Sturgis Bancorp, Inc.

OTCPK:STBI Stock Report

Market Cap: US$38.9m

Sturgis Bancorp Past Earnings Performance

Past criteria checks 1/6

Sturgis Bancorp's earnings have been declining at an average annual rate of -1.7%, while the Banks industry saw earnings growing at 7% annually. Revenues have been growing at an average rate of 11.6% per year. Sturgis Bancorp's return on equity is 3.9%, and it has net margins of 6.4%.

Key information

-1.7%

Earnings growth rate

-2.0%

EPS growth rate

Banks Industry Growth11.2%
Revenue growth rate11.6%
Return on equity3.9%
Net Margin6.4%
Last Earnings Update30 Jun 2024

Recent past performance updates

No updates

Recent updates

Revenue & Expenses Breakdown

How Sturgis Bancorp makes and spends money. Based on latest reported earnings, on an LTM basis.

Earnings and Revenue History

OTCPK:STBI Revenue, expenses and earnings (USD Millions)
DateRevenueEarningsG+A ExpensesR&D Expenses
30 Jun 24332250
31 Mar 24333240
31 Dec 23366230
30 Jun 23357210
31 Mar 23337200
31 Dec 22317190
30 Sep 22316190
30 Jun 22306190
31 Mar 22296180
31 Dec 21286170
30 Sep 21276160
30 Jun 21266150
31 Mar 21256150
31 Dec 20246140
30 Sep 20236130
30 Jun 20225130
31 Mar 20225130
31 Dec 19215130
30 Sep 19205120
30 Jun 19205120
31 Mar 19205120
31 Dec 18194120
30 Sep 18194120
30 Jun 18183120
31 Mar 18183120
31 Dec 17183120
30 Sep 17183120
30 Jun 17183120
31 Mar 17183110
31 Dec 16173110
30 Sep 16173110
30 Jun 16173110
31 Mar 16173110
31 Dec 15162110
30 Sep 15162110
30 Jun 15152110
31 Mar 15152100
31 Dec 14152100
30 Sep 14152100
30 Jun 14152100
31 Mar 14152100
31 Dec 1315290

Quality Earnings: STBI has high quality earnings.

Growing Profit Margin: STBI's current net profit margins (6.4%) are lower than last year (20.9%).

Free Cash Flow vs Earnings Analysis

Past Earnings Growth Analysis

Earnings Trend: STBI's earnings have declined by 1.7% per year over the past 5 years.

Accelerating Growth: STBI's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.

Earnings vs Industry: STBI had negative earnings growth (-70.8%) over the past year, making it difficult to compare to the Banks industry average (-11.8%).

Return on Equity

High ROE: STBI's Return on Equity (3.9%) is considered low.

Return on Assets

Return on Capital Employed

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2024/12/24 12:10
End of Day Share Price 2024/12/20 00:00
Earnings2024/06/30
Annual Earnings2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

Sturgis Bancorp, Inc. is covered by 0 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution