Sturgis Bancorp, Inc. Logo

Sturgis Bancorp, Inc.

STBI

(3.8)
Stock Price

18,50 USD

0.23% ROA

3.91% ROE

17.32x PER

Market Cap.

42.036.800,00 USD

149.42% DER

3.95% Yield

4.17% NPM

Sturgis Bancorp, Inc. Stock Analysis

Sturgis Bancorp, Inc. Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Sturgis Bancorp, Inc. Fundamental Stock Analysis
# Analysis Rating
1 PBV

The stock's low PBV ratio (0.69x) suggests it's undervalued, making it an attractive opportunity for investors.

2 Revenue Growth

This company's revenue has experienced steady growth over the last five years, indicating a reliable and prosperous financial trajectory.

3 Net Profit Growth

Throughout the past five years, this company has consistently experienced net profit growth, indicating a strong financial performance and making it an attractive investment prospect.

4 Assets Growth

Over the past five years, this company's revenue has consistently increased, demonstrating a robust financial performance that makes it an appealing opportunity.

5 Dividend

Investors can take comfort in the company's unwavering commitment to dividends, as it has consistently distributed payouts over the past five years, ensuring a reliable income stream.

6 ROE

ROE in an average range (13.72%) suggests satisfactory profitability and decent utilization of shareholders' equity.

7 ROA

The stock's ROA (0.81%) shows that it's doing a pretty good job at making money from its assets, making it a solid choice to invest and earn steady profits.

8 DER

The stock has a reasonable amount of debt compared to its ownership (64%), suggesting a balanced financial position and a moderate level of risk.

9 Graham Number

Based on the Graham number, this company's stock price appears to be lower than its intrinsic value, signaling a potentially favorable investment choice.

10 Buffet Intrinsic Value

The company's stock presents an enticing opportunity as it appears undervalued (91) by Warren Buffett's formula, indicating that its intrinsic value exceeds the market price.

11 Dividend Growth

Investors should note the company's stagnant dividend growth over the past three years, indicating limited profitability and potentially diminishing returns.

Sturgis Bancorp, Inc. Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Sturgis Bancorp, Inc. Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Buy
2 MACD Buy
3 RSI Sell
4 Stoch RSI Hold

