Southern Michigan Bancorp (OTCMKTS:SOMC – Get Rating) is one of 318 public companies in the “State commercial banks” industry, but how does it weigh in compared to its competitors? We will compare Southern Michigan Bancorp to related companies based on the strength of its analyst recommendations, valuation, earnings, profitability, institutional ownership, dividends and risk.
Insider & Institutional Ownership
50.8% of shares of all “State commercial banks” companies are held by institutional investors. 11.1% of shares of all “State commercial banks” companies are held by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock will outperform the market over the long term.
Dividends
Southern Michigan Bancorp pays an annual dividend of $0.52 per share and has a dividend yield of 2.7%. Southern Michigan Bancorp pays out 17.5% of its earnings in the form of a dividend. As a group, “State commercial banks” companies pay a dividend yield of 3.0% and pay out 26.7% of their earnings in the form of a dividend.
Analyst Recommendations
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Southern Michigan Bancorp | 0 | 0 | 0 | 0 | N/A |
| Southern Michigan Bancorp Competitors | 859 | 7547 | 6593 | 305 | 2.41 |
As a group, “State commercial banks” companies have a potential upside of 45.58%. Given Southern Michigan Bancorp’s competitors higher probable upside, analysts plainly believe Southern Michigan Bancorp has less favorable growth aspects than its competitors.
Earnings and Valuation
This table compares Southern Michigan Bancorp and its competitors revenue, earnings per share and valuation.
| Gross Revenue | Net Income | Price/Earnings Ratio | |
| Southern Michigan Bancorp | $51.51 million | $13.49 million | 6.40 |
| Southern Michigan Bancorp Competitors | $1.61 billion | $329.48 million | 8.56 |
Southern Michigan Bancorp’s competitors have higher revenue and earnings than Southern Michigan Bancorp. Southern Michigan Bancorp is trading at a lower price-to-earnings ratio than its competitors, indicating that it is currently more affordable than other companies in its industry.
Risk & Volatility
Southern Michigan Bancorp has a beta of 0.29, indicating that its stock price is 71% less volatile than the S&P 500. Comparatively, Southern Michigan Bancorp’s competitors have a beta of 0.60, indicating that their average stock price is 40% less volatile than the S&P 500.
Profitability
This table compares Southern Michigan Bancorp and its competitors’ net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| Southern Michigan Bancorp | 26.19% | 16.03% | 1.11% |
| Southern Michigan Bancorp Competitors | 26.43% | 12.89% | 1.21% |
Summary
Southern Michigan Bancorp competitors beat Southern Michigan Bancorp on 10 of the 12 factors compared.
About Southern Michigan Bancorp
Southern Michigan Bancorp, Inc. operates as a bank holding company. It offers individuals, businesses, institutions, and government agencies a range of commercial banking services which include deposit, payment, credit, and other financial services. It also provides time, savings, and demand deposits, safe deposit services, and automated teller machine services. The company was founded in March 1982 and is headquartered in Coldwater, MI.
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