Sturgis Bancorp, Inc. (STBI)
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No price history available.
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total net revenue | $m | 27 | 29 | 31 | 37 | 37 | 42 | 44 | - |
| Operating profit | $m | 9 | 11 | ||||||
| Net profit | $m | 6 | 6 | 7 | 6 | 3 | 7 | 9 | - |
| EPS reported | $ | 3.45 | 4.06 | ||||||
| Operating cashflow per share | $ | 7.52 | 0.00 | ||||||
| Capex per share | $ | 1.09 | 0.00 | ||||||
| FCF per share | $ | 6.42 | 0.00 | ||||||
| Free cash flow | $m | 14 | 0 | ||||||
| Net debt | $m | 20 | 45 | ||||||
| Book value equity | $m | 63 | 67 | ||||||
| Book value per share | $ | 29.27 | 30.74 | ||||||
| Number of shares | m | 2.16 | 2.17 | ||||||
| DPS (TTM paid) | $ | 0.68 | 0.71 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 6.22 | 7.08 | ||||||
| P/B LTM | x | 0.73 | 0.69 | ||||||
| P/S LTM | x | 1.10 | 1.06 | ||||||
| P/FCF LTM | x | 3.34 | 0.00 | ||||||
| EV/EBITDA LTM | x | 7.22 | 6.08 | ||||||
| EV/Sales LTM | x | 1.12 | 1.79 | ||||||
| Earnings Yield LTM | % | +16.08% | +14.12% | ||||||
| FCF Yield | % | +29.95% | 0.00% | ||||||
| Quality | |||||||||
| ROE | % | +11.79% | +13.75% | ||||||
| ROIC | % | +0.75% | +0.85% | ||||||
| Operating margin | % | +15.55% | +18.07% | ||||||
| Gross margin | % | +71.76% | +73.88% | ||||||
| FCF/Sales | % | +23.48% | 0.00% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | +161.36% | +207.58% | ||||||
| Sales Growth YoY | % | +12.47% | +17.09% | ||||||
| Net Income Growth YoY | % | +163.03% | +210.48% | ||||||
| FCF Growth | % | +111.94% | -100.00% | ||||||
| Operating Profit Growth | % | +191.13% | +246.04% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | +3.17% | +2.42% | ||||||
| Dividend Growth | % | 0.00% | +4.41% | ||||||
| Payout Ratio | % | +19.72% | +19.71% | ||||||
| FCF/Debt | x | 0.45 | 0.00 | ||||||
| Net Debt/EBITDA | x | 2.18 | 4.15 | ||||||
| EBIT/Net interest | x | 0.54 | 0.65 | ||||||
| Net debt/market cap | % | +66.19% | +90.16% | ||||||
| Net debt/Equity | x | 0.32 | 0.68 | ||||||
| Gross debt/equity | x | 0.49 | 0.85 | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
Sturgis Bancorp, Inc. serves as the parent company for Sturgis Bank & Trust Company, a financial institution that delivers a broad spectrum of banking solutions and services across Michigan, United States. Its product portfolio encompasses various deposit accounts, including checking, savings (with health savings options), and money market accounts, along with certificates of deposit (CDs) and individual retirement accounts (IRAs). The bank also extends diverse lending options such as mortgages, automobile loans, personal loans, and savings-secured loans. For both individuals and businesses, it provides home equity loans and lines of credit, equipment and machinery financing, commercial real estate loans, and government-supported loan programs, in addition to business lines of credit and credit cards. Beyond its core offerings, the company furnishes supplementary services like private banking, cashier's checks, wire transfers, foreign drafts, and foreign currency exchange. Customers can also access overdraft protection, night depository services, notary services, safe deposit boxes, and specific residential mortgage offerings. Digital banking capabilities feature direct deposit, remote deposit capture, Visa check cards, and check reordering. Furthermore, Sturgis Bancorp provides investment and financial advisory services, alongside a range of insurance products covering commercial, consumer, and title coverage. Wealth management solutions comprise estate settlements, trust administration, record keeping, investment management, and custody services. The company also supports businesses with cash and treasury management, and ensures modern convenience through online and mobile banking, bill payment, and mobile wallet services. Sturgis Bancorp operates through a network of 14 bank branches and 4 full-service standalone ATMs, strategically situated in 12 distinct communities throughout Michigan. Established in 1905, the company maintains its corporate headquarters in Sturgis, Michigan.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
Sturgis Bancorp, Inc. (STBI)
No price history available.
Not enough data to calculate KvantraRank
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
Sturgis Bancorp, Inc. serves as the parent company for Sturgis Bank & Trust Company, a financial institution that delivers a broad spectrum of banking solutions and services across Michigan, United States. Its product portfolio encompasses various deposit accounts, including checking, savings (with health savings options), and money market accounts, along with certificates of deposit (CDs) and individual retirement accounts (IRAs). The bank also extends diverse lending options such as mortgages, automobile loans, personal loans, and savings-secured loans. For both individuals and businesses, it provides home equity loans and lines of credit, equipment and machinery financing, commercial real estate loans, and government-supported loan programs, in addition to business lines of credit and credit cards. Beyond its core offerings, the company furnishes supplementary services like private banking, cashier's checks, wire transfers, foreign drafts, and foreign currency exchange. Customers can also access overdraft protection, night depository services, notary services, safe deposit boxes, and specific residential mortgage offerings. Digital banking capabilities feature direct deposit, remote deposit capture, Visa check cards, and check reordering. Furthermore, Sturgis Bancorp provides investment and financial advisory services, alongside a range of insurance products covering commercial, consumer, and title coverage. Wealth management solutions comprise estate settlements, trust administration, record keeping, investment management, and custody services. The company also supports businesses with cash and treasury management, and ensures modern convenience through online and mobile banking, bill payment, and mobile wallet services. Sturgis Bancorp operates through a network of 14 bank branches and 4 full-service standalone ATMs, strategically situated in 12 distinct communities throughout Michigan. Established in 1905, the company maintains its corporate headquarters in Sturgis, Michigan.
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