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STBI (Sturgis) Stock Analysis
Buy, Hold or Sell?

Let's analyze Sturgis together

I guess you are interested in Sturgis Bancorp Inc. Buy, hold or sell? I don't know! However, I do recommend doing research before doing anything. I will help you with that.

  • πŸ“Š Fundamental Analysis (FA) – Sturgis’s Financial Insights
  • πŸ“ˆ Technical Analysis (TA) – Sturgis’s Price Targets

I'm going to help you getting a better view of Sturgis Bancorp Inc. At the end you don't have to ask anyone for trading advice. You can make your own decision, with more confidence, the odds in your favor, backed by data.

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1. Quick Overview

1.1. Quick analysis of Sturgis (30 sec.)










1.2. What can you expect buying and holding a share of Sturgis? (30 sec.)

How much money do you get?

How much money do you get?
$0.00
When do you have the money?
1 year
How often do you get paid?
90.0%

What is your share worth?

Current worth
$25.64
Expected worth in 1 year
$24.97
How sure are you?
90.0%

+ What do you gain per year?

Total Gains per Share
$-0.66
Return On Investment
-3.6%

For what price can you sell your share?

Current Price per Share
$18.50
Expected price per share
$18.09 - $18.75
How sure are you?
50%
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2. Detailed Analysis

2.1. Valuation of Sturgis (5 min.)




Live pricePrice per Share (EOD)
$18.50

2.2. Growth of Sturgis (5 min.)




Is Sturgis growing?

Current yearPrevious yearGrowGrow %
How rich?$55.4m$55.7m-$359k-0.6%

How much money is Sturgis making?

Current yearPrevious yearGrowGrow %
Making money$2.8m$6m-$3.1m-112.3%
Net Profit Margin7.6%16.4%--

How much money comes from the company's main activities?

2.3. Financial Health of Sturgis (5 min.)




2.4. Comparing to competitors in the Banks - Regional industry (5 min.)




  Industry Rankings (Banks - Regional)  

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3. Summary and Key Metrics

3.1. What can you expect buying and holding a share of Sturgis?

Welcome investor! Sturgis's management wants to use your money to grow the business. In return you get a share of Sturgis.

First you should know what it really means to hold a share of Sturgis. And how you can make/lose money.

Speculation

The Price per Share of Sturgis is $18.50. The market price reflects what other people think it is worth; not what it's really worth. Your job is to find out if the market price is fair, overpriced, or underpriced. I will help you with that.

If you buy blind, there is a 50% chance of making or losing money by selling the stock in the future. However, we can look at a few things to determine the odds in our favor:

  • The fundamentals: the financial health trends of Sturgis.
  • The technials: based on market psychology, we can make a calculated estimate of what the price will do in the future. We can do this through technical analysis. We can calculate the probabilities and the expected value (millionaire math). That's called speculation.
  • The book value: what is the market price compared to it's book value.

Investing

If you really want to invest in Sturgis, you will have to let go of the thought of selling in the future. If you have to sell the share for less than you bought it, it can still be a good investment. Focus on what it means to hold the stock forever:

  • You own a part of the company. The equity of this part can grow or shrink. The current Book Value per Share is $25.64. Based on the TTM, the Book Value Change Per Share is $-0.17 per quarter. Based on the YOY, the Book Value Change Per Share is $1.49 per quarter.
  • You may receive quarterly/yearly dividend in the form of additional shares.
  • You may receive quarterly/yearly dividend in the form of cash. Based on the TTM the Dividend per Share is $0.00 per quarter.
Based on historical numbers we can estimate the returns while holding a share of Sturgis.

How much money are you going to get?

 MRQTTMYOY3Y5Y10Y
 $% of Price per Share$% of Price per Share$% of Price per Share$% of Price per Share$% of Price per Share$% of Price per Share
Usd Eps1.317.1%1.317.1%2.7815.1%2.3912.9%2.5713.9%2.1011.4%
Usd Book Value Change Per Share-0.17-0.9%-0.17-0.9%1.498.1%0.462.5%1.105.9%1.166.3%
Usd Dividend Per Share0.000.0%0.000.0%0.673.6%0.452.4%0.522.8%0.472.6%
Usd Total Gains Per Share-0.17-0.9%-0.17-0.9%2.1611.7%0.914.9%1.628.7%1.638.8%
Usd Price Per Share18.10-18.10-18.09-18.83-18.79-15.95-
Price to Earnings Ratio13.80-13.80-6.50-8.97-8.01-7.96-
Price-to-Total Gains Ratio-108.98--108.98-8.36--24.19--11.66--2.12-
Price to Book Ratio0.71-0.71-0.70-0.75-0.77-0.76-
Price-to-Total Gains Ratio-108.98--108.98-8.36--24.19--11.66--2.12-

When do you get the money?

Usd Investment
$.00
Usd Price Per Share18.5
Number of shares54
Gains per QuarterTrailing 12 Months5 Year
Usd Dividend Per Share0.000.52
Usd Book Value Change Per Share-0.171.10
Usd Total Gains Per Share-0.171.62
Gains per Quarter (54 shares)-8.9787.26
Gains per Year (54 shares)-35.88349.05
YearsReturn on Investment (TTM)Return on Investment (5Y)
 DividendBook Value gainTotal gainsDividendBook Value gainTotal gains
Broker costs---10---10
10-36-46112237339
20-72-82225473688
30-108-1183377101037
40-144-1544509461386
50-179-19056211831735
60-215-22667514192084
70-251-26278716562433
80-287-29890018932782
90-323-334101221293131
100-359-370112523663480

How sure are you?

Based on the past periods, how sure are you to get value out of your investment.

Linear %
 Trailing 12 Months3Y5 Year10 YearALLTIME
  % % % % %
Earnings Per Share1.00.00.0100.0%3.00.00.0100.0%5.00.00.0100.0%10.00.00.0100.0%23.00.01.095.8%
Book Value Change Per Share0.01.00.00.0%2.01.00.066.7%4.01.00.080.0%9.01.00.090.0%17.07.00.070.8%
Dividend per Share0.00.01.00.0%2.00.01.066.7%4.00.01.080.0%9.00.01.090.0%16.00.08.066.7%
Total Gains per Share0.01.00.00.0%2.01.00.066.7%4.01.00.080.0%9.01.00.090.0%19.05.00.079.2%
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3.2. Key Performance Indicators

The key performance indicators of Sturgis Bancorp Inc compared to the Most Recent Quarter (MRQ).

