Grand River Commerce, Inc (GNRV) Fair Value & Analysis
Financial Services · US · Market cap $37.3M
Fair value as of: Jun 26, 2026
Analysis
Grand River Commerce, Inc (GNRV) currently trades at $5.26, while our model-based Fair Value estimate is $1.17 — implying the stock looks roughly 77.8% overvalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium — the entry price still matters most (evidence: high).
About the company
Grand River Commerce, Inc. operates as the bank holding company for Grand River Bank that provides various commercial and consumer banking products and services to businesses, professionals, and residents in Michigan. It operates through Commercial and Industrial; Commercial Real Estate; and Consumer segments. The company offers interest and noninterest-bearing checking accounts, savings accounts, and time deposits; SBA lending products; home equity lines of credit and term loans; and commercial real estate and term loans, as well as lines of credit. It also provides car, boat, motorcycle, and RV loans; fixed mortgage, jumbo, physician, doctor, dentist, rural development, federal housing administration, VA, lot or vacant land, bridge, and community investment loans, as well as first-time homebuyer, construction financing, and refinance products. In addition, the company offers treasury management, fraud protection, merchant, ACH manager, lock box, bill pay, e-statement, remote depos…
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.
Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.