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Commentary (19 Apr 2024 @ 15:56):

Stats
Today's Volume	3 764.00
Average Volume	2 414.00
Market Cap	77.02M
EPS	$0 ( 2024-02-13 )
Next earnings date	( $0 ) 2024-04-23
Last Dividend	$0.140 ( 2023-07-13 )
Next Dividend	$0 ( N/A )
P/E	6.58
ATR14	$0 (0.00%)

Southern Michigan Correlation

10 Most Positive Correlations

10 Most Negative Correlations

Did You Know?

Correlation is a statistical measure that describes the relationship between two variables. It ranges from -1 to 1, where -1 indicates a perfect negative correlation (as one variable increases, the other decreases), 1 indicates a perfect positive correlation (as one variable increases, the other increases), and 0 indicates no correlation (there is no relationship between the variables).

Correlation can be used to analyze the relationship between any two variables, not just stocks. It's commonly used in fields such as finance, economics, psychology, and more.

Southern Michigan Financials

Annual	2023
Revenue:	$73.31M
Gross Profit:	$73.31M (100.00 %)
EPS:	$2.40

Q4	2023
Revenue:	$20.09M
Gross Profit:	$20.09M (100.00 %)
EPS:	$0.540

Q3	2023
Revenue:	$19.16M
Gross Profit:	$19.16M (100.00 %)
EPS:	$0.610

Q2	2023
Revenue:	$17.92M
Gross Profit:	$17.92M (100.00 %)
EPS:	$0.590

Financial Reports:

No articles found.

Southern Michigan Dividends

(Q3/22)	(Q4/22)	(Q1/23)	(Q2/23)	(Q3/23)	(Q4/23)	(Q1/24)	(Q2/24)	(Q3/24)	(Q4/24)
$0.130 (N/A)	$0.130 (N/A)	$0.130 (N/A)	$0.140 (N/A)	$0.140 (N/A)	$0 (N/A)	$0 (N/A)	$0 (N/A)	$0 (N/A)	$0 (N/A)

Southern Michigan Dividend Information - Ex Dividend Knight

Dividend Sustainability Score: 6.30 - average (76.74%) | Divividend Growth Potential Score: 5.69 - Stable (13.79%)

Very Unsafe

High risk of being cut

Unsafe

Heightened risk of being cut

Borderline

Moderate risk of being cut

Safe

Unlikely to be cut

Very Safe

Very unlikely to be cut

Information

First Dividend	$0.0810	2000-12-27
Last Dividend	$0.140	2023-07-13
Next Dividend	$0	N/A
Payout Date	2023-07-28
Next Payout Date	N/A
# dividends	91	--
Total Paid Out	$7.60	--
Avg. Dividend % Per Year	0.00%	--
Score	4.21	--
Div. Sustainability Score	6.30
Div.Growth Potential Score	5.69
Div. Directional Score	5.99	--

Next Divdend (Est)
(2024-04-29)

$0.143 Estimate 21.69 %

Dividend Stability

0.58 Average

Dividend Score

4.21

Pay Frequency

Quarterly

Yearly Payout

Year	Amount	Yield

Dividend Commentary

With a moderate Dividend Sustainability Score (DSS), the company may sustain its dividends, but continuous monitoring is advised for any financial shifts. However, its Dividend Growth Potential Score (DGPS) is only moderate, indicating limited growth potential. On the whole, the dividend outlook remains neutral, meriting close observation of both the company's financial health and growth prospects.