 End of day+/-Most Recent QuarterTrailing 12 Months+/-Year-Over-Year+/-3Y+/-5 Year+/-10 Year+/-
Book Value Change Per Share---0.166-0.1660%1.490-111%0.458-136%1.095-115%1.159-114%
Book Value Per Share--25.63525.6350%25.801-1%25.249+2%24.361+5%20.895+23%
Current Ratio----0%-0%0.009-100%0.053-100%0.080-100%
Debt To Asset Ratio--0.9420.9420%0.939+0%0.940+0%0.936+1%0.923+2%
Debt To Equity Ratio--16.26116.2610%15.487+5%15.735+3%14.641+11%12.371+31%
Dividend Per Share----0%0.674-100%0.449-100%0.521-100%0.474-100%
Enterprise Value---861857936.000-861857936.0000%-824603550.400-4%-818280418.133-5%-733937665.280-15%-561008018.133-35%
Eps--1.3121.3120%2.784-53%2.386-45%2.574-49%2.101-38%
Ev To Sales Ratio---23.051-23.0510%-22.433-3%-23.451+2%-22.809-1%-21.024-9%
Gross Profit Margin--1.0001.0000%1.0000%1.0000%1.0000%1.0000%
Market Cap39986640.000+2%39122064.00039122064.0000%39100449.600+0%40699915.200-4%40609134.720-4%34468483.680+14%
Net Profit Margin--0.0760.0760%0.164-54%0.151-50%0.180-58%0.185-59%
Operating Margin----0%-0%-0%-0%-0%
Operating Ratio----0%-0%-0%-0%0.421-100%
Pb Ratio0.722+2%0.7060.7060%0.701+1%0.747-6%0.774-9%0.755-7%
Pe Ratio14.105+2%13.80013.8000%6.497+112%8.975+54%8.008+72%7.963+73%
Price Per Share18.500+2%18.10018.1000%18.090+0%18.830-4%18.788-4%15.947+14%
Price To Free Cash Flow Ratio----0%5.595-100%4.023-100%-2.1830%3.770-100%
Price To Total Gains Ratio-111.383-2%-108.975-108.9750%8.360-1404%-24.193-78%-11.658-89%-2.124-98%
Quick Ratio----0%-0%0.030-100%0.099-100%0.113-100%
Return On Assets--0.0030.0030%0.007-55%0.006-48%0.007-58%0.008-61%
Return On Equity--0.0510.0510%0.108-53%0.095-46%0.107-52%0.099-48%
Total Gains Per Share---0.166-0.1660%2.164-108%0.907-118%1.616-110%1.634-110%
Usd Book Value--55409000.00055409000.0000%55768000.000-1%54575000.000+2%52654600.000+5%45163800.000+23%
Usd Book Value Change Per Share---0.166-0.1660%1.490-111%0.458-136%1.095-115%1.159-114%
Usd Book Value Per Share--25.63525.6350%25.801-1%25.249+2%24.361+5%20.895+23%
Usd Dividend Per Share----0%0.674-100%0.449-100%0.521-100%0.474-100%
Usd Enterprise Value---861857936.000-861857936.0000%-824603550.400-4%-818280418.133-5%-733937665.280-15%-561008018.133-35%
Usd Eps--1.3121.3120%2.784-53%2.386-45%2.574-49%2.101-38%
Usd Free Cash Flow----0%6988000.000-100%4589000.000-100%4538600.000-100%4047100.000-100%
Usd Market Cap39986640.000+2%39122064.00039122064.0000%39100449.600+0%40699915.200-4%40609134.720-4%34468483.680+14%
Usd Price Per Share18.500+2%18.10018.1000%18.090+0%18.830-4%18.788-4%15.947+14%
Usd Profit--2835000.0002835000.0000%6018000.000-53%5157666.667-45%5564600.000-49%4541300.000-38%
Usd Revenue--37389000.00037389000.0000%36759000.000+2%35014333.333+7%32111200.000+16%25173300.000+49%
Usd Total Gains Per Share---0.166-0.1660%2.164-108%0.907-118%1.616-110%1.634-110%
 EOD+3 -4MRQTTM+0 -0YOY+5 -253Y+8 -245Y+6 -2510Y+10 -23

3.3 Fundamental Score

Let's check the fundamental score of Sturgis Bancorp Inc based on Penke's default stock scanner.

Penke's Stock Scanner

  
  
IndicatorConditionValue
Price to Earnings Ratio (EOD)Between0-1514.105
Price to Book Ratio (EOD)Between0-10.722
Net Profit Margin (MRQ)Greater than00.076
Operating Margin (MRQ)Greater than00.000
Quick Ratio (MRQ)Greater than10.000
Current Ratio (MRQ)Greater than10.000
Debt to Asset Ratio (MRQ)Less than10.942
Debt to Equity Ratio (MRQ)Less than116.261
Return on Equity (MRQ)Greater than0.150.051
Return on Assets (MRQ)Greater than0.050.003
Total4/10 (40.0%)

3.4 Technical Score

Let's check the technical score of Sturgis Bancorp Inc based on Penke's default Symbol scanner.

Penke's Symbol Scanner

  
  
IndicatorConditionValue
RsiGreater than5068.116
Ma 20Greater thanMa 5018.200
Ma 50Greater thanMa 10017.951
Ma 100Greater thanMa 20018.010
OpenGreater thanClose18.500
Total3/5 (60.0%)

4. In-depth Analysis

4.1 About Sturgis Bancorp Inc

Sturgis Bancorp, Inc. operates as the bank holding company for Sturgis Bank & Trust Company that provides banking products and services in Michigan, the United States. The company offers checking, savings and health savings, and money market accounts; and certificates of deposit and individual retirement accounts. It also provides mortgage, automobile, savings secured, personal, home equity, equipment and machinery, government supported, and commercial real estate loans, as well as home equity lines of credit and business lines of credit; and credit cards. In addition, the company offers private banking, cashier checks, wire transfers, foreign drafts and foreign currency, overdraft protection, night depository, and notary services, as well as safe deposit boxes and residential mortgages. Further, it provides direct deposit, remote deposit capture, Visa check card, and checks reorder services; and investment and financial-advisory services, as well as commercial and consumer insurance and title insurance products. Additionally, the company offers estate and asset management services, such as estate settlements, trust administration, record keeping, investment management, and custody services; cash and treasury management; and online and mobile banking, bill pay, and mobile wallet services. It operates through 14 bank facilities and 4 full service standalone ATMs located in 12 communities in Michigan. Sturgis Bancorp, Inc. was founded in 1905 and is headquartered in Sturgis, Michigan.

Fundamental data was last updated by Penke on 2025-07-02 21:40:04.

4.2 In-depth Summary

4.2.1. Financial Health Summary

Profitability Details
 Compared to previous yearCompared to industry
The company is making a profit.
Using its assets, the company is inefficient in making profit.
Using its investors money, the company is less efficient in making profit.
Operating Efficiency Details
 Compared to previous yearCompared to industry
Liquidity Details
 Compared to previous yearCompared to industry
Solvency Details
 Compared to previous yearCompared to industry
The company is just able to pay all its debts by selling its assets.
The company is unable to pay all its debts with equity.

4.2.2. Valuation Summary

Valuation Details
 Compared to previous yearCompared to industry
Based on the equity, the company is cheap.
Based on the earnings, the company is underpriced.
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4.3 Financial Health

4.3.1. Profitability

4.3.1 Profitability
4.3.1.1. Net Profit Margin

Measures how much net profitΒ Sturgis earns for each $1 of revenue.

