Subscribe

Sturgis Bancorp, Inc. (STBI)

USD29.31 +0.00 (+0.00%)
US OTC Financial Services Banks - Regional
Address 113-125 East Chicago Road 49091
Sturgis, MI, US
CEO Jason J. Hyska
IPO 1999-04-26
CIK 1166362 ISIN US8640871013

Explore sections of this company profile

Description

Sturgis Bancorp, Inc. serves as the parent company for Sturgis Bank & Trust Company, a financial institution that delivers a broad spectrum of banking solutions and services across Michigan, United States. Its product portfolio encompasses various deposit accounts, including checking, savings (with health savings options), and money market accounts, along with certificates of deposit (CDs) and individual retirement accounts (IRAs). The bank also extends diverse lending options such as mortgages, automobile loans, personal loans, and savings-secured loans. For both individuals and businesses, it provides home equity loans and lines of credit, equipment and machinery financing, commercial real estate loans, and government-supported loan programs, in addition to business lines of credit and credit cards. Beyond its core offerings, the company furnishes supplementary services like private banking, cashier's checks, wire transfers, foreign drafts, and foreign currency exchange. Customers can also access overdraft protection, night depository services, notary services, safe deposit boxes, and specific residential mortgage offerings. Digital banking capabilities feature direct deposit, remote deposit capture, Visa check cards, and check reordering. Furthermore, Sturgis Bancorp provides investment and financial advisory services, alongside a range of insurance products covering commercial, consumer, and title coverage. Wealth management solutions comprise estate settlements, trust administration, record keeping, investment management, and custody services. The company also supports businesses with cash and treasury management, and ensures modern convenience through online and mobile banking, bill payment, and mobile wallet services. Sturgis Bancorp operates through a network of 14 bank branches and 4 full-service standalone ATMs, strategically situated in 12 distinct communities throughout Michigan. Established in 1905, the company maintains its corporate headquarters in Sturgis, Michigan.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
Loading outlook…
Loading forecast...
Signal Summary Loading…
Indicator 1D1W2W3W1M
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
Loading risk profile…
Price Chart
Averages
Trend
Price
Levels
Draw
USD29.31 +0.00 (+0.00%)
Loading historical data…
Volume Profile
Loading…
Liquidity & share structure
Average Volume
4.1K
Beta
0.16
Float Shares
2.05M
Free Float %
94.4%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
+0.98% +0.98% +0.55% +11.96% +27.48% +20.05% +42.34% +31.71% +33.77% +128.89% +451.39%
Rolling Volatility
Loading…
Drawdown
Loading…
Relative Strength
Loading…
Monthly Returns Heatmap
From To
Loading…
Annual Monthly Returns
Loading…
Daily Returns Distribution
vs.
Loading histogram data…

Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

From To

By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Price Targets & DCF
Current price
29.31
DCF (Unlevered) 15.66 -46.6%
DCF (Levered) 43.82 +49.5%

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.

Ratings Trend (MoM)
Rating 2024-11 Change
Strong Buy 0 0
Buy 0 0
Hold 0 0
Sell 0 0
Strong Sell 0 0
Quality scores
Altman Z-Score
0.23
Distress
Piotroski F-Score
5 / 9
Average
Composite Rating
A
Overall Score
4 / 5
High
DCF Score
5 / 5
High
ROE Score
4 / 5
High
ROA Score
4 / 5
High
D/E Score
2 / 5
Medium
P/E Score
4 / 5
High
P/Book Score
4 / 5
High
Operational MOAT
  • Revenue growth
    +5.4% Q1'26: +7.6% (vs Q1'25)
  • EPS growth
    +161.4% Q1'26: +31.3% (vs Q1'25)
  • FCF margin
    Q1'26: +0.0% (vs Q1'25)
  • EBIT margin
    Q1'26: +15.8% (vs Q1'25)
  • ROIC
    Q1'26: +9.2% (vs Q1'25)
  • Share dilution
    +0.1% Q1'26: +0.6% (vs Q1'25)
  • Debt / EBITDA
    Q1'26: 3.23× (vs Q1'25)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
Theoretical Return — If Invested Today

* 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.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
WACC components (optional)
Ke (Cost of Equity) = Rf + β (0.17) × ERP
WACC = 64% × Ke + 36% × Kd (55.7%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Intrinsic value (base): 15.66 Current price: 29.31
Enterprise Value: Equity Value: Terminal Value: TV as % of EV:

Base values reflect the latest available data for this company and market conditions.

Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-26 B+ 3/5 4/5 4/5 3/5 2/5 3/5 3/5
2026-05-22 B+ 3/5 4/5 4/5 3/5 2/5 3/5 3/5
2026-05-21 B+ 3/5 4/5 4/5 3/5 2/5 3/5 3/5
2026-05-20 B+ 3/5 4/5 4/5 3/5 2/5 3/5 3/5
2026-05-19 B+ 3/5 4/5 4/5 3/5 2/5 3/5 3/5
2026-05-18 B+ 3/5 4/5 4/5 3/5 2/5 3/5 3/5
2026-05-13 A- 4/5 4/5 4/5 3/5 2/5 4/5 4/5
2026-05-12 A- 4/5 4/5 4/5 3/5 2/5 4/5 4/5
2026-05-11 A- 4/5 4/5 4/5 3/5 2/5 4/5 4/5
2026-05-08 A- 4/5 4/5 4/5 3/5 2/5 4/5 4/5
2026-05-06 A- 4/5 4/5 4/5 3/5 2/5 4/5 4/5
2026-05-05 A- 4/5 4/5 4/5 3/5 2/5 4/5 4/5
2026-05-01 A- 4/5 4/5 4/5 3/5 2/5 4/5 4/5
2026-04-30 A- 4/5 4/5 4/5 3/5 2/5 4/5 4/5
2026-04-28 A- 4/5 4/5 4/5 3/5 2/5 4/5 4/5
2026-04-24 A- 4/5 4/5 4/5 4/5 1/5 4/5 3/5
2026-04-23 A 4/5 5/5 4/5 4/5 2/5 4/5 4/5
2026-04-22 A 4/5 5/5 4/5 4/5 2/5 4/5 4/5
2026-04-21 A 4/5 5/5 4/5 4/5 2/5 4/5 4/5
2026-04-20 A 4/5 5/5 4/5 4/5 2/5 4/5 4/5
2026-04-17 A 4/5 5/5 4/5 4/5 2/5 4/5 4/5
2026-04-16 A 4/5 5/5 4/5 4/5 2/5 4/5 4/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
2.12M
OE per share TTM
0.99
Owner's Yield
3.79%
Maintenance CapEx ratio
15.47%
Maint CapEx / Avg PPE
37.7%

Ownership Overview

Ownership breakdown

Ownership breakdown not available.

At a glance
Institutional holders
Total invested
Insider transactions (90d)
0
Beneficial owners (>5%)
2
Beneficial owners (>5%)
# Reporting person Amount owned % of class Sole voting Shared voting Sole dispositive Shared dispositive Type Citizenship Filing date SEC filing
1 Franks, Newell A. 197.2K 7.20% 197.2K 197.2K IN United States 2005-02-03
2 Not applicable 187.2K 6.67% 187.2K 187.2K IN Number 2003-02-26

Institutional Activity (13F)

Institutional ownership trend

Institutional history not available.

Top institutional holders

Top holders not available.

ETF Ownership

Top ETFs holding this stock

This company is not held by any ETF in our universe.

Insider Activity

Insider Activity — Latest Quarter

No insider activity available.

Insider buys vs sells (history)

Insider history not available.

Recent insider transactions

No recent insider transactions.

Executive team

Top executives
EBIT / Employee
77.9K
Shares Outstanding
2.17M

Executive compensation

Executive compensation (annual)

Executive compensation not available.

CEO compensation breakdown

No CEO compensation history available.

Proxy statements

Proxy statements (DEF 14A)
Filing date Form type Filing
2005-02-08 DEFA14A
2004-03-29 DEF 14A
2003-03-26 DEF 14A
2002-04-01 DEF 14A

Recent SEC filings

Recent SEC filings
Filing date Form type Filing
2021-01-06 D
2005-08-19 SC 13G
2005-08-18 SC 13D/A
2005-04-26 4
2005-04-26 4
2005-03-10 UPLOAD
2005-03-10 UPLOAD
2005-02-23 SC 13E3/A
2005-02-23 15-12G
2005-02-08 DEFA14A

Executive team

NameTitleCompensationGender
Jason J. Hyska President, Chief Executive Officer & Director 270.9K male
Brian Hoggatt EVP, CFO & Treasurer 182.4K male
Matthew D. Scheske Executive Vice President & Chief Operating Officer 172.4K male
Tracey L. Parker Executive Vice President & Chief Risk Officer 134.0K female
Jeff Berry Controller male
Heather J. Myers Corporate Secretary
Michelle Kriser Treasurer
Robert Burch Senior Vice President male
ESG Rating
B-
BANKS - REGIONAL
2004
E (Environmental)
78.2 / 64.3
Company / Sector avg.
S (Social)
65.2 / 76.5
Company / Sector avg.
G (Governance)
64.0 / 75.5
Company / Sector avg.
ESG Total
69.1 / 72.1
Company / Sector avg.
ESG Score History BANKS - REGIONAL
Benchmark vs Sector
Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

Share your view on this stock and instantly see how the community has voted over the last 6 months.

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.

Dividend yield history

Dividend history

Earnings history

Earnings reports

Stock splits