Huron Valley Bancorp, Inc. Financial Ratios — HVLM Stock

Profitability (USD)

	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Return on Common Equity (%)	- -	15.66	18.35	14.98	10.58	10.74	13.9	13	10.19	12.34	10.75	12.21	11.95	11
Return on Assets (%)	- -	0.61	0.74	0.94	0.86	0.86	1.11	1.13	0.87	0.95	0.86	1.1	1.16	1.12
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	20.13	22.9	27.19	31.8	29.92	33.32	33.12	32.22	28.11	34.2	30.23	32.88	33.21	31.19
Profit Margin (%)	37.72	15.1	17.13	21.13	19.76	19.89	26.16	25.78	22.21	27.03	23.91	25.99	26.24	24.63
Net Income to Common Margin (%)	36.76	14.36	16.51	20.55	19.75	19.89	26.16	25.78	22.21	27.03	23.91	25.99	26.24	24.63
Effective Tax Rate (%)	- -	34.05	37.01	33.57	33.95	40.29	21	19.99	21	20.97	20.9	20.97	20.98	21.02
Dvd Payout Ratio (%)	-2.6	-5.21	-3.75	-2.8	-0.1	- -	- -	5.51	4.62	3.42	4.32	3.41	- -	- -
Sustainable Growth Rate (%)	- -	16.48	19.04	15.39	10.59	10.74	13.9	12.29	9.72	11.92	10.28	11.8	11.95	11

Credit (USD)

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	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Total Debt	- -	- -	1	2	3	3	3	3	2	2	2	2	2	5
ST Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
LT Debt	- -	- -	1	2	3	3	3	3	2	2	2	2	2	5
Total Debt/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	3.7	3.74	4.05	7.95	8.25	7.71	8.21	9.09	8.11	7.41	8.54	9.4	10.06	10.23
Long-Term Debt/Equity (%)	- -	- -	12	16.96	24.87	28.85	24.25	18.46	13.64	8.89	9.86	9.74	8.57	18.54
Long-Term Debt/Capital (%)	- -	- -	16.2	14.48	19.92	22.35	19.51	15.52	11.99	8.11	8.46	8.49	7.59	15.31
Long-Term Debt/Total Assets (%)	- -	- -	1.27	1.73	2.05	2.22	1.99	1.67	1.11	0.65	0.79	0.87	0.83	1.85
Total Debt/Equity (%)	- -	- -	12	16.96	24.87	28.85	24.25	18.46	13.64	8.89	9.86	9.74	8.57	18.54
Total Debt/Capital (%)	- -	- -	16.2	14.48	19.92	22.35	19.51	15.52	11.99	8.11	8.46	8.49	7.59	15.31
Total Debt/Total Assets (%)	- -	- -	1.27	1.73	2.05	2.22	1.99	1.67	1.11	0.65	0.79	0.87	0.83	1.85
Net Debt to Equity	-149.55	-151.24	-62.41	-29.61	-50.25	-119.25	-104.79	-103.88	-205.96	-482.63	-284.02	-110.54	-110.7	-48.4
Net Debt/Capital (%)	162.24	165.1	-532.97	-33.83	-67.33	-1,213.53	-536.02	-689.72	223.41	129.4	169.62	-2,673.37	-4,807.54	-66.59
EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	-4	- -
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

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	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	3.7	3.74	4.05	7.95	8.25	7.71	8.21	9.09	8.11	7.41	8.54	9.4	10.06	10.23
Long-Term Debt/Equity (%)	- -	- -	12	16.96	24.87	28.85	24.25	18.46	13.64	8.89	9.86	9.74	8.57	18.54
Long-Term Debt/Capital (%)	- -	- -	16.2	14.48	19.92	22.35	19.51	15.52	11.99	8.11	8.46	8.49	7.59	15.31
Long-Term Debt/Total Assets (%)	- -	- -	1.27	1.73	2.05	2.22	1.99	1.67	1.11	0.65	0.79	0.87	0.83	1.85
Total Debt/Equity (%)	- -	- -	12	16.96	24.87	28.85	24.25	18.46	13.64	8.89	9.86	9.74	8.57	18.54
Total Debt/Capital (%)	- -	- -	16.2	14.48	19.92	22.35	19.51	15.52	11.99	8.11	8.46	8.49	7.59	15.31
Total Debt/Total Assets (%)	- -	- -	1.27	1.73	2.05	2.22	1.99	1.67	1.11	0.65	0.79	0.87	0.83	1.85
CFO/Total Liabilities	- -	- -	- -	- -	- -	- -	- -	1.59	0.89	1.25	1.29	1.48	1.49	- -
CFO/CapEx	- -	- -	- -	- -	- -	- -	- -	24.14	6.81	25.02	39.36	29.52	0.89	- -
Altman's Z-Score	0.07	0.08	0.09	0.1	0.11	0.12	0.14	0.17	0.14	0.13	0.16	0.18	0.2	0.14