  • Above 10% is considered healthy but always compareΒ Sturgis to theΒ Banks - Regional industry mean.
  • A Net Profit Margin of 7.6%Β means thatΒ $0.08 for each $1Β in revenue is generated as profit.

Let's take a look of the Net Profit Margin trends of Sturgis Bancorp Inc:

  • The MRQ is 7.6%. The company is making a profit. +1
  • The TTM is 7.6%. The company is making a profit. +1
Trends
Current periodCompared to+/- 
MRQ7.6%TTM7.6%0.0%
TTM7.6%YOY16.4%-8.8%
TTM7.6%5Y18.0%-10.4%
5Y18.0%10Y18.5%-0.5%
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ7.6%41.9%-34.3%
TTM7.6%31.1%-23.5%
YOY16.4%29.6%-13.2%
3Y15.1%29.0%-13.9%
5Y18.0%25.7%-7.7%
10Y18.5%22.1%-3.6%
4.3.1.2. Return on Assets

Shows howΒ efficientΒ Sturgis is using its assets to generate profit.

  • Above 5% is considered healthyΒ but always compareΒ Sturgis to theΒ Banks - Regional industry mean.
  • 0.3% Return on Assets means thatΒ Sturgis generatedΒ $0.00 profit for each $1 in assets.

Let's take a look of the Return on Assets trends of Sturgis Bancorp Inc:

  • The MRQ is 0.3%. Using its assets, the company is inefficient in making profit. -1
  • The TTM is 0.3%. Using its assets, the company is inefficient in making profit. -1
Trends
Current periodCompared to+/- 
MRQ0.3%TTM0.3%0.0%
TTM0.3%YOY0.7%-0.4%
TTM0.3%5Y0.7%-0.4%
5Y0.7%10Y0.8%-0.1%
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ0.3%0.2%+0.1%
TTM0.3%0.2%+0.1%
YOY0.7%0.2%+0.5%
3Y0.6%0.2%+0.4%
5Y0.7%0.2%+0.5%
10Y0.8%0.2%+0.6%
4.3.1.3. Return on Equity

Shows how efficient Sturgis is using its investors money to generate profit.

  • Above 15%-20% is considered healthy but always compareΒ Sturgis to theΒ Banks - Regional industry mean.
  • 5.1% Return on Equity means Sturgis generated $0.05Β for eachΒ $1 the owners (shareholders) invested.

Let's take a look of the Return on Equity trends of Sturgis Bancorp Inc:

  • The MRQ is 5.1%. Using its investors money, the company is less efficient in making profit.
  • The TTM is 5.1%. Using its investors money, the company is less efficient in making profit.
Trends
Current periodCompared to+/- 
MRQ5.1%TTM5.1%0.0%
TTM5.1%YOY10.8%-5.7%
TTM5.1%5Y10.7%-5.6%
5Y10.7%10Y9.9%+0.7%
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ5.1%2.8%+2.3%
TTM5.1%2.2%+2.9%
YOY10.8%2.6%+8.2%
3Y9.5%2.5%+7.0%
5Y10.7%2.4%+8.3%
10Y9.9%2.6%+7.3%
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4.3.2. Operating Efficiency of Sturgis Bancorp Inc.

4.3.2. Operating Efficiency
4.3.2.1. Operating Margin

MeasuresΒ how efficient Sturgis is operatingΒ .

  • Measures how much profit Sturgis makes for each $1 of sales after paying variable costs (production costs, wages, etc) but before taxes.
  • Above 15% is considered healthy but always compareΒ Sturgis to theΒ Banks - Regional industry mean.
  • An Operating Margin of 0.0%Β means the company generated $0.00 Β for each $1 in revenue (before taxes).

Let's take a look of the Operating Margin trends of Sturgis Bancorp Inc:

  • The MRQ is 0.0%. The data is not here.
Trends
Current periodCompared to+/- 
MRQ-TTM-0.0%
TTM-YOY-0.0%
TTM-5Y-0.0%
5Y-10Y-0.0%
4.3.2.2. Operating Ratio

Measures how efficient Sturgis is keepingΒ operating costsΒ low.

  • Below 1 is considered healthy (always compare toΒ Banks - Regional industry mean).
  • An Operation Ratio of 0.00 means that the operating costs are $0.00 for each $1 in net sales.

Let's take a look of the Operating Ratio trends of Sturgis Bancorp Inc:

  • The MRQ is 0.000. The data is not here.
Trends
Current periodCompared to+/- 
MRQ-TTM-0.000
TTM-YOY-0.000
TTM-5Y-0.000
5Y-10Y0.421-0.421
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4.4.3. Liquidity of Sturgis Bancorp Inc.

4.4.3. Liquidity
4.4.3.1. Current Ratio

Measures if Sturgis is able to pay off Short-term Debt.

  • Above 1.5 is considered healthy (always compare toΒ Banks - Regional industry mean).
  • A Current Ratio of 0.00Β means the company has $0.00 in assets for each $1 in short-term debts.

Let's take a look of the Current Ratio trends of Sturgis Bancorp Inc:

  • The MRQ is 0.000. The data is not here.
Trends
Current periodCompared to+/- 
MRQ-TTM-0.000
TTM-YOY-0.000
TTM-5Y0.053-0.053
5Y0.05310Y0.080-0.027
4.4.3.2. Quick Ratio

Measures if Sturgis is able to pay off Short-term Debt but only usingΒ theΒ most liquid assets.

  • Above 1 is considered healthy butΒ always compareΒ Sturgis to theΒ Banks - Regional industry mean.
  • A Quick Ratio of 0.00Β means the company can pay off $0.00 for each $1 in debt (using most liquid assets).

Let's take a look of the Quick Ratio trends of Sturgis Bancorp Inc:

  • The MRQ is 0.000. The data is not here.
Trends
Current periodCompared to+/- 
MRQ-TTM-0.000
TTM-YOY-0.000
TTM-5Y0.099-0.099
5Y0.09910Y0.113-0.014
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4.5.4. Solvency of Sturgis Bancorp Inc.

4.5.4. Solvency
4.5.4.1. Debt to Asset Ratio

Measures how much %Β of SturgisΒ assets are financed with debt.

  • Below 1 (100%) is considered healthy but always compareΒ Sturgis to Banks - Regional industry mean.
  • A Debt to Asset Ratio of 0.94Β means that Sturgis assets areΒ financed with 94.2% credit (debt) and the remaining percentage (100% - 94.2%)Β is financed by its owners/shareholders.Β 

Let's take a look of the Debt to Asset Ratio trends of Sturgis Bancorp Inc:

  • The MRQ is 0.942. The company is just able to pay all its debts by selling its assets.
  • The TTM is 0.942. The company is just able to pay all its debts by selling its assets.
Trends
Current periodCompared to+/- 
MRQ0.942TTM0.9420.000
TTM0.942YOY0.939+0.003
TTM0.9425Y0.936+0.007
5Y0.93610Y0.923+0.013
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ0.9420.912+0.030
TTM0.9420.914+0.028
YOY0.9390.331+0.608
3Y0.9400.655+0.285
5Y0.9360.761+0.175
10Y0.9230.845+0.078
4.5.4.2. Debt to Equity Ratio

Measures ifΒ Sturgis is able toΒ pay off its debts by usingΒ shareholders equity.

