OTCPK:HVLM

Stock Analysis Report

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Huron Valley Bancorp

Executive Summary

Huron Valley Bancorp, Inc. operates as the bank holding company for Huron Valley State Bank provides banking product and services for individuals and businesses. More Details


Snowflake Analysis

Adequate balance sheet and fair value.

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.


Market Performance


7 Day Return

0%

HVLM

0.3%

US Banks

-1.4%

US Market


1 Year Return

n/a

HVLM

-28.7%

US Banks

17.8%

US Market

Return vs Industry: Insufficient data to determine how HVLM performed against the US Banks industry.

Return vs Market: Insufficient data to determine how HVLM performed against the US Market.


Shareholder returns

HVLMIndustryMarket
7 Day0%0.3%-1.4%
30 Day0%5.8%4.7%
90 Day5.7%-0.5%8.2%
1 Yearn/a-26.1%-28.7%20.5%17.8%
3 Year42.0%42.0%-19.3%-26.0%42.2%32.7%
5 Yearn/a14.8%0.6%83.4%62.7%

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 compared to its fair value and its price relative to the market?

0.6%

Undervalued compared to fair value


Share Price vs. Fair Value

Below Fair Value: HVLM ($17.75) is trading below our estimate of fair value ($17.86)

Significantly Below Fair Value: HVLM is trading below fair value, but not by a significant amount.


Price To Earnings Ratio

PE vs Industry: HVLM is good value based on its PE Ratio (8.9x) compared to the US Banks industry average (10x).

PE vs Market: HVLM is good value based on its PE Ratio (8.9x) compared to the US market (19x).


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 (1.1x) compared to the US Banks industry average (0.8x).


Next Steps

Future Growth

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

15.7%

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.


Next Steps

  • Examine whether Huron Valley Bancorp is trading at an attractive price based on how much it is expected to earn in the future, and relative to its industry peers and the wider market.
  • While we do not consider unaudited financials to be a reliable enough to include in our analysis, you can access them on theOTC Markets Website. If you are looking for more of a qualitative research into the company, you can access Huron Valley Bancorp's filings and announcementshere.
  • Explore growth companies in the Banks industry.

Past Performance

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

16.9%

Historical annual earnings growth


Earnings and Revenue History

Quality Earnings: HVLM has high quality earnings.

Growing Profit Margin: HVLM's current net profit margins (26.2%) are lower than last year (26.9%).


Past Earnings Growth Analysis

Earnings Trend: HVLM's earnings have grown by 16.9% per year over the past 5 years.

Accelerating Growth: HVLM's earnings growth over the past year (6.9%) is below its 5-year average (16.9% per year).

Earnings vs Industry: HVLM earnings growth over the past year (6.9%) exceeded the Banks industry -3%.


Return on Equity

High ROE: HVLM's Return on Equity (12.2%) is considered low.


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


Financial Institutions Analysis

Asset Level: HVLM's Assets to Equity ratio (11.1x) is moderate.

Allowance for Bad Loans: Insufficient data to determine if HVLM has a sufficient allowance for bad loans.

Low Risk Liabilities: 98% of HVLM's liabilities are made up of primarily low risk sources of funding.

Loan Level: HVLM has an appropriate level of Loans to Assets ratio (86%).

Low Risk Deposits: HVLM's Loans to Deposits ratio (97%) is appropriate.

Level of Bad Loans: Insufficient data to determine if HVLM has an appropriate level of bad loans.


Next Steps

Dividend

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

0.62%

Current Dividend Yield


Dividend Yield vs Market

Notable Dividend: HVLM's dividend (0.62%) isn’t notable compared to the bottom 25% of dividend payers in the US market (1.64%).

High Dividend: HVLM's dividend (0.62%) is low compared to the top 25% of dividend payers in the US market (4.68%).


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: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.


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.


Next Steps

Management

How experienced are the management team and are they aligned to shareholders interests?

4.8yrs

Average board tenure


CEO

Jack Shubitowski (57 yo)

13.67yrs

Tenure

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 Members

NamePositionTenureCompensationOwnership
Jack Shubitowski
President13.67yrsno datano data
Thomas Duke
Director4.83yrsno datano data
Christina Hamill
Director15.17yrsno datano data
Christopher Smith
Directorno datano datano data
Lyle Tyler
Chairman of the Boardno datano datano data
Marc Weinbaum
Director15.17yrsno datano data
Lynn Torossian
Director11.5yrsno datano data
Joseph Salvia
Director11.5yrsno datano data
Matthew Murvay
Director4.67yrsno datano data
Blair Bowman
Director3.75yrsno datano data
Peter Scodeller
Director3.75yrsno datano data
Todd Sangster
Director3.75yrsno datano data

4.8yrs

Average Tenure

Experienced Board: HVLM's board of directors are considered experienced (4.8 years average tenure).


Ownership

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.


Ownership Breakdown

Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.


Top Shareholders

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$15.411m
  • Shares outstanding: 868.20k
  • 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. operates as the bank holding company for Huron Valley State Bank provides banking product and services for individuals and businesses. The company offers checking, savings, certi ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2020/10/22 00:08
End of Day Share Price2020/09/11 00:00
Earnings2019/12/31
Annual Earnings2019/12/31


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.