Stock fact sheet · data as of
Huron Valley Bancorp, Inc. (HVLM): fair value, margin of safety and Wheel Score
Ticker symbol HVLM · Financial Services · Banks - Regional · United States · Growth
Is HVLM undervalued?
At 56.05 (close of 5 Nov 2026), HVLM trades 15% under the GLS average fair value of 66.22. 5 of the 8 models that produced a value land above the price. A discount of this size counts as a positive margin of safety in every GLS scan; whether it is enough depends on the rest of the picture - the health score, the moat and the option premium below.
There is a wide gap between EPV (36.57) and Graham Growth (109.73). When the models are this far apart the "fair value" is really a range, and the margin of safety above should be read with that range in mind.
Ranked against every other company we cover, HVLM is clearly faster-growing than it is cheap, so the nightly engine files it under Growth (value score 47, growth score 72, out of 100).
Nine valuation models for HVLM
Each model turns the latest filed numbers into a value per share; the GLS fair value is the simple average of the ones that produce a positive number. The last two rows are shown for reference and never enter the average. The Quote page lets you switch any model off and add your own margin of safety.
| Model | Value | vs price | What it measures |
|---|---|---|---|
| DCF | 59.05 | +5% | Present value of the projected free cash flows, discounted at the cost of capital |
| Graham Number | 47.80 | -15% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 109.73 | +96% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 42.13 | -25% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 62.43 | +11% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | 82.56 | +47% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | 89.50 | +60% | Eight years of compounded free cash flow: the price at which the business pays for itself |
| DDM | - | - | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend; no value tonight |
| EPV | 36.57 | -35% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | -263.33 | -570% | Current assets less all liabilities, per share: the balance-sheet floor. Not in the average |
| Wall St target | 0.0000 | -100% | Analysts' average 12-month price target. Not in the average |
Quality and financial health
No Piotroski health score is on file for HVLM (the statements it needs were not available), so the Health part of the Wheel Score counts it at half marks - 10 of 20 - rather than marking the stock down for missing data. A GLS Moat score of 7.7/10 puts HVLM among the more durable businesses we track: over up to ten years its returns on capital have stayed high, its margins steady and its balance sheet sound.
Returns on capital are moderate - ROIC 9.0%, ROE 10.7%, ROA 1.1% - with debt at 0.19 times equity and a free-cash-flow yield of 5.7%.
Huron Valley Bancorp, Inc. pays no dividend, so the DDM model does not apply and a covered-call holder earns only the premium and any price gain.
Institutional ownership scores 5/10, insider activity 5/10 and Congressional trading 5/10 on the GLS smart-money scales.
| Piotroski F-score | - / 9 | ROIC | 9.0% |
|---|---|---|---|
| GLS Moat | 7.7 / 10 | ROE | 10.7% |
| Debt / equity | 0.19 | ROA | 1.1% |
| Free-cash-flow yield | 5.7% | Payout ratio | 0% |
| Institutions | 5 / 10 | Insiders · Congress | 5 · 5 / 10 |
Wheel Score 27: No options
No options are listed on Huron Valley Bancorp, Inc. in our nightly snapshot, so it fails the first Wheel Trade Filter (options that actually trade) (it reads 27, under 70) and is left out of every options scan; the fair value and health figures above are still useful for a plain stock position.
Volume runs at 1k shares a day on a market cap of $49M, with a beta of -0.11 - a low beta, so day-to-day moves are smaller than the market's; the Stability part of the Wheel Score rates that fair.