Sturgis Bancorp, Inc. Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Sturgis Bancorp, Inc. Revenue
Year Revenue Growth
2000 3.670.115
2001 14.019.835 73.82%
2002 14.389.258 2.57%
2003 13.978.767 -2.94%
2004 12.841.681 -8.85%
2005 14.116.531 9.03%
2006 15.623.000 9.64%
2007 16.321.000 4.28%
2011 14.327.000 -13.92%
2012 14.372.000 0.31%
2013 14.395.000 0.16%
2014 14.465.000 0.48%
2015 16.414.000 11.87%
2016 17.093.000 3.97%
2017 17.575.000 2.74%
2018 19.292.000 8.9%
2019 20.930.000 7.83%
2020 26.746.000 21.75%
2021 28.767.000 7.03%
2022 30.895.000 6.89%
2023 42.152.000 26.71%
2023 48.659.000 13.37%
2024 54.708.000 11.06%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Sturgis Bancorp, Inc. Research and Development Expenses
Year Research and Development Expenses Growth
2000 0
2001 0 0%
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2023 0 0%
2024 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Sturgis Bancorp, Inc. General and Administrative Expenses
Year General and Administrative Expenses Growth
2000 4.015.290
2001 4.011.629 -0.09%
2002 4.651.787 13.76%
2003 4.921.978 5.49%
2004 5.262.685 6.47%
2005 5.790.016 9.11%
2006 6.411.000 9.69%
2007 6.836.000 6.22%
2011 7.052.000 3.06%
2012 6.675.000 -5.65%
2013 7.309.000 8.67%
2014 7.183.000 -1.75%
2015 8.006.000 10.28%
2016 8.245.000 2.9%
2017 8.927.000 7.64%
2018 8.853.000 -0.84%
2019 9.358.000 5.4%
2020 10.676.000 12.35%
2021 12.945.000 17.53%
2022 14.814.000 12.62%
2023 17.020.000 12.96%
2023 18.134.000 6.14%
2024 1.628.000 -1013.88%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Sturgis Bancorp, Inc. EBITDA
Year EBITDA Growth
2000 13.810.116
2001 16.263.995 15.09%
2002 14.082.940 -15.49%
2003 12.049.024 -16.88%
2004 10.020.807 -20.24%
2005 11.020.341 9.07%
2006 12.956.000 14.94%
2007 15.092.000 14.15%
2011 5.035.000 -199.74%
2012 6.118.000 17.7%
2013 5.250.000 -16.53%
2014 5.244.000 -0.11%
2015 5.672.000 7.55%
2016 6.055.000 6.33%
2017 6.265.000 3.35%
2018 8.590.000 27.07%
2019 5.859.000 -46.61%
2020 8.317.000 29.55%
2021 9.959.000 16.49%
2022 12.481.000 20.21%
2023 15.200.000 17.89%
2023 1.345.000 -1030.11%
2024 -788.000 270.69%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Sturgis Bancorp, Inc. Gross Profit
Year Gross Profit Growth
2000 3.670.115
2001 14.019.835 73.82%
2002 14.389.258 2.57%
2003 13.978.767 -2.94%
2004 12.841.681 -8.85%
2005 14.116.531 9.03%
2006 15.623.000 9.64%
2007 16.321.000 4.28%
2011 14.327.000 -13.92%
2012 14.372.000 0.31%
2013 14.395.000 0.16%
2014 14.465.000 0.48%
2015 16.414.000 11.87%
2016 17.093.000 3.97%
2017 17.575.000 2.74%
2018 19.292.000 8.9%
2019 20.930.000 7.83%
2020 26.746.000 21.75%
2021 28.767.000 7.03%
2022 30.895.000 6.89%
2023 42.152.000 26.71%
2023 49.452.000 14.76%
2024 54.708.000 9.61%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Sturgis Bancorp, Inc. Net Profit
Year Net Profit Growth
2000 1.816.866
2001 2.787.937 34.83%
2002 2.790.387 0.09%
2003 2.605.089 -7.11%
2004 1.715.080 -51.89%
2005 2.701.646 36.52%
2006 3.151.000 14.26%
2007 3.344.000 5.77%
2011 501.000 -567.47%
2012 1.866.000 73.15%
2013 1.627.000 -14.69%
2014 1.882.000 13.55%
2015 2.460.000 23.5%
2016 2.662.000 7.59%
2017 3.168.000 15.97%
2018 4.373.000 27.56%
2019 4.927.000 11.24%
2020 6.006.000 17.97%
2021 6.344.000 5.33%
2022 6.620.000 4.17%
2023 12.600.000 47.46%
2023 6.018.000 -109.37%
2024 5.188.000 -16%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Sturgis Bancorp, Inc. Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2000 1
2001 1 0%
2002 1 0%
2003 1 0%
2004 1 0%
2005 1 100%
2006 1 0%
2007 1 0%
2011 0 0%
2012 1 0%
2013 1 0%
2014 1 0%
2015 1 100%
2016 1 0%
