Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Net Interest Margin (Bank Only) % is a measure of the difference between the interest income generated by banks or other financial institutions and the amount of interest paid out to their lenders (for example, deposits), relative to the amount of their interest-earning assets. It is usually calculated as a percentage of what the financial institution earns on loans in a time period and other assets minus the interest paid on borrowed funds divided by the average amount of the assets on which it earned income in that time period (the average earning assets).
Huron Valley Bancorp (OTCPK:HVLM) Net Interest Margin (Bank Only) % Explanation
The negative value of Net Interest Margin (Bank Only) % mean the firm pays more interest for its debt than the interest revenue generated from its investment.
Huron Valley Bancorp Net Interest Margin (Bank Only) % Related Terms
Huron Valley Bancorp Net Interest Margin (Bank Only) % Historical Data
* Premium members only.
The historical data trend for Huron Valley Bancorp's Net Interest Margin (Bank Only) % 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.
Huron Valley Bancorp Net Interest Margin (Bank Only) % Chart
HVLM vs GNRV, PWBK, JFWV: Net Interest Margin (Bank Only) % Comparison
For the Banks - Regional subindustry, Huron Valley Bancorp's Net Interest Margin (Bank Only) %, along with its competitors' market caps and Net Interest Margin (Bank Only) % 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 Net Interest Margin (Bank Only) % vs Banks Industry
For the Banks industry and Financial Services sector, Huron Valley Bancorp's Net Interest Margin (Bank Only) % distribution charts can be found below:
* The bar in red indicates where Huron Valley Bancorp's Net Interest Margin (Bank Only) % falls into.
Huron Valley Bancorp Net Interest Margin (Bank Only) % Calculation
Net Interest Margin (Bank Only) % (NIM) is a measure of the difference between the interest income generated by banks or other financial institutions and the amount of interest paid out to their lenders (for example, deposits), relative to the amount of their interest-earning assets. It is usually calculated as a percentage of what the financial institution earns on loans in a time period and other assets minus the interest paid on borrowed funds divided by the average amount of the assets on which it earned income in that time period (the average earning assets).
Huron Valley Bancorp's annualized Net Interest Margin (Bank Only) % for the fiscal year that ended in Dec. 2025 is calculated as
* 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.
In the calculation of annual Net Interest Margin (Bank Only) %, the Net Interest Income (for Banks) of the last fiscal year and the average earning assets over the fiscal year are used. In calculating the quarterly data,
the Net Interest Income (for Banks) data used here is one times the annual (Dec. 2025) net interest income data.
Net Interest Margin (Bank Only) % is displayed in the 30-year financial page for Banks.
What does a Net Interest Margin (Bank Only) % of 4.95% mean?
Huron Valley Bancorp (HVLM) has a Net Interest Margin (Bank Only) % of 4.95% as of Dec. 2025. Net interest margin is the ratio of a bank's net interest income to its average two-period earning assets. View historical data on Huron Valley Bancorp and its competitors.
Is Huron Valley Bancorp's Net Interest Margin (Bank Only) % too high?
Huron Valley Bancorp's current Net Interest Margin (Bank Only) % is 4.95%. 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 Net Interest Margin (Bank Only) % compare to GNRV and PWBK?
Huron Valley Bancorp's Net Interest Margin (Bank Only) % of 4.95% can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Interest Margin (Bank Only) % for a Banks company?
A good Net Interest Margin (Bank Only) % depends on the Banks industry context. However, Net Interest Margin (Bank Only) % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Interest Margin (Bank Only) % mean?
A high Net Interest Margin (Bank Only) % can signal that a stock is expensive relative to its fundamentals. Net interest margin is the ratio of a bank's net interest income to its average two-period earning assets. View historical data on Huron Valley Bancorp and its competitors. Huron Valley Bancorp's current Net Interest Margin (Bank Only) % is 4.95%. 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 Net Interest Margin (Bank Only) % is 4.95%. 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 Net Interest Margin (Bank Only) % calculated?
Net Interest Margin (Bank Only) % is calculated from a company's financial statements. For Huron Valley Bancorp (HVLM), the current Net Interest Margin (Bank Only) % is 4.95% as of Dec. 2025. 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:
Net Interest Margin (Bank Only) %: 4.95%
GF Value™: $32.70 vs. price of $36.25 (10.9% above fair value)
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
Net Interest Margin (Bank Only) % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
HVLM has been successfully added to your 
