Southern Michigan Bancorp Inc is a United States-based financial holding company. It is engaged in the business activity of the ownership and management of its wholly-owned subsidiary bank. The Bank offers individuals, businesses, institutions, and government agencies a full range of commercial banking services. The customer base is located primarily in the southwest Michigan communities in which the Bank has branches, and in areas immediately surrounding these communities. The Bank makes commercial and consumer loans to customers. The majority of loans are secured by business assets, commercial and residential real estate, and consumer assets. The bank operates in a single segment: commercial banking.

Financial Strength

	Name	Current	Vs Industry		Vs History

Growth Rank

	Name	Current	Vs Industry		Vs History

Momentum Rank

	Name	Current	Vs Industry		Vs History
	5-Day RSI	70
	9-Day RSI	52.92
	14-Day RSI	48.43
	6-1 Month Momentum %	4.46
	12-1 Month Momentum %	-4.18

Liquidity Ratio

	Name	Current	Vs Industry		Vs History

Dividend & Buy Back

	Name	Current	Vs Industry		Vs History
	Dividend Yield %	3.35
	Dividend Payout Ratio	0.25
	Forward Dividend Yield %	3.53
	5-Year Yield-on-Cost %	3.35

Profitability Rank

	Name	Current	Vs Industry		Vs History
	FCF Margin %	34.32

GF Value Rank

	Name	Current	Vs Industry		Vs History
	PE Ratio	9.69
	PE Ratio without NRI	9.69
	EV-to-Revenue	2.45
	FCF Yield %	14.01

GF Value

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