Southern Michigan Bancorp (SOMC) Stock Price, News & Analysis

Company Overview

Southern Michigan Bancorp, Inc. is the bank holding company for Southern Michigan Bank & Trust Company, a community-focused financial institution headquartered in Coldwater, Michigan. SOMC provides a broad range of banking services to individuals, families and local businesses, with an emphasis on personalized service and local decision-making.

The company’s primary business activities include commercial lending, real estate financing, agricultural loans and consumer banking solutions. Its lending portfolio serves small- and mid-sized businesses, residential and commercial real estate projects, and agricultural enterprises. Deposit products span checking and savings accounts, money market accounts, certificates of deposit and retirement accounts, while digital banking capabilities offer online and mobile access to account management, payments and loan applications.

Operating across southern Michigan and neighboring communities, Southern Michigan Bancorp supports regional economic development by aligning its financial products with local market needs. The bank’s branch network serves rural and small-town markets, and its experienced management team combines community banking expertise with financial discipline to deliver tailored solutions and foster long-term customer relationships.

Key Stats

• Today's Range: $24.99 to $24.99
• 50-Day Range: $21.46 to $25.00
• 52-Week Range: $16.80 to $25.00
• Volume: 85 shs
• Average Volume: 568 shs
• Market Capitalization: $115.70 million
• P/E Ratio: 10.00
• Dividend Yield: 2.56%
• Price Target: N/A
• Consensus Rating: N/A

SOMC Stock Analysis - Frequently Asked Questions

How have SOMC shares performed this year?

Southern Michigan Bancorp's stock was trading at $19.25 at the beginning of 2025. Since then, SOMC stock has increased by 29.8% and is now trading at $24.99.

How were Southern Michigan Bancorp's earnings last quarter?

Southern Michigan Bancorp Inc. (OTCMKTS:SOMC) announced its earnings results on Wednesday, July, 23rd. The financial services provider reported $0.70 earnings per share for the quarter. The financial services provider earned $14.45 million during the quarter. Southern Michigan Bancorp had a net margin of 13.02% and a trailing twelve-month return on equity of 10.51%.

How do I buy shares of Southern Michigan Bancorp?

Shares of SOMC stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of Southern Michigan Bancorp own?

Based on aggregate information from My MarketBeat watchlists, some other companies that Southern Michigan Bancorp investors own include Macatawa Bank (MCBC), McDermott International (MDR), ABM Industries (ABM), Boeing (BA), Blueberries Medical (BBM), BankFinancial (BFIN) and Berkshire Hills Bancorp (BHLB).

Company Calendar

• Record date for 7/18 Dividend: 7/07/2025
• Dividend Payable: 7/18/2025
• Last Earnings: 7/23/2025
• Today: 9/12/2025
• Next Earnings (Estimated): 10/22/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: OTCMKTS
• Sector: Finance
• Industry: BANKS - NORTHEAST
• Sub-Industry: Banking
• Current Symbol: OTCMKTS:SOMC
• Previous Symbol: NASDAQ:SOMC
• CIK: 703699
• Web: www.smb-t.com
• Phone: (800) 379-7628
• Fax: N/A
• Employees: 173
• Year Founded: N/A

Profitability

• EPS (Trailing Twelve Months): $2.50
• Trailing P/E Ratio: 10.00
• Forward P/E Ratio: N/A
• P/E Growth: N/A
• Net Income: $10.40 million
• Net Margins: 13.02%
• Pretax Margin: 15.10%
• Return on Equity: 10.51%
• Return on Assets: 0.75%

Debt

• Debt-to-Equity Ratio: 1.17
• Current Ratio: 0.94
• Quick Ratio: 0.94

Sales & Book Value

• Annual Sales: $84.61 million
• Price / Sales: 1.37
• Cash Flow: $2.93 per share
• Price / Cash Flow: 8.54
• Book Value: $23.42 per share
• Price / Book: 1.07

Miscellaneous

• Outstanding Shares: 4,630,000
• Free Float: N/A
• Market Cap: $115.70 million
• Optionable: Not Optionable
• Beta: 0.11