2017 2 0%
2018 2 50%
2019 2 0%
2020 3 0%
2021 3 0%
2022 3 33.33%
2023 6 40%
2023 3 -150%
2024 2 0%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Sturgis Bancorp, Inc. Free Cashflow
Year Free Cashflow Growth
2000 2.320.045
2001 246.423 -841.49%
2002 334.099 26.24%
2003 9.150.560 96.35%
2004 1.162.486 -687.15%
2005 0 0%
2006 0 0%
2007 0 0%
2011 4.506.000 100%
2012 1.306.000 -245.02%
2013 3.335.000 60.84%
2014 1.411.000 -136.36%
2015 1.260.000 -11.98%
2016 4.499.000 71.99%
2017 3.581.000 -25.64%
2018 5.603.000 36.09%
2019 2.835.000 -97.64%
2020 -1.481.000 291.42%
2021 10.407.000 114.23%
2022 6.779.000 -53.52%
2023 7.813.000 13.23%
2024 0 0%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Sturgis Bancorp, Inc. Operating Cashflow
Year Operating Cashflow Growth
2000 3.040.160
2001 628.413 -383.78%
2002 1.211.237 48.12%
2003 9.692.441 87.5%
2004 1.268.177 -664.28%
2005 0 0%
2006 0 0%
2007 0 0%
2011 5.109.000 100%
2012 1.534.000 -233.05%
2013 3.909.000 60.76%
2014 2.311.000 -69.15%
2015 2.090.000 -10.57%
2016 4.870.000 57.08%
2017 4.837.000 -0.68%
2018 6.494.000 25.52%
2019 3.580.000 -81.4%
2020 1.707.000 -109.72%
2021 12.627.000 86.48%
2022 12.037.000 -4.9%
2023 11.050.000 -8.93%
2024 0 0%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Sturgis Bancorp, Inc. Capital Expenditure
Year Capital Expenditure Growth
2000 720.115
2001 381.990 -88.52%
2002 877.138 56.45%
2003 541.881 -61.87%
2004 105.691 -412.7%
2005 0 0%
2006 0 0%
2007 0 0%
2011 603.000 100%
2012 228.000 -164.47%
2013 574.000 60.28%
2014 900.000 36.22%
2015 830.000 -8.43%
2016 371.000 -123.72%
2017 1.256.000 70.46%
2018 891.000 -40.97%
2019 745.000 -19.6%
2020 3.188.000 76.63%
2021 2.220.000 -43.6%
2022 5.258.000 57.78%
2023 3.237.000 -62.43%
2024 0 0%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Sturgis Bancorp, Inc. Equity
Year Equity Growth
2000 26.515.396
2001 28.496.934 6.95%
2002 27.452.528 -3.8%
2003 29.158.351 5.85%
2004 28.663.462 -1.73%
2005 26.608.121 -7.72%
2006 27.549.000 3.42%
2007 27.681.000 0.48%
2011 24.910.000 -11.12%
2012 26.924.000 7.48%
2013 28.535.000 5.65%
2014 30.350.000 5.98%
2015 32.612.000 6.94%
2016 34.727.000 6.09%
2017 37.254.000 6.78%
2018 40.200.000 7.33%
2019 43.572.000 7.74%
2020 47.112.000 7.51%
2021 52.436.000 10.15%
2022 52.548.000 0.21%
2023 55.768.000 5.77%
2023 55.503.000 -0.48%
2024 53.457.000 -3.83%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Sturgis Bancorp, Inc. Assets
Year Assets Growth
2000 271.116.489
2001 279.789.272 3.1%
2002 296.684.457 5.69%
2003 287.337.593 -3.25%
2004 313.560.695 8.36%
2005 307.514.667 -1.97%
2006 320.858.000 4.16%
2007 347.202.000 7.59%
2011 314.258.000 -10.48%
2012 317.045.000 0.88%
2013 304.980.000 -3.96%
2014 312.455.000 2.39%
2015 368.559.000 15.22%
2016 398.629.000 7.54%
2017 414.432.000 3.81%
2018 431.575.000 3.97%
2019 473.371.000 8.83%
2020 643.606.000 26.45%
2021 751.735.000 14.38%
2022 864.805.000 13.07%
2023 919.472.000 5.95%
2023 897.402.000 -2.46%
2024 942.419.000 4.78%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Sturgis Bancorp, Inc. Liabilities
Year Liabilities Growth
2000 67.660.376
2001 251.292.338 73.08%
2002 65.317.350 -284.73%
2003 258.179.242 74.7%
2004 284.897.233 9.38%
2005 280.906.546 -1.42%
2006 293.309.000 4.23%
2007 319.521.000 8.2%
2011 289.348.000 -10.43%
2012 290.121.000 0.27%
2013 276.445.000 -4.95%
2014 282.105.000 2.01%
2015 335.947.000 16.03%
2016 363.902.000 7.68%
2017 377.178.000 3.52%
2018 391.375.000 3.63%
2019 429.799.000 8.94%
2020 596.494.000 27.95%
2021 699.299.000 14.7%
2022 812.257.000 13.91%
2023 863.704.000 5.96%
2023 841.899.000 -2.59%
2024 888.962.000 5.29%

