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Southern Michigan Bancorp Inc
OTC:SOMC

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Southern Michigan Bancorp Inc Logo
Southern Michigan Bancorp Inc
OTC:SOMC
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Price: 25.45 USD
Market Cap: $116.6m
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Financials Section:
Income Statement Balance Sheet Cash Flow Statement

Income Statement

Net Interest Income
+
3Y
-
5Y
-
10Y
+122%
Non Interest Income
+
3Y
-
5Y
-
10Y
+5%
Net Income
+
3Y
-
5Y
-
10Y
+210%

Income Statement
Southern Michigan Bancorp Inc

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Income Statement
Currency: USD
Dec-2004 Mar-2005 Jun-2005 Sep-2005 Dec-2005 Mar-2006 Jun-2006 Sep-2006 Dec-2006 Mar-2007 Jun-2007 Sep-2007 Dec-2007 Mar-2008 Jun-2008 Sep-2008 Dec-2008 Mar-2009 Jun-2009 Sep-2009 Dec-2009 Mar-2010 Jun-2010 Sep-2010 Dec-2010 Mar-2011 Jun-2011 Sep-2011 Dec-2011 Mar-2012 Jun-2012 Sep-2012 Dec-2012 Mar-2021 Jun-2021 Sep-2021 Dec-2021 Mar-2022 Jun-2022 Sep-2022 Dec-2022
Revenue
Net Interest Income
12
12
13
13
13
14
14
14
15
15
15
15
15
16
17
18
18
17
17
17
17
16
16
16
16
16
16
16
16
16
16
17
17
8
16
25
33
34
35
36
38
Interest Income
17
17
17
18
19
20
20
21
21
22
22
23
24
25
26
26
26
24
23
22
22
22
21
21
20
20
20
20
19
20
20
20
20
9
18
27
37
38
39
41
44
Interest Expense
4
4
5
5
5
6
6
6
7
7
8
8
9
9
9
9
8
7
7
6
5
5
5
5
4
4
4
4
4
4
3
3
3
1
2
3
4
4
4
4
6
Non Interest Income
4
4
4
4
4
4
4
4
4
4
4
4
4
5
6
6
6
6
7
7
7
7
7
7
7
7
7
7
6
7
7
7
7
2
5
7
9
9
8
8
7
Revenue
17
N/A
17
+0%
17
+2%
17
+2%
18
+2%
18
+2%
18
+1%
18
+1%
19
+1%
19
+0%
19
+0%
19
+0%
19
+2%
21
+11%
23
+6%
24
+6%
24
+1%
23
-4%
23
+2%
23
-1%
24
+2%
24
+0%
23
-2%
23
+1%
23
-3%
23
+2%
23
-1%
22
-2%
22
-2%
23
+3%
23
+2%
24
+3%
24
+2%
10
-58%
20
+101%
31
+54%
42
+35%
42
+0%
43
+2%
44
+2%
45
+3%
Pre-Tax Income
Loan Loss Provision
0
(0)
(0)
(1)
(1)
(1)
(1)
(0)
(1)
(1)
(1)
(1)
(1)
(1)
(2)
(3)
(5)
(6)
(6)
(5)
(3)
(1)
(1)
(1)
(1)
(1)
(2)
(1)
(1)
(1)
(1)
(1)
(1)
0
(0)
(1)
(2)
(2)
(1)
(0)
(0)
Non Interest Expense
(12)
(12)
(12)
(11)
(12)
(12)
(12)
(13)
(13)
(12)
(12)
(12)
(13)
(15)
(16)
(18)
(19)
(19)
(19)
(19)
(19)
(19)
(19)
(18)
(17)
(18)
(17)
(17)
(17)
(17)
(17)
(17)
(17)
(6)
(13)
(19)
(27)
(27)
(28)
(29)
(29)
Pre-Tax Income
5
N/A
5
+2%
5
+1%
5
+3%
5
-1%
5
+1%
5
+2%
5
+2%
6
+3%
6
+1%
6
+1%
6
+1%
6
-2%
6
+1%
4
-21%
3
-38%
0
-98%
(2)
N/A
(1)
+30%
(0)
+84%
2
N/A
3
+69%
4
+4%
4
+5%
4
+3%
4
+4%
4
-2%
4
+0%
4
+11%
5
+8%
5
+8%
5
+7%
6
+5%
4
-35%
7
+96%
11
+52%
14
+27%
14
-2%
14
+3%
15
+4%
16
+8%
Net Income
Tax Provision
(1)
(1)
(1)
(1)
(1)
(1)
(1)
(1)
(1)
(2)
(2)
(2)
(1)
(1)
(1)
(0)
1
1
1
1
(0)
(1)
(1)
(1)
(1)
(1)
(1)
(1)
(1)
(1)
(1)
(1)
(1)
(1)
(1)
(2)
(2)
(2)
(2)
(3)
(3)
Income from Continuing Operations
4
4
4
4
4
4
4
4
4
4
4
4
4
4
4
3
1
(1)
(0)
0
2
3
3
3
3
3
3
3
3
4
4
4
4
3
6
9
12
12
12
12
13
Net Income (Common)
4
N/A
4
+1%
4
+2%
4
+1%
4
+1%
4
+2%
4
+1%
4
+2%
4
+1%
4
+1%
4
+1%
4
+1%
4
-1%
4
+5%
4
-17%
3
-29%
1
-69%
(1)
N/A
(0)
+61%
0
N/A
2
+296%
3
+50%
3
+2%
3
+3%
3
+1%
3
+1%
3
-1%
3
+1%
3
+9%
4
+8%
4
+7%
4
+7%
4
+4%
3
-29%
6
+97%
9
+51%
12
+27%
12
-1%
12
+3%
12
+4%
13
+9%
EPS (Diluted)
0.93
N/A
0.99
+6%
1.04
+5%
1.05
+1%
1.09
+4%
1.09
N/A
1.11
+2%
1.13
+2%
1.13
N/A
1.15
+2%
1.16
+1%
1.18
+2%
1.06
-10%
0.94
-11%
0.68
-28%
0.61
-10%
0.17
-72%
-0.14
N/A
-0.06
+57%
0.1
N/A
0.42
+320%
0.63
+50%
0.64
+2%
0.66
+3%
0.67
+2%
0.68
+1%
0.67
-1%
0.67
N/A
0.73
+9%
0.78
+7%
0.84
+8%
0.9
+7%
0.92
+2%
0.68
-26%
1.34
+97%
2.03
+51%
2.59
+28%
2.56
-1%
2.64
+3%
2.71
+3%
2.97
+10%

See Also

Summary
SOMC intrinsic value, competitors valuation, and company profile.
DCF Valuation
SOMC stock valuation using Discount Cash Flow valuation method.
Relative Valuation
SOMC stock valuation using valuation multiples.
Wall Street Estimates
SOMC price targets and financial estimates made by Wall st analysts.
Profitability Analysis
Detailed analysis of the company's profitability.
Solvency Analysis
Analysis of the financial position and solvency of the company.
Financials
Income Statement, Balance Sheet, Cash Flow Statement.
Discount Rate
SOMC stock discount rate: cost of equity and WACC.
Summary
DCF Valuation
Relative Valuation
Wall Street Estimates
Profitability Analysis
Solvency Analysis
Financials
Discount Rate
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