OTCPK:HVLM

Stock Analysis Report

Huron Valley Bancorp

Executive Summary

Huron Valley Bancorp, Inc. provides personal and business banking services in Michigan.

Snowflake

Fundamentals

Adequate balance sheet with proven track record.

Risks

  • Huron Valley Bancorp is not covered by any analysts.

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


Market Performance


7 Day Return

0%

OTCPK:HVLM

-1.8%

US Banks

-1.6%

US Market


1 Year Return

18.3%

OTCPK:HVLM

-16.1%

US Banks

-3.0%

US Market

HVLM outperformed the Banks industry which returned -16.1% over the past year.

HVLM outperformed the Market in United States of America which returned -3% over the past year.


Share holder returns

HVLMIndustryMarket
7 Day0%-1.8%-1.6%
30 Day6.3%-10.1%-5.7%
90 Day9.7%-5.0%0.2%
1 Year18.3%18.3%-13.7%-16.1%-0.8%-3.0%
3 Year70.0%70.0%37.9%28.5%38.1%29.1%
5 Yearn/a49.3%33.2%50.8%34.1%

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

Valuation

Is Huron Valley Bancorp undervalued based on future cash flows and its price relative to the stock market?

9.04x

Price to Earnings (PE) ratio


Intrinsic Value Based on Future Cash Flows

Huron Valley Bancorp's share price is above the future cash flow value, it's not available at a moderate discount (< 20%).

Huron Valley Bancorp's share price is above the future cash flow value, it's not available at a substantial discount (< 40%).


Price Based on Earnings

Huron Valley Bancorp is good value based on earnings compared to the US Banks industry average.

Huron Valley Bancorp is good value based on earnings compared to the United States of America market.


Price Based on Expected Growth

Unable to calculate PEG ratio for Huron Valley Bancorp, we can't assess if its growth is good value.


Price Based on Value of Assets

Huron Valley Bancorp is overvalued based on assets compared to the US Banks industry average.


Next Steps

Future Growth

How is Huron Valley Bancorp expected to perform in the next 1 to 3 years based on estimates from 0 analysts?

2.4%

Forecasted annual earnings growth


Earnings and Revenue Growth Estimates


Future Annual Growth Analysis

Unable to determine if Huron Valley Bancorp is high growth as no revenue estimate data is available.

Huron Valley Bancorp's earnings are expected to grow by 2.4% yearly, however this is not considered high growth (20% yearly).

Unable to compare Huron Valley Bancorp's revenue growth to the United States of America market average as no estimate data is available.

Huron Valley Bancorp's earnings growth is positive but not above the United States of America market average.

Huron Valley Bancorp's earnings growth is positive but not above the low risk savings rate of 2.7%.


Earnings per Share Growth Estimates


Future Return on Equity

Unable to establish if Huron Valley Bancorp will efficiently use shareholders’ funds in the future without estimates of Return on Equity.


Next Steps

Past Performance

How has Huron Valley Bancorp performed over the past 5 years?

19.9%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

Huron Valley Bancorp's year on year earnings growth rate has been positive over the past 5 years.

Huron Valley Bancorp's 1-year earnings growth exceeds its 5-year average (41.1% vs 19.9%)

Huron Valley Bancorp's earnings growth has exceeded the US Banks industry average in the past year (41.1% vs 33.1%).


Return on Equity

Huron Valley Bancorp has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).


Return on Assets

Huron Valley Bancorp used its assets more efficiently than the US Banks industry average last year based on Return on Assets.


Return on Capital Employed

Unable to establish if Huron Valley Bancorp improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.


Next Steps

Financial Health

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


Balance Sheet

Information is not available.

Information is not available.


Financial Institutions Analysis

Huron Valley Bancorp has an acceptable proportion of non-loan assets held.

Unable to establish if Huron Valley Bancorp has a sufficient allowance for bad loans without relevant financial data.

Huron Valley Bancorp's liabilities are made up of primarily low risk sources of funding.

Huron Valley Bancorp's level of assets compared to its equity is moderate (i.e. an appropriate level of borrowing to fund lending).

Loans at Huron Valley Bancorp are broadly funded by customer deposits.

Unable to establish if Huron Valley Bancorp has an acceptable level of bad loans without bad loans data.


Next Steps

Dividend

What is Huron Valley Bancorp's current dividend yield, its reliability and sustainability?

0.65%

Current Dividend Yield


Dividend Yield and Payments Analysis

Huron Valley Bancorp's pays a lower dividend yield than the bottom 25% of dividend payers in United States of America (1.52%).

Huron Valley Bancorp's dividend is below the markets top 25% of dividend payers in United States of America (3.93%).

Huron Valley Bancorp is not paying a notable dividend for United States of America, therefore no need to check if the payments are stable.

Huron Valley Bancorp is not paying a notable dividend for United States of America, therefore no need to check if the payments are increasing.


Current Payout to Shareholders

No need to calculate the sustainability of Huron Valley Bancorp's dividends as it is not paying a notable one for United States of America.


Future Payout to Shareholders

Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.


Next Steps

Management

What is the CEO of Huron Valley Bancorp's salary, the management and board of directors tenure and is there insider trading?

10.3yrs

Average board tenure


CEO

Jack Shubitowski (56yo)

12.5yrs

Tenure

0

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 ...


Board Age and Tenure

10.3yrs

Average Tenure

The average tenure for the Huron Valley Bancorp board of directors is over 10 years, this suggests they are a seasoned and experienced board.


Insider Trading

No 3 month open market individual insider trading information.


Ownership Breakdown


Management Team

  • Jack Shubitowski (56yo)

    President

    • Tenure: 12.5yrs
  • Steven Peacock

    Senior Vice President of Commercial Banking -Lending

    • Tenure: 0.0yrs
  • Brian Schwab

    Senior VP & CFO

    • Tenure: 0.0yrs

Board Members

  • Jack Shubitowski (56yo)

    President

    • Tenure: 12.5yrs
  • Thomas Duke

    Director

    • Tenure: 3.7yrs
  • Chris Hamill

    Director

    • Tenure: 14.0yrs
  • Chris Smith

    Director

    • Tenure: 0.0yrs
  • Lyle Tyler

    Chairman of the Board

    • Tenure: 0.0yrs
  • Marc Weinbaum

    Director

    • Tenure: 14.0yrs
  • Lynn Torossian

    Director

    • Tenure: 10.3yrs
  • Joe Salvia

    Director

    • Tenure: 10.3yrs
  • Matt Murvay

    Director

    • Tenure: 3.5yrs
  • Blair Bowman

    Director

    • Tenure: 2.6yrs

Company Information

Huron Valley Bancorp, Inc.'s company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Huron Valley Bancorp, Inc.
  • Ticker: HVLM
  • Exchange: OTCPK
  • Founded: 2005
  • Industry: Regional Banks
  • Sector: Banks
  • Market Cap: US$14.606m
  • Shares outstanding: 859.20k
  • Website: https://www.hvsb.com

Location

  • Huron Valley Bancorp, Inc.
  • 130 South Milford Road
  • Milford
  • Michigan
  • 48381
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
HVLMOTCPK (Pink Sheets LLC)YesCommon StockUSUSDSep 2005

Biography

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, telephon ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/08/25 00:01
End of Day Share Price2019/08/16 00:00
Earnings2018/12/31
Annual Earnings2018/12/31


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.