Grand River CommerceGNRV +0.37%35 Net Margin % is 11.45% as of Mar. 2026, which is 22% above its 10-year median of 9.35. GuruFocus rates GNRV with a GF Score™ of 35/100 and a GF Value™ of $2.87 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 1,525 Banks companies, Grand River Commerce ranks worse than 90.95% on this metric.
The historical rank and industry rank for Grand River Commerce's Net Margin % or its related term are showing as below:
GNRV'
s Net Margin % Range Over the Past 10 Years
Min: -55.28 Med: 9.35 Max: 33.1
Current: 7.19
GNRV's Net Margin % is ranked worse than 90.95% of 1525
companies
in the Banks industry
Industry Median: 26.87
vs GNRV: 7.19
Grand River Commerce (OTCPK:GNRV) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Grand River Commerce Net Margin % Related Terms
Grand River Commerce Net Margin % Historical Data
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The historical data trend for Grand River Commerce's Net Margin % 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.
For the Banks - Regional subindustry, Grand River Commerce's Net Margin %, along with its competitors' market caps and Net Margin % 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 Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Grand River Commerce's Net Margin % distribution charts can be found below:
* The bar in red indicates where Grand River Commerce's Net Margin % falls into.
* 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 (GNRV) has a Net Margin % of 11.45% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Grand River Commerce and its competitors. This is 22% above median its historical median of 9.35. According to the industry distribution chart, Grand River Commerce ranks #1387 out of 1525 companies in the Banks industry, placing it in the top 91%.
Is Grand River Commerce's Net Margin % too high?
Grand River Commerce's current Net Margin % of 11.45% is 22% above median its 10-year median of 9.35. The Banks industry median Net Margin % is 26.87. Grand River Commerce's value of 11.45% is 57.4% below this industry median. Based on the distribution chart, Grand River Commerce ranks #1387 out of 1525 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Grand River Commerce has a GF Score™ of 35/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Grand River Commerce's Net Margin % compare to BHDB and HCKG?
According to the Banks industry distribution chart, Grand River Commerce ranks #1387 out of 1525 companies for Net Margin %. This places Grand River Commerce in the lower half of its industry. The industry median Net Margin % is 26.87. Grand River Commerce's value of 11.45% is 57.4% below this benchmark. While the company's 10-year median is 9.35 vs. the industry median of 26.87, Grand River Commerce has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 26.87, based on 1,525 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Grand River Commerce's current Net Margin % of 11.45% is 57.4% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Grand River Commerce and its competitors. For the Banks industry, the median Net Margin % is 26.87 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Grand River Commerce's current Net Margin % is 11.45%, which is 22% above median its own 10-year median of 9.35. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Grand River Commerce stock overvalued right now?
Based on GuruFocus' analysis, Grand River Commerce (GNRV) is currently considered Significantly Overvalued. The stock's GF Value™ is $2.87, compared to a current price of $5.38 — trading 87.5% above its estimated fair value. The current Net Margin % is 11.45%, which is 22% above median its 10-year median of 9.35 and 57.4% below the Banks industry median of 26.87. Grand River Commerce's overall GF Score™ is 35/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Grand River Commerce (GNRV), the current Net Margin % is 11.45% as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
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:
Net Margin %: 11.45% (22% above median its 10-year median of 9.35)
GF Value™: $2.87 vs. price of $5.38 (87.5% above fair value)
Industry Position: 57.4% below the Banks median (#1387 of 1525)
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 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
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