Sturgis Bancorp, Inc.
Sturgis Bancorp, Inc. Fundamental Analysis
Sturgis Bancorp, Inc. (STBI) shows moderate financial fundamentals with a PE ratio of 6.88, profit margin of 12.69%, and ROE of 12.41%. The company generates $0.1B in annual revenue with moderate year-over-year growth of 5.38%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 42.5/100 based on profitability, valuation, growth, and balance sheet metrics. The D grade reflects weak fundamentals and significant financial concerns.
Fundamental Health Score
We analyze STBI's fundamental strength across five key dimensions:
Efficiency Score
WeakSTBI struggles to generate sufficient returns from assets.
Valuation Score
ModerateSTBI shows balanced valuation metrics.
Growth Score
ModerateSTBI shows steady but slowing expansion.
Financial Health Score
ModerateSTBI shows balanced financial health with some risks.
Profitability Score
WeakSTBI struggles to sustain strong margins.
Key Financial Metrics
Is STBI Expensive or Cheap?
P/E Ratio
STBI trades at 6.88 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, STBI's PEG of 11.80 indicates potential overvaluation.
Price to Book
The market values Sturgis Bancorp, Inc. at 0.81 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 3.42 times EBITDA. This is generally considered low.
How Well Does STBI Make Money?
Net Profit Margin
For every $100 in sales, Sturgis Bancorp, Inc. keeps $12.69 as profit after all expenses.
Operating Margin
Core operations generate 15.65 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $12.41 in profit for every $100 of shareholder equity.
ROA
Sturgis Bancorp, Inc. generates $0.75 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
Sturgis Bancorp, Inc. generates limited operating cash flow of $0.00, signaling weaker underlying cash strength.
Free Cash Flow
Sturgis Bancorp, Inc. generates weak or negative free cash flow of $0.00, restricting financial flexibility.
FCF Per Share
Each share generates $0.00 in free cash annually.
FCF Yield
STBI converts 0.00% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
6.88
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
11.80
vs 25 benchmark
P/B Ratio
Price to book value ratio
0.81
vs 25 benchmark
P/S Ratio
Price to sales ratio
0.88
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.49
vs 25 benchmark
Current Ratio
Current assets to current liabilities
0.00
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.12
vs 25 benchmark
ROA
Return on assets percentage
0.007
vs 25 benchmark
ROCE
Return on capital employed
0.009
vs 25 benchmark
How STBI Stacks Against Its Sector Peers
| Metric | STBI Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 6.88 | 18.66 | Better (Cheaper) |
| ROE | 12.41% | 806.00% | Weak |
| Net Margin | 12.69% | -451.00% (disorted) | Strong |
| Debt/Equity | 0.49 | 1.00 | Strong (Low Leverage) |
| Current Ratio | 0.00 | 662.02 | Weak Liquidity |
| ROA | 0.75% | -24409.00% (disorted) | Weak |
STBI outperforms its industry in 3 out of 6 key metrics, particularly excelling in Net Margin, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews Sturgis Bancorp, Inc.'s 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
90.82%
Industry Style: Value, Dividend, Cyclical
High GrowthEPS CAGR
21.50%
Industry Style: Value, Dividend, Cyclical
High GrowthFCF CAGR
-100.00%
Industry Style: Value, Dividend, Cyclical
Declining