` HVLM (Huron Valley State Bank) vs CPI (Capitec Bank Holdings Ltd) Comparison - Alpha Spread

HVLM
vs
C
CPI

Over the past 12 months, HVLM has underperformed CPI, delivering a return of +32% compared to the CPI's +43% growth.

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HVLM
CPI
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Valuation Comparison

HVLM Intrinsic Value
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CPI Intrinsic Value
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Company Last Price Intrinsic Value DCF Value Multiples-Based Value Wall St Target
Huron Valley State Bank
OTC:HVLM
36 USD
C
Capitec Bank Holdings Ltd
JSE:CPI
442 515 Zac
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Valuation Scenario:
Bear Case
Base Case
Bull Case

Growth Comparison

Growth Over Time
HVLM, CPI

HVLM
CPI
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Revenue
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Company LTM Historical Growth Growth Streak % Positive Years Max Drawdown Volatility Forecasted Growth
3 Years 5 Years 10 Years 1 Year 3 Years
Huron Valley State Bank
Revenue
C
Capitec Bank Holdings Ltd
Revenue

All metrics are calculated based on data from the last 10 years.

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Profitability Comparison

Free Cash Flow
HVLM, CPI

HVLM
CPI
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Free Cash Flow
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Company LTM Average Historical Growth FCF Margin Conversion
3 Years 5 Years 3 Years 5 Years 10 Years
Huron Valley State Bank
OTC:HVLM
C
Capitec Bank Holdings Ltd
JSE:CPI
FCF is not applicable for financial companies
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What is Free Cash Flow?

Gross Margin

HVLM
0%
CPI
LTM 3Y Avg 5Y Avg 10Y Avg
Huron Valley State Bank
C
Capitec Bank Holdings Ltd
Not applicable for financial companies

Operating Margin

HVLM
0%
CPI
LTM 3Y Avg 5Y Avg 10Y Avg
Huron Valley State Bank
C
Capitec Bank Holdings Ltd
Not applicable for financial companies

Net Margin

HVLM
0%
CPI
24.6%

FCF Margin

HVLM
0%
CPI
LTM 3Y Avg 5Y Avg 10Y Avg
Huron Valley State Bank
C
Capitec Bank Holdings Ltd
Not applicable for financial companies

ROE

HVLM
0%
CPI
30.7%

ROA

HVLM
0%
CPI
6.5%

ROIC

HVLM
0%
CPI
LTM 3Y Avg 5Y Avg 10Y Avg
Huron Valley State Bank
C
Capitec Bank Holdings Ltd
Not applicable for financial companies

ROCE

HVLM
0%
CPI
LTM 3Y Avg 5Y Avg 10Y Avg
Huron Valley State Bank
C
Capitec Bank Holdings Ltd
Not applicable for financial companies

Solvency Comparison

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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
HVLM, CPI

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Performance Gap
HVLM, CPI

Performance Gap Between HVLM and CPI
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Performance By Year
HVLM, CPI

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HVLM
CPI
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Compare HVLM to other stocks
SBK
Standard Bank Group Ltd
S
Cheaper
vs HVLM
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F
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vs HVLM
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Cheaper
vs HVLM
BAC
Bank of America Corp
Cheaper
vs HVLM
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Intrinsic Value is all-important and is the only logical way to evaluate the relative attractiveness of investments and businesses.

Warren Buffett