Sturgis Bancorp, Inc.

Sturgis Bancorp, Inc.

STBI
Sturgis Bancorp, Inc.US flagOther OTC
26.55
USD
- -
- -
57.64MMarket Cap
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
7.04
7.02
7.92
8.22
8.41
9.18
9.94
12.63
13.51
14.47
17.16
17.36
19.07
17.86
Basic EPS, GAAP
0.8
0.91
1.19
1.28
1.52
2.08
2.34
2.84
2.98
3.1
2.81
1.32
3.45
3.06
Free Cash Flow per Basic Share
1.63
0.68
0.61
2.16
1.71
2.67
- -
-0.7
4.89
3.17
3.26
2.83
6.39
- -
Dividend per Share
- -
0.09
0.14
0.42
0.48
0.57
- -
0.64
0.64
0.68
0.68
0.68
0.68
- -
Book Value per Share
10.58
11.32
12.31
13.14
14.09
15.52
17.24
19.34
21.59
23.94
25.3
25.8
28.46
26.87
Tangible Book Value per Share
10.72
11.56
12.11
13.18
14.38
15.72
17.34
18.4
20.48
20.48
21.92
21.57
25.14
23.02
Basic Weighted Avg Shares
2
2
2
2
2
2
2
2
2
2
2
2
2
2
Sales/Revenue/Turnover
14
14
16
17
18
19
21
27
29
31
37
37
41
39
Operating Margin (%)
13.05
16.11
17.7
19.42
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
1
1
1
1
1
1
- -
1
2
2
2
2
2
- -
Net Income, GAAP
2
2
2
3
3
4
5
6
6
7
6
3
7
7
Effective Tax Rate (%)
13.37
19.23
15.35
19.82
3.44
12.4
15.91
17.26
17.34
17.19
15.91
10.23
18.89
16.92
Profit Margin (%)
11.3
13.01
14.99
15.57
18.03
22.67
23.54
22.46
22.05
21.43
16.37
7.58
18.08
17.13
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
45
44
48
61
34
44
70
76
104
86
55
76
16
31
Total Equity
29
30
33
35
37
40
44
47
52
53
56
55
63
59
Return on Invested Capital (%)
2.13
2.55
3.17
3.02
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Common Equity (%)
7.82
8.37
10.07
10.08
11.16
14.09
14.29
15.55
14.6
13.64
11.43
5.17
12.74
11.92

Capital Structure

FRC

in mil. unless spec.
Dec'24
Mar'25
Jun'25
ST Debt
- -
- -
- -
LT Borrowings
76
50
31
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
2
2
2
Market Capitalization
39
39
39

Working Capital

FRC

in mil. unless spec.
Dec'24
Mar'25
Jun'25
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
98
106
116
Accounts Receivable, Net
3
4
4
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
3
2
2
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
6.93%
6.23%
14.16%
Free Cash Flow
- -
-144.09%
126.8%
Net Income, GAAP
21.09%
22.21%
163.03%
Sales/Revenue/Turnover
9.9%
9.19%
10.32%
Total Cash Common Dividend
- -
1.66%
0.27%

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
10
9
9
10
37
2025
10
10
11
- -
41
2026
11
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
-0.92
0.6
0.72
0.91
1.32
2025
0.67
0.76
- -
- -
3.45
2026
0.88
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
0.68
2025
- -
- -
- -
- -
0.68
2026
- -
- -
- -
- -
- -

Company Description

APIChat
CEO
Jason J. Hyska
Full Time Employees
118
Sector
Financial Services
Industry
Banks - Regional
Address
113-125 East Chicago Road Sturgis MI United States of America 49091
IPO Date
Apr 26, 1999
Business
Sturgis Bancorp, Inc. (STBI) operates as the holding company for Sturgis Bank & Trust Company, providing a range of commercial banking services to individuals, businesses, and municipalities primarily in southern Michigan. The bank offers deposit products including checking accounts, savings accounts, money market accounts, certificates of deposit, and individual retirement accounts; and loan products such as commercial real estate loans, commercial and industrial loans, agricultural loans, consumer installment loans, residential mortgage loans, and home equity lines of credit. Sturgis Bank & Trust Company maintains branches in Sturgis, Colon, Centreville, Three Rivers, White Pigeon, Schoolcraft, Vicksburg, Portage, and Mattawan, Michigan, serving retail, commercial, agricultural, and municipal customers. Founded in 1905 and headquartered in Sturgis, Michigan, the company focuses on community banking within the financial services industry. No major recent partnerships, acquisitions, funding rounds, product launches, or strategic shifts have been publicly reported for Sturgis Bancorp, Inc. within the last 1-2 years.

Company News

APIChat
  • Sturgis Bancorp, Inc. Declares Quarterly Cash Dividend

  • Sturgis Bancorp, Inc. Reports Financial Results for First Quarter 2026

  • Analyzing Northfield Bancorp (NASDAQ:NFBK) & Sturgis Bancorp (OTCMKTS:STBI)

  • Sturgis Bancorp (OTCMKTS:STBI) Stock Crosses Above Fifty Day Moving Average – Here’s Why

  • Greene County Bancorp (NASDAQ:GCBC) vs. Sturgis Bancorp (OTCMKTS:STBI) Financial Analysis

  • Sturgis Bancorp, Inc. Reports Financial Results for Full-Year 2025

  • Comparing Gouverneur Bancorp Inc./MD (OTCMKTS:GOVB) & Sturgis Bancorp (OTCMKTS:STBI)

  • Sturgis Bancorp, Inc. Increases Quarterly Cash Dividend

  • Sturgis Bancorp (OTCMKTS:STBI) Share Price Crosses Above 50 Day Moving Average – Should You Sell?

  • Sturgis Bancorp Inc. (OTCMKTS:STBI) Sees Significant Decrease in Short Interest

  • Critical Comparison: Sturgis Bancorp (OTCMKTS:STBI) & Carver Bancorp (NASDAQ:CARV)

  • First Savings Financial Group (NASDAQ:FSFG) & Sturgis Bancorp (OTCMKTS:STBI) Head to Head Review

  • Sturgis Bancorp, Inc. Declares Quarterly Cash Dividend

  • Sturgis Bancorp, Inc. Reports Financial Results for Third Quarter 2025

  • Sturgis Bancorp, Inc. Reports Financial Results for Second Quarter 2025

  • Sturgis Bancorp, Inc. Declares Quarterly Cash Dividend

  • Sturgis Bancorp Board Leadership Announced

  • Sturgis Bancorp, Inc. Reports Financial Results for First Quarter 2025

  • Sturgis Bancorp, Inc. Declares Quarterly Cash Dividend

  • Sturgis Bancorp, Inc. Reports Financial Results for Full-Year 2024