  • Below 2 is considered healthy butΒ always compareΒ Sturgis to theΒ Banks - Regional industry mean.
  • A Debt to Equity ratio of 1,626.1% means that company has $16.26 debt for each $1 in shareholders equity.

Let's take a look of the Debt to Equity Ratio trends of Sturgis Bancorp Inc:

  • The MRQ is 16.261. The company is unable to pay all its debts with equity. -1
  • The TTM is 16.261. The company is unable to pay all its debts with equity. -1
Trends
Current periodCompared to+/- 
MRQ16.261TTM16.2610.000
TTM16.261YOY15.487+0.773
TTM16.2615Y14.641+1.620
5Y14.64110Y12.371+2.270
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ16.26110.416+5.845
TTM16.26110.683+5.578
YOY15.4874.228+11.259
3Y15.7357.922+7.813
5Y14.6419.283+5.358
10Y12.37111.348+1.023
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4.6. Market Valuation

4.6.1. Earnings Per Share
4.6.2.1. Price to Earnings Ratio

MeasuresΒ how much money you payΒ for each share forΒ every $1 in earnings Sturgis generates.

  • Above 15 is considered overpriced butΒ always compareΒ Sturgis to theΒ Banks - Regional industry mean.
  • A PE ratio of 13.80 means the investor is paying $13.80Β for every $1 in earnings.

Let's take a look of the Price to Earnings Ratio trends of Sturgis Bancorp Inc:

  • The EOD is 14.105. Based on the earnings, the company is underpriced. +1
  • The MRQ is 13.800. Based on the earnings, the company is underpriced. +1
  • The TTM is 13.800. Based on the earnings, the company is underpriced. +1
Trends
Current periodCompared to+/- 
EOD14.105MRQ13.800+0.305
MRQ13.800TTM13.8000.000
TTM13.800YOY6.497+7.302
TTM13.8005Y8.008+5.792
5Y8.00810Y7.963+0.045
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
EOD14.1054.399+9.706
MRQ13.8003.875+9.925
TTM13.8006.132+7.668
YOY6.4974.741+1.756
3Y8.9755.925+3.050
5Y8.0088.400-0.392
10Y7.9639.118-1.155
4.6.2.2. Price To Free Cash Flow Ratio

Let's take a look of the Price To Free Cash Flow Ratio trends of Sturgis Bancorp Inc:

  • The MRQ is 0.000. The data is not here.
Trends
Current periodCompared to+/- 
MRQ-TTM-0.000
TTM-YOY5.595-5.595
TTM-5Y-2.183+2.183
5Y-2.18310Y3.770-5.953
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ-0.336-0.336
TTM-0.632-0.632
YOY5.595-1.072+6.667
3Y4.0232.007+2.016
5Y-2.1830.284-2.467
10Y3.7700.095+3.675
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4.6.2. Book Value per Share
4.6.2.1. Price to Book Ratio

Measures if the stock price ofΒ Sturgis is to cheap or to expensiveΒ compared to its book value.

  • At or below 1 is considered healthyΒ (always compare to Banks - Regional industry mean).
  • A PB ratio of 0.71 means the investor is paying $0.71Β for each $1 in book value.

Let's take a look of the Price to Book Ratio trends of Sturgis Bancorp Inc:

  • The EOD is 0.722. Based on the equity, the company is cheap. +2
  • The MRQ is 0.706. Based on the equity, the company is cheap. +2
  • The TTM is 0.706. Based on the equity, the company is cheap. +2
Trends
Current periodCompared to+/- 
EOD0.722MRQ0.706+0.016
MRQ0.706TTM0.7060.000
TTM0.706YOY0.701+0.005
TTM0.7065Y0.774-0.068
5Y0.77410Y0.755+0.019
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
EOD0.7220.490+0.232
MRQ0.7060.432+0.274
TTM0.7060.446+0.260
YOY0.7010.149+0.552
3Y0.7470.355+0.392
5Y0.7740.578+0.196
10Y0.7550.801-0.046
4.6.2. Total Gains per Share
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6. Financial Statements




6.1. Latest Balance Sheet

Balance Sheet of 2024-12-31. Currency in USD. All numbers in thousands.

Summary
Total Assets956,389
Total Liabilities900,980
Total Stockholder Equity55,409
 As reported
Total Liabilities 900,980
Total Stockholder Equity+ 55,409
Total Assets = 956,389

Assets

Total Assets956,389
Total Current Assets0
Long-term Assets0
Total Current Assets
Cash And Cash Equivalents 20,802
Short-term Investments 77,072
Net Receivables 3,405
Total Current Assets  (as reported)0
Total Current Assets  (calculated)101,279
+/- 101,279
Long-term Assets
Property Plant Equipment 18,708
Goodwill 5,834
Long Term Investments 96,514
Intangible Assets 3,121
Long-term Assets  (as reported)0
Long-term Assets  (calculated)124,177
+/- 124,177

Liabilities & Shareholders' Equity

Total Current Liabilities0
Long-term Liabilities0
Total Stockholder Equity55,409
Total Current Liabilities
Accounts payable 2,600
Total Current Liabilities  (as reported)0
Total Current Liabilities  (calculated)2,600
+/- 2,600
Long-term Liabilities
Long-term Liabilities  (as reported)0
Long-term Liabilities  (calculated)0
+/-0
Total Stockholder Equity
Retained Earnings 53,398
Total Stockholder Equity (as reported)55,409
Total Stockholder Equity (calculated)53,398
+/- 2,011
Other
Capital Stock2,159
Common Stock Shares Outstanding 2,159
Net Debt 55,217
Net Invested Capital 131,428



6.2. Balance Sheets Structured

Currency in USD. All numbers in thousands.

