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Huron Valley Bancorp, Inc (HVLM) Fair Value & Analysis

Financial Services · US · Market cap $31.7M

Price$36.00
Fair Value$42.44
Upside+17.9%
Quality95/100
Evidence: High Range $31.83 – $53.05

Fair value as of: Jun 26, 2026

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Analysis

Huron Valley Bancorp, Inc (HVLM) currently trades at $36.00, while our model-based Fair Value estimate is $42.44 — implying the stock looks roughly 17.9% undervalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high) — always confirm before acting.

About the company

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. It also provides overdraft solutions, debit and ATM Cards, consumer and commercial credit cards, mobile deposits, and safe deposit boxes; and cash management, digital wallet, bill payment, and online and mobile banking services. The company was founded in 2005 and is based in Milford, Michigan.

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Frequently asked questions

Is Huron Valley Bancorp, Inc (HVLM) undervalued?
As of Jun 26, 2026, our model estimates a fair value of $42.44 versus a price of $36.00 — about +18% (undervalued). Model-based estimate, not financial advice.
What is the fair value of HVLM?
Our 21-model fair value for Huron Valley Bancorp, Inc is $42.44 (as of Jun 26, 2026), built from audited fundamentals. The current price is $36.00.
What is the quality score of HVLM?
Huron Valley Bancorp, Inc has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.