| Filter | Wheel Trade Filter | Result | Detail |
|---|---|---|---|
| 1 | Options that actually trade | Fails | no listed options |
| 2 | A real business, not a gamble | Passes | Profitable over the last twelve months - not a speculative stock, fund or note |
| 3 | Below fair value | Passes | Trading below the nine-model average fair value (margin of safety above 0) |
| 4 | Financially healthy | Passes | Piotroski F-score 6 or more out of 9 (a company with no score on file passes) |
| 5 | Can repay its debt | Passes | Long-term debt repaid from 3 years of operating cash flow or less (6 for real estate and utilities; banks and insurers are not judged on it) |
| 6 | No serious red flags | Passes | Red Flags score 60 or more out of 100 (earnings, margins, debt, analysts, filings and price checked the same way for every stock) |
| 7 | A premium worth selling | Fails | no implied volatility |
| 8 | Big enough | Fails | market cap $49M (under $1.0B) |
| 9 | Not a penny stock | Passes | Share price $5 or more |
| How it ranks | Rating | From | |
|---|---|---|---|
| Value | Fair | 15% below fair value | |
| Premium | Weak | no option data | |
| Moat | Good | moat 7.7/10 | |
| Health | Fair | no Piotroski score on file - half marks | |
| Red Flags | Fair | not scored yet - half marks | |
| Option trading | Weak | no option volume data | |
| Stability | Fair | beta -0.11, $49M company |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls: a stock must pass all 9 Wheel Trade Filters to score 70, and the score then ranks the ones that pass; the Sunday Scan is the top 10. It is updated nightly and is not a recommendation. How the Wheel Score works · the walkthrough lesson shows how it fits into a trade, start to finish.
Upcoming events
No upcoming earnings date is recorded for HVLM in the nightly calendar.
Earnings, dividend, IPO, split and economic calendars for the whole market, filterable to your watchlists.
Similar stocks in Banks - Regional
The 12 companies below are the closest to Huron Valley Bancorp, Inc. by market cap within the Banks - Regional industry, each with its own fact sheet; the Compare page puts up to eight of them side by side.
| Stock | Close | Fair value | MoS | Wheel | Mkt cap |
|---|---|---|---|---|---|
| SCYT Security Bancorp, Inc. | 130.00 | 410.43 | +68% | 34No options | $49M |
| BHDB Bank of Labor Bancshares, Inc. | 142.50 | 760.28 | +81% | 31No options | $49M |
| TCBS Texas Community Bancshares, Inc. | 17.30 | 27.64 | +37% | 34No options | $50M |
| PVBK Pacific Valley Bancorp | 9.27 | 7.95 | -17% | 17No options | $50M |
| WDFN Woodlands Financial Services Company | 36.00 | 49.78 | +28% | 32No options | $50M |
| PNBI Pioneer Bankshares, Inc. | 51.25 | 117.78 | +56% | 32No options | $52M |
| FGFI First Greenwich Financial, Inc. | 19.40 | 18.57 | -4% | 17No options | $52M |
| CIBH CIB Marine Bancshares, Inc. | 38.96 | 42.91 | +9% | 23No options | $53M |
| TBBC Triad Business Bank | 6.60 | 7.60 | +13% | 19No options | $53M |
| HCBC High Country Bancorp, Inc. | 45.05 | 47.76 | +6% | 23No options | $45M |
| MDVT Middlebury National Corporation | 52.00 | 117.86 | +56% | 31No options | $45M |
| GVYB Golden Valley Bancshares, Inc. | 24.70 | 28.70 | +14% | 25No options | $54M |
⚖ Compare HVLM with 7 of them All Financial Services stocks →
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Start free See the Sunday ScanQuestions about HVLM
Is HVLM undervalued right now?
By the GLS models, moderately: at 56.05 the stock trades 15% below the average fair value of 66.22 (data as of 5 Nov 2026).
What is the Wheel Score of HVLM and what does it mean?
HVLM has no listed options in our nightly snapshot, so it cannot be wheeled; it fails the first Wheel Trade Filter (options that actually trade), stays under 70 and is shown as "No options".
What is the GLS fair value for HVLM?
66.22 per share as of 5 Nov 2026 - the simple average of the 8 valuation models (out of nine: DCF, Graham Number, Graham Growth, Lynch, GLS Growth, 10 Cap, Payback Time, DDM and EPV) that produced a positive value. The models run every night on the latest filings; the Quote page lets you switch any of them off and add a margin of safety of your own.
When does Huron Valley Bancorp, Inc. report earnings next?
No upcoming earnings date is recorded for HVLM in our calendar as of 5 Nov 2026; the Calendars page is refreshed every morning.
Does HVLM have listed options, and how liquid are they?
No. The nightly options snapshot found no listed contracts on HVLM, so the wheel strategy cannot be run on it and the Wheel Score stays under 70.