Working Capital (USD)

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	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Accounts Receivable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Sales Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

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	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Market Capitalization	6	6	7	8	9	11	12	16	14	16	17	21	23	- -
- Cash & Cash Equivalents	14	15	7	3	5	13	13	15	32	84	52	23	26	13
+ Preferred Equity and Hybrid Capital	3	3	3	3	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	- -	- -	1	2	3	3	3	3	2	2	2	2	2	5
Enterprise Value	-6	-6	4	9	6	1	2	4	-16	-66	-33	- -	-1	-8
Total Capital	6	6	8	14	13	14	15	17	18	19	21	24	27	33
Total Debt/Capital (%)	- -	- -	16.2	14.48	19.92	22.35	19.51	15.52	11.99	8.11	8.46	8.49	7.59	15.31
Total Debt / EV	- -	- -	0.32	0.22	0.42	3.24	1.35	0.6	-0.14	-0.02	-0.06	-4.42	-2.3	-0.62
EV/Sales	- -	- -	0.97	1.84	1.18	0.17	0.36	0.65	- -	- -	- -	- -	- -	- -
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	1.94	- -	- -	- -	- -	- -	- -
EV/Free Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	1.86	- -	- -	- -	- -	- -	- -
Diluted Market Cap	6	6	7	8	9	11	12	16	14	16	17	21	23	26
Diluted Enterprise Value	-6	-6	4	9	6	1	2	4	-16	-66	-33	- -	-1	18
EV per Share	- -	- -	5	10.84	7.54	1.12	2.6	5.05	- -	- -	- -	- -	- -	- -
TTM Sales	3	3	4	5	5	6	6	7	7	8	8	10	11	12
TTM EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	2	2	3	3	3	3	- -
TTM Free Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	2	2	3	3	3	7	- -

Multiples (USD)

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	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Price/Free Cash Flow	- -	- -	- -	- -	- -	- -	- -	7.01	7.96	5.68	6.24	6.34	3.32	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	-6	-6	4	9	6	1	2	4	-16	-66	-33	- -	-1	-8
Low Price	6.06	7.5	7.8	8	9.18	10.75	12.5	14.1	16	16.66	18.75	20	23.05	26.11
EV/Sales	- -	- -	0.97	1.84	1.18	0.17	0.36	0.65	- -	- -	- -	- -	- -	- -
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings	5.32	12.79	10	7.85	8.53	9.4	7.55	9.5	9.52	7.94	8.73	8.13	8.36	- -
Price/Earnings Average	5.03	12.85	9.46	7.3	7.94	8.89	7.21	8.04	9.79	7.56	8.42	7.45	8.48	- -
Price/Earnings High	5.67	13.18	10	8.06	8.53	9.4	7.98	9.5	10.93	7.94	8.73	8.3	9.43	- -
Price/Earnings Low	4.3	12.3	9.18	6.61	7.29	8.08	6.65	7.05	9.14	7.06	8.19	6.92	7.25	- -
Price/Book Value	2.09	1.86	1.68	0.85	0.85	0.99	0.98	1.16	0.93	0.93	0.89	0.94	0.94	- -
Price/Book Value Average	1.98	1.87	1.59	0.79	0.79	0.94	0.94	0.98	0.95	0.88	0.86	0.86	0.96	- -
Price/Book Value High	2.23	1.91	1.68	0.87	0.85	0.99	1.04	1.16	1.06	0.93	0.89	0.96	1.06	- -
Price/Book Value Low	1.69	1.79	1.54	0.72	0.72	0.85	0.87	0.86	0.89	0.82	0.84	0.8	0.82	- -
Price/Tangible Book Value	0.87	0.85	0.84	0.85	0.85	0.99	0.99	1.16	0.93	0.93	0.95	0.99	0.98	- -
Price/Tangible Book Value Average	0.82	0.85	0.8	0.79	0.79	0.94	0.94	0.99	0.95	0.89	0.92	0.9	1	- -
Price/Tangible Book Value High	0.93	0.87	0.84	0.88	0.85	0.99	1.04	1.16	1.06	0.93	0.95	1.01	1.11	- -
Price/Tangible Book Value Low	0.7	0.82	0.77	0.72	0.72	0.85	0.87	0.86	0.89	0.83	0.89	0.84	0.85	- -
Price/Sales	1.96	1.84	1.65	1.61	1.68	1.87	1.98	2.45	2.11	2.15	2.09	2.11	2.2	- -
Price/Sales Average	1.85	1.85	1.56	1.5	1.57	1.77	1.89	2.07	2.17	2.04	2.01	1.94	2.23	- -
Price/Sales High	2.09	1.89	1.65	1.66	1.68	1.87	2.09	2.45	2.43	2.15	2.09	2.16	2.48	- -
Price/Sales Low	1.58	1.77	1.52	1.36	1.44	1.61	1.74	1.82	2.03	1.91	1.96	1.8	1.9	- -
Price/Cash Flow	- -	- -	- -	- -	- -	- -	- -	7.3	9.13	5.91	6.4	6.55	7.04	- -
Price/Cash Flow Average	- -	- -	- -	- -	- -	- -	- -	6.18	9.39	5.62	6.17	6	7.14	- -
Price/Cash Flow High	- -	- -	- -	- -	- -	- -	- -	7.3	10.49	5.91	6.4	6.69	7.94	- -
Price/Cash Flow Low	- -	- -	- -	- -	- -	- -	- -	5.42	8.77	5.25	6	5.58	6.1	- -
Price/Free Cash Flow Average	- -	- -	- -	- -	- -	- -	- -	5.93	8.19	5.4	6.02	5.81	3.37	- -
Price/Free Cash Flow High	- -	- -	- -	- -	- -	- -	- -	7.01	9.15	5.68	6.24	6.47	3.74	- -
Price/Free Cash Flow Low	- -	- -	- -	- -	- -	- -	- -	5.2	7.65	5.05	5.85	5.4	2.88	- -
EV/Sales Average	- -	- -	0.88	1.73	1.06	0.07	0.27	0.28	- -	- -	- -	- -	- -	- -
EV/Sales High	- -	- -	0.97	1.88	1.18	0.17	0.47	0.65	- -	- -	- -	- -	0.2	- -
EV/Sales Low	- -	- -	0.83	1.59	0.93	- -	0.12	0.02	- -	- -	- -	- -	- -	- -
EV/EBITDA Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	7.5	7.8	8.5	9.5	10.75	12.5	14.2	19	16.66	18.75	20	23.5	26.6	29.4
High Price	8	8.04	8.5	9.75	10.75	12.5	15	19	19.13	18.75	20	24	30	29.99
Enterprise Value Average	-6	-6	4	8	6	- -	2	2	-15	-67	-33	-2	-1	-8
Enterprise Value High	-5	-6	4	9	6	1	3	4	-13	-66	-33	- -	2	-8
Enterprise Value Low	-7	-7	4	8	5	-1	1	- -	-16	-68	-34	-4	-4	-8

