Stock GNRV GRAND RIVER COMMERCE, INC.
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Financials Grand River Commerce, Inc.

Equities

GNRV

US3864411091

Banks

Market Closed - OTC Markets
Other stock markets
 15:49:45 2024-06-27 EDT 		5-day change 1st Jan Change
2.66 USD +0.76% Intraday chart for Grand River Commerce, Inc. -3.27% -22.45%
05-24 Grand River Commerce, Inc. Reports Earnings Results for the First Quarter Ended March 31, 2024 CI
05-03 Grand River Commerce, Inc. Reports Earnings Results for the Full Year Ended December 31, 2023 CI

Valuation

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Capitalization 1 41.89 38.72 34 50.63 38.65 24.15
Enterprise Value (EV) 1 32.67 28.13 -13.82 -21.17 15.26 54.22
P/E ratio 36.7 x 26.1 x 11.7 x 16 x -17.6 x -3.31 x
Yield - - - - - -
Capitalization / Revenue 5 x 3.82 x 2.43 x 3.05 x 2.57 x 1.82 x
EV / Revenue 3.89 x 2.77 x -0.99 x -1.28 x 1.01 x 4.09 x
EV / EBITDA - - - - - -
EV / FCF - - - - - -
FCF Yield - - - - - -
Price to Book 1.12 x 0.99 x 0.8 x 1.11 x 0.9 x 0.68 x
Nbr of stocks (in thousands) 6,714 6,734 6,732 6,751 7,026 7,041
Reference price 2 6.240 5.750 5.050 7.500 5.500 3.430
Announcement Date 19-03-19 20-03-18 21-03-24 22-03-24 23-04-14 24-05-03
1USD in Million2USD
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Net sales 1 8.387 10.14 14.01 16.58 15.06 13.25
EBITDA - - - - - -
EBIT - - - - - -
Operating Margin - - - - - -
Earnings before Tax (EBT) 1 1.506 1.965 3.873 4.243 -2.807 -1.5
Net income 1 1.183 1.541 3.031 3.317 -2.174 -7.3
Net margin 14.11% 15.19% 21.64% 20.01% -14.43% -55.08%
EPS 2 0.1700 0.2200 0.4300 0.4700 -0.3122 -1.037
Free Cash Flow - - - - - -
FCF margin - - - - - -
FCF Conversion (EBITDA) - - - - - -
FCF Conversion (Net income) - - - - - -
Dividend per Share - - - - - -
Announcement Date 19-03-19 20-03-18 21-03-24 22-03-24 23-04-14 24-05-03
1USD in Million2USD
Estimates

Balance Sheet Analysis

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Net Debt 1 - - - - - 30.1
Net Cash position 1 9.23 10.6 47.8 71.8 23.4 -
Leverage (Debt/EBITDA) - - - - - -
Free Cash Flow - - - - - -
ROE (net income / shareholders' equity) 3.23% 4.04% 7.45% 7.57% -4.93% -3.09%
ROA (Net income/ Total Assets) 0.49% 0.53% 0.78% 0.7% -0.43% -0.22%
Assets 1 243.9 292.9 386.7 470.7 510 3,249
Book Value Per Share 2 5.550 5.810 6.280 6.750 6.100 5.060
Cash Flow per Share 2 2.490 3.130 10.90 12.50 6.890 3.120
Capex 1 0.1 0.16 0.86 1.46 0.67 0
Capex / Sales 1.16% 1.56% 6.15% 8.8% 4.42% 0.02%
Announcement Date 19-03-19 20-03-18 21-03-24 22-03-24 23-04-14 24-05-03
1USD in Million2USD
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Change in Enterprise Value/EBITDA

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