Sturgis Bancorp, Inc. Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
23.84
Net Income per Share
0.99
Price to Earning Ratio
17.32x
Price To Sales Ratio
0.82x
POCF Ratio
0
PFCF Ratio
0
Price to Book Ratio
0.69
EV to Sales
1.97
EV Over EBITDA
20.78
EV to Operating CashFlow
0
EV to FreeCashFlow
0
Earnings Yield
0.06
FreeCashFlow Yield
0
Market Cap
0,04 Bil.
Enterprise Value
0,10 Bil.
Graham Number
23.62
Graham NetNet
-372.87

Income Statement Metrics

Net Income per Share
0.99
Income Quality
0
ROE
0.04
Return On Assets
0
Return On Capital Employed
0.03
Net Income per EBT
0.94
EBT Per Ebit
0.1
Ebit per Revenue
0.47
Effective Tax Rate
0.06

Margins

Sales, General, & Administrative to Revenue
0.29
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1
Operating Profit Margin
0.47
Pretax Profit Margin
0.04
Net Profit Margin
0.04

Dividends

Dividend Yield
0.04
Dividend Yield %
3.95
Payout Ratio
0
Dividend Per Share
0.68

Operating Metrics

Operating Cashflow per Share
0
Free CashFlow per Share
0
Capex to Operating CashFlow
0
Capex to Revenue
0
Capex to Depreciation
0
Return on Invested Capital
0.17
Return on Tangible Assets
0
Days Sales Outstanding
24.59
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
14.85
Payables Turnover
0
Inventory Turnover
0
Capex per Share
0

Balance Sheet

Cash per Share
46,81
Book Value per Share
24,96
Tangible Book Value per Share
20.79
Shareholders Equity per Share
24.96
Interest Debt per Share
43.17
Debt to Equity
1.49
Debt to Assets
0.08
Net Debt to EBITDA
12.11
Current Ratio
0.15
Tangible Asset Value
0,04 Bil.
Net Current Asset Value
-0,86 Bil.
Invested Capital
-118409000
Working Capital
-0,15 Bil.
Intangibles to Total Assets
0.01
Average Receivables
0,00 Bil.
Average Payables
0,00 Bil.
Average Inventory
-22151500
Debt to Market Cap
1.9

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Sturgis Bancorp, Inc. Dividends
Year Dividends Growth
1997 0
1998 0 0%
1999 0 0%
2000 0 0%
2001 0 0%
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 1 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 1 0%
2019 1 0%
2020 1 0%
2021 1 0%
2022 1 0%
2023 1 0%
2024 1 0%

Sturgis Bancorp, Inc. Profile

About Sturgis Bancorp, Inc.

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 insurance and title insurance products. Additionally, the company offers estate and asset management services, such as estate settlements, trust administration, record keeping, investment management, and custody services; cash and treasury management; and online and mobile banking, bill pay, and mobile wallet services. It operates through 14 bank facilities and 4 full service standalone ATMs located in 12 communities in Michigan. Sturgis Bancorp, Inc. was founded in 1905 and is headquartered in Sturgis, Michigan.

CEO
Mr. Jason J. Hyska
Employee
118
Address
113-125 East Chicago Road
Sturgis, 49091

Sturgis Bancorp, Inc. Executives & BODs

Sturgis Bancorp, Inc. Executives & BODs
# Name Age
1 Mr. Jeff Berry
Controller
70
2 Mr. Brian P. Hoggatt
Senior Vice President & Chief Financial Officer
70
3 Mr. Matthew D. Scheske
EVice President & Chief Operating Officer
70
4 Heather J. Myers
Corporate Secretary
70
5 Ms. Stephanie Timmer
Senior Vice President of Western Market
70
6 Mr. Jason J. Hyska
President, Chief Executive Officer & Head of Retail Lending
70
7 Michelle Kriser
Treasurer
70
8 Ms. Tracey L. Parker
Executive Vice President & Chief Risk Officer
70
9 Robert Burch
Senior Vice President
70

Sturgis Bancorp, Inc. Competitors