	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Shares Outstanding	1	1	1	1	1	1	1	1	1	1	1	1	1	1
Diluted Weighted Avg Shares	1	1	1	1	1	1	1	1	1	1	1	1	1	1
Basic Weighted Avg Shares	1	1	1	1	1	1	1	1	1	1	1	1	1	- -
Revenue per Share	3.84	4.25	5.15	5.89	6.38	6.69	7.19	7.76	7.88	8.73	9.58	11.12	12.12	- -
EBITDA per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	1.41	0.61	0.85	1.21	1.26	1.33	1.88	2	1.75	2.36	2.29	2.89	3.18	- -
Basic EPS from Cont Ops	1.45	0.64	0.88	1.24	1.26	1.33	1.88	2	1.75	2.36	2.29	2.89	3.18	- -
Diluted EPS, GAAP	1.41	0.61	0.85	1.21	1.26	1.33	1.88	2	1.75	2.36	2.29	2.89	3.18	3.29
Diluted EPS from Cont Ops	1.45	0.64	0.88	1.24	1.26	1.33	1.88	2	1.75	2.36	2.29	2.89	3.18	3.29
Dividend per Share	- -	- -	- -	- -	- -	- -	- -	0.11	0.08	0.08	0.1	0.1	- -	- -
Cash Flow per Share	- -	- -	- -	- -	- -	- -	- -	2.6	1.82	3.17	3.12	3.59	3.78	- -
Free Cash Flow per Basic Share	- -	- -	- -	- -	- -	- -	- -	2.5	1.56	3.05	3.04	3.46	-0.45	- -
Cash & Equivalents per Share	17.62	18.7	8.28	4.23	6.36	15.01	15.1	16.96	37.03	97.07	59.63	26.35	29.93	- -
Book Value per Share	3.59	4.2	5.06	11.16	12.67	12.62	14.42	16.41	18	20.27	22.4	25.01	28.23	- -
Tangible Book Value per Share	8.61	9.19	10.08	11.13	12.67	12.59	14.41	16.33	17.98	20.11	20.99	23.83	27.04	- -

Huron Valley Bancorp, Inc.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)