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About the company
Southern Michigan Bancorp, Inc. is a bank holding company and the parent company of Southern Michigan Bank & Trust. The Company is providing a range of consumer, business and wealth management services. The Company offers a variety of deposit, payment, credit, and other financial services to all types of customers. These services include time, savings, and demand deposits; safe deposit box services, and automated teller machine services. Its loans, including both commercial and consumer, are extended primarily on a secured basis to corporations, partnerships, and individuals. Its commercial lending covers such categories as business, industrial, agricultural, inventory and real estate. Its consumer lending covers direct and indirect loans to purchasers of residential real property and consumer goods. It also offers trust and investment services. The Company operates approximately 18 offices within Branch, Calhoun, Hillsdale, Jackson, Kalamazoo and St. Joseph Counties.
- Revenue in USD (TTM)77.11m
- Net income in USD10.77m
- Incorporated1982
- Employees173.00
- LocationSouthern Michigan Bancorp Inc51 W Pearl StCOLDWATER 49036United StatesUSA
- Phone+1 (517) 279-5500
- Fax+1 (517) 279-7986
- Websitehttps://www.smb-t.com/
Peer analysis
- Key Information
- Stock Performance
- Per Share Data
- Efficiency
- Management Effectiveness
- Profitability
- Financial Strength
- Growth Rates
| Company | Revenue (TTM) | Net income (TTM) | Market cap | Employees | Price/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) | Revenue (YOY change %) | Revenue (5 yr growth rate) | Net income (YOY change %) | Net income (5 yr growth rate) | Capital expenditure (5 yr growth rate) | Dividend (5 yr growth rate) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Potomac Bancshares Inc | 42.86m | 7.34m | 72.86m | 125.00 | 9.95 | 0.9581 | -- | 2.10 | 1.77 | 1.77 | 8.33 | 18.35 | -- | -- | -- | -- | -- | 0.906 | -- | -- | -- | -- | 21.19 | 22.37 | -- | -- | -- | 24.40 | 17.17 | 15.74 | -5.99 | 16.28 | 26.85 | 10.44 |
| First Reliance Bancshares Inc | 53.92m | 6.30m | 76.53m | 92.00 | 12.51 | 0.9358 | -- | 1.86 | 0.7618 | 0.7618 | 4.96 | 10.18 | -- | -- | -- | -- | 0.5929 | 0.7358 | -- | -- | -- | -- | 15.35 | 16.19 | -- | -- | -- | -- | 18.25 | 13.51 | 28.70 | 7.70 | -- | -- |
| Killbuck Bancshares Inc | 14.68m | 3.03m | 76.70m | 100.00 | 25.35 | 1.67 | 22.06 | 6.02 | 4.93 | 4.93 | 20.74 | 75.06 | -- | -- | -- | -- | 0.701 | 1.00 | -- | -- | -- | -- | 23.77 | 27.10 | -- | -- | -- | 53.53 | -2.28 | -6.17 | -3.52 | -11.25 | -36.53 | -2.71 |
| Harleysville Financial Corp | 38.91m | 8.37m | 79.87m | 81.00 | 9.63 | -- | -- | 2.88 | 2.30 | 2.30 | 7.62 | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | 30.19 | 31.79 | -- | -- | -- | -- | 10.41 | 3.63 | -27.51 | 1.69 | -- | 4.65 |
