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About the company
Southern Michigan Bancorp, Inc. is a bank holding company. The Company’s wholly owned subsidiary, Southern Michigan Bank and Trust (SMBT) offer individuals, businesses, institutions and governmental agencies a range of commercial banking services primarily in the southern Michigan communities in which they are located. It 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.
- Revenue in USD (TTM)81.03m
- Net income in USD11.95m
- 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) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| United Bancorp Inc | 40.97m | 7.22m | 85.11m | 115.00 | 10.86 | 1.28 | 9.58 | 2.73 | 1.32 | 1.32 | 5.68 | 11.16 | -- | -- | -- | -- | 0.8942 | 1.13 | -- | -- | -- | -- | 24.31 | 29.20 | -- | -- | -- | 54.31 | 7.25 | 7.89 | -17.82 | 1.50 | 48.64 | 5.28 |
| Summit State Bank | 58.43m | 6.80m | 91.62m | 106.00 | 13.40 | 0.9056 | 15.22 | 2.59 | 1.01 | 1.01 | 5.25 | 14.94 | -- | -- | -- | -- | 0.6561 | 0.8674 | -- | -- | -- | -- | 19.23 | 22.39 | -- | -- | -- | -- | -0.5684 | 9.91 | 262.08 | -8.36 | -- | -- |
| Cnb Community Bancorp Inc | 70.79m | 11.30m | 91.81m | -- | 8.13 | 0.8926 | -- | 1.66 | 5.54 | 5.54 | 27.13 | 50.47 | -- | -- | -- | -- | 0.8781 | 1.02 | -- | -- | -- | -- | 20.42 | 23.52 | -- | -- | -- | 25.49 | 17.32 | 15.86 | 9.15 | 4.79 | 13.99 | -0.8335 |
| IF Bancorp Inc | 43.12m | 5.17m | 93.54m | 102.00 | 16.97 | -- | 21.68 | 3.35 | 1.64 | 1.64 | 8.83 | -- | -- | -- | -- | -- | -- | 0.5207 | -- | -- | -- | -- | 18.53 | 17.08 | -- | -- | -- | 26.55 | 5.94 | 9.98 | 140.45 | 0.2764 | 8.90 | 5.92 |
| Killbuck Bancshares Inc | 14.68m | 3.03m | 94.48m | 100.00 | 31.23 | 2.05 | 27.18 | 7.41 | 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 | 40.92m | 9.53m | 95.05m | 81.00 | 10.14 | -- | -- | 3.20 | 2.61 | 2.61 | 8.14 | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | 32.10 | 32.54 | -- | -- | -- | -- | 8.27 | 6.68 | 7.61 | 6.04 | -- | 4.48 |
| Ferrellgas Partners LP | 1.93bn | -67.91m | 98.27m | 3.99k | -- | -- | 0.7093 | 0.0509 | -13.98 | -13.98 | 397.20 | -67.93 | 1.38 | 9.40 | 14.25 | 483,569.20 | 7.49 | 3.96 | 9.67 | 5.39 | 53.00 | 49.69 | 5.42 | 3.22 | 0.7176 | 2.04 | 1.42 | -- | 5.51 | 5.29 | -42.79 | -- | -5.74 | -- |
| Southern Michigan Bancorp Inc | 81.03m | 11.95m | 115.80m | 173.00 | 9.81 | 0.9936 | -- | 2.09 | 2.58 | 2.58 | 11.95 | 25.46 | -- | -- | -- | -- | 0.7528 | 0.8985 | -- | -- | -- | -- | 21.58 | 24.50 | -- | -- | -- | 23.06 | 16.09 | 18.52 | -4.61 | 3.82 | -- | 5.92 |
| First Reliance Bancshares Inc | 56.78m | 10.91m | 127.32m | 92.00 | 12.08 | 1.33 | -- | 2.56 | 1.31 | 1.31 | 5.98 | 11.88 | -- | -- | -- | -- | 1.01 | 0.6813 | -- | -- | -- | -- | 21.96 | 16.07 | -- | -- | -- | -- | 8.16 | 15.09 | 84.10 | 0.5405 | -- | -- |
| SB Financial Group Inc | -100.00bn | -100.00bn | 132.14m | 244.00 | -- | 0.9369 | -- | -- | -- | -- | -- | 22.65 | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- |
| Skyline Bankshares Inc | 65.75m | 15.84m | 132.59m | 254.00 | 8.25 | 1.23 | 9.79 | 2.28 | 2.84 | 2.84 | 10.42 | 19.00 | -- | -- | -- | -- | 1.26 | 0.989 | -- | -- | -- | -- | 27.23 | 23.20 | -- | -- | -- | 21.25 | 22.81 | 15.68 | 113.36 | 21.97 | -- | 14.87 |
| ENB Financial Corp | 104.41m | 19.77m | 141.74m | 294.00 | 7.13 | 0.9322 | 6.47 | 1.69 | 3.49 | 3.49 | 14.84 | 26.68 | -- | -- | -- | -- | 0.9164 | 0.7961 | -- | -- | -- | -- | 23.52 | 21.88 | -- | -- | -- | 27.12 | 19.25 | 17.35 | 23.77 | 6.09 | 34.85 | 2.16 |
| BCB Bancorp Inc | 172.96m | -14.46m | 145.10m | 264.00 | -- | 0.4769 | -- | 1.43 | -0.8408 | -0.8408 | 5.91 | 17.62 | -- | -- | -- | -- | -0.3642 | 0.679 | -- | -- | -- | -- | -12.33 | 21.92 | -- | -- | -- | 49.36 | -10.85 | 8.80 | -186.09 | -- | -- | 2.71 |
| SR Bancorp Inc | 49.06m | 4.28m | 148.84m | 119.00 | 33.01 | 0.7898 | 29.40 | 3.03 | 0.5347 | 0.5347 | 6.13 | 22.35 | 0.0445 | -- | 16.15 | 412,243.70 | 0.3873 | -- | 1.76 | -- | -- | -- | 8.71 | -- | -- | 1.29 | 0.8332 | -- | 31.27 | -- | 147.29 | -- | -- | -- |
| Holder | Shares | % Held |
|---|---|---|
| Shakespeare Wealth Management LLCas of 31 Dec 2025 | 8.40k | 0.18% |
| Financial Gravity Asset Management, Inc.as of 30 Sep 2025 | 2.95k | 0.06% |
