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Grand River Commerce, Inc. GNRV OTC

Other OTC • Financial Services • Banks - Regional • US • USD

SharesGrow Score

SharesGrow Intrinsic Value

Negative cash flow

Grand River Commerce, Inc. (GNRV) is a Banks - Regional company in the Financial Services sector, currently trading at $4.00. It has a SharesGrow Score of 40/100, indicating a mixed investment profile with 1 out of 7 criteria passed.

Financials: revenue is $27M, +32.7%/yr average growth. Net income is $636,000, growing at +26.2%/yr. Net profit margin is 2.3% (thin). Gross margin is 49.1% (-50.9 pp trend).

Balance sheet: total debt is $35M against $36M equity (Debt-to-Equity (D/E) ratio 0.95, moderate). Current ratio is 173.19 (strong liquidity). Debt-to-assets is 6.7%. Total assets: $517M.

SharesGrow 7-Criteria breakdown: Value 15/100 (Fail), Growth 100/100 (Pass), Past 25/100 (Fail), Health 50/100 (Partial), Moat 28/100 (Fail), Future ?/100 (Fail), Income 30/100 (Fail).

GNRV SharesGrow Score Overview

41/100

SharesGrow Score

Mixed signals — some strengths

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VALUE 15/100

Valuation — P/E, PEG, Forward PEG

GROWTH 100/100

Financials — average growth

PAST 25/100

strong — trend

HEALTH 50/100

Balance sheet — Debt-to-Equity (D/E) ratio, Current ratio is

MOAT 28/100

Gross margin is + market cap

FUTURE 0/100

Analyst outlook — as buy

INCOME 30/100

Net profit margin is

Scores derived from financial statements, analyst ratings, and balance sheet data.

Score Breakdown — GNRV

GNRV trades at a trailing Price-to-Earnings (P/E) of N/A (S&P 500 average ~25). Composite: Price-to-Earnings (20%) + Forward Price/Earnings-to-Growth (35%) + upside (25%) + trailing PEG (20%). ≥ 60 = Pass.

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GNRV: +32.7%/yr revenue is, +26.2%/yr Net income is average growth. > 5%/yr — strong. Score: >20%/yr = 100, >10% = 80, >5% = 65, >0% = 45, < 0 = 15.

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GNRV: 1 / 4 years profitable. weak. Score = 1 / 4 × 100. ≥ 80 = Pass.

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Balance sheet GNRV: Debt-to-Equity (D/E) ratio 0.95 (moderate), Current ratio is 173.19 (strong liquidity). Debt-to-Equity < 0.5, Current Ratio > 1.5, Interest Coverage > 8x = ideal. ≥ 70 = Pass.

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GNRV: Gross margin is 49.1% (-50.9 pp trend), N/A market cap. Moat (0-100): margin (35%) + trend (15%) + market cap (30%) + revenue is (20%). Score 28/100. ≥ 70 = Pass.

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No analyst coverage available for this stock.

GNRV: Net profit margin is 2.3%. thin (0-5%). Score: ≥30% = 100, ≥20% = 85, ≥15% = 70, ≥10% = 55, ≥5% = 45, ≥0% = 30, < 0 = 10.

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Stock Chart & Stats

Market Data

52-Week Range3.35-4.49

Volume756

Avg Volume (30D)353

Market Cap$28.16M

Beta (1Y)0.12

Share Statistics

EPS (TTM)0.09

Shares Outstanding$7.04M

IPO Date2010-05-03

Employees20

CEORobert Bilotti

Financial Highlights & Ratios

Revenue (TTM)$27.48M

Gross Profit$13.49M

EBITDA$1.16M

Net Income$636K

Operating Income$818K

Total Cash$46.62M

Total Debt$34.52M

Net Debt$-12.1M

Total Assets$517.47M

Price / Earnings (P/E)44.2

Price / Sales (P/S)1.02

Analyst Forecast

Company Info

CountryUS

ExchangeOther OTC

CurrencyUSD

ISINUS3864411091

Price Chart

GNRV

Grand River Commerce, Inc. ↗ · Other OTC

Financial Services • Banks - Regional

3.35 52WK RANGE 4.49

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