STBI
Sturgis Bancorp, Inc.
OTC Markets OTCQXUSDEQUITY
Financial Services
DELAYED
Last price
29.00
■ 0.00 (0.00%)
MARKET · —
Price
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Open
29.00
Prev close
29.00
Day high
29.00
Day low
28.75
Volume
523
Market cap
$63.04M
P/E (TTM)
7.14
52W range
18.65 – 29.75
Trailing performance
Returnvs SPY
1W
+1.05%
+2.4%
1M
+0.38%
-3.4%
3M
+12.71%
+9.6%
6M
+26.09%
+15.0%
YTD
+35.20%
+22.9%
1Y
+52.63%
+32.6%
3Y
+50.03%
-24.1%
5Y
—
—
Price return only. Dividends are not reinvested, so total return on a dividend payer will be higher than shown.
Unusual options activity
Nothing crossed the thresholds in the expiries we scanned.
That is the normal state — most contracts trade well inside their existing open interest.
That is the normal state — most contracts trade well inside their existing open interest.
Contracts trading at or above their open interest, ranked by notional and where the print landed.
Free account
5 more panels on STBI open with an account.
Options chains and analytics, valuation ratios, insider filings, analyst targets and ownership. No card, no trial, nothing to cancel.
Insider net activity
Net shares
0
Net selling
Buy transactions
0
0 shares
Sell transactions
0
—
Net transactions
0
Buys less sells
Sell : buy shares
—
Not enough filings
Insider-held shares
0
Total on file
Fundamentals
Market cap$63.04M
Enterprise value$54.51M
Revenue (TTM)$44.69M
Gross profit$44.69M
EBITDA—
Net income$8.80M
EPS (TTM)$4.06
Free cash flow—
Total cash$65.15M
Total debt$56.62M
Book value / share$30.73
Shares outstanding2.17M
Float2.03M
Short % of float—
Dividend yield2.48%
Beta (5Y)0.15
Valuation & profitability ratios
Trailing P/E7.14
Forward P/E—
PEG ratio—
Price / sales—
Price / book0.94
EV / revenue1.22
EV / EBITDA—
Gross margin0.00%
Operating margin28.85%
Profit margin19.70%
Return on equity14.04%
Return on assets0.87%
Debt / equity—
Current ratio—
Fourteen ratios including P/E, PEG, EV/EBITDA, margins and return on equity.
Financial statements
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Total revenue | $41.25M | $37.39M | $36.76M | $30.89M | +10.3% |
| Operating revenue | $41.25M | $37.39M | $36.76M | $30.89M | +10.3% |
| Selling, general & admin | $21.41M | $19.25M | $18.86M | $15.34M | +11.2% |
| Pre-tax income | $9.19M | $3.16M | $7.16M | $7.99M | +191.1% |
| Tax provision | $1.74M | $323.00K | $1.14M | $1.37M | +437.8% |
| Net income | $7.46M | $2.83M | $6.02M | $6.62M | +163.0% |
| Net income to common | $7.46M | $2.83M | $6.02M | $6.62M | +163.0% |
| Basic EPS | 3.45 | 1.32 | 2.81 | 3.10 | +161.4% |
| Diluted EPS | 3.45 | 1.32 | 2.81 | 3.10 | +161.4% |
| Basic shares | 2.16M | 2.15M | 2.14M | 2.14M | +0.4% |
| Diluted shares | 2.16M | 2.15M | 2.14M | 2.14M | +0.4% |
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Cash & equivalents | $41.40M | $20.80M | $40.01M | $14.98M | +99.0% |
| Accounts receivable | $3.43M | $3.40M | $3.10M | $2.69M | +0.7% |
| Goodwill & intangibles | $8.89M | $8.96M | $8.81M | $8.80M | -0.7% |
| Total assets | $998.66M | $956.39M | $919.47M | $864.80M | +4.4% |
| Current debt | $15.00M | $0 | — | — | — |
| Long-term debt | $15.68M | $76.02M | $54.84M | $85.75M | -79.4% |
| Total debt | $30.68M | $76.02M | $54.84M | $85.75M | -59.6% |
| Total liabilities | $935.41M | $900.98M | $863.70M | $812.26M | +3.8% |
