Español 
Deutsch 
Français 
MSCI World Index (MSC)
NASDAQ Composite (NASDAQ)
FTSE China A50 Index (FGI)
STOXX Europe 600 (SIX)
Nikkei 300 (OSA)
NIFTY 50 (NSE)
DAX Performance Index (XETRA)
FTSE 100 (FGI)
CAC 40 (EURONEXT)
Southern Michigan Bancorp, Inc. (SOMC)
Coldwater, MI, US
Southern Michigan Bancorp, Inc. serves as the bank holding company for Southern Michigan Bank & Trust, delivering a comprehensive array of commercial banking solutions. These services cater to individuals, businesses, institutions, and governmental agencies, predominantly within southwest Michigan communities. Its diverse deposit offerings encompass interest-bearing and non-interest checking accounts, various savings and money market accounts, time, savings, and demand deposits, as well as Certificates of Deposit (CDs) and Individual Retirement Accounts (IRAs). The company extends various lending solutions. For consumers, these include home mortgages, equity loans, home equity lines of credit (HELOCs), auto and personal loans, and both direct and indirect financing for residential property and consumer goods. Business clients can access lines of credit, term loans, commercial real estate, commercial and industrial loans, agriculture loans, letters of credit, Small Business Administration (SBA) loans, capital access loans, and specific financing for industrial, construction, real estate, and inventory needs. Additionally, the institution provides a suite of trust and investment services, such as investment management, trustee services, IRA rollovers, retirement plan administration, institutional and personal custody, estate settlement, wealth management, and advisory support for estate and wealth transfer planning and charitable giving. Safe deposit boxes and automated teller machines (ATMs) are also available. Furthermore, customers benefit from modern banking conveniences including online and mobile banking, bill payment, e-statements, Health Savings Accounts (HSAs), ACH services, wire transfers, remote deposit capture, insurance, and merchant services. The bank also issues ATM, debit, credit, and gift cards. Established in 1871 and headquartered in Coldwater, Michigan, Southern Michigan Bancorp, Inc. maintained 13 operational branches as of March 23, 2022, spread across Branch, Calhoun, Hillsdale, Kalamazoo, and St. Joseph Counties.
No mergers or acquisitions recorded for this company.
| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| +0.00% | +1.79% | +12.03% | +12.65% | +21.02% | +18.65% | +46.15% | +58.33% | +50.79% | +126.91% | +893.03% |
Revenue flow
Revenue by geography
Revenue by segment
Revenue composition
By product
By geography
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.
| Rating | 2024-11 | Change |
|---|---|---|
| Strong Buy | 0 | 0 |
| Buy | 0 | 0 |
| Hold | 0 | 0 |
| Sell | 0 | 0 |
| Strong Sell | 0 | 0 |
-
Revenue growth+91.9% Q1'26: +11.6% (vs Q1'25)
-
EPS growth+15.4% Q1'26: +7.6% (vs Q1'25)
-
FCF margin— Q1'26: +0.0% (vs Q1'25)
-
EBIT margin— Q1'26: +16.2% (vs Q1'25)
-
ROIC— Q1'26: +7.8% (vs Q1'25)
-
Share dilution+1.9% Q1'26: +0.9% (vs Q1'25)
-
Debt / EBITDA— Q1'26: 8.44× (vs Q1'25)
* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-11 | B+ | 3/5 | 5/5 | 3/5 | 3/5 | 2/5 | 3/5 | 3/5 |
| 2026-05-06 | B+ | 3/5 | 5/5 | 3/5 | 3/5 | 2/5 | 3/5 | 3/5 |
