GNRV (Grand River Commerce) EV-to-FCF: (As of Jul. 11, 2026)


GNRV Grand River Commerce Inc GNRV
35 GF Score
Price $5.38
GF Value $2.87
Valuation Significantly Overvalued
! 5 Warning Signs
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What is Grand River Commerce EV-to-FCF?

EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Grand River Commerce's Enterprise Value is $23.06 Mil. Grand River Commerce's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was $0.00 Mil. Therefore, Grand River Commerce's EV-to-FCF for today is .

The historical rank and industry rank for Grand River Commerce's EV-to-FCF or its related term are showing as below:

GNRV' s EV-to-FCF Range Over the Past 10 Years
Min: -36.75   Med: -36.15   Max: 20.79
Current: 20.79

During the past 13 years, the highest EV-to-FCF of Grand River Commerce was 20.79. The lowest was -36.75. And the median was -36.15.

GNRV's EV-to-FCF is ranked worse than
83.49% of 1193 companies
in the Banks industry
Industry Median: 6.57 vs GNRV: 20.79

EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.

As of today (2026-07-11), Grand River Commerce's stock price is $5.38. Grand River Commerce's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 was $0.114. Therefore, Grand River Commerce's PE Ratio (TTM) for today is 47.19.


Grand River Commerce  (OTCPK:GNRV) EV-to-FCF Explanation

EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.

Grand River Commerce's PE Ratio (TTM) for today is calculated as:

PE Ratio (TTM)=Share Price (Today)/Earnings per Share (Diluted) (TTM)
=5.38/0.114
=47.19

Grand River Commerce's share price for today is $5.38.
Grand River Commerce's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $0.114.

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.


Grand River Commerce EV-to-FCF Related Terms


Grand River Commerce EV-to-FCF Historical Data

* Premium members only.

The historical data trend for Grand River Commerce's EV-to-FCF can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Grand River Commerce EV-to-FCF Chart

Grand River Commerce Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
EV-to-FCF
Get a 7-Day Free Trial Premium Member Only Premium Member Only -2.28 -7.33 -4.78 20.57 12.07

Grand River Commerce Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
EV-to-FCF Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.00 0.00 0.00 12.07 0.00

GNRV vs BHDB, HCKG, HFBA: EV-to-FCF Comparison

For the Banks - Regional subindustry, Grand River Commerce's EV-to-FCF, along with its competitors' market caps and EV-to-FCF data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Grand River Commerce EV-to-FCF vs Banks Industry

For the Banks industry and Financial Services sector, Grand River Commerce's EV-to-FCF distribution charts can be found below:

* The bar in red indicates where Grand River Commerce's EV-to-FCF falls into.


GNRV
35GF Score
Grand River Commerce Inc GNRV
EV-to-FCF is just one metric. See GF Score™, valuation, warning signs, and more.
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Grand River Commerce EV-to-FCF Calculation

Grand River Commerce's EV-to-FCF for today is calculated as:

EV-to-FCF=Enterprise Value (Today)/Free Cash Flow (TTM)
=23.057/0
=

Grand River Commerce's current Enterprise Value is $23.06 Mil.
Grand River Commerce's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $0.00 Mil.

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Is Grand River Commerce (GNRV) Overvalued in 2026?

Based on GuruFocus' analysis, Grand River Commerce stock appears to be overvalued. The current stock price of $5.38 is trading 87.5% above its estimated GF Value™ of $2.87. GuruFocus considers Grand River Commerce to be Significantly Overvalued.

Key valuation signals for GNRV:

  • EV-to-FCF:
  • GF Value™: $2.87 vs. price of $5.38 (87.5% above fair value)
  • GF Score™: 35/100 with 5 warning signs

No single metric tells the full story. See the GNRV stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Grand River Commerce Business Description

Address 4471 Wilson Avenue, South West, Grandville, MI, USA, 49418
Grand River Commerce Inc is a United States-based bank holding company. It operates a full-service commercial bank and offers a range of commercial and consumer banking services to businesses, professionals, and local residents. The bank's deposit products are Interest and Non-interest-bearing checking accounts, Savings accounts, and Time deposits, and its primary lending products are Real estate mortgages and commercial and consumer loans. The company's prime source of revenue is the interest income.
35GF Score

Get the complete analysis for GNRV

EV-to-FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$5.38
Price
$2.87
GF Value