 Trend2024-12-312023-12-312022-12-312021-12-312020-12-312019-12-312018-12-312017-12-312016-12-312015-12-312014-12-312013-12-312012-12-312011-12-312010-12-312009-12-312008-12-312007-12-312006-12-312005-12-312004-12-312003-12-312002-12-312001-12-31
> Total Assets 
279,789
296,685
287,338
313,561
307,515
320,858
347,202
383,394
369,921
369,961
314,258
317,045
304,980
312,455
368,559
398,629
414,432
431,575
473,371
643,606
751,735
864,805
919,472
956,389
956,389919,472864,805751,735643,606473,371431,575414,432398,629368,559312,455304,980317,045314,258369,961369,921383,394347,202320,858307,515313,561287,338296,685279,789
   > Total Current Assets 
0
0
0
0
0
0
0
0
0
0
0
0
0
32,816
36,260
33,069
39,398
34,560
30,697
78,714
49,199
18,720
0
0
0018,72049,19978,71430,69734,56039,39833,06936,26032,8160000000000000
       Cash And Cash Equivalents 
10,629
13,064
10,184
12,004
13,468
17,404
11,781
6,930
8,448
16,146
7,297
10,237
14,236
7,680
15,870
24,218
25,277
19,617
16,021
13,301
40,018
14,985
40,009
20,802
20,80240,00914,98540,01813,30116,02119,61725,27724,21815,8707,68014,23610,2377,29716,1468,4486,93011,78117,40413,46812,00410,18413,06410,629
       Short-term Investments 
15,043
23,019
15,624
10,486
3,374
8,888
11,160
9,343
8,093
20,714
20,203
21,807
21,552
20,944
16,805
37,350
35,606
59,338
65,476
128,854
83,134
63,159
52,658
77,072
77,07252,65863,15983,134128,85465,47659,33835,60637,35016,80520,94421,55221,80720,20320,7148,0939,34311,1608,8883,37410,48615,62423,01915,043
       Net Receivables 
0
0
0
0
0
0
0
0
0
0
0
0
0
868
1,183
0
0
1,550
0
2,458
1,894
2,691
3,099
3,405
3,4053,0992,6911,8942,45801,550001,1838680000000000000
       Other Current Assets 
0
0
0
0
0
0
0
0
0
0
0
0
0
2,584
2,758
2,496
2,653
1,617
4,587
9,290
9,181
3,355
0
0
003,3559,1819,2904,5871,6172,6532,4962,7582,5840000000000000
   > Long-term Assets 000000000000000000000000
       Property Plant Equipment 
6,370
6,642
6,488
6,066
6,140
6,660
7,404
8,710
8,010
7,739
7,855
7,044
7,113
7,504
8,114
8,360
8,985
9,274
9,367
11,844
13,231
17,431
19,136
18,708
18,70819,13617,43113,23111,8449,3679,2748,9858,3608,1147,5047,1137,0447,8557,7398,0108,7107,4046,6606,1406,0666,4886,6426,370
       Goodwill 
5,109
5,109
5,109
5,109
5,109
5,109
5,109
5,109
5,109
5,109
5,109
5,109
5,109
5,109
5,834
5,834
5,834
5,834
5,834
5,834
5,834
5,834
5,834
5,834
5,8345,8345,8345,8345,8345,8345,8345,8345,8345,8345,1095,1095,1095,1095,1095,1095,1095,1095,1095,1095,1095,1095,1095,109
       Long Term Investments 
0
0
0
0
0
0
0
0
0
0
0
0
0
18,410
51,543
71,119
71,184
64,810
65,476
128,854
107,481
85,229
73,524
96,514
96,51473,52485,229107,481128,85465,47664,81071,18471,11951,54318,4100000000000000
       Intangible Assets 
6,390
6,611
7,084
6,883
6,720
6,585
6,476
6,518
6,386
6,490
6,388
6,382
6,610
6,522
1,669
1,475
1,363
1,326
1,225
2,322
3,012
2,967
2,979
3,121
3,1212,9792,9673,0122,3221,2251,3261,3631,4751,6696,5226,6106,3826,3886,4906,3866,5186,4766,5856,7206,8837,0846,6116,390
> Total Liabilities 
251,292
269,232
258,179
284,898
280,907
293,309
319,522
357,644
344,494
346,646
289,348
290,121
276,445
282,105
335,947
363,902
377,178
391,375
429,799
596,494
699,299
812,257
863,704
900,980
900,980863,704812,257699,299596,494429,799391,375377,178363,902335,947282,105276,445290,121289,348346,646344,494357,644319,522293,309280,907284,898258,179269,232251,292
   > Total Current Liabilities 
0
0
0
0
0
0
0
0
0
0
0
0
0
234,528
284,340
298,010
339,300
342,875
390,874
508,375
584,618
720,276
0
0
00720,276584,618508,375390,874342,875339,300298,010284,340234,5280000000000000
       Short-term Debt 
0
0
0
0
0
0
0
0
0
0
0
0
0
44,218
47,870
61,180
1,947
10,000
0
0
0
0
0
0
00000010,0001,94761,18047,87044,2180000000000000
       Short Long Term Debt 
0
0
0
0
0
0
0
0
0
0
0
0
0
44,218
47,870
61,180
1,947
10,000
0
0
0
0
0
0
00000010,0001,94761,18047,87044,2180000000000000
       Accounts payable 
177,602
202,564
199,920
211,164
213,593
216,134
220,122
237,517
259,151
265,951
234,599
234,923
229,020
234,290
284,039
297,767
337,114
342,500
352,936
507,898
584,193
719,516
1,654
2,600
2,6001,654719,516584,193507,898352,936342,500337,114297,767284,039234,290229,020234,923234,599265,951259,151237,517220,122216,134213,593211,164199,920202,564177,602
       Other Current Liabilities 
0
0
0
0
0
0
0
0
0
0
0
0
0
234,290
284,039
297,767
337,114
0
0
0
0
0
0
0
0000000337,114297,767284,039234,2900000000000000
   > Long-term Liabilities 000000000000000000000000
> Total Stockholder Equity
28,497
27,453
29,159
28,663
26,608
27,549
27,680
25,750
25,427
23,315
24,910
26,924
28,535
30,350
32,612
34,727
37,254
40,200
43,572
47,112
52,436
52,548
55,768
55,409
55,40955,76852,54852,43647,11243,57240,20037,25434,72732,61230,35028,53526,92424,91023,31525,42725,75027,68027,54926,60828,66329,15927,45328,497
   Common Stock
3,102
2,800
2,809
2,723
2,498
2,417
2,269
2,017
2,017
2,017
2,019
2,038
2,055
2,070
2,078
2,086
2,095
2,104
2,114
2,123
2,132
2,141
0
0
002,1412,1322,1232,1142,1042,0952,0862,0782,0702,0552,0382,0192,0172,0172,0172,2692,4172,4982,7232,8092,8003,102
   Retained Earnings 
4,959
6,920
8,544
9,295
10,814
12,791
15,034
16,861
16,538
14,426
16,010
17,907
19,386
21,076
23,445
25,234
27,351
30,526
34,190
38,840
43,823
48,991
52,029
53,398
53,39852,02948,99143,82338,84034,19030,52627,35125,23423,44521,07619,38617,90716,01014,42616,53816,86115,03412,79110,8149,2958,5446,9204,959
   Capital Surplus 000000000000000000000000
   Treasury Stock000000000000000000000000
   Other Stockholders Equity 
0
0
0
0
0
0
0
0
0
0
0
0
0
-200
-188
40
294
-113
-625
-1,901
-1,729
-7,001
0
0
00-7,001-1,729-1,901-625-11329440-188-2000000000000000



6.3. Balance Sheets

Currency in USD. All numbers in thousands.




6.4. Cash Flows

Currency in USD. All numbers in thousands.




6.5. Income Statements

Currency in USD. All numbers in thousands.


6.6. Latest Income Statement

Income Statement (annual), 2024-12-31. Currency in USD. All numbers in thousands.

