Southern Michigan Financials
| SOMC Stock | USD 19.25 0.25 1.28% |
Southern |
Please note, the presentation of Southern Michigan's financial position, as portrayed in its financial statements, is often influenced by management's estimates, judgments, and sometimes even manipulations. In the best case, Southern Michigan's management is honest, while the outside auditors are strict and uncompromising. Please utilize our Beneish M Score to check the likelihood of Southern Michigan's management manipulating its earnings.
Southern Michigan Stock Summary
Southern Michigan competes with FS Bancorp, Eastern Michigan, Grand River, Bank of Botetourt, and Century Financial. 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.| Instrument | USA Pink Sheet View All |
| Exchange | PINK Exchange |
| ISIN | US84336P1030 |
| Business Address | 51 West Pearl |
| Sector | Banks |
| Industry | Financials |
| Benchmark | Dow Jones Industrial |
| Website | www.smb-t.com |
| Phone | 517 279 5500 |
| Currency | USD - US Dollar |
Southern Michigan Key Financial Ratios
Southern Michigan's financial ratios allow both analysts and investors to convert raw data from Southern Michigan's financial statements into concise, actionable information that can be used to evaluate the performance of Southern Michigan over time and compare it to other companies across industries.Southern Financial Ratios 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 rated second in return on equity category among its peers. It is rated fourth 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.Southern Michigan Bancorp Systematic Risk
Southern Michigan's systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. Southern Michigan volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
The output start index for this execution was fourteen with a total number of output elements of fourty-seven. The Beta measures systematic risk based on how returns on Southern Michigan Bancorp correlated with the market. If Beta is less than 0 Southern Michigan generally moves in the opposite direction as compared to the market. If Southern Michigan Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one Southern Michigan Bancorp is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of Southern Michigan is generally in the same direction as the market. If Beta > 1 Southern Michigan moves generally in the same direction as, but more than the movement of the benchmark.
Southern Michigan December 13, 2024 Opportunity Range
Along with financial statement analysis, the daily predictive indicators of Southern Michigan help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of Southern Michigan Bancorp. We use our internally-developed statistical techniques to arrive at the intrinsic value of Southern Michigan Bancorp based on widely used predictive technical indicators. In general, we focus on analyzing Southern Pink Sheet price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build Southern Michigan's daily price indicators and compare them against related drivers.
| Downside Deviation | 1.15 | |||
| Information Ratio | 0.0746 | |||
| Maximum Drawdown | 5.07 | |||
| Value At Risk | (1.28) | |||
| Potential Upside | 1.43 |
Complementary Tools for Southern Pink Sheet analysis
When running Southern Michigan's price analysis, check to measure Southern Michigan's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Southern Michigan is operating at the current time. Most of Southern Michigan's value examination focuses on studying past and present price action to predict the probability of Southern Michigan's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Southern Michigan's price. Additionally, you may evaluate how the addition of Southern Michigan to your portfolios can decrease your overall portfolio volatility.
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