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Huron Valley Bancorp, Inc. (HVLM)

USD36.00 +0.00 (+0.00%)
US OTC Financial Services Banks - Regional
Address 130 South Milford Road 48381
Milford, MI, US
CEO Jack J. Shubitowski
Website hvsb.com
IPO 2007-03-28
ISIN US4477251023

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Description

Huron Valley Bancorp, Inc. serves as the parent entity for Huron Valley State Bank, delivering a comprehensive array of banking products and services. Its offerings span various deposit accounts, including checking, savings, certificates of deposit (CDs), Individual Retirement Accounts (IRAs), and money market accounts. The institution's lending portfolio is extensive, covering residential mortgages, home equity loans, and various consumer financing options such as auto, personal, and recreational vehicle loans. For businesses, it provides commercial loans, lines of credit, term and long-term working capital financing, equipment loans, commercial real estate loans, and Small Business Administration (SBA) loans. Additionally, Huron Valley Bancorp furnishes a suite of convenient services, from debit, ATM, and credit cards to digital solutions like online bill payment, mobile deposit, and eStatements. Customers can also access safe deposit boxes, overdraft services, check ordering, and cash management solutions, all supported by robust online, telephone, and mobile banking platforms. Established in 2005, Huron Valley Bancorp, Inc. is headquartered in Milford, Michigan.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
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Signal Summary Loading…
Indicator 1D1W2W3W1M
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
Averages
Trend
Price
Levels
Draw
USD36.00 +0.00 (+0.00%)
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Volume Profile
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Liquidity & share structure
Average Volume
8
Beta
-0.10
Float Shares
356.1K
Free Float %
40.7%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
+0.00% +0.00% +0.00% +0.00% +22.45% +22.45% +33.33% +67.44% +102.25% +260.00% +297.79%
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
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Annual Monthly Returns
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Daily Returns Distribution
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Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

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By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Price Targets & DCF
Current price
36.00
DCF (Unlevered) 49.15 +36.5%
DCF (Levered) 78.17 +117.1%

DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.

Quality scores
Operational MOAT
  • Revenue growth
    +47.9% Q2'25: +1,353.2% (vs Q2'07)
  • EPS growth
    +3.8% Q2'25: +677.8% (vs Q2'07)
  • FCF margin
    Q2'25: +0.0% (vs Q2'07)
  • EBIT margin
    Q2'25: +0.0% (vs Q2'07)
  • ROIC
    Q2'25: +0.0% (vs Q2'07)
  • Share dilution
    -0.3% Q2'25: +7.3% (vs Q2'07)
  • Debt / EBITDA
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
Theoretical Return — If Invested Today

* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
WACC components (optional)
Ke (Cost of Equity) = Rf + β (-0.10) × ERP
WACC = 86% × Ke + 14% × Kd (79.5%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Intrinsic value (base): 49.15 Current price: 36.00
Enterprise Value: Equity Value: Terminal Value: TV as % of EV:

Base values reflect the latest available data for this company and market conditions.

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
2.80M
OE per share TTM
3.20
Owner's Yield
8.90%
Maintenance CapEx ratio
168.01%
Maint CapEx / Avg PPE
52.6%

Ownership Overview

Ownership breakdown

Ownership breakdown not available.

At a glance
Institutional holders
Total invested
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)

No beneficial ownership filings recorded.

Institutional Activity (13F)

Institutional ownership trend

Institutional history not available.

Top institutional holders

Top holders not available.

ETF Ownership

Top ETFs holding this stock

This company is not held by any ETF in our universe.

Insider Activity

Insider Activity — Latest Quarter

No insider activity available.

Insider buys vs sells (history)

Insider history not available.

Recent insider transactions

No recent insider transactions.

Executive team

Top executives
EBIT / Employee
91.1K
Shares Outstanding
874.7K

Executive compensation

Executive compensation (annual)

Executive compensation not available.

CEO compensation breakdown

No CEO compensation history available.

Proxy statements

Proxy statements (DEF 14A)

No proxy statements available for this company yet.

Recent SEC filings

Recent SEC filings

No SEC filings available for this company yet.

Executive team

NameTitleCompensationGender
Brendan McMahon Finance Manager male
Darren R. LaLonde Senior Vice President & Commercial Team Lead male
Jack J. Shubitowski President, Chief Executive Officer & Director male
James Thibodeau Vice President of Technology male
Jeremy Runyon Assistant Vice President & Operations Manager male
Melissa Herron Assistant Vice President & Treasury Management female
Ronica Fodor Assistant Vice President of Compliance female
Steven Peacock Executive Vice President of Commercial Banking & Senior Lender male
Susan Vanderwill Senior Vice President & Regional Branch Manager female
Timothy Collins Senior Vice President & Commercial Lender male
ESG Score History

No data available for this company.

Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

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Dividend history

Earnings reports

Stock splits