| Retained earnings | $59.38M | $53.40M | $52.03M | $48.99M | +11.2% |
| Shareholder equity | $63.26M | $55.41M | $55.77M | $52.55M | +14.2% |
| Net tangible assets | $54.37M | $46.45M | $46.95M | $43.75M | +17.0% |
| Shares issued | 2.17M | 2.16M | 2.15M | 2.14M | +0.4% |
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Net income | $7.46M | $2.83M | $6.02M | $6.62M | +163.0% |
| Depreciation & amortisation | $2.40M | $2.25M | $1.91M | $1.58M | +6.5% |
| Stock-based compensation | $177.00K | $152.00K | — | — | +16.4% |
| Change in working capital | $8.97M | $1.61M | $2.46M | -$2.66M | +455.8% |
| Operating cash flow | $16.18M | $7.17M | $10.22M | $12.04M | +125.8% |
| Capital expenditure | -$2.36M | -$1.07M | -$3.24M | -$5.26M | -120.2% |
| Investing cash flow | -$19.49M | -$60.93M | -$32.17M | -$152.45M | +68.0% |
| Dividends paid | -$1.47M | -$1.47M | -$1.46M | -$1.45M | -0.3% |
| Financing cash flow | $23.91M | $34.55M | $46.97M | $115.87M | -30.8% |
| Free cash flow | $13.83M | $6.10M | $6.99M | $6.78M | +126.8% |
| End cash position | $41.40M | $20.80M | $40.01M | $14.98M | +99.0% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-06-30 | 2025-03-31 | 2024-12-31 | YoY |
|---|---|---|---|---|---|---|---|
| Total revenue | $10.67M | $10.76M | $10.98M | $10.02M | $9.70M | — | -0.8% |
| Operating revenue | $10.67M | $10.76M | $10.98M | $10.02M | $9.70M | — | -0.8% |
| Selling, general & admin | $5.47M | $5.50M | $5.65M | $5.17M | $5.38M | — | -0.6% |
| Pre-tax income | $3.14M | $2.38M | $2.48M | $2.02M | $1.76M | — | +32.1% |
| Tax provision | $621.00K | $466.00K | $465.00K | $378.00K | $319.00K | — | +33.3% |
| Net income | $2.52M | $1.91M | $2.01M | $1.64M | $1.45M | — | +31.9% |
| Net income to common | $2.52M | $1.91M | $2.01M | $1.64M | $1.45M | — | +31.9% |
| Basic EPS | 1.16 | 0.88 | — | 0.76 | 0.67 | 0.91 | +31.8% |
| Diluted EPS | 1.16 | 0.88 | — | 0.76 | 0.67 | 0.91 | +31.8% |
| Basic shares | 2.17M | 2.17M | — | 2.16M | 2.16M | 2.16M | +0.0% |
| Diluted shares | 2.17M | 2.17M | — | 2.16M | 2.16M | 2.16M | +0.0% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-06-30 | 2025-03-31 | 2024-12-31 | YoY |
|---|---|---|---|---|---|---|---|
| Cash & equivalents | $65.15M | $53.59M | $41.40M | $38.98M | $28.60M | — | +21.6% |
| Accounts receivable | $3.60M | $3.71M | $3.43M | $3.69M | $3.54M | — | -2.8% |
| Property, plant & equipment | $18.22M | $18.49M | $18.66M | $19.63M | $19.44M | — | -1.4% |
| Goodwill & intangibles | $9.40M | $8.92M | $8.89M | $8.94M | $9.00M | — | +5.4% |
| Total assets | $1.03B | $1.01B | $998.66M | $985.00M | $959.20M | — | +1.5% |
| Current debt | — | — | $15.00M | — | — | $0 | — |
| Long-term debt | $56.62M | $30.69M | $15.68M | $30.64M | $49.62M | — | +84.5% |
| Total debt | $56.62M | $30.69M | $30.68M | $30.64M | $49.62M | — | +84.5% |
| Total liabilities | $962.96M | $950.21M | $935.41M | $926.46M | $901.99M | — | +1.3% |
| Retained earnings | $63.04M | $60.91M | $59.38M | $55.75M | $54.48M | — | +3.5% |
| Shareholder equity | $66.80M | $64.66M | $63.26M | $58.55M | $57.22M | — | +3.3% |
| Net tangible assets | $57.40M | $55.75M | $54.37M | $49.61M | $48.22M | — | +3.0% |
| Shares issued | 2.17M | 2.17M | 2.17M | 2.16M | 2.16M | — | +0.1% |
No filings published for this symbol yet.
