What is the fair value of Sturgis Bancorp Inc (OTC-STBI) stock?

The current fair value estimate for Sturgis Bancorp Inc (OTC-STBI) is $28.11. This implies an estimated downside of 3.1% versus the current market price.

Is Sturgis Bancorp Inc (OTC-STBI) undervalued or overvalued?

Based on the current fair value estimate, the stock appears overvalued, with estimated downside of 3.1% versus the current market price.

How is the financial health of Sturgis Bancorp Inc?

The current financial health read for Sturgis Bancorp Inc (OTC-STBI) is Good. This should be reviewed alongside valuation, profitability, debt and cash-flow quality metrics.

When is Sturgis Bancorp Inc's next earnings date?

The next earnings date currently listed for Sturgis Bancorp Inc (OTC-STBI) is February 26, 2027.

Does Sturgis Bancorp Inc (OTC-STBI) pay dividends?

Based on the current data, dividend yield is 2.5%, ex-dividend date is November 13, 2026, payment date is December 15, 2026.

What is the P/E ratio for Sturgis Bancorp Inc (OTC-STBI)?

The current P/E ratio listed for Sturgis Bancorp Inc (OTC-STBI) is 7.0x. Use it together with growth, margins and sector comparisons rather than as a standalone valuation signal.

What is the market capitalization of Sturgis Bancorp Inc?

The current market capitalization listed for Sturgis Bancorp Inc is 63.123 M.

What is the ticker symbol for Sturgis Bancorp Inc?

The ticker symbol for Sturgis Bancorp Inc is OTC-STBI, and the stock is listed on OTC Markets.

Where is Sturgis Bancorp Inc (OTC-STBI) listed?

Sturgis Bancorp Inc (OTC-STBI) is listed on OTC Markets.

What is the debt-to-total-capital ratio for Sturgis Bancorp Inc?

The current debt-to-total-capital ratio listed for Sturgis Bancorp Inc is 39.1%, which helps investors evaluate the company’s financing structure and leverage profile.

What is the free float for Sturgis Bancorp Inc?

The free float listed for Sturgis Bancorp Inc is 93.4%. Free float helps investors understand how much of the share base is available for public trading.

Sturgis Bancorp Inc (STBI) Fair Value & Stock Analysis

Sturgis Bancorp Inc (STBI)

Sturgis Bancorp Inc is a bank holding company headquartered in Sturgis, Michigan, and its common stock is quoted on OTC Markets under the symbol STBI. Through Sturgis Bank & Trust Company, the firm provides banking and related financial services to customers in Michigan. Its product set includes checking, savings, health savings, and money market accounts, along with certificates of deposit and individual retirement accounts. The company also extends a range of lending products, such as mortgage, auto, personal, home equity, commercial real estate, government-supported, and equipment and machinery loans, as well as credit cards and business lines of credit. Beyond core banking, it offers private banking, cash management, trust and estate services, investment and advisory services, insurance and title products, and digital banking tools. Founded in 1905, Sturgis Bancorp operates through 14 bank facilities and four standalone ATMs across 12 Michigan communities.

Stock Summary Fair Value Profitability & Growth Quality & Risk Events & Dividends Market Outlook FAQ

Jump directly to the stock analysis sections supported by the latest available data.

Data update note: Fair value and stock analysis metrics are updated after regular market sessions when new data becomes available.

Ticker	Fair Value	Fair Value Upside/Downside	Fair Value Rating	Analyst Price Target	Analyst Target Upside/Downside	Overall Financial Health	Upcoming Dividend Ex-Date	Dividend Payment Date	Dividend Yield	Next Earnings Date	P/E Ratio	Price-to-Book Ratio	Price-to-Sales Ratio	Market Cap	Total Debt / Total Capital	Free Float / Shares Outstanding	Altman Z-Score
OTC-STBI	$28.11	-3.1% Downside	Fair	Not available	Not available	Good	November 13, 2026	December 15, 2026	2.5%	February 26, 2027	7.0x	1.0x	1.4x	63.123 M	39.1%	93.4%	-2.0