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GNRV

Grand River Commerce, Inc.

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Price alert · GNRV

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5.69 USD +0.03 +0.53%
As of Oct 30, 2026
5.69 Day range 5.69
3.65 52-week range 5.69
YTD
+49.34%
1 year
+55.89%
Open
5.69
Prev close
5.66
Mkt cap
40.05M
Vol
100
Avg vol
906
EPS
0.10
P/E
56.90
More statistics
Low
5.69
High
5.69

5D chart

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Financial health

Altman Z-Score

-0.82 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

6 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

C2 / 5 overall

  • DCF 2
  • Return on Equity 1
  • Return on Assets 1
  • Debt / Equity 3
  • P/E 1
  • P/B 3

Valuation

P/E 42.1×
FY 2016: 9.5×FY 2017: 98.8×FY 2018: 36.7×FY 2019: 25.0×FY 2020: 11.2×FY 2021: 15.3×FY 2022: -17.7×FY 2023: -3.3×FY 2024: -38.4×FY 2025: 42.1×
FY 2016 5y median -3.3× FY 2025
P/S 1.0×
FY 2016: 2.7×FY 2017: 4.0×FY 2018: 3.9×FY 2019: 2.6×FY 2020: 1.8×FY 2021: 2.6×FY 2022: 1.9×FY 2023: 0.9×FY 2024: 0.7×FY 2025: 1.0×
FY 2016 5y median 1.0× FY 2025
P/B 0.7×
FY 2016: 1.1×FY 2017: 1.1×FY 2018: 1.2×FY 2019: 1.0×FY 2020: 0.8×FY 2021: 1.1×FY 2022: 0.9×FY 2023: 0.7×FY 2024: 0.6×FY 2025: 0.7×
FY 2016 5y median 0.7× FY 2025
P/FCF 25.6×
FY 2016: 9.6×FY 2017: 14.2×FY 2018: 37.9×FY 2019: -51.4×FY 2020: 73.8×FY 2021: 5.6×FY 2022: -18.7×FY 2023: -2.2×FY 2024: 8.7×FY 2025: 25.6×
FY 2016 5y median 5.6× FY 2025
EV/EBITDA 12.7×
FY 2016: 18.3×FY 2017: 26.5×FY 2018: 20.2×FY 2019: 18.1×FY 2020: -6.6×FY 2021: -4.5×FY 2022: 6.5×FY 2023: -50.7×FY 2024: -311×FY 2025: 12.7×
FY 2016 5y median -4.5× FY 2025
EV/Sales 0.5×
FY 2016: 2.1×FY 2017: 4.2×FY 2018: 3.1×FY 2019: 2.6×FY 2020: -1.4×FY 2021: -1.1×FY 2022: 0.7×FY 2023: 2.0×FY 2024: 1.6×FY 2025: 0.5×
FY 2016 5y median 0.7× FY 2025
FCF Yield 3.9%
FY 2016: 10.4%FY 2017: 7.0%FY 2018: 2.6%FY 2019: -1.9%FY 2020: 1.4%FY 2021: 17.8%FY 2022: -5.3%FY 2023: -44.9%FY 2024: 11.5%FY 2025: 3.9%
FY 2016 5y median 3.9% FY 2025

Profitability

Gross Margin 49.1%
FY 2016: 82.1%FY 2017: 81.5%FY 2018: 75.6%FY 2019: 67.7%FY 2020: 72.2%FY 2021: 86.0%FY 2022: 74.3%FY 2023: 49.8%FY 2024: 46.2%FY 2025: 49.1%
FY 2016 5y median 49.8% FY 2025
Operating Margin 3.0%
FY 2016: 9.9%FY 2017: 14.0%FY 2018: 13.6%FY 2019: 13.1%FY 2020: 20.0%FY 2021: 22.0%FY 2022: 8.7%FY 2023: -5.6%FY 2024: -1.9%FY 2025: 3.0%
FY 2016 5y median 3.0% FY 2025
Net Margin 2.3%
FY 2016: 28.5%FY 2017: 4.2%FY 2018: 10.7%FY 2019: 10.3%FY 2020: 15.6%FY 2021: 17.2%FY 2022: -10.9%FY 2023: -27.4%FY 2024: -1.8%FY 2025: 2.3%
FY 2016 5y median -1.8% FY 2025
ROE 1.8%
FY 2016: 11.6%FY 2017: 1.1%FY 2018: 3.2%FY 2019: 3.9%FY 2020: 7.2%FY 2021: 7.3%FY 2022: -5.1%FY 2023: -20.5%FY 2024: -1.5%FY 2025: 1.8%
FY 2016 5y median -1.5% FY 2025
ROIC 0.1%
FY 2016: 3.3%FY 2017: 0.9%FY 2018: 2.6%FY 2019: 3.1%FY 2020: 4.5%FY 2021: 5.7%FY 2022: 2.1%FY 2023: -1.4%FY 2024: -0.5%FY 2025: 0.1%
FY 2016 5y median 0.1% FY 2025
ROA 0.1%
FY 2016: 1.3%FY 2017: 0.2%FY 2018: 0.4%FY 2019: 0.5%FY 2020: 0.7%FY 2021: 0.7%FY 2022: -0.4%FY 2023: -1.3%FY 2024: -0.1%FY 2025: 0.1%
FY 2016 5y median -0.1% FY 2025

