Huron Valley Bancorp (HVLM) Ratios
Huron Valley Bancorp Ratios
HVLM's free cash flow for Q1 2025 was $0.00. For the 2025 fiscal year, HVLM's free cash flow was increased by $0.00 and operating cash flow was $0.00. See a summary of the company’s cash flow.
| Ratios | Dec 25 | Dec 24 | Dec 23 | Dec 22 | Dec 21 |
|---|---|---|---|---|---|
| Liquidity Ratios | |||||
| Current Ratio | 0.06 | 0.32 | 0.19 | 0.50 | 0.75 |
| Quick Ratio | 0.06 | 0.32 | 0.19 | 0.50 | 0.75 |
| Cash Ratio | 0.06 | 0.32 | 0.19 | 0.50 | 0.74 |
| Solvency Ratio | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 |
| Operating Cash Flow Ratio | 0.01 | 0.04 | 0.02 | 0.03 | 0.02 |
| Short-Term Operating Cash Flow Coverage | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Current Asset Value | $ -230.34M | $ -195.55M | $ -187.59M | $ -157.64M | $ -134.85M |
| Leverage Ratios | |||||
| Debt-to-Assets Ratio | 0.02 | 0.01 | 0.01 | 0.01 | 0.01 |
| Debt-to-Equity Ratio | 0.19 | 0.09 | 0.10 | 0.10 | 0.09 |
| Debt-to-Capital Ratio | 0.16 | 0.08 | 0.09 | 0.09 | 0.08 |
| Long-Term Debt-to-Capital Ratio | 0.16 | 0.08 | 0.09 | 0.09 | 0.08 |
| Financial Leverage Ratio | 10.02 | 10.38 | 11.17 | 12.50 | 13.60 |
| Debt Service Coverage Ratio | 0.77 | -0.19 | 0.90 | 3.54 | 5.53 |
| Interest Coverage Ratio | 0.92 | 0.98 | 1.08 | 4.12 | 6.46 |
| Debt to Market Cap | 0.19 | 0.09 | 0.10 | 0.10 | 0.10 |
| Interest Debt Per Share | 10.26 | 6.74 | 5.72 | 2.78 | 2.25 |
| Net Debt to EBITDA | -2.11 | 0.00 | -6.56 | -18.60 | -29.93 |
| Profitability Margins | |||||
| Gross Profit Margin | 74.62% | 100.00% | 102.43% | 93.16% | 94.97% |
| EBIT Margin | 23.27% | -1.82% | 33.68% | 28.16% | 32.48% |
| EBITDA Margin | 24.42% | 0.00% | 35.21% | 30.10% | 34.63% |
| Operating Profit Margin | 23.27% | 36.14% | 33.68% | 28.16% | 32.48% |
| Pretax Profit Margin | 23.27% | 33.21% | 33.68% | 28.16% | 32.48% |
| Net Profit Margin | 18.38% | 26.24% | 26.62% | 22.28% | 25.67% |
| Continuous Operations Profit Margin | 18.38% | 26.24% | 26.62% | 22.28% | 25.67% |
| Net Income Per EBT | 78.98% | 79.02% | 79.03% | 79.10% | 79.03% |
| EBT Per EBIT | 100.00% | 91.90% | 100.00% | 100.00% | 100.00% |
| Return on Assets (ROA) | 1.06% | 1.13% | 1.09% | 0.87% | 0.86% |
| Return on Equity (ROE) | 10.67% | 11.76% | 12.13% | 10.91% | 11.73% |
| Return on Capital Employed (ROCE) | 10.92% | 2.36% | 3.09% | 2.02% | 2.09% |
| Return on Invested Capital (ROIC) | 8.62% | 1.86% | 2.44% | 1.60% | 1.65% |
| Return on Tangible Assets | 1.06% | 1.13% | 1.09% | 3.44% | 2.26% |
| Earnings Yield | 11.19% | 11.90% | 12.30% | 11.47% | 12.57% |
| Efficiency Ratios | |||||
| Receivables Turnover | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Payables Turnover | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Inventory Turnover | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Fixed Asset Turnover | 2.25 | 1.38 | 2.28 | 2.13 | 1.86 |
