Sturgis Bancorp Inc

Sturgis Bancorp Inc has a total equity of $40.25 million and no debt on its balance sheet, resulting in a debt-to-equity ratio of 0.0. The company's liquidity position is strong, with total assets of $447.62 million and total liabilities of $407.38 million. However, the liquidity risk could not be assessed due to the absence of balance-sheet inputs and no going-concern language in source documents.

The company's profitability is moderate, with a return on equity (ROE) of 3.12% and a return on assets (ROA) of 0.28%. These metrics are below the industry median for banks, which typically report ROE in the 8-12% range and ROA in the 1-2% range. The company's net income of $1.26 million on revenue of $3.75 million indicates a net margin of 33.5%, which is relatively high for a bank but may reflect a small scale of operations.

Segment and geographic exposure data are not available in the provided financials, but the company operates as a single-bank holding company, suggesting a concentrated business model. The lack of segment reporting limits visibility into revenue diversification and geographic risk.

The company's growth trajectory is not clearly defined in the provided data, as no forward-looking revenue or earnings guidance is available. The current revenue of $3.75 million is a snapshot and does not include historical growth rates or future projections.

Risk factors include the inability to assess liquidity risk due to missing balance-sheet inputs and the absence of going-concern language in source documents. The dilution risk is low, with no dilution potential identified in the basic financials. No recent events, such as filings or transcripts, are provided to assess management commentary or strategic shifts.

No recent events, such as filings or transcripts, are provided to assess management commentary or strategic shifts.

Net income grew 19.0% annually over four years, reaching $4.9 million in the latest fiscal year.

Total assets expanded 6.5% annually over four years, reaching $473.4 million in the latest fiscal year.

The company maintains zero long-term debt, resulting in a debt-to-equity ratio of 0.0.

Revenue increased 10.1% year-over-year to $16.0 million, demonstrating consistent top-line growth momentum.

Dilution risk is assessed as low, suggesting stable share count and ownership structure for investors.

Return on equity of 3.1% is significantly below the 6.2% median for the banking cohort.

Free cash flow declined to $2.2 million in FY-4 from $2.3 million in FY-3.

Equity growth of 7.5% annually over four years trails the 19.0% net income CAGR.