Newly listed companies often have nothing on file until their first annual report.
Newly listed companies often have nothing on file until their first annual report.
Options analytics
Put / call volume
—
—
Put / call open interest
—
Positioning, not flow
Max pain
—
—
ATM implied vol
—
Nearest strike to spot
Skew (10% OTM)
—
—
Call volume
0
Contracts, this expiry
Put volume
0
Contracts, this expiry
Heaviest call OI
—
—
Heaviest put OI
—
—
Max pain is the strike at which the largest dollar value of open contracts expires worthless. It describes current positioning; it is not a forecast and it moves as open interest changes.
Put/call ratios, max pain, implied volatility skew and where open interest is concentrated.
Earnings
Reported vs expected · EPS
| Quarter | Est. | Actual | Surprise |
|---|---|---|---|
| Sep 2013 | — | 0.23 | — |
Forward consensus
| Period | EPS | Analysts | Revenue | Growth |
|---|---|---|---|---|
| Current quarter | — | — | $0 | — |
| Next quarter | — | — | $0 | — |
| Current year | — | — | $0 | — |
| Next year | — | — | $0 | — |
Analyst targets & ownership
Mean target—
High target—
Low target—
Implied upside—
Analyst count—
ConsensusNONE
Strong buy / Buy— / —
Hold—
Sell / Strong sell— / —
Held by insiders0.00%
Held by institutions0.00%
Institutions holding0
Price targets, consensus spread, insider and institutional ownership.
Moving averages & technicals
SMA 10
28.92
+0.28% from price
SMA 20
28.91
+0.31% from price
SMA 50
28.03
+3.45% from price
SMA 100
26.40
+9.84% from price
SMA 200
24.11
+20.30% from price
EMA 12
28.93
+0.24% from price
EMA 26
28.71
+0.99% from price
EMA 50
28.05
+3.38% from price
RSI (14)
65.3
Neutral
MACD (12,26,9)
0.22
Hist -0.06
ATR (14)
0.08
0.29% of price
Realised vol 30D
8.8%
Annualised
Bollinger upper
29.06
20, 2σ
Bollinger lower
28.76
20, 2σ
50 / 200 cross
Golden
28.03 vs 24.11
Trend bias
Above 200
+20.30%
Options chain
Calls
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Puts
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Every listed expiry, both sides of the book, with volume, open interest and implied volatility.
Risk profile
Beta vs SPY
0.08
Less volatile than market
Correlation to SPY
0.04
Largely independent
Realised vol 30D
8.8%
Annualised
Market vol 1Y
12.9%
SPY, annualised
Max drawdown 1Y
-9.1%
Peak to trough
Max drawdown 5Y
-33.0%
Peak to trough
ATR 14
0.08
0.29% of price
Beta (reported)
0.15
5Y monthly, from filing
Short interest
Shares short
1.05K
Prior 548
Change vs prior
+92.3%
Shorts adding
% of float
—
—
% of shares out
0.00%
Against total outstanding
Days to cover
0.0
Liquid
Float
2.03M
Freely tradeable shares
Exchanges publish short interest twice a month with a settlement lag, so this is roughly two weeks behind. Days to cover divides shares short by average daily volume — it estimates how long covering would take, not whether it will happen.
Dividends & splits
Forward rate$0.72 / yr
Forward yield2.48%
5-year avg yield3.49%
Payout ratio17.24%
Ex-dividend dateAug 14, 2026
Next pay dateSep 15, 2026
Last split—
Split date—
Headlines
PRIVATE STRATEGY · BY QUALIFICATION
The same data. A different seat.
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