# Southern Michigan Bancorp, Inc. (SOMC)

> Financial Services · US · Reports in USD

Fundamental indicators from Sponda, adjusted for inflation.

[HTML version](https://sponda.capital/en/SOMC/fundamentals)

## Annual figures

| Year | Revenue (M) | Net Inc. (M) | FCF (M) | Debt (M) | Equity (M) |
| --- | --- | --- | --- | --- | --- |
| 2026 | $ 47.93M | $ 6.39M | $ 0 | $ 133.51M | $ 126.25M |
| 2025 | $ 86.05M | $ 12.51M | $ 0 | $ 134.08M | $ 121.48M |
| 2024 | $ 79.44M | $ 10.93M | $ 0 | $ 117.99M | $ 107.22M |
| 2023 | $ 79.26M | $ 11.79M | $ 19.5K | $ 146.54M | $ 97.83M |
| 2022 | $ 57.55M | $ 15.07M | $ 1.30M | $ 89.25M | $ 86.16M |
| 2021 | $ 54.86M | $ 13.97M | $ 0 | $ 77.92M | $ 97.75M |
| 2020 | $ 41.37M | $ 9.41M | $ 0 | $ 33.25M | $ 92.98M |
| 2019 | $ 43.27M | $ 11.13M | $ 0 | $ 43.52M | $ 83.35M |
| 2018 | $ 47.17M | $ 10.73M | $ 0 | $ 49.00M | $ 75.53M |
| 2017 | $ 42.14M | $ 7.30M | $ 0 | $ 58.61M | $ 70.04M |
| 2016 | $ 39.48M | $ 8.39M | $ 0 | $ 28.67M | $ 70.13M |
| 2015 | $ 38.65M | $ 8.15M | $ 0 | $ 31.10M | $ 67.77M |
| 2014 | $ 37.10M | $ 6.77M | $ 0 | $ 29.80M | $ 63.16M |
| 2013 | $ 38.18M | $ 6.40M | $ 0 | $ 23.63M | $ 56.83M |
| 2012 | $ 38.12M | $ 6.28M | $ 10.23M | $ 22.33M | $ 54.64M |
| 2011 | $ 38.36M | $ 5.00M | $ 11.09M | $ 36.14M | $ 51.87M |
| 2010 | $ 42.28M | $ 4.69M | $ 7.16M | $ 30.26M | $ 47.84M |
| 2009 | $ 44.08M | $ 2.93M | $ 7.13M | $ 30.79M | $ 45.73M |
| 2008 | $ 48.98M | $ 1.23M | $ 10.11M | $ 31.54M | $ 44.42M |
| 2007 | $ 22.06M | $ 3.16M | $ 1.63M | $ 29.68M | $ 44.22M |
| 2005 | $ 25.70M | $ 4.26M | N/A | $ 27.58M | $ 25.76M |
| 2004 | $ 23.93M | $ 4.20M | $ 7.90M | $ 27.68M | $ 27.47M |
| 2003 | N/A | N/A | $ 8.82M | N/A | N/A |
| 2002 | N/A | N/A | $ 4.10M | N/A | N/A |

Columns not available in this view: annualPriceMultiples, dividends. They require live market data and are shown on the HTML page instead.

## Leverage and liquidity

| Indicator | Value |
| --- | --- |
| Gross Debt / Eq | 1.06 |
| Liabilities / Eq | 12.33 |
| Current Ratio | 103.14 |

## Debt coverage

| Indicator | Value |
| --- | --- |
| Gross Debt / Earnings | 11.73 |
| Gross Debt / FCF | 1,008.22 |

## Other views

- [Metrics](https://sponda.capital/en/SOMC.md)
- [Charts](https://sponda.capital/en/SOMC/charts.md)
- [Compare](https://sponda.capital/en/SOMC/compare.md)
- [Indicator definitions](https://sponda.capital/en/screener.md)

Data as of 2026-08-30.