OTC · Financial Statements

Southern Michigan Bancorp, Inc. (SOMC) Financial Statements

$29.01 OTC: SOMC Market Cap $130.74M

Southern Michigan Bancorp, Inc. most recently reported annual revenue of $93.0M, net profit of $12.0M, revenue has compounded at 18.4% a year over the last five years. See the full income statement, balance sheet, and cash flow statement below, plus valuation and return ratios.

Annual Financials (USD)

Metric20212022202320242025
Revenue$46.0M$52.0M$47.0M$49.0M$93.0M
Operating Profit$17.0M$19.0M$17.0M$16.0M$14.0M
Net Profit$12.0M$13.0M$11.0M$10.0M$12.0M
EPS$2.58$2.97$2.40$2.28$2.63
Op Margin36.8%37.2%36.3%33.6%15.4%

Balance Sheet (USD)

Metric20212022202320242025
Total Assets$1.2B$1.3B$1.4B$1.5B$1.7B
Total Liabilities$1.1B$1.2B$1.3B$1.4B$1.6B
Cash$118.0M$76.0M$73.0M$69.0M$109.0M
Borrowings$78.0M$89.0M$147.0M$118.0M$134.0M

Cash Flow (USD)

Metric20212022202320242025
Operating Cash Flow$14.0M$13.0M$16.0M$8.0M$22.0M
Investing Cash Flow$-152.0M$-184.0M$-150.0M$-82.0M$-159.0M
Financing Cash Flow$134.0M$116.0M$65.0M$93.0M$162.0M
Net Cash Flow$20.0M$-42.0M$-6.0M$-2.0M$0
Free Cash Flow$10.0M$8.0M$8.0M$3.0M$20.0M

Valuation & Return Ratios

MetricValue
PEG Ratio—
EV / EBITDA—
FCF Yield—
Quick Ratio—
Interest Coverage—
Return 1Y19.04%
Return 3Y89.58%
Return 5Y71.90%

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