Southern Michigan Bancorp Q4 net income rises
Overview
U.S. bank holding company reported Q4 net income up 9.9% yr/yr
Company achieved 17.4% increase in 2025 net income compared to 2024
Loan growth of 14.1% and deposit growth of 13.2% in 2025
Outlook
Southern Michigan Bancorp did not provide specific guidance for future quarters or the full year in its press release
Result Drivers
LOAN AND DEPOSIT GROWTH - Southern Michigan Bancorp reported loan growth of 14.1% and deposit growth of 13.2% in 2025, contributing to revenue increase
NET INTEREST MARGIN IMPROVEMENT - The company's annual net interest margin increased to 3.22% from 2.98% in 2024, aiding profitability
CREDIT QUALITY CHALLENGES - Provision for credit losses increased to $3,196,000 in 2025 from $1,014,000 in 2024, with non-performing loans rising to 0.98% of total loans
Key Details
Metric | Beat/Miss | Actual | Consensus Estimate |
Q4 EPS |
| $0.62 |
|
Q4 Net Income |
| $2.91 mln |
|
Q4 Net Interest Income |
| $12.40 mln |
|
Q4 Basic EPS |
| $0.63 |
|
Q4 Loan Loss Provision |
| $1.33 mln |
|
Q4 Pretax Profit |
| $3.35 mln |
|
Press Release: ID:nGNX8yTgd6
For questions concerning the data in this report, contact Estimates.Support@lseg.com. For any other questions or feedback, contact reuters.support@thomsonreuters.com.
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