Southern Michigan Bancorp, Inc.
SOMC
Rank in Stocks
#18474
Southern Michigan Bancorp, Inc. serves as the bank holding company for Southern... Southern Michigan Bancorp, Inc. serves as the bank holding company for Southern Michigan Bank & Trust, delivering a comprehensive array of commercial banking solutions. These services cater to individuals, businesses, institutions, and governmental agencies, predominantly within southwest Michigan communities. Its diverse deposit offerings encompass interest-bearing and non-interest checking accounts, various savings and money market accounts, time, savings, and demand deposits, as well as Certificates of Deposit (CDs) and Individual Retirement Accounts (IRAs). The company extends various lending solutions. For consumers, these include home mortgages, equity loans, home equity lines of credit (HELOCs), auto and personal loans, and both direct and indirect financing for residential property and consumer goods. Business clients can access lines of credit, term loans, commercial real estate, commercial and industrial loans, agriculture loans, letters of credit, Small Business Administration (SBA) loans, capital access loans, and specific financing for industrial, construction, real estate, and inventory needs. Additionally, the institution provides a suite of trust and investment services, such as investment management, trustee services, IRA rollovers, retirement plan administration, institutional and personal custody, estate settlement, wealth management, and advisory support for estate and wealth transfer planning and charitable giving. Safe deposit boxes and automated teller machines (ATMs) are also available. Furthermore, customers benefit from modern banking conveniences including online and mobile banking, bill payment, e-statements, Health Savings Accounts (HSAs), ACH services, wire transfers, remote deposit capture, insurance, and merchant services. The bank also issues ATM, debit, credit, and gift cards. Established in 1871 and headquartered in Coldwater, Michigan, Southern Michigan Bancorp, Inc. maintained 13 operational branches as of March 23, 2022, spread across Branch, Calhoun, Hillsdale, Kalamazoo, and St. Joseph Counties.
Share Price
$29.70
Last synced: 2026-11-10
Market Cap
$138.91M
Change (1 day)
0.00%
Change (1 year)
24.79%
Country
Stock data: Financial Modeling PrepΒ·Updated Β·Not investment adviceΒ·How we calculate this
Trade Southern Michigan Bancorp, Inc. (SOMC)
Category
Financial Services
Operating Margin for Southern Michigan Bancorp, Inc. (SOMC)
Operating Margin as of November 2026 TTM: 15.46%
According to Southern Michigan Bancorp, Inc.'s latest financial reports, its current operating margin (TTM) is 15.46%. At the end of 2025 the company had an operating margin of 15.45%.
Operating Margin history for Southern Michigan Bancorp, Inc. from 2000 to 2026
Operating Margin at the end of each year
| Year | Operating Margin | Change |
|---|---|---|
| 2026 (TTM) | 15.46% | 0.06% |
| 2025 | 15.45% | -54.07% |
| 2024 | 33.64% | -7.33% |
| 2023 | 36.30% | -2.37% |
| 2022 | 37.18% | 1.12% |
| 2021 | 36.77% | 33.66% |
| 2020 | 27.51% | 6.92% |
| 2019 | 25.73% | -3.88% |
| 2018 | 26.77% | -1.07% |
| 2017 | 27.06% | -7.30% |
| 2016 | 29.19% | 4.14% |
| 2015 | 28.03% | 11.58% |
| 2014 | 25.12% | 7.90% |
| 2013 | 23.28% | 7.23% |
| 2012 | 21.71% | 26.37% |
| 2011 | 17.18% | 20.65% |
| 2010 | 14.24% | 105.78% |
| 2009 | 6.92% | 4,225.00% |
| 2008 | 0.16% | -99.20% |
| 2007 | 20.02% | -14.04% |
| 2004 | 23.29% | 22.06% |
| 2003 | 19.08% | 274.85% |
| 2002 | 5.09% | -63.90% |
| 2001 | 14.10% | -18.97% |
| 2000 | 17.40% | 0.00% |
Operating Margin for similar companies or competitors
| Company | Operating Margin | Operating Margin Difference | Country |
|---|---|---|---|
| 54.30% | -96.49% |
CN
|
|
| 57.52% | -96.28% |
IT
|
|
| 21.82% | -98.59% |
IN
|
|
| 26.74% | -98.27% |
IN
|
|
| 20.55% | -98.67% |
JP
|
What is a company's Operating Margin?
The operating margin is a key indicator to assess the profitability of a company. Higher operating margins are generaly better as they show that a company is able to sell its products or services for much more than their production costs. The operating margin is calculated by dividing a company's earnings by its revenue.
Questions about Southern Michigan Bancorp, Inc.'s operating margin
What is Southern Michigan Bancorp, Inc.'s operating margin?
Southern Michigan Bancorp, Inc.'s operating margin is 15.46%, as of Nov 2026.
What was Southern Michigan Bancorp, Inc.'s operating margin in 2025?
In 2025, Southern Michigan Bancorp, Inc.'s operating margin was 15.45%, compared with 33.64% in 2024.
How has Southern Michigan Bancorp, Inc.'s operating margin changed since 2020?
From 2020 to 2025, Southern Michigan Bancorp, Inc.'s operating margin was highest in 2022 (37.18%) and lowest in 2025 (15.45%).
How does Southern Michigan Bancorp, Inc.'s operating margin compare with similar companies?
Southern Michigan Bancorp, Inc.'s operating margin (15.46%) is lower than that of all 5 similar companies listed above. The highest among them is UniCredit S.p.A., with 57.52%.