Gross Profit (+$)
totalRevenue37,389
Cost of Revenue-0
Gross Profit037,389
 
Operating Income (+$)
Gross Profit0
Operating Expense-0
Operating Income00
 
Operating Expense (+$)
Research Development0
Selling General Administrative19,248
Selling And Marketing Expenses0
Operating Expense019,248
 
Net Interest Income (+$)
Interest Income46,009
Interest Expense-18,723
Other Finance Cost-0
Net Interest Income27,286
 
Pretax Income (+$)
Operating Income0
Net Interest Income27,286
Other Non-Operating Income Expenses0
Income Before Tax (EBT)3,1580
EBIT - interestExpense = -18,723
2,835
21,558
Interest Expense18,723
Earnings Before Interest and Taxes (EBIT)021,881
Earnings Before Interest and Taxes (EBITDA)0
 
After tax Income (+$)
Income Before Tax3,158
Tax Provision-323
Net Income From Continuing Ops2,8352,835
Net Income2,835
Net Income Applicable To Common Shares0
 
Non-recurring Events
Discontinued Operations0
Extraordinary Items0
Effect of Accounting Charges0
Other Items0
Non Recurring0
Other Operating Expenses0
Total Other Income/Expenses Net0-27,286
 

Technical Analysis of Sturgis
The psychology behind the price

Technical indicators reflecting market sentiment and the collective psychology of you and other traders. Your emotions and other traders' emotions, such as fear and greed, play a significant role in driving price movements.

General trend

First of all, I'm going to put something in the back of your mind. One of the most stable factors that gives you more confidence as a trader: the general trend of Sturgis. The general trend of Sturgis is BULLISH with 85.7% confidence. It is very important for your mental being to use each indicator with this in mind. But beware, also the general trend flips once in a while! You can use moving averages to determine Sturgis's overall trend. For convenience I use the most commonly used moving averages: 20, 50, 100 & 200. Of course you can use other moving averages or other indicators to determine the trend.

Indicator phases

Some of the indicators I use have 3 zones: overbought, oversold and neutral. Transitions between these zones (market phases) provide valuable trading signals and insights. Expecially with the general trend mind, I use the highlighted phases:

Indicator zone transitionsBullish trend (85.7%) Bearish trend (-85.7%)
Overbought to neutralBullish pullback=Bearish reversal
Upper to lower neutralBullish correction=Bearish continuation
Nuetral to oversoldOversold=Oversold
Oversold to neutralBullish reversal=Bearish correction
Lower to upper neutralBullish continuation=Bearish pullback
Nuetral to overboughtOverbought=Overbought

1. Sturgis Price Targets

1.1 Support & Resistance

Support and resistance are levels on a price chart that act as barriers or zones where the price of an asset tends to stop, reverse, or experience a significant amount of buying or selling pressure.

SupportΒ is a price level at which demand for an asset is strong enough to prevent the price from falling further.
ResistanceΒ is a price level at which selling pressure becomes significant enough to prevent the price of an asset from rising further.


Score

Let's take a look at the Support & Resistance of Sturgis Bancorp Inc.

The long score for the Support & Resistance is 0/1.
The longshort score for the Support & Resistance is 0/(-1 +1).

  • Between support/resistance: The price is trading between support and resistance lines.

The bullish price targets are: 18.70 < 18.75 < 18.75.

The bearish price targets are: 18.10 > 18.09 > 18.09.

Know someone who trades $STBI? Share this with them.πŸ‘‡

Sturgis Bancorp Inc Daily Support & Resistance Chart
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2. Trend Indicators

2.1 Moving Averages

Shows theΒ moving averageΒ of the selected period.

  • Moving averages are laggingΒ trend indicators.
  • There are many types of moving averages.
  • Moving averages are also used within other indicators.

Score

Let's take a look at the Moving Averages of Sturgis Bancorp Inc. The current mas is .

The long score for the Moving Averages is 13/14.
The longshort score for the Moving Averages is 12/(-14 +14).

  • MA 20 trending up: The MA 20 is trending up. +1
  • Close > MA 20: The price is above the MA 20. +1
  • MA 20 > MA 50: The MA 20 is higher than the MA 50. +1
  • MA 20 > MA 100: The MA 20 is higher than the MA 100. +1
  • MA 20 > MA 200: The MA 20 is higher than the MA 200. +1
  • MA 50 trending up: The MA 50 is trending up. +1
  • Close > MA 50: The price is above the MA 50. +1
  • MA 50 < MA 100: The MA 50 is lower than the MA 100. -1
  • MA 50 > MA 200: The MA 50 is higher than the MA 200. +1
  • MA 100 trending up: The MA 100 is trending up. +1
  • Close > MA 100: The price is above the MA 100. +1
  • MA 100 > MA 200: The MA 100 is higher than the MA 200. +1
  • MA 200 trending up: The MA 200 is trending up. +1
  • Close > MA 200: The price is above the MA 200. +1

Directionalities and relatives.

Moving AverageAmount of candlesTrendPrice +/-vs. MA 50vs. MA 100vs. MA 200
MA 2020
MA 5050-
MA 100100--
MA 200200---

Explanation: https://www.youtube.com/watch?v=xwW8h0lrQ-I

Sturgis Bancorp Inc Daily Moving Averages Chart
2.2 Moving Average Convergence/Divergence (MACD)

Shows theΒ momentumΒ of theΒ selected period based on two moving averages.

  • MACD is aΒ lagging momentumΒ indicator.
  • Uses two moving averages.
  • Can show buy or sell signals based on momentum.
  • Can show overbought. and oversold. levels.

Score

Let's take a look at the Moving Average Convergence/Divergence (MACD) of Sturgis Bancorp Inc. The current macd is 0.1254182.

The long score for the Moving Average Convergence/Divergence (MACD) is 4/4.
The longshort score for the Moving Average Convergence/Divergence (MACD) is 4/(-4 +4).

  • MACD line > signal line: The MACD line is above the signal line, which indicates a bullish signal in the market. This means that the positive momentum is currently stronger than the average momentum, suggesting that buyers are more active than sellers, and there's a higher probability of the Sturgis price going up in the near term. +2
  • MACD > 0: The MACD is above the zero line (centerline), it indicates a bullish signal for Sturgis. This means that the short-term moving average is higher than the long-term moving average, signaling positive momentum and suggesting a higher likelihood of the Sturgis price continuing to rise in the near future. It indicates that buyers are gaining control, and there is optimism in the market, leading to potential price increases. +1
  • Trending up: The MACD line is trending up. This indicates that the short-term moving average is rising faster than the long-term moving average, suggesting positive momentum in the market. This signals that buyers are becoming more active and confident, leading to potential price increases as traders anticipate further gains and are willing to buy at higher prices. +1
Sturgis Bancorp Inc Daily Moving Average Convergence/Divergence (MACD) ChartSturgis Bancorp Inc Daily Moving Average Convergence/Divergence (MACD) Chart
2.3 Directional Movement Index (DMI)

The DMI is a collection of 3 indicators: +DI (Plus Direction Indicator), -DI (Minus Direction Indicator) and ADX (Average Directional Index). The ADX helps you determine the strength of a trend.


