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Companies Financials SOMC.PK
SO
SOMC.PK OTC Banks

Somc.Pk

$30,00
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1D5D1M3M6MYTD1Y5YMax
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Mcap
P/E
EV / Rev
Div yield
2,43 %
Op margin
ROE
10,1 %
Net margin
25,7 %
Debt / equity
1,10
Beta
52w range
Volume
Day range
Prev close
Open
Next earnings
Ex-dividend
TR 1Y
About

SOMC.PK operates in the banking industry, providing financial services and generating revenue primarily through interest income and fee-based services.

Business. SOMC.PK operates in the banking industry, providing financial services and generating revenue primarily through interest income and fee-based services.

Classification92 %
SectorFinancials
Business sectorBanking & Investment Services
IndustryBanks
Generated · model-assisted
Sell-side consensus
consensus pending
— buy— hold— sell
Avg 12m price target
Upcoming events
— missing data
See all catalysts →

At a glance

Score
not yet scored
Valuation
valuation pending
Analysts
not yet wired
Ownership
not yet wired
Profitability
10,1 %
return on equity
Quality
not yet scored

What drives this business

The watch-list the newsroom runs for this company — derived from its sector path, sharpened layer by layer. Not investment advice.

— missing data

News & coverage

0
  • No recent newsroom coverage mentioning SOMC.
  • Sector rotation

    Sector1D1Mvs mkt
    Materials+2,3 %+6,6 %+1,7 %
    Communication Services+2,2 %−5,5 %+1,6 %
    Energy+0,6 %+3,3 %+0,0 %
    Health Care+0,6 %−0,8 %+0,0 %
    Information Technology+0,6 %+6,7 %+0,0 %
    Consumer Discretionary+0,4 %+7,6 %−0,2 %
    Financials · THIS SECTOR−0,3 %−2,8 %−0,9 %
    Consumer Staples−0,4 %+2,5 %−1,0 %
    Real Estate−0,7 %+10,9 %−1,3 %
    Industrials−1,9 %−3,1 %−2,5 %
    Utilities−1,9 %+28,2 %−2,5 %

    Developing storylines

    No tracked sagas currently linked to SOMC.PK. Browse all sagas →

    Analysis

    AI analysis
    Generated · analysis pipeline · tier hybrid · as of 2026-08-04 ↑ At a glance

    Opportunity

    — missing data

    Upcoming catalysts

    Scheduled public events. Informational only — not investment advice.

    • Peers
    • DividendDividend USD 1.75/sh2026-09-25 · Bank of America (BAC)
    • EarningsQ3 2026 earnings (expected)2026-10-13 · estimated · JPMorgan Chase (JPM)
    • EarningsQ3 2026 earnings (expected)2026-10-13 · estimated · Citigroup (C)
    • Macro
    • Rate decisionBank of England rate decision (press conf.)2026-08-06 · GB
    • Rate decisionReserve Bank of Australia rate decision (press conf.)2026-08-12 · AU
    • Rate decisionNorges Bank rate decision (press conf.)2026-08-20 · NO
    • Rate decisionSveriges Riksbank rate decision (press conf.)2026-09-03 · SE
    • Rate decisionBank of Canada rate decision (press conf.)2026-09-09 · CA
    • Rate decisionEuropean Central Bank rate decision (press conf.)2026-09-10 · EU
    • Macro & political
    • ElectionSE Swedish Election2026-09-14 · SE
    • ElectionUS U.S. Midterms2026-11-03 · US
    • ElectionFR French Legislative2027-06-01 · FR

    Pre-earnings brief

    — missing data

    Signals & dispatch

    peak dispatch · —

    Composite-score breakdown

    Synthesis

    Business

    SOMC.PK operates in the banking industry, providing financial services and generating revenue primarily through interest income and fee-based services.

    Classification92 %
    SectorFinancials
    Business sectorBanking & Investment Services
    IndustryBanks
    AI synthesis
    GENERATED

    SOMC.PK has a debt-to-equity ratio of 1.1, indicating a moderate reliance on debt financing. The company's liquidity position is assessed as medium, with a negative net cash position after accounting for total debt. The return on equity (ROE) is 10.06%, which is a measure of the company's profitability relative to shareholders' equity.

    The company's return on assets (ROA) is 0.72%, which is a key metric for evaluating the efficiency of asset utilization in generating profits. This ROA is below the typical industry benchmark, suggesting that SOMC.PK may not be as efficient in converting its assets into profit as its peers. The net income of $12,215,000 on total assets of $1,690,477,000 indicates a relatively low profitability level.

    SOMC.PK's revenue concentration is not explicitly detailed in the provided data, but the company's operations are likely centered around its core banking services. The absence of segment-specific revenue data limits the ability to assess geographic or product diversification.

