Sturgis Bancorp

STBI

Banks - Regional · Financial Services

Price

$28.88

-0.02 (-0.07%)

Market Cap

$70.6M

Exchange

Other OTC

Winston Score

Winston is curious

Mixed quality — meaningful strengths and weaknesses.

Data as of Aug 9, 2026 · filings through Jun 30, 2026

Share count rising — dilution

+1.4% over 4y

The company has issued more shares over this period, which dilutes each existing shareholder’s stake.

Diluted shares outstanding: 2.1M (2021) → 2.2M (2025)

Sturgis Bancorp is a small community bank holding company based in Sturgis, Michigan. It owns Sturgis Bank & Trust, which offers everyday banking services like checking and savings accounts, home loans, business loans, and wealth management. Its main customers are individuals, families, and small businesses in southwestern Michigan.

The company makes money primarily from the difference between the interest it charges on loans and the interest it pays on deposits, known as net interest income. It also earns fees from trust and wealth management services. Sturgis Bancorp operates a small network of branches concentrated in rural and small-town Michigan communities, giving it deep local relationships that larger national banks often lack in those markets. With a market cap of around $100 million, it is a very small bank, and its main risk is exposure to local economic conditions — if the regional economy weakens or interest rates shift unfavorably, loan defaults and shrinking margins could pressure earnings.

Winston Score History

Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+4.6% YoY

YoY Growth Rate

Slow revenue growth

EPS Growth

+52.6% YoY

YoY Growth Rate

Strong earnings growth

R&D Spend

$0/ year

0.0% of revenue

Below sector average (7%)

Research and development spending

Insider Activity

0.1%ownership

Relatively low insider ownership

Cash Position

Cash flow positive

$970M cash & investments

Company generates more cash than it spends — no dilution risk from fundraising

Growth context

Sturgis Bancorp is growing revenue at 5% year-over-year. The Winston Score measures business quality today — these growth metrics show what could matter tomorrow.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

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Bank Quality

Not applicable for this business.

Growth

Sales YoY

+6.8%

Slow sales growth (+6.8% YoY)

EPS YoY

+32.7%

Earnings growing fast (+32.7% YoY)

Earnings growing 25%+ a year. The compounder zone.

EPS Consistency

7/8 quarters

Every recent quarter grew earnings vs last year

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Capital Strength

Not applicable for this business.

Asset Quality

Not applicable for this business.

Valuation

P/E Ratio (TTM)

7.1x

Attractive valuation — P/E 7.1

P/E under 10. The price tag is small relative to last year's profit.

P/E vs Forward

N/A

not available

Data not available

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Dividends

Dividend Yield

2.42%

Moderate income — 2.42% yield

Standard yield zone for stable dividend payers. A meaningful piece of total return.

Dividend Growth

+4.4%

Dividend growing modestly (4.4% YoY)

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