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Huron Valley BancorpHVLM 65 Median PS Value is $29.26 as of Aug. 16, 2026, which is 2797% above its 10-year median of 1.01. GuruFocus rates HVLM with a GF Score™ of 65/100 and a GF Value™ of $32.70 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 1,056 Banks companies, Huron Valley Bancorp ranks worse than 62.22% on this metric.
This valuation method assumes that the stock valuation will revert to its historical (10-Year) median in terms of PS Ratio. The reason we use PS Ratio instead of PE Ratio or PB Ratio is because PS Ratio is independent of profit margin, and can be applied to a broader range of situations.
Huron Valley Bancorp (OTCPK:HVLM) Median PS Value Explanation
This valuation method assumes that the stock valuation will revert to its historical (10-Year) mean in terms of PS Ratio. The reason we use PS Ratio instead of PE Ratio or PB Ratio
is because PS Ratio is independent of profit margin, and can be applied to a broader range of situations.
It also assumes that over time the profit margin is constant. If a company increases its profit margin to a sustainable level, this value might under-estimate its value. If it has permanent declined profit margins, this may over-estimate the company's value.
Huron Valley Bancorp's Price to Median PS Value for today is calculated as
Price to Median PS Value
=
Share Price
/
Median PS Value
=
36.25
/
29.26
=
1.24
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Huron Valley Bancorp Median PS Value Related Terms
Huron Valley Bancorp Median PS Value Historical Data
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The historical data trend for Huron Valley Bancorp's Median PS Value can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
HVLM vs GNRV, PWBK, JFWV: Median PS Value Comparison
For the Banks - Regional subindustry, Huron Valley Bancorp's Price-to-Median-PS-Value, along with its competitors' market caps and Price-to-Median-PS-Value data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Huron Valley Bancorp Price-to-Median-PS-Value vs Banks Industry
For the Banks industry and Financial Services sector, Huron Valley Bancorp's Price-to-Median-PS-Value distribution charts can be found below:
* The bar in red indicates where Huron Valley Bancorp's Price-to-Median-PS-Value falls into.
10-Year Median PS Ratio is 2.1913.
For company reported annually, GuruFocus uses latest annual data as the TTM data. Huron Valley Bancorp's Revenue per Share for the trailing twelve months (TTM) ended in Dec. 2025 was $13.353.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Huron Valley Bancorp (HVLM) has a Median PS Value of $29.26 as of Aug. 16, 2026. Median price-sales value is the stock value based on a company's 10-year median price-sales ratio, View historical data on Huron Valley Bancorp and its competitors. This is 2797% above median its historical median of 1.01. Over the past decade, Huron Valley Bancorp's Median PS Value has ranged from 1.00 to 1.24. According to the industry distribution chart, Huron Valley Bancorp ranks #657 out of 1056 companies in the Banks industry, placing it in the top 62.2%.
Is Huron Valley Bancorp's Median PS Value too high?
Huron Valley Bancorp's current Median PS Value of $29.26 is 2797% above median its 10-year median of 1.01. Over the past 10 years, this metric has ranged from a low of 1.00 to a high of 1.24. The Banks industry median Median PS Value is 1.13. Huron Valley Bancorp's value of $29.26 is 2489.4% above this industry median. Based on the distribution chart, Huron Valley Bancorp ranks #657 out of 1056 companies in the Banks industry, which is below the industry midpoint. Overall, Huron Valley Bancorp has a GF Score™ of 65/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Huron Valley Bancorp's Median PS Value compare to GNRV and PWBK?
According to the Banks industry distribution chart, Huron Valley Bancorp ranks #657 out of 1056 companies for Median PS Value. This places Huron Valley Bancorp in the lower half of its industry. The industry median Median PS Value is 1.13. Huron Valley Bancorp's value of $29.26 is 2489.4% above this benchmark. Historically, Huron Valley Bancorp's own Median PS Value has ranged from 1.00 to 1.24 over the past decade. While the company's 10-year median is 1.01 vs. the industry median of 1.13, Huron Valley Bancorp has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Median PS Value for a Banks company?
The median Median PS Value among Banks companies is 1.13, based on 1,056 companies in the industry. Companies in the top quartile (top 25%) have a Median PS Value significantly above this median, while those in the bottom quartile fall well below. However, Median PS Value should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Huron Valley Bancorp's current Median PS Value of $29.26 is 2489.4% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Median PS Value mean?
A high Median PS Value can signal that a stock is expensive relative to its fundamentals. Median price-sales value is the stock value based on a company's 10-year median price-sales ratio, View historical data on Huron Valley Bancorp and its competitors. For the Banks industry, the median Median PS Value is 1.13 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Huron Valley Bancorp's current Median PS Value is $29.26, which is 2797% above median its own 10-year median of 1.01. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Huron Valley Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Huron Valley Bancorp (HVLM) is currently considered Modestly Overvalued. The stock's GF Value™ is $32.70, compared to a current price of $36.25 — trading 10.9% above its estimated fair value. The current Median PS Value is $29.26, which is 2797% above median its 10-year median of 1.01 and 2489.4% above the Banks industry median of 1.13. Huron Valley Bancorp's overall GF Score™ is 65/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Median PS Value calculated?
Median PS Value is calculated from a company's financial statements. For Huron Valley Bancorp (HVLM), the current Median PS Value is $29.26 as of Aug. 16, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Huron Valley Bancorp (HVLM) Overvalued in 2026?
Based on GuruFocus' analysis, Huron Valley Bancorp stock appears to be overvalued.
The current stock price of $36.25 is trading 10.9% above its estimated GF Value™ of $32.70.
GuruFocus considers Huron Valley Bancorp to be Modestly Overvalued.
Key valuation signals for HVLM:
Median PS Value: $29.26 (2797% above median its 10-year median of 1.01)
GF Value™: $32.70 vs. price of $36.25 (10.9% above fair value)
Industry Position: 2489.4% above the Banks median (#657 of 1056)
No single metric tells the full story. See the HVLM stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Huron Valley Bancorp Inc is a bank holding company. The company is engaged in the business of general commercial and retail banking. The bank offers a variety of deposit products, including checking accounts, savings accounts, time deposits, and short-term deposits. The bank provides lending activities in the residential and commercial mortgage market, general commercial market, and consumer installment marketplace.
65GF Score
Get the complete analysis for HVLM
Median PS Value is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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