SOMC (Southern Michigan Bancorp) 5-Year Yield-on-Cost %: 2.10 (As of Sep. 10, 2026)

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What is Southern Michigan Bancorp 5-Year Yield-on-Cost %?

Southern Michigan Bancorp SOMC +1.58% 5-Year Yield-on-Cost % is 2.10 as of Sep. 10, 2026.

Southern Michigan Bancorp's yield on cost for the quarter that ended in Dec. 2018 was 2.10.


The historical rank and industry rank for Southern Michigan Bancorp's 5-Year Yield-on-Cost % or its related term are showing as below:

SOMC' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0   Med: 0   Max: 2.1
Current: 2.1

During the past 13 years, Southern Michigan Bancorp's highest Yield on Cost was 2.10. The lowest was 0.00. And the median was 0.00.


SOMC's 5-Year Yield-on-Cost % is not ranked
in the Banks industry.
Industry Median: 3.81 vs SOMC: 2.10

Southern Michigan Bancorp  (OTCPK:SOMC) 5-Year Yield-on-Cost % Explanation

Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.

Southern Michigan Bancorp 5-Year Yield-on-Cost % Related Terms

SOMC vs UBNC, EMCF, AMRB: 5-Year Yield-on-Cost % Comparison

For the Banks - Regional subindustry, Southern Michigan Bancorp's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % vs Banks Industry

For the Banks industry and Financial Services sector, Southern Michigan Bancorp's 5-Year Yield-on-Cost % distribution charts can be found below:

* The bar in red indicates where Southern Michigan Bancorp's 5-Year Yield-on-Cost % falls into.


Southern Michigan Bancorp 5-Year Yield-on-Cost % Calculation

Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.

Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.

Therefore, Yield-on-Cost of Southern Michigan Bancorp is calculated as

Yield-on-Cost=Dividend Yield %*(1+Dividend Growth Rate)^5
Frequently Asked Questions Learn more about 5-Year Yield-on-Cost % →
What does a 5-Year Yield-on-Cost % of 2.10 mean?
Southern Michigan Bancorp (SOMC) has a 5-Year Yield-on-Cost % of 2.10 as of Sep. 10, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Southern Michigan Bancorp and its competitors.
Is Southern Michigan Bancorp's 5-Year Yield-on-Cost % too high?
Southern Michigan Bancorp's current 5-Year Yield-on-Cost % is 2.10. The Banks industry median 5-Year Yield-on-Cost % is 3.81. Southern Michigan Bancorp's value of 2.10 is 44.9% below this industry median.
How does Southern Michigan Bancorp's 5-Year Yield-on-Cost % compare to UBNC and EMCF?
Southern Michigan Bancorp's 5-Year Yield-on-Cost % of 2.10 can be compared against companies in the Banks industry. The industry median 5-Year Yield-on-Cost % is 3.81. Southern Michigan Bancorp's value of 2.10 is 44.9% below this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 5-Year Yield-on-Cost % for a Banks company?
The median 5-Year Yield-on-Cost % among Banks companies is 3.81, based on 1,241 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Southern Michigan Bancorp's current 5-Year Yield-on-Cost % of 2.10 is 44.9% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Southern Michigan Bancorp and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.81 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Southern Michigan Bancorp's current 5-Year Yield-on-Cost % is 2.10. 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 5-Year Yield-on-Cost % of 2.10. The current 5-Year Yield-on-Cost % is 2.10 and 44.9% below the Banks industry median of 3.81. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For Southern Michigan Bancorp (SOMC), the current 5-Year Yield-on-Cost % is 2.10 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.