Southern Financial Statements From 2010 to 2024

SOMC Stock  USD 19.25  0.25  1.28%   
Southern Michigan financial statements provide useful quarterly and yearly information to potential Southern Michigan Bancorp investors about the company's current and past financial position, as well as its overall management performance and changes in financial position over time. Historical trend examination of various income statement and balance sheet accounts found on Southern Michigan financial statements helps investors assess Southern Michigan's valuation, profitability, and current liquidity needs. Key fundamental drivers impacting Southern Michigan's valuation are summarized below:
Southern Michigan Bancorp does not presently have any fundamental trend indicators for analysis.
Check Southern Michigan financial statements over time to gain insight into future company performance. You can evaluate financial statements to find patterns among Southern Michigan's main balance sheet or income statement drivers, such as , as well as many indicators such as . Southern financial statements analysis is a perfect complement when working with Southern Michigan Valuation or Volatility modules.
  
This module can also supplement various Southern Michigan Technical models . Check out the analysis of Southern Michigan Correlation against competitors.

Southern Michigan Bancorp Company Return On Equity Analysis

Southern Michigan's Return on Equity or ROE tells company stockholders how effectually their money is being utilized or reinvested. It is a useful ratio when analyzing company profitability or the management effectiveness given the capital invested by the shareholders. ROE shows how efficiently a company utilizes investments to generate income.

Return On Equity

 = 

Net Income

Total Equity

More About Return On Equity | All Equity Analysis

Current Southern Michigan Return On Equity

    
  0.14  
Most of Southern Michigan's fundamental indicators, such as Return On Equity, are part of a valuation analysis module that helps investors searching for stocks that are currently trading at higher or lower prices than their real value. If the real value is higher than the market price, Southern Michigan Bancorp is considered to be undervalued, and we provide a buy recommendation. Otherwise, we render a sell signal.
For most industries, Return on Equity between 10% and 30% are considered desirable to provide dividends to owners and have funds for the future growth of the company. Investors should be very careful using ROE as the only efficiency indicator because ROE can be high if a company is heavily leveraged.
Competition

Based on the latest financial disclosure, Southern Michigan Bancorp has a Return On Equity of 0.1399. This is 90.35% lower than that of the Banks sector and significantly higher than that of the Financials industry. The return on equity for all United States stocks is 145.13% lower than that of the firm.

Southern Michigan Bancorp Fundamental Drivers Relationships

Comparative valuation techniques use various fundamental indicators to help in determining Southern Michigan's current stock value. Our valuation model uses many indicators to compare Southern Michigan value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across Southern Michigan competition to find correlations between indicators driving Southern Michigan's intrinsic value. More Info.
Southern Michigan Bancorp is currently regarded as top stock in return on equity category among its peers. It also is currently regarded as top stock in return on asset category among its peers reporting about  0.07  of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for Southern Michigan Bancorp is roughly  13.45 . Comparative valuation analysis is a catch-all model that can be used if you cannot value Southern Michigan by discounting back its dividends or cash flows. This model doesn't attempt to find an intrinsic value for Southern Michigan's Pink Sheet. Still, instead, it compares the stock's price multiples to a benchmark or nearest competition to determine if the stock is relatively undervalued or overvalued.

About Southern Michigan Financial Statements

Southern Michigan stakeholders use historical fundamental indicators, such as Southern Michigan's revenue or net income, to determine how well the company is positioned to perform in the future. Although Southern Michigan investors may analyze each financial statement separately, they are all interrelated. For example, changes in Southern Michigan's assets and liabilities are reflected in the revenues and expenses on Southern Michigan's income statement, which ultimately affect the company's gains or losses. Understanding these patterns can help in making the right long-term investment decisions in Southern Michigan Bancorp. Please read more on our technical analysis and fundamental analysis pages.
Southern Michigan Bancorp, Inc. operates as the bank holding company for Southern Michigan Bank Trust that provides a range of commercial banking services to individuals, businesses, institutions, and governmental agencies primarily in the southwest Michigan communities. The company was founded in 1871 and is based in Coldwater, Michigan. Southern Michigan operates under BanksRegional classification in the United States and is traded on OTC Exchange.

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Analyzing currently trending equities could be an opportunity to develop a better portfolio based on different market momentums that they can trigger. Utilizing the top trending stocks is also useful when creating a market-neutral strategy or pair trading technique involving a short or a long position in a currently trending equity.

Other Information on Investing in Southern Pink Sheet

Southern Michigan financial ratios help investors to determine whether Southern Pink Sheet is cheap or expensive when compared to a particular measure, such as profits or enterprise value. In other words, they help investors to determine the cost of investment in Southern with respect to the benefits of owning Southern Michigan security.