Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Grand River CommerceGNRV 35 PE Ratio (TTM) is 47.81 as of Jul. 19, 2026, which is 82% above its 10-year median of 26.29. GuruFocus rates GNRV with a GF Score™ of 35/100 and a GF Value™ of $2.86 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 1,450 Banks companies, Grand River Commerce ranks worse than 96.28% on this metric.
The PE Ratio (TTM), or Price-to-Earnings ratio, or P/E Ratio, is a financial ratio used to compare a company's market price to its Earnings per Share (Diluted). As of today (2026-07-19), Grand River Commerce's share price is
$5.45.
Grand River Commerce's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 was $0.11. Therefore, Grand River Commerce's PE Ratio (TTM) for today is 47.81.
The historical rank and industry rank for Grand River Commerce's PE Ratio (TTM) or its related term are showing as below:
GNRV'
s PE Ratio (TTM) Range Over the Past 10 Years
Min: 11.22 Med: 26.29 Max: 405
Current: 47.81
During the past 13 years, the highest PE Ratio (TTM) of Grand River Commerce was 405.00. The lowest was 11.22. And the median was 26.29.
GNRV's PE Ratio (TTM) is ranked worse than 96.28% of 1450
companies
in the Banks industry
Industry Median: 11.805
vs GNRV: 47.81
During the past 3 years, the average EPS without NRIGrowth Rate was -23.40% per year.
During the past 13 years, Grand River Commerce's highest 3-Year average EPS without NRI Growth Rate was 92.80% per year. The lowest was -35.40% per year. And the median was -3.10% per year.
Grand River Commerce's EPS (Basic) for the
three
months ended in Mar. 2026 was $0.05.
Its EPS (Basic) for the trailing twelve months (TTM) ended in Mar. 2026 was $0.14.
Grand River Commerce (OTCPK:GNRV) PE Ratio (TTM) Explanation
The PE Ratio (TTM) can be viewed as the number of years it takes for the company to earn back the price you pay for the stock. For example, if a company earns $2 a share per year, and the stock is traded at $30, the PE Ratio (TTM) is 15. Therefore it takes 15 years for the company to earn back the $30 you paid for its stock, assuming the earnings stays constant over the next 15 years.
In real business, earnings never stay constant. If a company can grow its earnings, it takes fewer years for the company to earn back the price you pay for the stock. If a company's earnings decline it takes more years. As a shareholder, you want the company to earn back the price you pay as soon as possible. Therefore, lower P/E stocks are more attractive than higher P/E stocks so long as the PE Ratio (TTM) is positive. Also for stocks with the same PE Ratio (TTM), the one with faster growth business is more attractive.
If a company loses money, the PE Ratio (TTM) becomes meaningless.
To compare stocks with different growth rates, Peter Lynch invented a ratio called PEG Ratio. PEG Ratio is defined as the PE Ratio (TTM) divided by the growth ratio. He thinks a company with a PE Ratio (TTM) equal to its growth rate is fairly valued. Still he said he would rather buy a company growing 20% a year with a PE Ratio (TTM) of 20, instead of a company growing 10% a year with a PE Ratio (TTM) of 10.
Because the PE Ratio (TTM) measures how long it takes to earn back the price you pay, the PE Ratio (TTM) can be applied to the stocks across different industries. That is why it is the one of the most important and widely used indicators for the valuation of stocks.
Investors need to be aware that the PE Ratio (TTM) can be misleading a lot of times, especially when the underlying business is cyclical and unpredictable. As Peter Lynch pointed out, cyclical businesses have higher profit margins at the peaks of the business cycles. Their earnings are high and PE Ratio (TTM)s are artificially low. It is usually a bad idea to buy a cyclical business when the PE Ratio (TTM) is low. A better ratio to identify the time to buy a cyclical businesses is the PS Ratio .
PE Ratio (TTM) can also be affected by non-recurring-items such as the sale of part of businesses. This may increase for the current year or quarter dramatically. But it cannot be repeated over and over. Therefore PE Ratio without NRI is a more accurate indication of valuation than PE Ratio (TTM).
Grand River Commerce PE Ratio (TTM) Related Terms
Grand River Commerce PE Ratio (TTM) Historical Data
* Premium members only.
The historical data trend for Grand River Commerce's PE Ratio (TTM) 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.
GNRV vs BHDB, HCKG, HFBA: PE Ratio (TTM) Comparison
For the Banks - Regional subindustry, Grand River Commerce's PE Ratio (TTM), along with its competitors' market caps and PE Ratio (TTM) 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 PE Ratio (TTM) vs Banks Industry
For the Banks industry and Financial Services sector, Grand River Commerce's PE Ratio (TTM) distribution charts can be found below:
* The bar in red indicates where Grand River Commerce's PE Ratio (TTM) falls into.
