Sturgis Bancorp, Inc.

STBI

STBISturgis Bancorp, Inc. US flag

Other OTC

26.55

USD

- -

57.64MMarket Cap

Income Statement (USD)

API Chat

	2011 Y	2012 Y	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
Sales/Revenue/Turnover	14	14	14	14	16	17	18	19	21	27	29	31	37	37	41
+ Sales & Services Revenue	14	14	14	14	16	17	18	19	21	27	29	31	37	37	41
- Cost of Revenue	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cost of Goods & Services	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Profit	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Operating Income	- -	- -	-2	-2	-3	-3	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Operating Expenses	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Selling, General & Admin	7	7	7	7	8	8	9	9	10	11	14	15	19	19	21
+ Research & Development	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Operating Expense	-7	-7	-7	-7	-8	-8	-9	-9	-10	-11	-14	-15	-19	-19	-21
Operating Income (Loss)	- -	- -	2	2	3	3	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Non-Operating (Income) Loss	- -	-2	- -	- -	- -	- -	-3	-5	-6	-7	-8	-8	-7	-3	-9
+ Interest Expense, Net	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Interest Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Non-Op (Income) Loss	- -	-2	- -	- -	- -	- -	-3	-5	-6	-7	-8	-8	-7	-3	-9
Pretax Income	- -	2	2	2	3	3	3	5	6	7	8	8	7	3	9
- Income Tax Expense (Benefit)	- -	1	- -	- -	- -	1	- -	1	1	1	1	1	1	- -	2
- (Income) Loss from Affiliates	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Income (Loss) from Cont Ops	1	2	2	2	2	3	3	4	5	6	6	7	6	3	7
- Net Extraordinary Losses (Gains)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Discontinued Operations	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Extraord. & Accounting Changes	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Income (Loss) Incl. MI	1	2	2	2	2	3	3	4	5	6	6	7	6	3	7
- Minority Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Income, GAAP	1	2	2	2	2	3	3	4	5	6	6	7	6	3	7
- Preferred Dividends	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Other Adjustments	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Income Avail to Common, GAAP	1	2	2	2	2	3	3	4	5	6	6	7	6	3	7
EBIT	- -	- -	2	2	3	3	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA	1	1	3	3	4	4	1	1	- -	1	2	2	2	2	2
EBITDA Margin (%)	4.85	4.96	18.56	21.78	23.1	24.8	5.38	4.85	- -	3.96	7.94	5.13	5.2	6.01	5.81
EBITA	- -	- -	2	2	3	3	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100	100	100
Operating Margin (%)	- -	- -	13.05	16.11	17.7	19.42	- -	- -	- -	- -	- -	- -	- -	- -	- -
Profit Margin (%)	3.5	12.98	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
Sales per Employee	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Dividend per Share	0.03	- -	- -	0.09	0.14	0.42	0.48	0.57	- -	0.64	0.64	0.68	0.68	0.68	0.68
Depreciation Expense	1	1	1	1	1	1	1	1	- -	1	2	2	2	2	2
Basic Weighted Avg Shares	2	2	2	2	2	2	2	2	2	2	2	2	2	2	2
Basic EPS, GAAP	0.25	0.92	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
Basic EPS from Cont Ops	0.25	0.92	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
Diluted Weighted Avg Shares	2	2	2	2	2	2	2	2	2	2	2	2	2	2	2
Diluted EPS, GAAP	0.25	0.92	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
Diluted EPS from Cont Ops	0.25	0.92	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

Balance Sheet (USD)

