0 | 0 | |
| Days of inventory on hand | 0 | 0 | 0 | 0 | 0 | |
| Receivables turnover | 0 | 0 | 0 | 0 | 0 | |
| Payables turnover | 0 | 0 | 0 | 0 | 0 | |
| Inventory turnover | 0 | 0 | 0 | 0 | 0 | |
| ROE | 0.04 | 0.03 | 0.03 | 0.03 | 0.02 | |
| Capex per share | 0 | 0 | 0 | 0 | 0 |
SOMC Frequently Asked Questions
What is Southern Michigan Bancorp, Inc. stock symbol ?
Southern Michigan Bancorp, Inc. is a US stock , located in Coldwater of Mi and trading under the symbol SOMC
What is Southern Michigan Bancorp, Inc. stock quote today ?
Southern Michigan Bancorp, Inc. stock price is $16.75 today.
Is Southern Michigan Bancorp, Inc. stock public?
Yes, Southern Michigan Bancorp, Inc. is a publicly traded company.
Company Profile
- Volume Average 2.5K
- Market Capitalization 77.94M
- Employee 173
- CEO Mr. John R. Waldron
- Headquarters Coldwater,MI,US
- IPO Date 1999-04-26
-
Website
https://www.smb-t.com 
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.