The PE Ratio (TTM), or Price-to-Earnings ratio, or P/E Ratio, is a financial ratio used to compare a company's market price to its Earnings per Share (Diluted). It is the most widely used ratio in the valuation of stocks.
Grand River Commerce's Share Price of today is $5.45.
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 $0.11.
* 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.
It can also be calculated from the numbers for the whole company:
There are at least three kinds of PE Ratio (TTM)s used by different investors. They are Trailing Twelve Month PE Ratio (TTM) or PE Ratio (TTM) (TTM), Forward PE Ratio, or PE Ratio without NRI. A new PE Ratio (TTM) based on inflation-adjusted normalized PE Ratio (TTM) is called Shiller PE Ratio, after Yale professor Robert Shiller.
In the calculation of PE Ratio (TTM), the earnings per share used are the earnings per share over the past 12 months. For Forward PE Ratio, the earnings are the expected earnings for the next twelve months. In the case of PE Ratio without NRI, the reported earnings less the non-recurring items are used.
For Shiller PE Ratio, the earnings of the past 10 years are inflation-adjusted and averaged. Since it looks at the average over the last 10 years, Shiller PE Ratio is also called PE10.
Grand River Commerce (GNRV) has a PE Ratio (TTM) of 47.81 as of Jul. 19, 2026. Trailing 12-month P/E ratio is the ratio of share price to a company's trailing 12-month earnings per share. View historical data on Grand River Commerce and its competitors. This is 82% above median its historical median of 26.29. Over the past decade, Grand River Commerce's PE Ratio (TTM) has ranged from 11.22 to 405.00. According to the industry distribution chart, Grand River Commerce ranks #1396 out of 1450 companies in the Banks industry, placing it in the top 96.3%.
Is Grand River Commerce's PE Ratio (TTM) too high?
Grand River Commerce's current PE Ratio (TTM) of 47.81 is 82% above median its 10-year median of 26.29. Over the past 10 years, this metric has ranged from a low of 11.22 to a high of 405.00. The Banks industry median PE Ratio (TTM) is 11.81. Grand River Commerce's value of 47.81 is 305% above this industry median. Based on the distribution chart, Grand River Commerce ranks #1396 out of 1450 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 PE Ratio (TTM) compare to BHDB and HCKG?
According to the Banks industry distribution chart, Grand River Commerce ranks #1396 out of 1450 companies for PE Ratio (TTM). This places Grand River Commerce in the lower half of its industry. The industry median PE Ratio (TTM) is 11.81. Grand River Commerce's value of 47.81 is 305% above this benchmark. Historically, Grand River Commerce's own PE Ratio (TTM) has ranged from 11.22 to 405.00 over the past decade. While the company's 10-year median is 26.29 vs. the industry median of 11.81, Grand River Commerce has consistently been above 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 PE Ratio (TTM) for a Banks company?
The median PE Ratio (TTM) among Banks companies is 11.81, based on 1,450 companies in the industry. Companies in the top quartile (top 25%) have a PE Ratio (TTM) significantly above this median, while those in the bottom quartile fall well below. However, PE Ratio (TTM) should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Grand River Commerce's current PE Ratio (TTM) of 47.81 is 305% above 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 PE Ratio (TTM) mean?
A high PE Ratio (TTM) can signal that a stock is expensive relative to its fundamentals. Trailing 12-month P/E ratio is the ratio of share price to a company's trailing 12-month earnings per share. View historical data on Grand River Commerce and its competitors. For the Banks industry, the median PE Ratio (TTM) is 11.81 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Grand River Commerce's current PE Ratio (TTM) is 47.81, which is 82% above median its own 10-year median of 26.29. 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 $2.86, compared to a current price of $5.45 — trading 90.6% above its estimated fair value. The current PE Ratio (TTM) is 47.81, which is 82% above median its 10-year median of 26.29 and 305% above the Banks industry median of 11.81. 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 PE Ratio (TTM) calculated?
PE Ratio (TTM) is calculated from a company's financial statements. For Grand River Commerce (GNRV), the current PE Ratio (TTM) is 47.81 as of Jul. 19, 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 $5.45 is trading 90.6% above its estimated GF Value™ of $2.86.
GuruFocus considers Grand River Commerce to be Significantly Overvalued.
Key valuation signals for GNRV:
PE Ratio (TTM): 47.81 (82% above median its 10-year median of 26.29)
GF Value™: $2.86 vs. price of $5.45 (90.6% above fair value)
Industry Position: 305% above the Banks median (#1396 of 1450)
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
Get the complete analysis for GNRV
PE Ratio (TTM) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
GNRV has been successfully added to your 