| Cnb Community Bancorp Inc | 68.33m | 11.50m | 83.25m | -- | 7.35 | 0.8641 | -- | 1.55 | 5.45 | 5.45 | 25.45 | 46.36 | -- | -- | -- | -- | 0.9042 | 1.02 | -- | -- | -- | -- | 21.47 | 23.52 | -- | -- | -- | 25.49 | 17.32 | 15.86 | 9.15 | 4.79 | 13.99 | -0.8335 |
| Winchester Bancorp Inc | 40.88m | 154.00k | 83.47m | 68.00 | 541.94 | 1.03 | 84.23 | 4.81 | 0.0166 | 0.0166 | 1.87 | 8.70 | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | 0.8881 | -- | -- | -- | -- | -- | 40.18 | -- | -81.11 | -- | -- | -- |
| IF Bancorp Inc | 43.23m | 3.29m | 83.79m | 109.00 | 24.13 | 1.06 | 21.40 | 3.40 | 1.04 | 1.04 | 7.84 | 23.55 | -- | -- | -- | -- | 0.3693 | 0.5396 | -- | -- | -- | -- | 13.36 | 17.39 | -- | -- | -- | 25.03 | 27.79 | 8.93 | -61.59 | -12.84 | -25.93 | 9.86 |
| United Bancorp Inc | 39.74m | 6.95m | 84.01m | 115.00 | 11.58 | 1.42 | 9.82 | 2.82 | 1.25 | 1.25 | 5.37 | 10.20 | -- | -- | -- | -- | 0.8748 | 1.13 | -- | -- | -- | -- | 24.43 | 29.20 | -- | -- | -- | 54.31 | 7.25 | 7.89 | -17.82 | 1.50 | 48.64 | 5.28 |
| Skyline Bankshares Inc | 57.03m | 8.95m | 90.31m | 254.00 | 9.94 | 0.972 | 7.81 | 1.82 | 1.61 | 1.61 | 8.93 | 16.44 | -- | -- | -- | -- | 0.7775 | 0.8804 | -- | -- | -- | -- | 18.00 | 21.09 | -- | -- | -- | 23.23 | 23.45 | 11.69 | -23.45 | 0.7436 | -0.8015 | 13.90 |
| Southern Michigan Bancorp Inc | 77.11m | 10.77m | 96.12m | 173.00 | 8.94 | 0.8808 | -- | 1.89 | 2.35 | 2.35 | 11.09 | 23.84 | -- | -- | -- | -- | 0.7081 | 0.8985 | -- | -- | -- | -- | 21.19 | 24.50 | -- | -- | -- | 21.80 | 16.09 | 18.52 | -4.61 | 3.82 | -- | 5.57 |
| ENB Financial Corp | 96.86m | 15.69m | 96.37m | 294.00 | 6.13 | 0.7119 | 5.42 | 1.25 | 2.77 | 2.77 | 13.67 | 23.88 | -- | -- | -- | -- | 0.7449 | 0.7961 | -- | -- | -- | -- | 20.30 | 21.88 | -- | -- | -- | 27.12 | 19.25 | 17.35 | 23.77 | 6.09 | 34.85 | 2.16 |
| Community Bancorp | 56.67m | 13.35m | 110.93m | 128.00 | 8.25 | 1.09 | 7.72 | 2.59 | 2.39 | 2.39 | 7.69 | 18.32 | -- | -- | -- | -- | 1.17 | 1.26 | -- | -- | -- | -- | 31.44 | 32.52 | -- | -- | -- | 37.71 | 17.27 | 11.61 | -5.05 | 7.66 | -3.63 | 4.12 |
| Finward Bancorp | 89.54m | 3.31m | 118.30m | 293.00 | 35.44 | 0.7791 | 11.28 | 1.93 | 0.7717 | 0.7717 | 14.34 | 35.10 | -- | -- | -- | -- | 0.1608 | 0.7395 | -- | -- | -- | -- | 5.38 | 19.35 | -- | -- | -- | 30.87 | 3.96 | 11.28 | 44.75 | 0.0545 | 0.2161 | -17.02 |
| SB Financial Group Inc | 66.42m | 11.23m | 119.87m | 244.00 | 10.84 | 0.9121 | 8.04 | 2.02 | 1.69 | 1.69 | 8.94 | 20.14 | -- | -- | -- | -- | 0.7938 | 1.07 | -- | -- | -- | -- | 19.02 | 22.64 | -- | -- | -- | 24.53 | 10.66 | 7.70 | -5.22 | 0.7384 | -9.66 | 9.24 |
| Holder | Shares | % Held |
|---|---|---|
| Financial Gravity Asset Management, Inc.as of 31 Mar 2025 | 3.94k | 0.09% |
