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
 15:22:47 15/05/2024 BST 		5-day change 1st Jan Change
2.95 USD -1.67% Intraday chart for Grand River Commerce, Inc. 0.00% -13.99%
05-03 Grand River Commerce, Inc. Reports Earnings Results for the Full Year Ended December 31, 2023 CI
2023 Grand River Commerce, Inc. Reports Earnings Results for the Nine Months Ended September 30, 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 12.81 52.04
P/E ratio 36.7 x 26.1 x 11.7 x 16 x -17.6 x -3.65 x
Yield - - - - - -
Capitalization / Revenue 5 x 3.82 x 2.43 x 3.05 x 2.57 x 1.86 x
EV / Revenue 3.89 x 2.77 x -0.99 x -1.28 x 0.85 x 4.01 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 18/03/20 24/03/21 24/03/22 14/04/23 03/05/24
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 12.97
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% -56.27%
EPS 2 0.1700 0.2200 0.4300 0.4700 -0.3122 -0.9400
Free Cash Flow - - - - - -
FCF margin - - - - - -
FCF Conversion (EBITDA) - - - - - -
FCF Conversion (Net income) - - - - - -
Dividend per Share - - - - - -
Announcement Date 19/03/19 18/03/20 24/03/21 24/03/22 14/04/23 03/05/24
1USD in Million2USD
Estimates

Balance Sheet Analysis

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Net Debt 1 - - - - - 27.9
Net Cash position 1 9.23 10.6 47.8 71.8 25.8 -
Leverage (Debt/EBITDA) - - - - - -
Free Cash Flow - - - - - -
ROE (net income / shareholders' equity) 3.23% 4.04% 7.45% 7.57% -4.93% 1.12%
ROA (Net income/ Total Assets) 0.49% 0.53% 0.78% 0.7% -0.43% 0.08%
Assets 1 243.9 292.9 386.7 470.7 510 -8,979
Book Value Per Share 2 5.550 5.810 6.280 6.750 6.100 5.080
Cash Flow per Share 2 2.490 3.130 10.90 12.50 6.890 3.130
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 18/03/20 24/03/21 24/03/22 14/04/23 03/05/24
1USD in Million2USD
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Change in Enterprise Value/EBITDA

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