API Chat

	2011 Y	2012 Y	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
Total Current Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash, Cash Equivalents & STI	28	33	37	36	60	62	61	79	81	142	123	78	93	98	127
+ Cash & Cash Equivalents	28	32	36	29	33	29	36	33	26	69	40	15	40	21	41
+ ST Investments	- -	1	2	7	28	32	25	46	56	73	83	63	53	77	86
+ Accounts & Notes Receiv	1	1	1	1	1	1	2	2	2	2	2	3	3	3	3
+ Accounts Receivable, Net	1	1	1	1	1	1	2	2	2	2	2	3	3	3	3
+ Notes Receivable, Net	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Loans Receivable, Net	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Receivable, Net	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Inventory Adjustments	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other ST Assets	-29	-34	-38	-37	-61	-63	-62	-81	-83	-145	-125	-81	-96	-101	-130
+ Misc ST Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Prepaid Expenses	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Derivative & Hedging Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Assets Held-for-Sale	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Deferred Tax Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Noncurrent Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Property, Plant & Equip, Net	8	7	7	8	8	8	9	9	- -	12	13	17	19	19	19
+ Property, Plant & Equip	16	15	15	16	17	18	19	20	- -	24	26	31	32	33	33
- Accumulated Depreciation	8	8	8	9	9	10	10	11	- -	12	13	14	12	14	15
+ LT Investments & Receivables	- -	1	2	13	47	66	61	52	56	73	107	85	74	97	104
+ LT Investments	- -	1	2	13	47	66	61	52	56	73	107	85	74	97	104
+ LT Receivables	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other LT Assets	-8	-8	-9	-20	-55	-75	-70	-61	-56	-85	-121	-103	-93	-115	-123
+ Total Intangible Assets	6	6	7	7	8	7	7	7	7	8	9	9	9	9	9
+ Goodwill	5	5	5	5	6	6	6	6	6	6	6	6	6	6	6
+ Other Intangible Assets	1	1	2	1	2	1	1	1	1	2	3	3	3	3	3
+ LT Deferred Tax Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ LT Derivative & Hedging Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Misc LT Assets	-15	-15	-15	-27	-62	-82	-77	-68	-63	-93	-130	-111	-101	-124	-131
Total Assets	314	317	305	312	369	399	414	432	473	644	752	865	919	956	999
+ Payables & Accruals	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1	2	3	2
+ Accounts Payable	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1	2	3	2
+ Accrued Taxes	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Interest & Dividends Payable	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Payables & Accruals	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	15
+ ST Borrowings	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	15
+ ST Finance Leases	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other ST Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	-1	-2	-3	-17
+ Deferred Revenue	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Derivatives & Hedging	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Tax Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Misc ST Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	-1	-2	-3	-17
Total Current Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ LT Debt	53	52	45	44	48	61	34	44	70	76	104	86	55	76	16
+ LT Borrowings	53	52	45	44	48	61	34	44	70	76	104	86	55	76	16
+ LT Finance Leases	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other LT Liabilities	-53	-52	-45	-44	-48	-61	-34	-44	-70	-76	-104	-86	-55	-76	-16
+ Accrued Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Pension Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Revenue	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Tax Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Derivatives & Hedging	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Misc LT Liabilities	-53	-52	-45	-44	-48	-61	-34	-44	-70	-76	-104	-86	-55	-76	-16
Total Noncurrent Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Liabilities	289	290	276	282	336	364	377	391	430	596	699	812	864	901	935
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Share Capital & APIC	9	9	9	9	9	9	10	10	10	10	10	11	11	11	11
+ Common Stock	2	2	2	2	2	2	2	2	2	2	2	2	2	2	2
+ Additional Paid in Capital	7	7	7	7	7	7	8	8	8	8	8	8	9	9	9
- Treasury Stock	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Retained Earnings	16	18	20	21	23	25	27	31	34	39	44	49	52	53	59
+ Other Equity	- -	- -	- -	- -	- -	- -	- -	- -	-1	-2	-2	-7	-7	-9	-7
Equity Before Minority Interest	25	27	29	30	33	35	37	40	44	47	52	53	56	55	63
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Equity	25	27	29	30	33	35	37	40	44	47	52	53	56	55	63
Total Liabilities & Equity	314	317	305	312	369	399	414	432	473	644	752	865	919	956	999
Shares Outstanding	2	2	2	2	2	2	2	2	2	2	2	2	2	2	2
Number of Employees	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Capital Leases - Total	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt	25	20	9	16	15	32	-1	11	44	7	64	71	15	55	-11
Net Debt to Equity	100.66	75.75	30.83	51.38	46.42	92.14	-3.01	28.26	101.17	14.89	121.4	134.68	26.59	99.65	-16.94
Tangible Common Equity Ratio	6.02	6.61	7.35	7.79	6.95	7.01	7.38	7.78	7.83	6.13	5.87	5.11	5.16	4.9	5.49
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Cash Flow Statement (USD)

