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Sturgis Bancorp, Inc (STBI) Fair Value & Analysis

Financial Services · US · Market cap $55.9M

Price$26.42
Fair Value$44.65
Upside+69.0%
Quality95/100
Evidence: High Range $33.49 – $55.81

Fair value as of: Jun 26, 2026

Analysis

Sturgis Bancorp, Inc (STBI) currently trades at $26.42, while our model-based Fair Value estimate is $44.65 — implying the stock looks roughly 69.0% 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

Sturgis Bancorp, Inc. operates as the bank holding company for Sturgis Bank & Trust Company that provides banking products and services in Michigan, the United States. The company offers checking, savings and health savings, and money market accounts; and certificates of deposit and individual retirement accounts. It also provides mortgage, automobile, savings secured, personal, home equity, equipment and machinery, government supported, and commercial real estate loans, as well as home equity lines of credit and business lines of credit; and credit cards. In addition, the company offers private banking, cashier checks, wire transfers, foreign drafts and foreign currency, overdraft protection, night depository, and notary services, as well as safe deposit boxes and residential mortgages. Further, it provides direct deposit, remote deposit capture, Visa check card, and checks reorder services; and investment and financial-advisory services, as well as commercial and consumer insuranc…

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Frequently asked questions

Is Sturgis Bancorp, Inc (STBI) undervalued?
As of Jun 26, 2026, our model estimates a fair value of $44.65 versus a price of $26.42 — about +69% (undervalued). Model-based estimate, not financial advice.
What is the fair value of STBI?
Our 21-model fair value for Sturgis Bancorp, Inc is $44.65 (as of Jun 26, 2026), built from audited fundamentals. The current price is $26.42.
What is the quality score of STBI?
Sturgis 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.