SOMC (Southern Michigan Bancorp) FCF Yield %: 0.00 (As of Sep. 10, 2026)

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What is Southern Michigan Bancorp FCF Yield %?

Southern Michigan Bancorp SOMC +1.58% FCF Yield % is 0.00 as of Sep. 10, 2026.

FCF Yield % is calculated as Free Cash Flow divided by Market Capitalization. It is a financial solvency ratio that compares the free cash flow a company is expected to earn against its market value.

As of today, Southern Michigan Bancorp's Trailing 12-Month Free Cash Flow is $10.71 Mil, and Market Cap is $141.62 Mil. Therefore, Southern Michigan Bancorp's FCF Yield % for today is 0.00%.

The historical rank and industry rank for Southern Michigan Bancorp's FCF Yield % or its related term are showing as below:


SOMC's FCF Yield % is not ranked *
in the Banks industry.
Industry Median: 8.29
* Ranked among companies with meaningful FCF Yield % only.

Southern Michigan Bancorp's FCF Margin % for the quarter that ended in Dec. 2018 was 0.00%.

Southern Michigan Bancorp FCF Yield % Explanation

Similar to Earnings Yield %, FCF Yield % is financial solvency ratio. A lower ratio suggests a less attractive investment, indicating that investors might not receive substantial returns in proportion to their investment. Conversely, a high free cash flow yield signals that a company generates sufficient cash to comfortably meet its debts, obligations, and dividend payments, making it a promising investment choice.

Southern Michigan Bancorp FCF Yield % Related Terms

Southern Michigan Bancorp FCF Yield % Historical Data

* Premium members only.

The historical data trend for Southern Michigan Bancorp's FCF Yield % can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Southern Michigan Bancorp FCF Yield % Chart

Southern Michigan Bancorp Annual Data
Trend Dec09 Dec10 Dec11 Dec12 Dec13 Dec14 Dec15 Dec16 Dec17 Dec18
FCF Yield %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 14.24 11.00 8.89 4.77 12.14

Southern Michigan Bancorp Quarterly Data
Mar14 Jun14 Sep14 Dec14 Mar15 Jun15 Sep15 Dec15 Mar16 Jun16 Sep16 Dec16 Mar17 Jun17 Sep17 Dec17 Mar18 Jun18 Sep18 Dec18
FCF Yield % Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.00 0.00 0.00 0.00 0.00

SOMC vs UBNC, EMCF, AMRB: FCF Yield % Comparison

For the Banks - Regional subindustry, Southern Michigan Bancorp's FCF Yield %, along with its competitors' market caps and FCF Yield % data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

Southern Michigan Bancorp FCF Yield % vs Banks Industry

For the Banks industry and Financial Services sector, Southern Michigan Bancorp's FCF Yield % distribution charts can be found below:

* The bar in red indicates where Southern Michigan Bancorp's FCF Yield % falls into.


Southern Michigan Bancorp FCF Yield % Calculation

FCF Yield % is a financial solvency ratio that compares the free cash flow a company is expected to earn against its market value.

Southern Michigan Bancorp's FCF Yield % for the fiscal year that ended in Dec. 2018 is calculated as

FCF Yield %=Free Cash Flow / Market Cap
=10.713 / 88.22055
=12.14%

Southern Michigan Bancorp's annualized FCF Yield % for the quarter that ended in Dec. 2018 is calculated as

FCF Yield %=Free Cash Flow * Annualized Factor / Market Cap
=0 * 4 / 88.22055
=0.00%

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Frequently Asked Questions Learn more about FCF Yield % →
What does a FCF Yield % of 0.00 mean?
Southern Michigan Bancorp (SOMC) has a FCF Yield % of 0.00 as of Sep. 10, 2026. FCF Yield is calculated as Free Cash Flow divided by Market Capitalization. View historical data on Southern Michigan Bancorp and its competitors.
Is Southern Michigan Bancorp's FCF Yield % too high?
Southern Michigan Bancorp's current FCF Yield % is 0.00.
How does Southern Michigan Bancorp's FCF Yield % compare to UBNC and EMCF?
Southern Michigan Bancorp's FCF Yield % of 0.00 can be compared against companies in the Banks industry. The industry median FCF Yield % is 8.29. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good FCF Yield % for a Banks company?
The median FCF Yield % among Banks companies is 8.29, based on 1,489 companies in the industry. Companies in the top quartile (top 25%) have a FCF Yield % significantly above this median, while those in the bottom quartile fall well below. However, FCF Yield % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high FCF Yield % mean?
A high FCF Yield % can signal that a stock is expensive relative to its fundamentals. FCF Yield is calculated as Free Cash Flow divided by Market Capitalization. View historical data on Southern Michigan Bancorp and its competitors. For the Banks industry, the median FCF Yield % is 8.29 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Southern Michigan Bancorp's current FCF Yield % is 0.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Southern Michigan Bancorp stock overvalued right now?
Southern Michigan Bancorp (SOMC) has a current FCF Yield % of 0.00. The current FCF Yield % is 0.00. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Yield % calculated?
FCF Yield % is calculated from a company's financial statements. For Southern Michigan Bancorp (SOMC), the current FCF Yield % is 0.00 as of Sep. 10, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Southern Michigan Bancorp Business Description

Address 51 West Pearl Street, Coldwater, MI, USA, 49036
Southern Michigan Bancorp Inc is a United States-based financial holding company. The majority of its operations are carried out by its banking subsidiary, which offers individuals, businesses, institutions, and government agencies a full range of commercial banking products and services. These products and services include time, savings, and demand deposits; safe deposit box services; automated teller machine services; loans, including both commercial and consumer; investment management; trustee services, etc. The Group mainly caters to the communities located in Michigan through its banking and loan production offices. It has one reportable operating segment: commercial banking.