API Chat

	2011 Y	2012 Y	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
+ Net Income	1	2	2	2	2	3	3	4	- -	6	6	7	6	3	7
+ Depreciation & Amortization	1	1	1	1	1	1	1	1	- -	1	2	2	2	2	2
+ Non-Cash Items	3	-1	1	-1	-1	1	- -	1	- -	-2	-1	6	- -	- -	-3
+ Stock-Based Compensation	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Income Taxes	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	-1	- -
+ Asset Impairment Charge	1	1	- -	- -	- -	- -	- -	- -	- -	- -	-1	- -	- -	- -	- -
+ Other Non-Cash Adj	2	-1	- -	-1	-1	1	- -	1	- -	-2	- -	6	- -	2	-3
+ Chg in Non-Cash Work Cap	1	- -	1	- -	- -	1	- -	- -	- -	-3	5	-3	2	2	9
+ (Inc) Dec in Accts Receiv	3	-1	1	- -	- -	- -	- -	1	- -	-6	4	-2	- -	- -	1
+ (Inc) Dec in Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ (Inc) Dec in Prepaid Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Inc (Dec) in Accts Payable	-2	1	- -	1	- -	1	1	-1	- -	3	1	- -	3	2	8
+ Inc (Dec) in Other	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash from Operating Activities	5	2	4	2	2	5	5	6	- -	2	13	12	10	7	16
+ Change in Fixed & Intang	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Disp in Fixed & Intang	- -	1	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1
+ Disp of Fixed Prod Assets	- -	1	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1
+ Disp of Intangible Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Acq of Fixed & Intang	-1	- -	-1	-1	-1	- -	-1	-1	- -	-3	-2	-5	-3	-1	-2
+ Acq of Fixed Prod Assets	-1	- -	-1	-1	-1	- -	-1	-1	- -	-3	-2	-5	-3	-1	-2
+ Acq of Intangible Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash (Repurchase) of Equity	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Increase in Capital Stock	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Decrease in Capital Stock	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Net Change in LT Investment	35	-1	-1	-11	-17	-20	5	8	- -	-18	-37	10	12	-24	-7
+ Dec in LT Investment	36	- -	- -	1	16	5	20	10	- -	23	19	10	12	10	7
+ Inc in LT Investment	-1	-1	-1	-12	-33	-25	-15	-3	- -	-42	-56	- -	- -	-33	-14
+ Net Cash From Acq & Div	- -	- -	- -	- -	3	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash from Divestitures	- -	- -	- -	- -	3	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash for Acq of Subs	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash for JVs	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Investing Activities	14	-4	12	-4	-4	-13	-9	-26	- -	-95	-104	-158	-42	-36	-12
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash from Investing Activities	48	-5	11	-16	-19	-34	-5	-20	- -	-117	-143	-152	-32	-61	-19
+ Dividends Paid	- -	- -	- -	- -	- -	-1	-1	-1	- -	-1	-1	-1	-1	-1	-1
+ Net Cash From Debt	- -	- -	-8	- -	4	13	-27	10	- -	6	28	-18	-31	21	-45
+ Cash From Debt	- -	5	- -	- -	56	92	177	20	- -	124	28	182	301	387	166
+ Repayments of Debt	- -	-5	-8	- -	-52	-79	-204	-10	- -	-118	- -	-200	-332	-366	-212
+ Other Financing Activities	-57	- -	-6	5	17	14	39	5	- -	155	76	135	79	15	71
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash from Financing Activities	-57	- -	-14	5	21	26	12	14	- -	160	102	116	47	35	24
Effect of Foreign Exchange Rates	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Changes in Cash	-4	-3	1	-9	4	-3	11	1	- -	45	-28	-25	25	-19	21
EBITDA	1	1	3	3	4	4	1	1	- -	1	2	2	2	2	2
EBITDA Margin (%)	4.85	4.96	18.56	21.78	23.1	24.8	5.38	4.85	- -	3.96	7.94	5.13	5.2	6.01	5.81
Free Cash Flow	5	1	3	1	1	4	4	6	- -	-1	10	7	7	6	14
Net Cash Paid for Acquisitions	- -	- -	- -	- -	-3	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Free Cash Flow to Firm	- -	1	3	1	1	4	4	6	- -	-1	10	7	7	6	14
Free Cash Flow to Equity	4	2	-5	1	5	18	-23	15	- -	5	38	-11	-24	27	-30
Free Cash Flow per Basic Share	2.23	0.64	1.63	0.68	0.61	2.16	1.71	2.67	- -	-0.7	4.89	3.17	3.26	2.83	6.39
Price/Free Cash Flow	1.54	5.51	2.68	4.19	5.53	4.21	5.11	4.6	- -	6.93	2.45	2.33	2.77	4.73	2.5
Cash Flow to Net Income	10.2	0.82	2.4	1.23	0.85	1.83	1.53	1.49	- -	0.28	1.99	1.82	1.7	2.53	2.17
Capital Expenditures	-1	- -	-1	-1	-1	- -	-1	-1	- -	-3	-2	-5	-3	-1	-2