GNRV (Grand River Commerce) ROE % Adjusted to Book Value: 5.11% (As of Mar. 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 ROE % Adjusted to Book Value?

Grand River Commerce GNRV +0.37% 35 ROE % Adjusted to Book Value is 5.11% as of Mar. 2026. 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.

Grand River Commerce's ROE % for the quarter that ended in Mar. 2026 was 4.09%. Grand River Commerce's PB Ratio for the quarter that ended in Mar. 2026 was 0.80. Grand River Commerce's ROE % Adjusted to Book Value for the quarter that ended in Mar. 2026 was 5.11%.


Grand River Commerce ROE % Adjusted to Book Value Related Terms


Grand River Commerce ROE % Adjusted to Book Value Historical Data

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The historical data trend for Grand River Commerce's ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value Chart

Grand River Commerce Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
ROE % Adjusted to Book Value
Get a 7-Day Free Trial Premium Member Only Premium Member Only 6.82 -5.48 -27.37 -2.60 2.41

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
ROE % Adjusted to Book Value 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 0.81 0.73 3.27 4.53 5.11

GNRV vs BHDB, HCKG, HFBA: ROE % Adjusted to Book Value Comparison

For the Banks - Regional subindustry, Grand River Commerce's ROE % Adjusted to Book Value, along with its competitors' market caps and ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value vs Banks Industry

For the Banks industry and Financial Services sector, Grand River Commerce's ROE % Adjusted to Book Value distribution charts can be found below:

* The bar in red indicates where Grand River Commerce's ROE % Adjusted to Book Value falls into.


GNRV
35GF Score
Grand River Commerce Inc GNRV
ROE % Adjusted to Book Value is just one metric. See GF Score™, valuation, warning signs, and more.
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Grand River Commerce ROE % Adjusted to Book Value Calculation

Grand River Commerce's ROE % Adjusted to Book Value for the fiscal year that ended in Dec. 2025 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=1.78% / 0.74
=2.41%

Grand River Commerce's ROE % Adjusted to Book Value for the quarter that ended in Mar. 2026 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=4.09% / 0.80
=5.11%

* 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.

What does a ROE % Adjusted to Book Value of 5.11% mean?
Grand River Commerce (GNRV) has a ROE % Adjusted to Book Value of 5.11% as of Mar. 2026. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on Grand River Commerce and its competitors.
Is Grand River Commerce's ROE % Adjusted to Book Value too high?
Grand River Commerce's current ROE % Adjusted to Book Value is 5.11%. 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 ROE % Adjusted to Book Value compare to BHDB and HCKG?
Grand River Commerce's ROE % Adjusted to Book Value of 5.11% can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROE % Adjusted to Book Value for a Banks company?
A good ROE % Adjusted to Book Value depends on the Banks industry context. However, ROE % Adjusted to Book Value should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high ROE % Adjusted to Book Value mean?
A high ROE % Adjusted to Book Value can signal that a stock is expensive relative to its fundamentals. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on Grand River Commerce and its competitors. Grand River Commerce's current ROE % Adjusted to Book Value is 5.11%. 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 ROE % Adjusted to Book Value is 5.11%. 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 ROE % Adjusted to Book Value calculated?
ROE % Adjusted to Book Value is calculated from a company's financial statements. For Grand River Commerce (GNRV), the current ROE % Adjusted to Book Value is 5.11% 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:

  • ROE % Adjusted to Book Value: 5.11%
  • 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

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ROE % Adjusted to Book Value is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$5.38
Price
$2.87
GF Value