Financial Snapshot

Revenue
Gross Margin
Net Earnings
$13.49M
TTM
Current Assets
Current Liabilities
$13.55M
Q4 2022
Current Ratio
Total Assets
$1.277B
Q4 2022
Total Liabilities
$1.190B
Q4 2022
Book Value
$86.16M
Q4 2022
Cash
P/E
6.287
Apr 25, 2023 EST
Free Cash Flow

Revenues

Revenues

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Revenue YoY Change

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Revenues

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Expenses

Cost Of Revenues

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Gross Profit

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Gross Profit Margin

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Gross Profit

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Selling, General & Admin Expense

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Research & Development

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Depreciation, Depletion & Amortization

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SGA Expense to Gross Profit Ratio

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R&D To Gross Profit Ratio

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DDA To Gross Profit Ratio

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Operating Expenses Total

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Operating Profits/Loss

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Operational Expenses

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Interest Expenses

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Interest Expenses To Operating Income %

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Other Expense/Income

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Interest & Other Expense/Income

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Income/Loss

Pretax Income

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Income Tax

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Net Profits/Loss

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Pretax Income YoY Change

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Income Tax Rate

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Net Profits/Loss YoY Change

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Basic EPS

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Net Income To Revenue Ratio

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Pretax & Net Income

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Assets & Liabilities

Cash & Short-Term Investments

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Cash & Equivalents

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Cash To Operating Expenses Ratio

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Inventory

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Receivables

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Total Short-Term Assets

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Property, Plant And Equipment

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Long-Term Investments

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Total Long-Term Assets

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Total Assets

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Net Income To Total Assets Percentage

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Accounts Payable

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Short-Term Debt

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Long Term Debt Due

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Total Short-Term Liabilities

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Long-Term Debt

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Other Long-Term Liabilities

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Total Long-Term Liabilities

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Total Liabilities

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Short-Term To Long-Term Debt Ratio

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Short-Term Assets To Debt Ratio

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Long-Term Debt To Net Income Ratio

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Assets & Liabilities

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Ownership

Basic Shares Outstanding

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Diluted Shares Outstanding

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Preferred Stock

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Treasury Stock Shares

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Stock Issuance & Repurchase

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Ownership Data

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Return On Shareholders' Equity

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Book Value

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Free Cash Flow

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Free Cash Flow YoY

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Free Cash Flow Margin

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Dividends

Dividends

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Stock Price

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Market Cap: $84.818 Million

About SOUTHERN MICHIGAN BANCORP INC

Southern Michigan Bancorp, Inc. operates as a bank holding company. The company is headquartered in Coldwater, Michigan. The Bank offers individuals, businesses, institutions and governmental agencies a full range of commercial banking services, primarily in southern Michigan communities. The company offers a variety of deposit, payment, credit, and other financial services to all types of customers. These services include time, savings, and demand deposits; safe deposit box services, and automated teller machine services. The company offers trust and investment services, which include investment management, trustee services, institutional and personal custody, estate settlement, wealth management, estate planning assistance, wealth transfer planning assistance, charitable gift planning assistance, and cash management custody. The Bank operates approximately 13 branches within Battle Creek, Centreville, Coldwater, Constantine, Hillsdale, Marshall, Mendon, Portage, Tekonsha, Three Rivers and Union City.

Industry: State Commercial Banks Peers: COMMUNITY BANCORP /VT ENB Financial Corp PNC Financial Services Group Inc QNB Corp