Score

Let's take a look at the Directional Movement Index (DMI) of Sturgis Bancorp Inc. The current adx is 28.62.

The long score for the Directional Movement Index (DMI) is 4/7.
The longshort score for the Directional Movement Index (DMI) is 4/(-7 +7).

  • PLUS_ID > MINUS_DI: The +DI line is above the -DI line. This indicates a bullish signal in the market, as the positive directional movement is currently stronger than the negative directional movement, showing that buyers have the upper hand. Market psychology suggests that traders are optimistic, expecting further price increases, and are more willing to buy Sturgis shares, leading to potential upward momentum in its price. +1
  • PLUS_ID > MINUS_DI && ADX > 25 && ADX trending up: The ADX is above 25 and indicates a strong bullish trend. The ADX is trending up, so the bullish trend is strengthening.
Sturgis Bancorp Inc Daily Directional Movement Index (DMI) Chart
2.4 Parabolic SAR

Shows the current trend and potential entry and exit signals.

  • Parabolic SAR (stop and reverse) is a lagging trend indicator.
  • ShowsΒ the current trend.
  • ShowsΒ potential entry signals.
  • ShowsΒ Β potential exit signals.
  • Can be used to placeΒ trailing stoplosses..

Score

Let's take a look at the Parabolic SAR of Sturgis Bancorp Inc. The current sar is 18.66.

The long score for the Parabolic SAR is 0/1.
The longshort score for the Parabolic SAR is -1/(-1 +1).

  • Close < SAR: The price is below the SAR. It's generally considered a bearish signal. -1
Sturgis Bancorp Inc Daily Parabolic SAR Chart
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3. Momentum Indicators

3.1 Relative Strength Index (RSI)

Measures the speed and change of price movements.

  • Leading momentumΒ indicator, meaning the signals are instant.
  • RangesΒ between 0 and 100.
  • Above 70 is considered overbought.
  • Below 30 is considered oversold.
  • Above or below 50 can also be used to determine price trend or support and resistance.
  • RSI divergence looks at a deviation between RSI and price movement. Penketrading automatically calculates RSI divergences.
  • Can be used in many different ways

Score

Let's take a look at the Relative Strength Index (RSI) of Sturgis Bancorp Inc. The current rsi is 68.12. The current phase is Continuation in bull market.

The long score for the Relative Strength Index (RSI) is 3/13.
The longshort score for the Relative Strength Index (RSI) is 3/(-13 +13).

  • Continuation in bull market: Uptrend continues after a consolidation or pullback. Hold or add to existing positions.
Sturgis Bancorp Inc Daily Relative Strength Index (RSI) ChartSturgis Bancorp Inc Daily Relative Strength Index (RSI) Chart
3.2 Stochastic Oscillator

ComparesΒ a certain price to multiple prices ranging over time.

  • LeadingΒ momentumΒ indicator, meaning the signals are instant.
  • Used to determine overbought and oversold areas much like the RSI.
  • RangesΒ between 0 and 100.
  • Above 80 is considered overbought.
  • Below 20 is considered oversold.
  • Consists of two lines named K and D.
  • K compares the highest high and lowest low on the selected price range.
  • The D line is a moving average of the K line.
  • Can be used to spot divergences

Score

Let's take a look at the Stochastic Oscillator of Sturgis Bancorp Inc. The current phase is Continuation in bull market.

The long score for the Stochastic Oscillator is 1/6.
The longshort score for the Stochastic Oscillator is -2/(-6 +6).

  • STOCH > 50: The STOCH %K is above 50. There are more buyers than sellers. +1
  • STOCH %K line < STOCH %D line: The STOCH %K line is below the STOCH %D line, which indicates a bearish signal in the market. This means that the negative momentum is currently stronger than the average momentum, suggesting that sellers are more active than buyers, and there's a higher probability of the Sturgis price going down in the near term. -2
  • Trending down: The STOCH %K is trending down. -1
Sturgis Bancorp Inc Daily Stochastic Oscillator ChartSturgis Bancorp Inc Daily Stochastic Oscillator Chart
3.3 Commodity Channel Index (CCI)

Measures the difference between the current price and the historical average price.

  • Lagging or leading Momentum indicator
  • When the CCI is above zero, the price is above the historical average
  • When the CCI is below zero,Β the price is below the historical average
  • Used for spotting trends
    • If the CCI moves from negative or near zero to positive 100 that might indicate an uptrend
    • If the CCI moves from positive or near zero to negative -100 that might indicate a downtrend

Score

Let's take a look at the Commodity Channel Index (CCI) of Sturgis Bancorp Inc. The current cci is 121.52.

The long score for the Commodity Channel Index (CCI) is 1/1.
The longshort score for the Commodity Channel Index (CCI) is 1/(-1 +1).

  • CCI > 100: The CCI is above 100, it indicates that the price is significantly above its average, suggesting a potential overbought condition. +1
Sturgis Bancorp Inc Daily Commodity Channel Index (CCI) ChartSturgis Bancorp Inc Daily Commodity Channel Index (CCI) Chart
3.4 Chande Momentum Oscillator (CMO)

Measures the difference between the sum of recent gains and the sum of recent losses. Then divides the result by the sum of all price movements in that period.

  • Lagging momentum indicator
  • Ranges between +100 and -100
  • Considered overbought above +50
  • Considered oversold below -50
  • It's possible to add a moving average that acts as a signal line

Score

Let's take a look at the Chande Momentum Oscillator (CMO) of Sturgis Bancorp Inc. The current cmo is 43.05.

The long score for the Chande Momentum Oscillator (CMO) is 1/1.
The longshort score for the Chande Momentum Oscillator (CMO) is 1/(-1 +1).

  • CMO > 0: The CMO is above 0, the momentum of the price is positive, indicating a potential uptrend in the price. +1
Sturgis Bancorp Inc Daily Chande Momentum Oscillator (CMO) ChartSturgis Bancorp Inc Daily Chande Momentum Oscillator (CMO) Chart
3.5 Williams %R

Β Shows the current price relative to the highest high over the last 14 days.
Β 

  • Lagging momentum indicator
  • Ranging between 0 andΒ -100
  • Above -20 is considered overbought
  • Below -80 is considered oversold
  • Is prone to give false signals

Score

Let's take a look at the Williams %R of Sturgis Bancorp Inc. The current willr is -33.33333333.

The long score for the Williams %R is 0/1.
The longshort score for the Williams %R is 0/(-1 +1).

  • WILLR between -80 and -20: The Williams %R is between -80 and -20. This indicates that Sturgis is trading in a neutral price range, neither oversold nor overbought, suggesting a balanced market condition without any extreme price signals.
Sturgis Bancorp Inc Daily Williams %R ChartSturgis Bancorp Inc Daily Williams %R Chart
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4. Volatility Indicators

4.1 Bollinger Bands

Shows if the price is to high or to low relative to an average.

