HVLM (Huron Valley Bancorp) ROC %: % (As of Dec. 2025)

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Director of Data and Quant Analytics at GuruFocus
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.
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Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
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.

HVLM Huron Valley Bancorp Inc HVLM
65 GF Score
Price $36.25
GF Value $32.70
Valuation Modestly Overvalued
! 6 Warning Signs
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What is Huron Valley Bancorp ROC %?

Huron Valley Bancorp HVLM 65 ROC % is % as of Dec. 2025. 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.

ROC %does not apply to banks.

HVLM
65GF Score
Huron Valley Bancorp Inc HVLM
ROC % is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about ROC % →
What does a ROC % of % mean?
Huron Valley Bancorp (HVLM) has a ROC % of % as of Dec. 2025. Return on capital is the ratio of current-period net income to average two-period capital. View historical data on Huron Valley Bancorp and its competitors.
Is Huron Valley Bancorp's ROC % too high?
Huron Valley Bancorp's current ROC % is %. 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 ROC % compare to GNRV and PWBK?
Huron Valley Bancorp's ROC % of % can be compared against companies in the Banks industry. The industry median ROC % is 1.76. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROC % for a Banks company?
The median ROC % among Banks companies is 1.76, based on 47 companies in the industry. Companies in the top quartile (top 25%) have a ROC % significantly above this median, while those in the bottom quartile fall well below. However, ROC % 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 ROC % mean?
A high ROC % can signal that a stock is expensive relative to its fundamentals. Return on capital is the ratio of current-period net income to average two-period capital. View historical data on Huron Valley Bancorp and its competitors. For the Banks industry, the median ROC % is 1.76 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Huron Valley Bancorp's current ROC % is %. 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 ROC % is %. 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 ROC % calculated?
ROC % is calculated from a company's financial statements. For Huron Valley Bancorp (HVLM), the current ROC % is % 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:

  • ROC %: %
  • GF Value™: $32.70 vs. price of $36.25 (10.9% above fair value)
  • GF Score™: 65/100 with 6 warning signs

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 Business Description

Address 130 S. Milford Road, Milford, MI, USA, 48381
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

ROC % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$36.25
Price
$32.70
GF Value