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Southern Michigan Bancorp, Inc (SOMC) Fair Value & Analysis

Financial Services · US · Market cap $144M

Price$32.00
Fair Value$35.23
Upside+10.1%
Quality95/100
Evidence: High Range $26.43 – $44.04

Fair value as of: Jun 26, 2026

Analysis

Southern Michigan Bancorp, Inc (SOMC) currently trades at $32.00, while our model-based Fair Value estimate is $35.23 — implying the stock looks roughly 10.1% undervalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high) — always confirm before acting.

About the company

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 government agencies primarily in the southwest and south-central 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. The company also provides home mortgages and equity loans, home equity lines 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 a…

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Frequently asked questions

Is Southern Michigan Bancorp, Inc (SOMC) undervalued?
As of Jun 26, 2026, our model estimates a fair value of $35.23 versus a price of $32.00 — about +10% (undervalued). Model-based estimate, not financial advice.
What is the fair value of SOMC?
Our 21-model fair value for Southern Michigan Bancorp, Inc is $35.23 (as of Jun 26, 2026), built from audited fundamentals. The current price is $32.00.
What is the quality score of SOMC?
Southern Michigan Bancorp, Inc has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.