Southern Michigan Bancorp Inc (SOMC)
Southern Michigan Bancorp, Inc. is a bank holding company headquartered in Coldwater, Michigan, and listed on OTC Markets under the symbol SOMC. Through Southern Michigan Bank & Trust, it serves individuals, businesses, institutions, and government entities primarily in southwest and south-central Michigan. The company’s banking activities include a broad mix of deposit products, residential mortgage and home equity lending, auto and personal loans, and a range of commercial credit offerings such as lines of credit, term loans, commercial real estate lending, agricultural loans, letters of credit, and small business programs. It also provides trust, wealth management, custody, retirement, and estate-related services, along with treasury management, card services, online and mobile banking, bill payment, fraud protection, insurance, and other convenience services. Founded in 1871, Southern Michigan Bancorp operates as a regional banking franchise with a diversified set of retail and commercial financial services.
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| Ticker | Fair Value | Fair Value Upside/Downside | Fair Value Rating | Analyst Price Target | Analyst Target Upside/Downside | Analyst Target Rating | Overall Financial Health | Upcoming Dividend Ex-Date | Dividend Payment Date | Upcoming Dividend | Dividend Yield | Next Earnings Date | P/E Ratio | Price-to-Book Ratio | Price-to-Sales Ratio | Market Cap | Enterprise Value | Total Debt / Total Capital | Free Float / Shares Outstanding | Altman Z-Score | Payout Ratio | Free Cash Flow / Net Income |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
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OTC-SOMC
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$29.76
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-3.0% Downside
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Fair
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—
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—
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—
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Fair
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—
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—
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0.68
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2.2%
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July 24, 2026
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11.4x
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1.2x
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2.6x
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142.8 M
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—
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48.4%
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94.5%
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-1.7
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—
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162.4%
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