  • Lagging volatility indicator
  • Uses 3 bands: one upper, one lower and one in the middle
  • Works best when the middle band reflects an intermediate trend (MA20).
  • When the price is moving closer to the upper band, the market might be overbought
  • When the price is moving closer to the lower band, the market might be oversoldΒ 

Score

Let's take a look at the Bollinger Bands of Sturgis Bancorp Inc.

Sturgis Bancorp Inc Daily Bollinger Bands Chart
4.2 Average True Range (ATR)
Measures market volatility
  • Leading volatility indicator
  • Can be used to determine stop-loss positions
  • Calculated by:
    • Current high minus the current low
    • Current high minus the previous close
    • Current low minus the previous close
  • The larger the range of the candles, the greater the ATR value

Score

Let's take a look at the Average True Range (ATR) of Sturgis Bancorp Inc. The current atr is 0.09027762.

Sturgis Bancorp Inc Daily Average True Range (ATR) ChartSturgis Bancorp Inc Daily Average True Range (ATR) Chart
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5. Volume Indicators

5.1 On-Balance Volume (OBV)

Β Measures market volatility

  • Leading momentum indicator
  • Calculation:
    • If the closing price is above the previous closing price: OBV = previous OBV + current volume
    • If the closing price is below the previous closing price: OBV = previous OBV - current volume
    • If the closing price is the same as the previous closing price than the OBV is the same.
  • Can be used to confirm price trends
  • Can be used with divergences

Score

Let's take a look at the On-Balance Volume (OBV) of Sturgis Bancorp Inc. The current obv is -105,363.

Sturgis Bancorp Inc Daily On-Balance Volume (OBV) ChartSturgis Bancorp Inc Daily On-Balance Volume (OBV) Chart
5.2 Money Flow Index (MFI)

Measures the flow of money in and out of a security

  • Lagging momentum indicator
  • Looks like RSI but uses volume as an extra metric (RSI only considers price)
  • Above 80 is considered overbought
  • Below 20 is considered oversold
  • Can be used with divergences

Score

Let's take a look at the Money Flow Index (MFI) of Sturgis Bancorp Inc. The current mfi is 85.52.

The long score for the Money Flow Index (MFI) is 2/2.
The longshort score for the Money Flow Index (MFI) is 2/(-2 +2).

  • MFI > 50: +1
  • MFI > 80: +1
Sturgis Bancorp Inc Daily Money Flow Index (MFI) ChartSturgis Bancorp Inc Daily Money Flow Index (MFI) Chart
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6. Summary

6.1. Notifications

TypeNotificationDate
PenkeCurrently no notifications for Sturgis Bancorp Inc.

6.2. Trading Signals

Below you will find trading signals as the indicator is commonly used. This doesn't mean you should use it that way. Learn from these, but don't use them blindly. I recommend using at least 4 indicators, 1 from each category: trend, momentum, volatility and volume.

DateIndicatorSignal
2025-02-07STOCH SHORT EXITThe %K line crosses above the %D line.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2025-02-10MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2025-02-11MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
STOCH LONG EXITThe %K line crosses below the %D line.
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2025-02-13MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
STOCH SHORT EXITThe %K line crosses above the %D line.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2025-02-14MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
STOCH LONG EXITThe %K line crosses below the %D line.
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2025-02-20SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
2025-02-21CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2025-02-24STOCH SHORT EXITThe %K line crosses above the %D line.
2025-02-26STOCH LONG EXITThe %K line crosses below the %D line.
2025-02-27CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2025-03-03MFI SHORT ENTRY LONG CLOSE20 crossover to downside
2025-03-04CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
MFI LONG ENTRY SHORT CLOSE20 crossover to upside
2025-03-06DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
STOCH LONG EXITThe %K line crosses below the %D line.
CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2025-03-07DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
BB LONG ENTRY SHORT CLOSEPrice closed below the lower band.
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2025-03-10STOCH SHORT EXITThe %K line crosses above the %D line.
2025-03-11DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
STOCH LONG EXITThe %K line crosses below the %D line.
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
BB LONG ENTRY SHORT CLOSEPrice closed below the lower band.
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2025-03-13DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
STOCH SHORT EXITThe %K line crosses above the %D line.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2025-03-14STOCH LONG EXITThe %K line crosses below the %D line.
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
2025-03-20ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2025-03-21WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
2025-03-25STOCH LONG EXITThe %K line crosses below the %D line.
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
2025-03-28MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
STOCH SHORT EXITThe %K line crosses above the %D line.
2025-04-01STOCH LONG EXITThe %K line crosses below the %D line.
2025-04-03MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
BB LONG ENTRY SHORT CLOSEPrice closed below the lower band.
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2025-04-04ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2025-04-07RSI LONG ENTRY SHORT CLOSE30 crossover to upside
STOCH SHORT EXITThe %K line crosses above the %D line.
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2025-04-08SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
2025-04-09STOCH LONG EXITThe %K line crosses below the %D line.
2025-04-10MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
2025-04-17MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
STOCH LONG EXITThe %K line crosses below the %D line.
CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
BB LONG ENTRY SHORT CLOSEPrice closed below the lower band.
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2025-04-28RSI LONG ENTRY SHORT CLOSE30 crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2025-04-29SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2025-04-30MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
2025-05-01DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2025-05-05STOCH LONG EXITThe %K line crosses below the %D line.
2025-05-07ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2025-05-09STOCH LONG EXITThe %K line crosses below the %D line.
MFI LONG ENTRY SHORT CLOSE80 crossover to upside
2025-05-19MFI SHORT ENTRY LONG CLOSE80 crossover to downside
2025-05-21DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
MFI SHORT ENTRY LONG CLOSE20 crossover to downside
2025-05-23CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2025-05-27MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
2025-05-28STOCH SHORT EXITThe %K line crosses above the %D line.
MFI LONG ENTRY SHORT CLOSE20 crossover to upside
2025-05-29STOCH LONG EXITThe %K line crosses below the %D line.
CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2025-06-02DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
STOCH SHORT EXITThe %K line crosses above the %D line.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2025-06-03MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
2025-06-04STOCH LONG EXITThe %K line crosses below the %D line.
2025-06-06ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2025-06-09MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2025-06-11DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
2025-06-12CCI LONG ENTRY SHORT CLOSE100 crossover to upside
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2025-06-13MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2025-06-16STOCH LONG EXITThe %K line crosses below the %D line.
2025-06-27MFI LONG ENTRY SHORT CLOSE80 crossover to upside
2025-07-01MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2025-07-03MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
STOCH SHORT EXITThe %K line crosses above the %D line.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2025-07-08STOCH LONG EXITThe %K line crosses below the %D line.

6.3. Candlestick Patterns

Sturgis Bancorp Inc Daily Candlestick Chart
DateCandlestick Pattern

6.4. Technical Score

Let's check the technical score of Sturgis Bancorp Inc based on Penke's default Symbol scanner.

Penke's Symbol Scanner

  
  
IndicatorConditionValue
RsiGreater than5068.116
Ma 20Greater thanMa 5018.200
Ma 50Greater thanMa 10017.951
Ma 100Greater thanMa 20018.010
OpenGreater thanClose18.500
Total3/5 (60.0%)
Penke
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