Somc.Pk
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.
At a glance
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.
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- 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
Signals & dispatch
Composite-score breakdown
Synthesis
SOMC.PK operates in the banking industry, providing financial services and generating revenue primarily through interest income and fee-based services.
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.
- 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 pipelineIn focus — financials by report
Valuation
Revenue by segment
Business relationships
Supply chain
Peer comparison
Market position
Stress test
Predictor forecast
Options
Short squeeze
Earnings-call key lines
Estimate revisions
consensus EPS · 26-week trendSell-side observations
Themes
ESG
Risk factors
- Net cash is negative after subtracting total debt.
Benchmarks vs cohort
Corporate actions / M&A
FX exposure
Comparable transactions
Derivatives & instruments
Actions
Ask Handelsavisen
- Market data
- Market data cache
- Issuer disclosures
- Public news
- Earnings transcripts
- Consensus estimates
- ESG data
- Dilution Ratio(shares_outstanding_diluted - shares_outstanding_basic) / shares_outstanding_basic
- Net Cashcash_and_equivalents + short_term_investments - short_term_debt - long_term_debt
- Return On Equitynet_income / total_equity
- Debt To Equity(short_term_debt + long_term_debt) / total_equity
- Return On Assetsnet_income / total_assets
- 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