Grand River Commerce, Inc. (GNRV)
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No price history available.
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total net revenue | $m | 16 | 17 | 16 | 13 | 13 | 13 | 13 | - |
| Operating profit | $m | 1 | 1 | ||||||
| Net profit | $m | 3 | 3 | -2 | -7 | -1 | 1 | 1 | - |
| EPS reported | $ | 0.09 | 0.12 | ||||||
| Operating cashflow per share | $ | 0.16 | 0.00 | ||||||
| Capex per share | $ | 0.01 | 0.00 | ||||||
| FCF per share | $ | 0.15 | 0.00 | ||||||
| Free cash flow | $m | 1 | 0 | ||||||
| Net debt | $m | -13 | -33 | ||||||
| Book value equity | $m | 36 | 37 | ||||||
| Book value per share | $ | 5.16 | 5.21 | ||||||
| Number of shares | m | 7.04 | 7.04 | ||||||
| DPS (TTM paid) | $ | 0.00 | 0.00 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 42.15 | 43.62 | ||||||
| P/B LTM | x | 0.74 | 0.73 | ||||||
| P/S LTM | x | 2.03 | 1.99 | ||||||
| P/FCF LTM | x | 25.57 | 0.00 | ||||||
| EV/EBITDA LTM | x | 12.65 | 16.86 | ||||||
| EV/Sales LTM | x | 0.54 | 0.80 | ||||||
| Earnings Yield LTM | % | +2.37% | +2.29% | ||||||
| FCF Yield | % | +3.91% | 0.00% | ||||||
| Quality | |||||||||
| ROE | % | +1.75% | +2.64% | ||||||
| ROIC | % | +0.12% | +0.95% | ||||||
| Operating margin | % | +2.98% | +3.23% | ||||||
| Gross margin | % | +49.09% | +49.25% | ||||||
| FCF/Sales | % | +3.82% | 0.00% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | - | - | ||||||
| Sales Growth YoY | % | +0.11% | +1.84% | ||||||
| Net Income Growth YoY | % | - | - | ||||||
| FCF Growth | % | -54.65% | -100.00% | ||||||
| Operating Profit Growth | % | - | - | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | 0.00% | 0.00% | ||||||
| Dividend Growth | % | - | - | ||||||
| Payout Ratio | % | 0.00% | 0.00% | ||||||
| FCF/Debt | x | 0.03 | 0.00 | ||||||
| Net Debt/EBITDA | x | -10.41 | -16.89 | ||||||
| EBIT/Net interest | x | 0.06 | 0.06 | ||||||
| Net debt/market cap | % | +1.25% | +90.77% | ||||||
| Net debt/Equity | x | -0.36 | -0.91 | ||||||
| Gross debt/equity | x | 0.95 | 0.63 | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
Grand River Commerce, Inc. serves as the holding company for Grand River Bank, which delivers a diverse array of financial products and services to businesses, professionals, and private individuals. Its operations are structured across three key segments: Commercial Real Estate, Commercial and Industrial, and Consumer. Customers can access various deposit options, including interest-bearing and non-interest-bearing checking accounts, savings accounts, and time deposits. The bank also provides financing solutions for residential lots, land, and construction projects. The company's extensive lending portfolio encompasses real estate mortgages; commercial, industrial, and commercial term loans; home equity term loans; and financing for vehicles like cars, boats, motorcycles, and RVs. It further extends commercial and home equity lines of credit, along with SBA lending programs. Additionally, Grand River Bank offers specialized financing, such as Federal Housing Administration, rural development, bridge, physician, doctor, and dentist loans. Beyond traditional banking, the institution provides digital conveniences like online banking, bill pay, and mobile banking, complemented by refinancing services and debit and credit card access. Founded in 2006 and headquartered in Grandville, Michigan, the company serves clients across Grandville, Grand Rapids, and the broader Kent and Ottawa counties of Michigan.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
Grand River Commerce, Inc. (GNRV)
No price history available.
Not enough data to calculate KvantraRank
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
Grand River Commerce, Inc. serves as the holding company for Grand River Bank, which delivers a diverse array of financial products and services to businesses, professionals, and private individuals. Its operations are structured across three key segments: Commercial Real Estate, Commercial and Industrial, and Consumer. Customers can access various deposit options, including interest-bearing and non-interest-bearing checking accounts, savings accounts, and time deposits. The bank also provides financing solutions for residential lots, land, and construction projects. The company's extensive lending portfolio encompasses real estate mortgages; commercial, industrial, and commercial term loans; home equity term loans; and financing for vehicles like cars, boats, motorcycles, and RVs. It further extends commercial and home equity lines of credit, along with SBA lending programs. Additionally, Grand River Bank offers specialized financing, such as Federal Housing Administration, rural development, bridge, physician, doctor, and dentist loans. Beyond traditional banking, the institution provides digital conveniences like online banking, bill pay, and mobile banking, complemented by refinancing services and debit and credit card access. Founded in 2006 and headquartered in Grandville, Michigan, the company serves clients across Grandville, Grand Rapids, and the broader Kent and Ottawa counties of Michigan.
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