Stock SOMC SOUTHERN MICHIGAN BANCORP, INC.
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Financials Southern Michigan Bancorp, Inc.

Equities

SOMC

US84336P1030

Banks

Market Closed - OTC Markets
Other stock markets
 15:42:26 2024-05-20 EDT 		5-day change 1st Jan Change
16.5 USD 0.00% Intraday chart for Southern Michigan Bancorp, Inc. -1.49% +3.77%
03-26 Southern Michigan Bancorp, Inc. Approves Quarterly Cash Dividend, Payable on April 19, 2024 CI
02-12 Southern Michigan Bancorp, Inc. Reports Earnings Results for the Full Year Ended December 31, 2023 CI

Valuation

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Capitalization 1 87.94 86.79 78.22 90.91 87.29 71.48
Enterprise Value (EV) 1 81.13 79.83 34.73 50.98 100.8 144.9
P/E ratio 10.9 x 10.1 x 10.6 x 7.83 x 6.48 x 6.63 x
Yield 2.28% 2.42% 2.71% 2.38% 2.7% 3.52%
Capitalization / Revenue 2.79 x 2.59 x 2.41 x 2.23 x 1.93 x 1.53 x
EV / Revenue 2.58 x 2.38 x 1.07 x 1.25 x 2.23 x 3.1 x
EV / EBITDA - - - - - -
EV / FCF - - - - - -
FCF Yield - - - - - -
Price to Book 1.16 x 1.04 x 0.84 x 0.93 x 1.01 x 0.74 x
Nbr of stocks (in thousands) 4,616 4,616 4,601 4,501 4,534 4,496
Reference price 2 19.05 18.80 17.00 20.20 19.25 15.90
Announcement Date 19-03-05 20-03-27 21-04-01 22-03-26 23-03-22 24-03-07
1USD in Million2USD
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Net sales 1 31.49 33.52 32.48 40.83 45.22 46.81
EBITDA - - - - - -
EBIT - - - - - -
Operating Margin - - - - - -
Earnings before Tax (EBT) 1 9.56 10.31 8.789 14.12 16.07 13.35
Net income 1 8.125 8.622 7.386 11.76 13.49 10.9
Net margin 25.8% 25.72% 22.74% 28.79% 29.83% 23.29%
EPS 2 1.755 1.870 1.604 2.580 2.970 2.400
Free Cash Flow - - - - - -
FCF margin - - - - - -
FCF Conversion (EBITDA) - - - - - -
FCF Conversion (Net income) - - - - - -
Dividend per Share 2 0.4350 0.4550 0.4600 0.4800 0.5200 0.5600
Announcement Date 19-03-05 20-03-27 21-04-01 22-03-26 23-03-22 24-03-07
1USD in Million2USD
Estimates

Balance Sheet Analysis

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Net Debt 1 - - - - 13.6 73.4
Net Cash position 1 6.81 6.96 43.5 39.9 - -
Leverage (Debt/EBITDA) - - - - - -
Free Cash Flow - - - - - -
ROE (net income / shareholders' equity) 11.2% 10.9% 8.38% 12.3% 14.7% 11.9%
ROA (Net income/ Total Assets) 1.12% 1.11% 0.82% 1.09% 1.11% 0.81%
Assets 1 725.6 774.3 903.7 1,079 1,219 1,346
Book Value Per Share 2 16.40 18.10 20.30 21.70 19.10 21.60
Cash Flow per Share 2 12.10 14.70 21.40 26.20 16.80 16.10
Capex 1 1.35 1.89 0.63 0.78 4.83 8.34
Capex / Sales 4.27% 5.63% 1.95% 1.9% 10.68% 17.8%
Announcement Date 19-03-05 20-03-27 21-04-01 22-03-26 23-03-22 24-03-07
1USD in Million2USD
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Change in Enterprise Value/EBITDA

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