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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 4/10

GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 3/10

» SOMC's 10-Y Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

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Dividend & Buy Back

Dividend Yield 2.56
SOMC's Dividend Yield is ranked lower than
54% of the 2316 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.77 vs. SOMC: 2.56 )
Ranked among companies with meaningful Dividend Yield only.
SOMC' s 10-Year Dividend Yield Range
Min: 0  Med: 0.00 Max: 2.6
Current: 2.56
Dividend Payout 0.14
SOMC's Dividend Payout is ranked higher than
87% of the 1357 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. SOMC: 0.14 )
Ranked among companies with meaningful Dividend Payout only.
SOMC' s 10-Year Dividend Payout Range
Min: 0  Med: 0.00 Max: 0
Current: 0.14
Yield on cost (5-Year) 2.60
SOMC's Yield on cost (5-Year) is ranked lower than
60% of the 2322 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.19 vs. SOMC: 2.60 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
SOMC' s 10-Year Yield on cost (5-Year) Range
Min: 0  Med: 0.00 Max: 2.6
Current: 2.6

Valuation & Return


Analyst Estimate

Dec13 Dec14 Dec15
EPS($) 2.62 2.59 2.55
EPS without NRI($) 2.62 2.59 2.55

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
Southern Michigan Bancorp was incorporated on March 1, 1982 and is registered under the Bank Holding Company Act of 1956. The Company is a bank holding company for Southern Michigan Bank & Trust. The Bank provides commercial banking products and services to individuals, businesses, institutions, and government agencies in the southwest Michigan communities. The Company accepts a range of deposit products, such as non-interest bearing demand deposits, interest bearing demand deposits, checking accounts, time deposits, savings accounts, money market accounts, and certificates of deposits. It provides commercial and agricultural loans; commercial, residential, and construction real estate loans; and consumer loans. In addition, the company offers trust and investment services, which include investment management, trustee services, IRA rollovers and retirement plans, institutional and personal custody, estate settlement, wealth management, estate planning assistance, wealth transfer planning assistance, charitable gift planning assistance, and cash management custody. It operates 15 banking offices in Battle Creek, Camden, Centreville, Coldwater, Constantine, Hillsdale, Marshall, Mendon, Tekonsha, Three Rivers, and Union City, Michigan. As a bank holding company, the Company is subject to the regulation and supervision of the Federal Reserve Board.

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