    The company's growth trajectory is not clearly defined in the provided data, as there are no specific numeric deltas or revenue history details available to indicate the direction of growth for the current or next fiscal year. The risk assessment indicates a low potential for dilution, which is a positive sign for shareholders. However, the company's liquidity risk is medium, and the credit risk is not explicitly stated.

    Recent events and filings are not detailed in the provided data, which limits the ability to assess any recent developments that may impact the company's performance. The absence of specific information on recent earnings calls or regulatory changes also hinders a comprehensive understanding of the company's current situation.

    Key takeaways
    • SOMC.PK has a moderate debt-to-equity ratio, indicating a balanced capital structure.
    • The company's ROE is relatively high, suggesting strong profitability relative to shareholders' equity.
    • The ROA is low, indicating that the company may not be as efficient in asset utilization as its peers.
    • The company's liquidity position is medium, with a negative net cash position after accounting for total debt.
    • The potential for dilution is low, which is a positive sign for shareholders.
    • **margin_outlook_rationale**: The company's margin outlook is uncertain due to the lack of detailed information on recent cost structures and pricing strategies.
    • **rd_outlook_rationale**: There is no specific information provided on the company's research and development activities or future plans in this area.

    Bull / Bear case

    analysis pipeline
    — missing data

    In focus — financials by report

    Valuation

    Market price
    $30,00
    Market cap
    Enterprise value
    P/E
    Non-GAAP P/E
    EV / Revenue
    EV / Op income
    EV / OCF
    P / B
    P / Tangible book
    Tangible book
    $121.5M
    Net cash
    -$134.1M
    Current ratio
    Debt / equity
    1.1
    ROA
    0.7%
    ROE
    10.1%
    Cash conversion
    CapEx / revenue
    SBC / revenue
    Dilution ratio
    0.0%

    Revenue by segment

    Market share

    — missing data

    Business relationships

    — missing data

    Supply chain

    — missing data

    Peer comparison

    — missing data

    Market position

    Stress test

    — missing data

    Predictor forecast

    Options

    — missing data

    Short squeeze

    — missing data

    Earnings-call key lines

    — missing data

    Estimate revisions

    consensus EPS · 26-week trend
    — missing data

    Sell-side observations

    — missing data

    Themes

    — missing data

    ESG

    — missing data

    Risk factors

    Dilution riskLow
    Liquidity riskMedium
    Filing-based flags
    • Net cash is negative after subtracting total debt.

    Benchmarks vs cohort

    Net Margin25,7 %Below median
    ROE10,1 %Above median
    D/E1,10Below median

    Corporate actions / M&A

    — missing data

    FX exposure

    — missing data

    Comparable transactions

    — missing data

    Derivatives & instruments

    — missing data

    Actions

    Ask Handelsavisen

    — missing data
    Data sources
    • Market data
    • Market data cache
    • Issuer disclosures
    • Public news
    • Earnings transcripts
    • Consensus estimates
    • ESG data
    How metrics are computed
    • Dilution Ratio
      (shares_outstanding_diluted - shares_outstanding_basic) / shares_outstanding_basic
    • Net Cash
      cash_and_equivalents + short_term_investments - short_term_debt - long_term_debt
    • Return On Equity
      net_income / total_equity
    • Debt To Equity
      (short_term_debt + long_term_debt) / total_equity
    • Return On Assets
      net_income / total_assets
    Source documents
    • SOMC.PK Market data — financials · 2026-05-29
    • Southern Michigan Bancorp Inc Market data — analyst estimates · 2026-05-29

    Ownership & reference

    Leadership

    • John H. CastleChairman of the Board, Chief Executive Officer
    • Kurt G. MillerPresident, Director

    Insider activity

    — missing data

    Short positioning

    225shares short-39.5% vs prior
    1days to cover
    100fails-to-deliver
    as of 2026-07-15 · short-interest report (free)

    Geographic breakdown

    — missing data
    Listings · one canonical issuer all listings resolve to the canonical
    SOMC.PKCanonical
    OTC · USD

    Intel & risk

    peak dispatch · —
    OSINT findings
    Dilution riskLow
    Liquidity riskMedium
    Net cash is negative after subtracting total debt.
    Relationship graph
    SOMCJPMBACCBanks
    This companyPeerSector

    Evidence & claims

    From filings & derived data
    — missing data

    The Thread

    Everything we know, in order
    — missing data
    Sources filings · IR · transcripts · market data · tier hybrid · as of 2026-08-04 Market data · Issuer disclosures · Public news · Earnings transcripts · Consensus estimates · ESG data Premium coverage