Huron Valley Bancorp, Inc. provides personal and business banking services in Michigan.
Adequate balance sheet with acceptable track record.
Share Price & News
How has Huron Valley Bancorp's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: HVLM has not had significant price volatility in the past 3 months.
7 Day Return
1 Year Return
Return vs Industry: HVLM exceeded the US Banks industry which returned -26.4% over the past year.
Return vs Market: HVLM exceeded the US Market which returned -10.4% over the past year.
Price Volatility Vs. Market
How volatile is Huron Valley Bancorp's share price compared to the market and industry in the last 5 years?
Simply Wall St News
No news available
Is Huron Valley Bancorp undervalued compared to its fair value and its price relative to the market?
Price to Earnings (PE) ratio
Share Price vs. Fair Value
Below Fair Value: HVLM ($16.7) is trading above our estimate of fair value ($14.53)
Significantly Below Fair Value: HVLM is trading above our estimate of fair value.
Price To Earnings Ratio
PE vs Industry: HVLM is good value based on its PE Ratio (8.9x) compared to the Banks industry average (8.9x).
PE vs Market: HVLM is good value based on its PE Ratio (8.9x) compared to the US market (13.1x).
Price to Earnings Growth Ratio
PEG Ratio: Insufficient data to calculate HVLM's PEG Ratio to determine if it is good value.
Price to Book Ratio
PB vs Industry: HVLM is overvalued based on its PB Ratio (1.2x) compared to the US Banks industry average (0.8x).
How is Huron Valley Bancorp forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?
Forecasted Banks industry annual growth in earnings
In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as Huron Valley Bancorp has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.
This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.
- Examine Huron Valley Bancorp's financial health to determine how well-positioned it is against times of financial stress by looking at its level of debt over time and how much cash it has left.
- While we do not consider unaudited financials to be a reliable enough to include in our analysis, you can access them on the OTC Markets Website. If you are looking for more of a qualitative research into the company, you can access Huron Valley Bancorp's filings and announcements here.
- Explore growth companies in the Banks industry.
How has Huron Valley Bancorp performed over the past 5 years?
Last years earnings growth
Earnings and Revenue History
Quality Earnings: HVLM has high quality earnings.
Growing Profit Margin: HVLM's current net profit margins (26.9%) are higher than last year (20.3%).
Past Earnings Growth Analysis
Earnings Trend: Insufficient data to determine if HVLM's year-on-year earnings growth rate was positive over the past 5 years.
Accelerating Growth: Insufficient data to compare HVLM's past year earnings growth to its 5-year average.
Earnings vs Industry: HVLM earnings growth over the past year (41.1%) exceeded the Banks industry 10.9%.
Return on Equity
High ROE: HVLM's Return on Equity (13%) is considered low.
How is Huron Valley Bancorp's financial position? (This company is analysed differently as a bank or financial institution)
Financial Position Analysis
Debt to Equity History and Analysis
Inventory Level: HVLM has a low level of unsold assets or inventory.
Debt Coverage by Assets: HVLM's debt is covered by short term assets (assets are 4.4x debt).
Financial Institutions Analysis
Asset Level: HVLM's level of assets compared to its equity is moderate.
Allowance for Bad Loans: Insufficient data to determine if HVLM has a sufficient allowance for bad loans.
Low Risk Liabilities: HVLM's liabilities are made up of primarily low risk sources of funding.
Loan Level: HVLM has an acceptable proportion of non-loan assets held.
Low Risk Deposits: HVLM's loans are broadly funded by customer deposits.
Level of Bad Loans: Insufficient data to determine if HVLM has an appropriate level of bad loans.
What is Huron Valley Bancorp's current dividend yield, its reliability and sustainability?
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: HVLM's dividend (0.66%) isn’t notable compared to the bottom 25% of dividend payers in the US market (1.95%).
High Dividend: HVLM's dividend (0.66%) is low compared to the top 25% of dividend payers in the US market (5.4%).
Stability and Growth of Payments
Stable Dividend: HVLM is not paying a notable dividend for the US market, therefore no need to check if payments are stable.
Growing Dividend: HVLM is not paying a notable dividend for the US market, therefore no need to check if payments are increasing.
Current Payout to Shareholders
Dividend Coverage: HVLM is not paying a notable dividend for the US market.
Future Payout to Shareholders
Future Dividend Coverage: No need to calculate the sustainability of HVLM's dividend in 3 years as they are not forecast to pay a notable one for the US market.
How experienced are the management team and are they aligned to shareholders interests?
Average board tenure
Jack Shubitowski (56yo)
Mr. Jack J. Shubitowski has been the President and Chief Executive Officer of Huron Valley State Bank since February 2007 and also serves as its Director. He serves as the President, Chief Executive Office ...
|President||13.17yrs||no data||2.08% $298.4k|
|Director||4.33yrs||no data||no data|
|Director||14.67yrs||no data||0.16% $23.0k|
|Director||no data||no data||0.070% $10.0k|
|Chairman of the Board||no data||no data||3.86% $553.9k|
|Director||14.67yrs||no data||1.19% $170.8k|
|Director||11yrs||no data||0.26% $37.3k|
|Director||11yrs||no data||0.080% $11.5k|
|Director||4.17yrs||no data||21.51% $3.1m|
|Director||3.25yrs||no data||14.78% $2.1m|
Experienced Board: HVLM's board of directors are seasoned and experienced ( 10.8 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Huron Valley Bancorp, Inc.'s company bio, employee growth, exchange listings and data sources
- Name: Huron Valley Bancorp, Inc.
- Ticker: HVLM
- Exchange: OTCPK
- Founded: 2005
- Industry: Regional Banks
- Sector: Banks
- Market Cap: US$14.349m
- Shares outstanding: 859.20k
- Website: https://www.hvsb.com
- Huron Valley Bancorp, Inc.
- 130 South Milford Road
- United States
|Ticker||Exchange||Primary Security||Security Type||Country||Currency||Listed on|
|HVLM||OTCPK (Pink Sheets LLC)||Yes||Common Stock||US||USD||Sep 2005|
Huron Valley Bancorp, Inc. provides personal and business banking services in Michigan. It offers checking and savings accounts, certificates of deposit, online banking/bill payment, e-statements, telephone banking services, courier services, and other business services. The company also provides auto, motorcycle, recreational vehicles and boats, and personal loans, as well as overdraft protection service; and commercial lines of credit, construction lines of credit/end loan financing, commercial term loans and notes, mortgage loans, SBA loans, and other loan programs, as well as loans to start-up, purchase, and expand or refinance businesses. In addition, it provides debit and ATM cards, and safe deposit boxes services. The company was formerly known as Huron Valley State Bank and changed its name to Huron Valley Bancorp, Inc. in September 2015. Huron Valley Bancorp, Inc. was founded in 2005 and is based in Milford, Michigan.
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2020/04/01 13:35|
|End of Day Share Price||2020/03/26 00:00|
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.