Sturgis Bancorp Net Income
| STBI Stock | USD 22.00 0.02 0.09% |
As of the 12th of February 2026, Sturgis Bancorp has the Coefficient Of Variation of 711.21, risk adjusted performance of 0.1143, and Semi Deviation of 0.7166. In relation to fundamental indicators, the technical analysis model makes it possible for you to check existing technical drivers of Sturgis Bancorp, as well as the relationship between them. In other words, you can use this information to find out if the company will indeed mirror its model of past prices and volume data, or the prices will eventually revert. We have analyzed nineteen technical drivers for Sturgis Bancorp, which can be compared to its competition.
Sturgis Bancorp's financial statements offer valuable quarterly and annual insights to potential investors, highlighting the company's current and historical financial position, overall management performance, and changes in financial standing over time. Key fundamentals influencing Sturgis Bancorp's valuation are provided below:Sturgis Bancorp does not presently have any fundamental trend indicators for analysis. This module does not cover all equities due to inconsistencies in global equity categorizations. Continue to Equity Screeners to view more equity screening tools. Sturgis |
Sturgis Bancorp 'What if' Analysis
In the world of financial modeling, what-if analysis is part of sensitivity analysis performed to test how changes in assumptions impact individual outputs in a model. When applied to Sturgis Bancorp's otc stock what-if analysis refers to the analyzing how the change in your past investing horizon will affect the profitability against the current market value of Sturgis Bancorp.
| 11/14/2025 |
| 02/12/2026 |
If you would invest 0.00 in Sturgis Bancorp on November 14, 2025 and sell it all today you would earn a total of 0.00 from holding Sturgis Bancorp or generate 0.0% return on investment in Sturgis Bancorp over 90 days. Sturgis Bancorp is related to or competes with West Shore, Denali Bancorporation, HCB Financial, Lumbee Guaranty, MBT Bancshares, Infinity Bank, and Home Loan. Sturgis Bancorp, Inc. operates as the bank holding company for Sturgis Bank Trust Company that provides banking products... More
Sturgis Bancorp Upside/Downside Indicators
Understanding different market momentum indicators often help investors to time their next move. Potential upside and downside technical ratios enable traders to measure Sturgis Bancorp's otc stock current market value against overall market sentiment and can be a good tool during both bulling and bearish trends. Here we outline some of the essential indicators to assess Sturgis Bancorp upside and downside potential and time the market with a certain degree of confidence.
| Downside Deviation | 1.29 | |||
| Information Ratio | 0.0468 | |||
| Maximum Drawdown | 4.92 | |||
| Value At Risk | (2.03) | |||
| Potential Upside | 2.17 |
Sturgis Bancorp Market Risk Indicators
Today, many novice investors tend to focus exclusively on investment returns with little concern for Sturgis Bancorp's investment risk. Other traders do consider volatility but use just one or two very conventional indicators such as Sturgis Bancorp's standard deviation. In reality, there are many statistical measures that can use Sturgis Bancorp historical prices to predict the future Sturgis Bancorp's volatility.| Risk Adjusted Performance | 0.1143 | |||
| Jensen Alpha | 0.1431 | |||
| Total Risk Alpha | 0.0151 | |||
| Sortino Ratio | 0.0399 | |||
| Treynor Ratio | 6.94 |
Sturgis Bancorp February 12, 2026 Technical Indicators
| Cycle Indicators | ||
| Math Operators | ||
| Math Transform | ||
| Momentum Indicators | ||
| Overlap Studies | ||
| Pattern Recognition | ||
| Price Transform | ||
| Statistic Functions | ||
| Volatility Indicators | ||
| Volume Indicators |
| Risk Adjusted Performance | 0.1143 | |||
| Market Risk Adjusted Performance | 6.95 | |||
| Mean Deviation | 0.7284 | |||
| Semi Deviation | 0.7166 | |||
| Downside Deviation | 1.29 | |||
| Coefficient Of Variation | 711.21 | |||
| Standard Deviation | 1.1 | |||
| Variance | 1.22 | |||
| Information Ratio | 0.0468 | |||
| Jensen Alpha | 0.1431 | |||
| Total Risk Alpha | 0.0151 | |||
| Sortino Ratio | 0.0399 | |||
| Treynor Ratio | 6.94 | |||
| Maximum Drawdown | 4.92 | |||
| Value At Risk | (2.03) | |||
| Potential Upside | 2.17 | |||
| Downside Variance | 1.68 | |||
| Semi Variance | 0.5135 | |||
| Expected Short fall | (1.15) | |||
| Skewness | 0.1845 | |||
| Kurtosis | 1.3 |
Sturgis Bancorp Backtested Returns
Sturgis Bancorp is very steady at the moment. Sturgis Bancorp owns Efficiency Ratio (i.e., Sharpe Ratio) of 0.15, which indicates the firm had a 0.15 % return per unit of risk over the last 3 months. We have found twenty-six technical indicators for Sturgis Bancorp, which you can use to evaluate the volatility of the company. Please validate Sturgis Bancorp's Semi Deviation of 0.7166, risk adjusted performance of 0.1143, and Coefficient Of Variation of 711.21 to confirm if the risk estimate we provide is consistent with the expected return of 0.16%. Sturgis Bancorp has a performance score of 11 on a scale of 0 to 100. The entity has a beta of 0.0209, which indicates not very significant fluctuations relative to the market. As returns on the market increase, Sturgis Bancorp's returns are expected to increase less than the market. However, during the bear market, the loss of holding Sturgis Bancorp is expected to be smaller as well. Sturgis Bancorp right now has a risk of 1.06%. Please validate Sturgis Bancorp potential upside, as well as the relationship between the skewness and day typical price , to decide if Sturgis Bancorp will be following its existing price patterns.