Growth (YoY)

Revenue -6.5%
FY 2016: 29.2%FY 2017: 6.0%FY 2018: 16.9%FY 2019: 35.0%FY 2020: 29.5%FY 2021: -0.7%FY 2022: 3.8%FY 2023: 33.1%FY 2024: 10.4%FY 2025: -6.5%
FY 2016 FY 2025
Operating Income 248.5%
FY 2016: 74.1%FY 2017: 50.2%FY 2018: 13.1%FY 2019: 30.5%FY 2020: 97.1%FY 2021: 9.6%FY 2022: -59.1%FY 2023: -186.5%FY 2024: 63.3%FY 2025: 248.5%
FY 2016 FY 2025
EPS (diluted) 221.7%
FY 2016: 536.2%FY 2017: -89.5%FY 2018: 183.3%FY 2019: 29.4%FY 2020: 95.5%FY 2021: 9.3%FY 2022: -166.0%FY 2023: -235.5%FY 2024: 92.9%FY 2025: 221.7%
FY 2016 FY 2025
Free Cash Flow -54.6%
FY 2016: 1520.1%FY 2017: 6.3%FY 2018: -57.6%FY 2019: -165.6%FY 2020: 161.3%FY 2021: 1854.0%FY 2022: -122.7%FY 2023: -431.6%FY 2024: 121.3%FY 2025: -54.6%
FY 2016 FY 2025

Financial Health

Current Ratio 173×
FY 2016: 0.1×FY 2017: 0.1×FY 2018: 0.1×FY 2019: 0.1×FY 2020: 0.2×FY 2021: 0.2×FY 2022: 0.1×FY 2023: 0.1×FY 2024: 0.1×FY 2025: 173×
FY 2016 5y median 0.1× FY 2025
Quick Ratio 173×
FY 2016: 0.1×FY 2017: 0.1×FY 2018: 0.1×FY 2019: 0.1×FY 2020: 0.2×FY 2021: 0.2×FY 2022: 0.1×FY 2023: 0.1×FY 2024: 0.1×FY 2025: 173×
FY 2016 5y median 0.1× FY 2025
Debt / Equity 1.0×
FY 2016: 0.2×FY 2017: 0.4×FY 2018: 0.2×FY 2019: 0.5×FY 2020: 0.3×FY 2021: 0.3×FY 2022: 0.5×FY 2023: 1.4×FY 2024: 1.5×FY 2025: 1.0×
FY 2016 5y median 1.0× FY 2025
Net Debt / EBITDA -10.4×
FY 2016: -5.0×FY 2017: 1.0×FY 2018: -5.4×FY 2019: 0.0×FY 2020: -15.0×FY 2021: -15.7×FY 2022: -10.4×FY 2023: -27.2×FY 2024: -180×FY 2025: -10.4×
FY 2016 5y median -15.7× FY 2025
Interest Coverage 0.1×
FY 2016: 0.7×FY 2017: 0.9×FY 2018: 0.6×FY 2019: 0.5×FY 2020: 1.0×FY 2021: 1.7×FY 2022: 0.4×FY 2023: -0.1×FY 2024: -0.0×FY 2025: 0.1×
FY 2016 5y median 0.1× FY 2025

Dividends

Dividend Yield 0.0%
FY 2016: 0.0%FY 2017: 0.0%FY 2018: 0.0%FY 2019: 0.0%FY 2020: 0.0%FY 2021: 0.0%FY 2022: 0.0%FY 2023: 0.0%FY 2024: 0.0%FY 2025: 0.0%
FY 2016 5y median 0.0% FY 2025
Payout Ratio 0.0%
FY 2016: 0.0%FY 2017: 0.0%FY 2018: 0.0%FY 2019: 0.0%FY 2020: 0.0%FY 2021: 0.0%FY 2022: 0.0%FY 2023: 0.0%FY 2024: 0.0%FY 2025: 0.0%
FY 2016 5y median 0.0% FY 2025

Annual · latest fiscal year ends 2025-12-31