7 Undervalued Banks Stocks for Tuesday, December 26
Discover the top 7 undervalued Banks stocks for Tuesday, December 26 based on AAII’s Stock Grades.Eunice Kim
A+ Stock Grade Summary:
| VALUE: |
|
|
| GROWTH: |
|
|
| MOMENTUM: |
|
|
| EPS REVISIONS: |
|
|
| QUALITY: |
|
|
COMPANY SUMMARY
Southern Michigan Bancorp, Inc. operates as the bank holding company for Southern Michigan Bank & Trust that provides a range of commercial banking services to individuals, businesses, institutions, and government agencies primarily in the southwest and south-central Michigan communities. Its deposit products include interest and non-interest checking, savings, and various types of money market accounts; time, savings, and demand deposits; and certificates of deposit. The company also provides home mortgages and equity loans, home equity lines of credit, and auto/personal loans; business loans, such as lines of credit, term loans, commercial real estate loans, commercial and industrial loans, agriculture loans, letters of credit, small business administration loans, and capital access loans; industrial, construction, real estate, and inventory loans; and consumer lending products comprising direct and indirect loans to purchasers of residential real property and consumer goods. In addition, it offers trust and investment services that include investment management, trustee, IRA rollovers and retirement plans, institutional and personal custody, estate settlement, wealth management, estate and wealth transfer planning assistance, charitable gift planning assistance, and cash management custody services, as well as safe deposit box and automated teller machine services. Further, the company provides treasury services, such as cash management, ACH services, business bill pay, e-statements, merchant services, payroll cards, positive pay, remote deposit capture, and wire transfers, as well as ATM, debit, credit, pay, prepaid, and gift cards; municipal, online, and mobile banking; life insurance; and bill payment and fraud protection services. The company was founded in 1871 and is based in Coldwater, Michigan.
Commentary & Analysis
Is Southern Michigan Bancorp Inc (SOMC) Stock a Good Investment?
Learn more about Southern Michigan Bancorp Inc's (SOMC) stock grades for Value and Growth and determine whether this Banks stock meets your investment needs.Jack Gilleland
Is Southern Michigan Bancorp Inc (SOMC) a Good Dividend Stock?
Learn more about Southern Michigan Bancorp Inc's (SOMC) dividend history and yield. Also, check out how they are graded based on valuation, growth and strength.Zach Banning
Financial Summary
| Share Statistics | SOMC | Industry Median |
Percentile (All Stocks) |
|
| Market Cap (Mil) | $144.2 | $730.8 | 24% |
|
| Shares Out (Mil) | 4.7 | 15.2 | 13% |
|
| Institutional Ownership | na | 83.5% | na |
|
| Float (Mil) | na | 21.7 | na |
|
| Beta | 0.19 | 0.45 | 13% |
|
| Avg Daily Volume (000s) | 7 | 45 | 16% |
|
| Price Change (52-week) |
80.8% | 93.1% | 89% |
|
| Growth | SOMC | Industry Median |
Percentile (All Stocks) |
|
| Sales (5yr) | 10.7% | 7.7% | 61% |
|
| Net Income (5yr) | 10.5% | 11.1% | 56% |
|
| EPS (5yr) | 10.4% | 10.1% | 47 |
|
| Dividends (5yr) | 6.8% | 3.7% | 72% |
|
| Cash Flow (5yr) | 5.6% | (17.2%) | 67% |
|
| Estimates | Qtrly | Current Fiscal Year |
Next Fiscal Year |
|
| # of Estimates | na | na | na | |
| Current EPS | na | na | na | |
| Month Ago EPS | na | na | na | |
| # Rev Up | na | na | na | |
| # Rev Down | na | na | na | |
| Three Months Ago EPS | na | na | na | |
| Year/Year Chg | na | na | na | |
| Financials | SOMC | Industry Median |
Percentile (All Stocks) |
|
| Sales (TTM) (Mil) | $54 | $195 | 21% |
|
| Net Income (TTM) (Mil) | $12 | $55 | 47% |
|
| EPS (TTM) | $2.647 | $2.500 | 76% |
|
| Operating Cash Flow (TTM) (Mil) | $22 | $33 | 42% |
|
| Net Cash Flow (TTM) (Mil) | na | $2 | na |
|
| Long-Term Debt (Q1) (Mil) | $136 | $99 | 47% |
|
| Enterprise Value (Q1) (Mil) | na | $0 | na |
|
| Valuation | SOMC | Industry Median |
Percentile (All Stocks) |
|
| P/B | 1.18 | 1.23 | 29% |
|
| P/E | 11.8 | 12.3 | 24% |
|
| Dividend Yield | 2.2% | 2.2% | 78% |
|
| PEG (5yr hist) | 1.1 | 1.1 | 50% |
|
| Ratios | SOMC | Industry Median |
Percentile (All Stocks) |
|
| Gross Margin | na | 63.7% | na |
|
| Net Margin | 21.3% | 29.2% | 80% |
|
| ROA | 0.9% | 1.1% | 45% |
|
| ROE | 11.1% | 11.3% | 60% |
|
| Liabilities to Assets | 92.8% | 89.7% | 90% |
|
| F-Score | 4 | 4 | 33% |
|
Southern Michigan Bancorp, Inc. did not pass any screens on 9/1/2026.
