Sturgis Bancorp (STBI) Stock Price, News & Analysis

Company Overview

Sturgis Bancorp, Inc. is the bank holding company for Sturgis Bank & Trust, a community-oriented financial institution headquartered in Sturgis, Michigan. Through its wholly owned subsidiary, the company offers a full suite of banking services tailored to the needs of individuals, families and local businesses. Its primary focus is on providing personalized banking solutions that reflect its deep roots in southwestern Michigan.

The company’s product lineup includes traditional deposit accounts such as checking, savings and money market accounts, alongside certificates of deposit. On the lending side, Sturgis Bancorp offers residential mortgages, home equity loans, consumer installment loans and a range of commercial lending products. Customers also have access to digital banking tools, including online and mobile banking platforms that support bill pay, account transfers and mobile deposit capabilities.

Sturgis Bancorp maintains a network of community branches throughout St. Joseph County and surrounding areas, reinforcing its commitment to local economic development. Although it operates primarily within Michigan’s Lower Peninsula, the bank’s strategic growth initiatives emphasize deepening client relationships and expanding its service footprint in adjacent communities. Governance is overseen by a locally based board of directors and executive management team focused on balancing prudent risk management with sustainable, community-driven growth.

Key Stats

• Today's Range: $19.00 to $19.01
• 50-Day Range: $18.25 to $19.95
• 52-Week Range: $16.75 to $19.95
• Volume: 2,203 shs
• Average Volume: 2,552 shs
• Market Capitalization: $41.14 million
• P/E Ratio: 6.21
• Dividend Yield: 3.58%
• Price Target: N/A
• Consensus Rating: N/A

Sturgis Bancorp Stock Analysis - MarketRank™

Sturgis Bancorp scored higher than 19% of companies evaluated by MarketBeat. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: N/A
• Analyst Rating: N/A

Consensus Rating

There is not enough analysis data for Sturgis Bancorp.

Earnings and Valuation

• Score: 1.3 / 5
• Proj. Earnings Growth: N/A

Price to Earnings Ratio vs. the Market

The P/E ratio of Sturgis Bancorp is 6.21, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 280.75.

Price to Earnings Ratio vs. Sector

The P/E ratio of Sturgis Bancorp is 6.21, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 246.55.

Short Interest

• Score: 3.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

0.01% of the float of Sturgis Bancorp has been sold short.

Short Interest Ratio / Days to Cover

Sturgis Bancorp has a short interest ratio ("days to cover") of 0.2, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Dividend

• Score: 2.5 / 5
• Dividend Strength: Moderate

Dividend Leadership

Sturgis Bancorp is a leading dividend payer. It pays a dividend yield of 3.62%, putting its dividend yield in the top 25% of dividend-paying stocks.

Dividend Growth

Sturgis Bancorp does not have a long track record of dividend growth.

Dividend Coverage

The dividend payout ratio of Sturgis Bancorp is 22.22%. This payout ratio is at a healthy, sustainable level, below 75%.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

0.01% of the float of Sturgis Bancorp has been sold short.

Short Interest Ratio / Days to Cover

Sturgis Bancorp has a short interest ratio ("days to cover") of 0.2, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

News and Social Media

• Score: 0.0 / 5
• News Sentiment: N/A

News Coverage This Week

MarketBeat has tracked 1 news article for Sturgis Bancorp this week, compared to 0 articles on an average week.

Company Ownership

• Score: 0.8 / 5
• Insider Trading: N/A

Insider Buying vs. Insider Selling

In the past three months, Sturgis Bancorp insiders have not sold or bought any company stock.

Percentage Held by Insiders

16.00% of the stock of Sturgis Bancorp is held by insiders. A high percentage of insider ownership can be a sign of company health.

STBI Stock Analysis - Frequently Asked Questions

How have STBI shares performed this year?

Sturgis Bancorp's stock was trading at $18.1001 at the start of the year. Since then, STBI stock has increased by 5.0% and is now trading at $19.01.

How were Sturgis Bancorp's earnings last quarter?

Sturgis Bancorp Inc. (OTCMKTS:STBI) released its earnings results on Thursday, July, 24th. The financial services provider reported $0.76 EPS for the quarter. The financial services provider earned $10.22 million during the quarter.

How do I buy shares of Sturgis Bancorp?

Shares of STBI stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of Sturgis Bancorp own?

Based on aggregate information from My MarketBeat watchlists, some other companies that Sturgis Bancorp investors own include ABM Industries (ABM), Merck & Co., Inc. (MRK), Texas Pacific Land (TPL), Agilent Technologies (A), American Assets Trust (AAT), AbbVie (ABBV) and Abbott Laboratories (ABT).

Company Calendar

• Last Earnings: 7/24/2025
• Ex-Dividend for 9/15 Dividend: 8/15/2025
• Record date for 9/15 Dividend: 8/18/2025
• Dividend Payable: 9/15/2025
• Today: 9/16/2025
• Next Earnings (Estimated): 10/16/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: OTCMKTS
• Sector: Finance
• Industry: FIN - SVGS & LOAN
• Sub-Industry: Banking
• Current Symbol: OTCMKTS:STBI
• CIK: 1166362
• Web: www.sturgisbank.com
• Phone: (269) 651-9345
• Fax: 616-651-5512
• Employees: 125
• Year Founded: N/A

Profitability

• EPS (Trailing Twelve Months): $3.06
• Trailing P/E Ratio: 6.52
• Forward P/E Ratio: N/A
• P/E Growth: N/A
• Net Income: $2.84 million
• Net Margins: 11.49%
• Pretax Margin: N/A
• Return on Equity: N/A
• Return on Assets: N/A

Debt

• Debt-to-Equity Ratio: N/A
• Current Ratio: N/A
• Quick Ratio: N/A

Sales & Book Value

• Annual Sales: $56.82 million
• Price / Sales: 0.76
• Cash Flow: N/A
• Price / Cash Flow: N/A
• Book Value: N/A
• Price / Book: N/A

Miscellaneous

• Outstanding Shares: 2,164,000
• Free Float: 1,818,000
• Market Cap: $43.17 million
• Optionable: Not Optionable
• Beta: 0.16