SOMC (Southern Michigan Bancorp) Volatility: 18.07% (As of Jun. 24, 2026)


What is Southern Michigan Bancorp Volatility?

Southern Michigan Bancorp SOMC Volatility is 18.07% as of Jun. 24, 2026.

Volatility is a statistical measure of the dispersion of returns for a given security or market index, it shows how the price swings around its mean. The volatility here is measured as the annualized standard deviation between monthly returns from the security over the past year. In most cases, the higher the volatility, the riskier the security.

As of today (2026-06-24), Southern Michigan Bancorp's Volatility is 18.07%.

Southern Michigan Bancorp  (OTCPK:SOMC) Volatility Explanation

Volatility is a statistical measure of the dispersion of returns for a given security or market index. It’s often measured as standard deviation or variance of historical returns over a certain period. The volatility here is measured as the annualized standard deviation between monthly returns from the security over the past year.

Volatility reflects the uncertainty or risk of a security’s value. Generally speaking, a higher volatility suggests a higher risk, because it implies a wider fluctuation around average price. This means the price of the security can change dramatically in either direction within a short period. Conversely, a lower volatility means that the security's price is more steady, which suggests a lower risk.

Another measurement of relative volatility is Beta. Beta is a measure of systematic risk of a security or a portfolio in comparison to the market as a whole. Beta is usually compared to 1. A beta of greater than 1 indicates that the security's price will be more volatile than the market.

Southern Michigan Bancorp Volatility Related Terms

SOMC vs UBNC, EMCF, AMRB: Volatility Comparison

For the Banks - Regional subindustry, Southern Michigan Bancorp's Volatility, along with its competitors' market caps and Volatility 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 Volatility vs Banks Industry

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

* The bar in red indicates where Southern Michigan Bancorp's Volatility falls into.


Southern Michigan Bancorp  (OTCPK:SOMC) Volatility Calculation

The annualized volatility is calculated as following:

σA=σM * √12
=√ 1/(n-1) ∑(Ri - R')^2 * √12

Where: σM is the monthly volatility, n is the number of months in the period, Ri is the security's historical monthly returns and R' is the arithmetic mean of monthly returns.

* 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 Volatility →
What does a Volatility of 18.07% mean?
Southern Michigan Bancorp (SOMC) has a Volatility of 18.07% as of Jun. 24, 2026. Volatility is measured as the annualized standard deviation between monthly returns from the security over the past year. View historical data on Southern Michigan Bancorp and its competitors.
Is Southern Michigan Bancorp's Volatility too high?
Southern Michigan Bancorp's current Volatility is 18.07%.
How does Southern Michigan Bancorp's Volatility compare to UBNC and EMCF?
Southern Michigan Bancorp's Volatility of 18.07% can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Volatility for a Banks company?
A good Volatility depends on the Banks industry context. However, Volatility 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 Volatility mean?
A high Volatility can signal that a stock is expensive relative to its fundamentals. Volatility is measured as the annualized standard deviation between monthly returns from the security over the past year. View historical data on Southern Michigan Bancorp and its competitors. Southern Michigan Bancorp's current Volatility is 18.07%. 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 Volatility of 18.07%. The current Volatility is 18.07%. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Volatility calculated?
Volatility is calculated from a company's financial statements. For Southern Michigan Bancorp (SOMC), the current Volatility is 18.07% as of Jun. 24, 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.