Southern Michigan Bancorp Inc


Southern Michigan Bancorp Inc

  • Price (USD)22.50
  • Today's Change0.25 / 1.12%
  • Shares traded15.42k
  • 1 Year change+13.92%
  • Beta0.4306
Data delayed at least 15 minutes, as of Jun 24 2022 20:07 BST.
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About the company

Southern Michigan Bancorp, Inc. is a bank holding company for Southern Michigan Bank & Trust. The Company operates approximately 14 branches within Branch, Calhoun, Hillsdale, Kalamazoo and St. Joseph Counties, providing a range of consumer, business and wealth management services throughout the region. The Company offers personal banking, personal borrowing, personal investing services and products, business banking, business borrowing, e-services, business investing and wealth management services. Personal banking includes Personal Checking, Southern Rewards Testimonials, Savings, certificate of deposits (CDs) and individual retirement account (IRAs), e-statements, online services, iPay QuickPay, Zelle, mobile wallets, card services, and alerts. Personal borrowing includes auto/personal loans, home loans and online application. Personal investing includes 401K and trust/estate planning. Business banking includes checking, savings, business card services and business online services.

  • Revenue in USD (TTM)37.55m
  • Net income in USD11.60m
  • Incorporated1982
  • Employees173.00
  • Location
    Southern Michigan Bancorp Inc51 W Pearl StCOLDWATER 49036United StatesUSA
  • Phone+1 (517) 279-5500
  • Fax+1 (517) 279-7986
  • Websitehttps://www.smb-t.com/
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Peer analysis

Key Information
CompanyRevenue (TTM)Net income (TTM)Market capEmployeesPrice/earnings (TTM)Price/book value (MRQ)Price/cash flow (TTM)Price/sales (TTM)EPS (excl. extraordinary items, TTM)EPS (incl. extraordinary items, TTM)Revenue per share (TTM)Book value per share (MRQ)Asset turnover (TTM)Inventory turnover (TTM)Receivables turnover (TTM)Revenues per employee (TTM)Return on avg assets (TTM)Return on avg assets (5 yr avg)Return on investment (TTM)Return on investment (5 yr avg)Gross margin (TTM)Gross margin
(5 yr avg)
Net profit margin (TTM)Net Profit margin
(5 yr avg)
Quick ratio (MRQ)Interest coverage (TTM)Total debt to capital (MRQ)Payout ratio
(5 yr avg)
(YOY change %)
(5 yr growth rate)
Net income
(YOY change %)
Net income
(5 yr growth rate)
Capital expenditure
(5 yr growth rate)
(5 yr growth rate)
QNB Corp46.85m15.15m98.73m179.006.510.96325.831.964.264.2614.1628.81--------0.94160.9842--------30.1028.38------36.887.047.0736.4913.0758.543.13
ENB Financial Corp.44.47m13.60m99.03m251.007.250.85356.531.712.442.4410.3820.74--------0.84050.9124--------23.5122.81------30.993.568.9921.2814.58-10.204.22
CSB Bancorp Inc (Ohio)29.19m10.65m99.72m153.009.391.05--2.893.913.9112.6434.93--------0.9491.15--------30.9129.52------29.70-4.954.562.559.978.149.36
Citizens Holding Company38.48m7.63m100.02m252.0013.061.59--2.191.371.378.1711.25--------0.5270.5744--------16.7317.00------75.19-
Killbuck Bancshares Inc14.68m3.03m101.54m100.0033.562.2029.217.974.934.9320.7475.06--------0.7011.00--------23.7727.10------53.53-2.28-6.17-3.52-11.25-36.53-2.71
Summit State Bank42.44m15.32m101.57m99.006.641.2212.882.
Southern Michigan Bancorp Inc37.55m11.60m101.62m173.008.791.17--2.402.562.569.3519.16--------1.011.02--------27.3924.61------24.2016.7311.0159.1814.03--5.70
United Bancorporation of Alabama Inc18.20m989.72k101.73m177.0064.202.3352.864.860.42060.42068.8815.88--------0.2774-0.0889--------6.05-2.22---------4.61-6.10167.07-21.90-35.91--
Auburn National Bancorporation Inc26.57m8.11m101.78m152.0012.611.1810.943.622.302.307.9724.57--------0.77170.9557--------28.8328.88------41.97-5.98-0.23157.85-0.273975.672.93
BNCCORP, Inc.31.04m13.66m102.27m281.007.510.93026.861.653.833.8317.3330.91--------1.231.82--------22.0825.87---------8.452.66-50.7925.13-23.73--
Provident Financial Holdings, Inc.33.86m9.97m103.01m161.0010.680.81116.552.921.321.324.6917.43--------0.83870.4953--------28.2711.45------72.55-17.09-2.18-1.660.2317-31.733.13
HMN Financial, Inc.31.44m11.63m103.81m163.008.791.037.482.392.602.609.7522.16--------1.161.14--------26.7823.27------0.00-0.61953.0431.6616.3938.90--
Benchmark Bankshares, Inc-100.00bn-100.00bn104.60m106.00--2.68----------8.64----------1.14----------24.47------35.694.104.9916.333.42-1.283.13
Pacific Financial Corporation36.07m10.13m104.97m234.0010.410.967627.292.160.97020.97024.6610.44--------0.78791.14--------20.8222.48---------6.101.7111.5314.02--17.72
Rhinebeck Bancorp Inc43.62m10.29m106.41m190.0010.060.90728.852.280.93620.93624.2410.38--------0.83030.6908--------22.0616.70------0.00-1.5711.3295.3433.8610.85--
FFD Financial Corporation10.57m1.51m106.69m51.0070.555.39--11.640.49610.49613.006.50--------0.67610.655--------16.5216.39------54.942.402.1940.980.0016.917.67
Data as of Jun 24 2022. Currency figures normalised to Southern Michigan Bancorp Inc's reporting currency: US Dollar USD
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