Auto-correlation | 0.39 |
Below average predictability
Sturgis Bancorp has below average predictability. Overlapping area represents the amount of predictability between Sturgis Bancorp time series from 14th of November 2025 to 29th of December 2025 and 29th of December 2025 to 12th of February 2026. The more autocorrelation exist between current time interval and its lagged values, the more accurately you can make projection about the future pattern of Sturgis Bancorp price movement. The serial correlation of 0.39 indicates that just about 39.0% of current Sturgis Bancorp price fluctuation can be explain by its past prices.
| Correlation Coefficient | 0.39 | |
| Spearman Rank Test | 0.46 | |
| Residual Average | 0.0 | |
| Price Variance | 0.08 |
Because income is reported on the Income Statement of a company and is measured in dollars some investors prefer to use Profit Margin, which measures income as a percentage of sales.
| Competition |
Based on the recorded statements, Sturgis Bancorp reported net income of 6.34 M. This is 99.5% lower than that of the Thrifts & Mortgage Finance sector and significantly higher than that of the Financials industry. The net income for all United States stocks is 98.89% higher than that of the company.
Sturgis Net Income Peer Comparison
Stock peer comparison is one of the most widely used and accepted methods of equity analyses. It analyses Sturgis Bancorp's direct or indirect competition against its Net Income to detect undervalued stocks with similar characteristics or determine the otc stocks which would be a good addition to a portfolio. Peer analysis of Sturgis Bancorp could also be used in its relative valuation, which is a method of valuing Sturgis Bancorp by comparing valuation metrics of similar companies.Sturgis Bancorp is currently under evaluation in net income category among its peers.
Sturgis Fundamentals
| Return On Equity | 0.13 | |||
| Return On Asset | 0.0082 | |||
| Profit Margin | 0.21 % | |||
| Operating Margin | 0.27 % | |||
| Current Valuation | 39.13 M | |||
| Shares Outstanding | 2.14 M | |||
| Price To Earning | 7.08 X | |||
| Price To Book | 0.85 X | |||
| Price To Sales | 1.48 X | |||
| Revenue | 28.77 M | |||
| Gross Profit | 31.47 M | |||
| Net Income | 6.34 M | |||
| Cash And Equivalents | 14.6 M | |||
| Cash Per Share | 6.84 X | |||
| Total Debt | 103.67 M | |||
| Book Value Per Share | 24.55 X | |||
| Cash Flow From Operations | 12.63 M | |||
| Earnings Per Share | 3.06 X | |||
| Number Of Employees | 19 | |||
| Beta | 0.45 | |||
| Market Capitalization | 47.42 M | |||
| Total Asset | 751.74 M | |||
| Retained Earnings | 9.14 M | |||
| Annual Yield | 0.03 % | |||
| Five Year Return | 3.04 % | |||
| Net Asset | 751.74 M | |||
| Last Dividend Paid | 0.68 |
About Sturgis Bancorp Fundamental Analysis
The Macroaxis Fundamental Analysis modules help investors analyze Sturgis Bancorp's financials across various querterly and yearly statements, indicators and fundamental ratios. We help investors to determine the real value of Sturgis Bancorp using virtually all public information available. We use both quantitative as well as qualitative analysis to arrive at the intrinsic value of Sturgis Bancorp based on its fundamental data. In general, a quantitative approach, as applied to this otc stock, focuses on analyzing financial statements comparatively, whereas a qaualitative method uses data that is important to a company's growth but cannot be measured and presented in a numerical way.
Please read more on our fundamental analysis page.
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Other Information on Investing in Sturgis OTC Stock
Sturgis Bancorp financial ratios help investors to determine whether Sturgis OTC Stock is cheap or expensive when compared to a particular measure, such as profits or enterprise value. In other words, they help investors to determine the cost of investment in Sturgis with respect to the benefits of owning Sturgis Bancorp security.