Top 10 dividend Companies for OTC

Symbol	Title	Last dividend	Frequency	Yearly Dividend
PNGAY	Ex Dividend Junior	2023-09-08	Semi-Annually	0.00%
EONGY	Ex Dividend Junior	2023-05-18	Annually	0.00%
UEPCO	Ex Dividend Junior	2023-07-20	Quarterly	0.00%
KHNGY	Ex Dividend Knight	2023-05-11	Annually	0.00%
CHBH	Ex Dividend Knight	2023-10-12	Quarterly	0.00%
RWWI	Ex Dividend Knight	2023-06-02	Quarterly	0.00%
FRRVY	Ex Dividend Junior	2023-08-04	Sporadic	0.00%
AILLM	Ex Dividend Knight	2023-07-14	Quarterly	0.00%
WDFN	Ex Dividend Junior	2023-08-10	Quarterly	0.00%
MCRAA	Ex Dividend Knight	2023-09-20	Quarterly	0.00%

Dividend Sustainability Score (DSS)

Ratio	Actual Value	Weight	Normalized Value	Score	Range
netProfitMarginTTM	0.149	1.500	7.02	10.00	[0 - 0.5]
returnOnAssetsTTM	0.00770	1.200	9.74	10.00	[0 - 0.3]
returnOnEquityTTM	0.118	1.500	9.80	10.00	[0.1 - 1]
payoutRatioTTM	0	-1.000	0	0	[0 - 1]
currentRatioTTM	0.131	0.800	-4.35	-3.48	[1 - 3]
quickRatioTTM	-0.128	0.800	-5.46	-4.37	[0.8 - 2.5]
cashRatioTTM	-0.128	1.500	-1.824	-2.74	[0.2 - 2]
debtRatioTTM	0.101	-1.500	8.31	-10.00	[0 - 0.6]
interestCoverageTTM	0	1.000	-1.111	-1.111	[3 - 30]
operatingCashFlowPerShareTTM	0.00397	2.00	10.00	10.00	[0 - 30]
freeCashFlowPerShareTTM	0.00397	2.00	10.00	10.00	[0 - 20]
debtEquityRatioTTM	1.467	-1.500	4.13	-6.20	[0 - 2.5]
grossProfitMarginTTM	1.000	1.000	10.00	10.00	[0.2 - 0.8]
operatingProfitMarginTTM	0.378	1.000	4.45	4.45	[0.1 - 0.6]
cashFlowToDebtRatioTTM	0.000125	1.000	-1.110	-1.110	[0.2 - 2]
assetTurnoverTTM	0.0517	0.800	-2.99	-2.39	[0.5 - 2]
Total Score				6.30

Dividend Growth Score (DGS)

Ratio	Actual Value	Weight	Normalized Value	Score	Range
peRatioTTM	7.07	1.000	9.39	0	[1 - 100]
returnOnEquityTTM	0.118	2.50	9.87	10.00	[0.1 - 1.5]
freeCashFlowPerShareTTM	0.00397	2.00	10.00	10.00	[0 - 30]
dividendYielPercentageTTM	3.35	1.500	10.00	0	[0 - 0.4]
operatingCashFlowPerShareTTM	0.00397	2.00	10.00	10.00	[0 - 30]
payoutRatioTTM	0	1.500	0	0	[0 - 1]
pegRatioTTM	3.25	1.500	10.00	0	[0.5 - 2]
operatingCashFlowSalesRatioTTM	0.000246	1.000	-2.49	0	[0.1 - 0.5]
Total Score				5.69

Southern Michigan

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 governmental agencies primarily in the southwest 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 and IRAs. The company also provides home mortgages and equity loans, home equity line 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 plan, institutional and personal custody, estate settlement, wealth management, estate and wealth transfer planning assistance, charitable gift planning assistance, and cash management custody services; and safe deposit box and automated teller machine services. Further, the company provides online and mobile banking, bill pay, e-statements, health savings account, ACH, wire transfer, remote deposit capture, insurance, and merchant services, as well as ATM, debit, credit, and gift cards. As of March 23, 2022, it operated 13 branches within Branch, Calhoun, Hillsdale, Kalamazoo, and St. Joseph Counties. The company was founded in 1871 and is based in Coldwater, Michigan.

Realtime updates for Southern Michigan [SOMC]

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Southern Michigan Dividend Information - Ex Dividend Knight

Dividend Commentary

Top 10 dividend Companies for OTC

Dividend Sustainability Score (DSS)

Dividend Growth Score (DGS)