Huron Valley Bancorp, Inc.

Huron Valley Bancorp, Inc.

OOTC:HVLM
56.05
USD
+0.05
(+0.09%)
3.29EPS
8.93P/E
25.92MMarket Cap
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
Revenue per Share
4.25
5.15
5.89
6.38
6.69
7.19
7.76
7.88
8.73
9.58
11.12
12.12
13.36
Basic EPS, GAAP
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
Free Cash Flow per Basic Share
- -
- -
- -
- -
- -
- -
2.5
1.56
3.05
3.04
3.46
-0.45
- -
Dividend per Share
- -
- -
- -
- -
- -
- -
0.11
0.08
0.08
0.1
0.1
- -
- -
Book Value per Share
9.17
10.04
11.13
12.28
12.6
14.4
16.22
17.94
20.08
21.02
23.76
26.92
30.6
Tangible Book Value per Share
9.17
10.04
11.13
12.28
12.6
14.4
16.22
17.94
20.08
21.02
23.76
26.92
30.6
Basic Weighted Avg Shares
1
1
1
1
1
1
1
1
1
1
1
1
1
Sales/Revenue/Turnover
3
4
5
5
6
6
7
7
8
8
10
11
12
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Net Income, GAAP
1
1
1
1
1
2
2
2
2
2
3
3
3
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
Profit Margin (%)
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
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
- -
1
2
3
3
3
3
2
2
2
2
2
5
Total Equity
10
11
12
10
11
12
14
16
17
18
21
24
27
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
5.31
6.47
7.92
7.76
8.47
11.01
10.76
8.82
11.15
10.2
11.76
11.47
9.99
Return on Common Equity (%)
6.85
8.81
11.47
10.59
10.75
13.92
13.04
10.22
12.4
11.16
12.92
12.51
11.38

Capital Structure

USD

•

in mil. unless spec.
No data availableFinancial data will appear here once available

Working Capital

USD

•

in mil. unless spec.
No data availableFinancial data will appear here once available

Growth Rates

USD

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
8.93%
11.67%
14.18%
Free Cash Flow
- -
- -
- -
Net Income, GAAP
11.98%
14.54%
3.56%
Sales/Revenue/Turnover
9.22%
11.38%
10.33%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

USD

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
- -
- -
- -
- -
10
2024
- -
- -
- -
- -
11
2025
- -
- -
- -
- -
12

Quarterly Earnings Per Share

USD

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
- -
- -
- -
- -
2.89
2024
- -
- -
- -
- -
3.18
2025
- -
- -
- -
- -
3.29

Quarterly Dividends Per Share

USD

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
- -
- -
- -
- -
0.1
2024
- -
- -
- -
- -
- -
2025
- -
- -
- -
- -
- -

Company Description

CEO
Jack J. Shubitowski
Full Time Employees
40
Sector
Finance
Industry
Regional banks
Address
130 South Milford Road Milford MI United States 48381
IPO Date
Sep 29, 2005
Website
hvsb.com
Business
Huron Valley Bancorp, Inc. (HVLM) is a bank holding company that operates Huron Valley State Bank, providing commercial and retail banking services to individuals and businesses in Southeast Michigan. The bank offers deposit products including checking accounts, savings accounts, money market accounts, certificates of deposit, and individual retirement accounts; lending products such as residential mortgages, home equity lines of credit and term loans, consumer installment loans for autos, personal needs and recreational vehicles, commercial term loans, lines of credit, equipment financing, commercial real estate loans, and small business administration loans; and additional services encompassing overdraft protection, debit and ATM cards, consumer and commercial credit cards, safe deposit boxes, mobile deposits, cash management, digital wallets, bill payment, and online and mobile banking. Huron Valley State Bank maintains two full-service branches, a loan center, a financial center, and three ATMs primarily in Oakland and Wayne Counties, serving communities including Milford, Highland, South Lyon, Commerce, Brighton, and Plymouth. Founded in 2005 and headquartered at 130 South Milford Road in Milford, Michigan, the company reported net earnings of $915,000 for the second quarter of 2025, up from $651,000 in the prior-year period, and discontinued its annual dividend payments following prior years of distributions.