Huron Valley Bancorp Inc(HVLM)
USD --+0.00%
Reward55Moderate
Risk48Moderate
📊75%Data
Strong 28% profit margin · Revenue growing 23% YoY
HVLM
+0.0 · +0.00%
USD · PINK
Huron Valley Bancorp Inc | Financial Services
Balanced
Market Cap:31.59M
ℹ️
Reward Rating
55
Moderate
Bottom 50% (model universe)
75% data coverage
ℹ️
Risk Rating
48
Moderate
Risk Assessment
ℹ️

Educational tool only – Scores are based on historical data and financial metrics for informational purposes. This is not financial advice or a recommendation to buy or sell any security. Always conduct your own research or consult a qualified financial adviser.

ℹ️ Educational tool only · More
Limited data coverage
We don't have enough public data on HVLM to score it reliably yet — Reward, Risk, Forecasts and Dividends tabs aren't available for this stock. The price chart and basic profile are still shown.
OTC / ADR stock — scores and fundamentals use data tagged in USD by our provider. The issuer may report in a different home currency (e.g. JPY), so treat figures as directional rather than precise.
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Market Performance

Stock returned +10.0% over the past year, broadly in line with market conditions.

What is 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.

HVLM · Verdict

Solid reward · moderate risk

HVLM stands out on volatility and profitability, but watch the valuation signal.

Based on 88% data coverage

HVLM · Verdict

What’s working & what to watch

Strengths 2

  • Volatility75/100

    Above average

  • Profitability65/100

    26% net margin · 13% ROE

Watchouts 2

  • Valuation42/100

    Below average

  • Balance sheet44/100

    Current ratio 0.32

Model-based scoring. For information only — not financial advice.

What is 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. The company is listed on the PINK in USA, operating in the Financial Services sector, with a market capitalisation of 31.59M, and a P/E ratio of 11.3x.

Financial Highlights

Investment Breakdown

📈 Growth
Revenue and earnings growing steadily, indicating improving operating performance.
💰 Profitability
Adequate profitability with some margin variability in recent periods.
⚠️ Risk
Risk profile appears balanced versus broad market conditions.
💸 Valuation
Valuation appears fair relative to current fundamentals.

OpenBook Logo Analysis

Reward: Moderate (55)

The scoring profile indicates moderate reward potential, with profitability and growth as the leading contributors. Risk indicators are moderate, consistent with typical market exposure.

For informational purposes only. Not financial advice.

Company Information
SectorFinancial Services
Market Cap31.59M
P/E Ratio11.3208
Dividend YieldN/A
52 Week High36
52 Week Low26.11
Last AnnualDecember
IPO DateN/A
IncorporatedUSA
Shares Outstanding878K
No. of EmployeesN/A
IndustryBanks - Regional
ExchangePINK
Beta-0.069
CurrencyUSD