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Huron Valley BancorpHVLM 65 Net Margin % is 24.63% as of Dec. 2025, which is 2% below its 10-year median of 25.21. 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 1,528 Banks companies, Huron Valley Bancorp ranks worse than 58.38% on this metric.
Huron Valley Bancorp (OTCPK:HVLM) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Huron Valley Bancorp Net Margin % Related Terms
Huron Valley Bancorp Net Margin % Historical Data
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The historical data trend for Huron Valley Bancorp's Net Margin % 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.
For the Banks - Regional subindustry, Huron Valley Bancorp's Net Margin %, along with its competitors' market caps and Net Margin % 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 Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Huron Valley Bancorp's Net Margin % distribution charts can be found below:
* The bar in red indicates where Huron Valley Bancorp's Net Margin % falls into.
* 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 Net Margin % of 24.63% as of Dec. 2025. Net margin is the ratio of total net income to net sales. View historical data on Huron Valley Bancorp and its competitors. This is near median its historical median of 25.21. Over the past decade, Huron Valley Bancorp's Net Margin % has ranged from 19.76 to 27.03. According to the industry distribution chart, Huron Valley Bancorp ranks #892 out of 1528 companies in the Banks industry, placing it in the top 58.4%.
Is Huron Valley Bancorp's Net Margin % too high?
Huron Valley Bancorp's current Net Margin % of 24.63% is near median its 10-year median of 25.21. Over the past 10 years, this metric has ranged from a low of 19.76 to a high of 27.03. The Banks industry median Net Margin % is 27.20. Huron Valley Bancorp's value of 24.63% is 9.4% below this industry median. Based on the distribution chart, Huron Valley Bancorp ranks #892 out of 1528 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 Net Margin % compare to GNRV and PWBK?
According to the Banks industry distribution chart, Huron Valley Bancorp ranks #892 out of 1528 companies for Net Margin %. This places Huron Valley Bancorp in the lower half of its industry. The industry median Net Margin % is 27.20. Huron Valley Bancorp's value of 24.63% is 9.4% below this benchmark. Historically, Huron Valley Bancorp's own Net Margin % has ranged from 19.76 to 27.03 over the past decade. While the company's 10-year median is 25.21 vs. the industry median of 27.20, Huron Valley Bancorp has consistently been below 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 Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 27.20, based on 1,528 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Huron Valley Bancorp's current Net Margin % of 24.63% is 9.4% below 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Huron Valley Bancorp and its competitors. For the Banks industry, the median Net Margin % is 27.20 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Huron Valley Bancorp's current Net Margin % is 24.63%, which is near median its own 10-year median of 25.21. 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 Margin % is 24.63%, which is near median its 10-year median of 25.21 and 9.4% below the Banks industry median of 27.20. 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 Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Huron Valley Bancorp (HVLM), the current Net Margin % is 24.63% 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 Margin %: 24.63% (near median its 10-year median of 25.21)
GF Value™: $32.70 vs. price of $36.25 (10.9% above fair value)
Industry Position: 9.4% below the Banks median (#892 of 1528)
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
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Net Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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