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Huron Valley Bancorp, Inc.
HVLMFinancial ServicesOTCUS
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Estimates, scoring, valuation assumptions, and peer comparison in one research surface.
Change the assumptions to see how revenue growth, margins, and exit multiples can move fair value.
| Year | Revenue | Margin | Profit | Free cash flow | Present value |
|---|---|---|---|---|---|
| 2026 | $15.66M | 18.4% | $2.88M | $2.82M | N/A |
| 2027 | $17.22M | 18.4% | $3.17M | $3.10M | $2.82M |
| 2028 | $18.95M | 18.4% | $3.49M | $3.41M | $2.82M |
| 2029 | $20.84M | 18.4% | $3.83M | $3.75M | $2.82M |
| 2030 | $22.92M | 18.4% | $4.22M | $4.13M | $2.82M |
| 2031 | $25.22M | 18.4% | $4.64M | $4.54M | $2.82M |
Projects EPS forward, applies an exit P/E, then discounts the result back to today.
| Base EPS | $3.29 | 2025-12-31 |
| EPS growth | +3.8% | Forecast years: 5 |
| Future EPS | $3.964 | EPS × (1 + G)^5 |
| Base P/E | 8.9 | P/E |
| Future price | $35.284 | Future EPS × P/E |
| Fair value today | $21.908 | PV @ 10.0% |
| 30% safety price | $15.336 | Margin of safety |
| 50% safety price | $10.954 | Margin of safety |
| Discount rate \\ Terminal growth | 1.5% | 2.5% | 3.5% |
|---|---|---|---|
| 9.0% | $87.473 | $96.71 | $109.31 |
| 10.0% | $78.144 | $84.954 | $93.859 |
| 11.0% | $70.79 | $75.975 | $82.543 |