HVLM Stock Overview

Operates as the bank holding company for Huron Valley State Bank that provides various banking products and services to individuals and businesses in Michigan. More details

HVLM fundamental analysis
Snowflake Score
Valuation	4/6
Future Growth	0/6
Past Performance	4/6
Financial Health	4/6
Dividends	0/6

Rewards

Trading at 36.9% below our estimate of its fair value

Earnings grew by 10.2% over the past year

Risk Analysis

Shares are highly illiquid

Does not have a meaningful market cap ($24M)

Community vs My Fair Value

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Huron Valley Bancorp, Inc. Competitors

Price History & Performance

Summary of share price highs, lows and changes for Huron Valley Bancorp
Historical stock prices
Current Share Price	US$27.00
52 Week High	US$30.00
52 Week Low	US$26.00
Beta	-0.10
1 Month Change	1.50%
3 Month Change	n/a
1 Year Change	n/a
3 Year Change	n/a
5 Year Change	64.63%
Change since IPO	170.00%

Recent News & Updates

No updates

Recent updates

No updates

Shareholder Returns

	HVLM	US Banks	US Market
7D	0%	1.5%	1.7%
1Y	n/a	20.1%	11.5%

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.

Price Volatility

Is HVLM's price volatile compared to industry and market?
HVLM volatility
HVLM Average Weekly Movement	n/a
Banks Industry Average Movement	4.7%
Market Average Movement	7.9%
10% most volatile stocks in US Market	17.3%
10% least volatile stocks in US Market	4.1%

Stable Share Price: HVLM's share price has been volatile over the past 3 months compared to the US market.

Volatility Over Time: Insufficient data to determine HVLM's volatility change over the past year.

About the Company

Founded	Employees	CEO	Website
2005	n/a	Jack Shubitowski	www.hvsb.com

Huron Valley Bancorp, Inc. operates as the bank holding company for Huron Valley State Bank that provides various banking products and services to individuals and businesses in Michigan. The company offers checking and savings accounts, overdraft solutions, certificates of deposit, IRAs, and money market accounts; mortgage, home equity, auto, personal, and recreational vehicle loans; and commercial loans, lines of credit, term loans and long-term working capital financing, equipment financing, commercial real estate loans, and small business administration loans. It also provides overdraft solutions, debit and ATM Cards, consumer and commercial credit cards, mobile deposits, and safe deposit boxes; and cash management, digital wallet, bill payment, and online and mobile banking services.

Huron Valley Bancorp, Inc. Fundamentals Summary

How do Huron Valley Bancorp's earnings and revenue compare to its market cap?
HVLM fundamental statistics
Market cap	US$23.69m
Earnings (TTM)	US$2.78m
Revenue (TTM)	US$10.28m

8.5x

P/E Ratio

1.0x

P/B Ratio

Is HVLM overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
HVLM income statement (TTM)
Revenue	US$10.28m
Cost of Revenue	US$0
Gross Profit	US$10.28m
Other Expenses	US$7.50m
Earnings	US$2.78m

Last Reported Earnings

Dec 31, 2024

Next Earnings Date

n/a

Earnings per share (EPS)	3.17
Gross Margin	100.00%
Net Profit Margin	27.03%
Debt/Equity Ratio	8.6%

How did HVLM perform over the long term?

See historical performance and comparison

Dividends

0.4%

Current Dividend Yield

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2025/06/02 21:50
End of Day Share Price	2025/05/16 00:00
Earnings	2024/12/31
Annual Earnings	2024/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* Example for US securities, for non-US equivalent regulatory forms and sources are used.

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.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

Huron Valley Bancorp, Inc. is covered by 0 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.