| Asset Turnover | 0.06 | 0.04 | 0.04 | 0.04 | 0.03 |
| Working Capital Turnover Ratio | -0.11 | -0.13 | -0.12 | -0.22 | -0.24 |
| Cash Conversion Cycle | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Days of Sales Outstanding | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Days of Inventory Outstanding | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Days of Payables Outstanding | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Operating Cycle | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Cash Flow Ratios | |||||
| Operating Cash Flow Per Share | 3.32 | 3.76 | 3.54 | 3.13 | 2.93 |
| Free Cash Flow Per Share | 3.22 | -0.45 | 3.42 | 3.05 | 2.81 |
| Dividend Paid and CapEx Coverage Ratio | 35.38 | 0.89 | 16.08 | 17.52 | 14.16 |
| Capital Expenditure Coverage Ratio | 35.38 | 0.89 | 29.12 | 39.36 | 23.16 |
| Operating Cash Flow Coverage Ratio | 0.58 | 1.63 | 1.52 | 1.51 | 1.64 |
| Operating Cash Flow to Sales Ratio | 0.19 | 0.31 | 0.33 | 0.30 | 0.32 |
| Free Cash Flow Yield | 10.97% | -1.69% | 14.54% | 15.24% | 14.98% |
| Valuation Ratios | |||||
| Price-to-Earnings (P/E) Ratio | 8.94 | 8.39 | 8.13 | 8.72 | 7.96 |
| Price-to-Sales (P/S) Ratio | 1.64 | 2.20 | 2.16 | 1.94 | 2.04 |
| Price-to-Book (P/B) Ratio | 0.95 | 0.99 | 0.99 | 0.95 | 0.93 |
| Price-to-Free Cash Flow (P/FCF) Ratio | 9.12 | -59.10 | 6.88 | 6.56 | 6.68 |
| Price-to-Operating Cash Flow Ratio | 8.86 | 7.07 | 6.64 | 6.39 | 6.39 |
| Price-to-Earnings Growth (PEG) Ratio | 2.36 | 0.87 | 0.31 | -2.94 | 0.23 |
| Enterprise Value Multiple | 4.62 | 0.00 | -0.41 | -12.15 | -24.03 |
| Enterprise Value | 17.65M | -784.16K | -1.37M | -32.68M | -66.33M |
| EV to EBITDA | 4.62 | 0.00 | -0.41 | -12.15 | -24.03 |
| EV to Sales | 1.13 | -0.07 | -0.14 | -3.66 | -8.32 |
| EV to Free Cash Flow | 6.26 | 1.99 | -0.46 | -12.34 | -27.21 |
| EV to Operating Cash Flow | 6.08 | -0.24 | -0.44 | -12.03 | -26.03 |
| Tangible Book Value Per Share | 30.85 | 26.92 | 23.83 | 21.02 | 20.08 |
| Shareholders’ Equity Per Share | 30.85 | 26.92 | 23.83 | 21.02 | 20.08 |
| Tax and Other Ratios | |||||
| Effective Tax Rate | 0.21 | 0.21 | 0.21 | 0.21 | 0.21 |
| Revenue Per Share | 17.91 | 12.07 | 10.86 | 10.29 | 9.18 |
| Net Income Per Share | 3.29 | 3.17 | 2.89 | 2.29 | 2.36 |
| Tax Burden | 0.79 | 0.79 | 0.79 | 0.79 | 0.79 |
| Interest Burden | 1.00 | -18.22 | 1.00 | 1.00 | 1.00 |
| Research & Development to Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| SG&A to Revenue | 0.35 | 0.54 | 0.09 | 0.10 | 0.10 |
| Stock-Based Compensation to Revenue | 0.00 | 0.01 | 0.00 | 0.00 | 0.00 |
| Income Quality | 1.01 | 1.19 | 1.22 | 1.36 | 1.25 |
Currency in USD