| 2026-05-05 | B+ | 3/5 | 5/5 | 3/5 | 3/5 | 2/5 | 3/5 | 3/5 |
| 2026-05-04 | B+ | 3/5 | 5/5 | 3/5 | 3/5 | 2/5 | 3/5 | 3/5 |
| 2026-04-30 | B+ | 3/5 | 5/5 | 3/5 | 3/5 | 1/5 | 3/5 | 3/5 |
| 2026-04-29 | B+ | 3/5 | 5/5 | 3/5 | 3/5 | 1/5 | 3/5 | 3/5 |
| 2026-04-28 | B+ | 3/5 | 5/5 | 3/5 | 3/5 | 1/5 | 3/5 | 3/5 |
| 2026-04-23 | B+ | 3/5 | 5/5 | 3/5 | 4/5 | 1/5 | 3/5 | 3/5 |
| 2026-04-21 | B+ | 3/5 | 5/5 | 3/5 | 4/5 | 1/5 | 3/5 | 3/5 |
| 2026-04-20 | B+ | 3/5 | 5/5 | 3/5 | 4/5 | 1/5 | 3/5 | 3/5 |
| 2026-04-17 | A- | 4/5 | 5/5 | 4/5 | 4/5 | 1/5 | 3/5 | 3/5 |
| 2026-04-16 | A- | 4/5 | 5/5 | 4/5 | 4/5 | 1/5 | 3/5 | 3/5 |
Owner Earnings
Ownership Overview
| # | Reporting person | Amount owned | % of class | Sole voting | Shared voting | Sole dispositive | Shared dispositive | Type | Citizenship | Filing date | SEC filing |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 1 | persons ( | 146.2K | 7.80% | 146.2K | — | 146.2K | — | IN | Number | 2003-02-14 | ↗ |
Institutional Activity (13F)
| # | Investor | Shares / Δ | Mkt value / Δ | Own% / Δ | Weight% / Δ | Avg px / Perf. | Hold / Status |
|---|---|---|---|---|---|---|---|
| 1 | SHAKESPEARE WEALTH MANAGEMENT, INC. | 8.4K +— (+0.0%) | 201.7K -4.2K (-2.0%) | 0.18% +0.000 pp | 0.04% -0.002 pp | USD25.00 -3.9% | 2 qtrs — |
ETF Ownership
| # | ETF | Weight | Est. AUM exposure | TER |
|---|---|---|---|---|
| 1 | State Street SPDR S&P Emerging Markets Small Cap ETF EWX | 0.01% | 75.9K | 0.65% |
Insider Activity
No insider activity available.
Insider history not available.
No recent insider transactions.
Executive team
Executive compensation
| # | Year | Executive | Salary | Bonus | Stock award | Option award | Incentive | Other | Total | % Stock- based |
Filing |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 1 | 2003 | Jaylen T. Johnson Executive Vice President, Chief Operating Officer, and Secretary | 94.5K | 11.0K | — | 900.00 | — | 5.0K | 110.6K | 0.81% | ↗ |
| 2 | 2002 | Jaylen T. Johnson Executive Vice President, Chief Operating Officer, and Secretary | 89.1K | — | — | — | — | — | 89.1K | 0.00% | ↗ |
| 3 | 2001 | Jaylen T. Johnson Executive Vice President, Chief Operating Officer, and Secretary | 87.3K | — | — | 815.00 | — | 4.1K | 91.4K | 0.89% | ↗ |
No CEO compensation history available.
Proxy statements
No proxy statements available for this company yet.
Recent SEC filings
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| Danice L. Chartrand | Senior Vice President, Accounting Director & Secretary | 174.0K | female |
| Aaron L. Lewis | Executive Vice President & Chief Credit Officer | — | male |
| Eric Anglin | Executive Vice President, Chief Operating Officer & Chief Strategy Officer | — | male |
| John R. Waldron | President, Chief Executive Officer & Director | — | male |
| Kevin A. Twardy | Senior Vice President, Chief Financial Officer & Treasurer | — | male |
| Nicholas Grabowski | Executive Vice President & Chief Lending Officer | — | male |
No Senate trading activity found for this company.
No House trading activity found for this company.
Share your view on this stock and instantly see how the community has voted over the last 6 months.
Community Opinion for SOMC
Short-term intention
Target Price Distribution
These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.
