OTC · Banks - Regional

First Commerce Bank (CMRB) Stock

$7.02 +3.54% OTC: CMRB Financial Services

First Commerce Bank is a financial institution offering a diverse array of banking products and services. It caters to the needs of individuals, professional entities, and small to medium-sized businesses.

Valuation

MetricValue
Price$7.02
Market Cap$145.89M
P/E Ratio13.88
P/B Ratio0.85
P/S Ratio1.69
EPS (TTM)$0.51
52-Week High$7.06
52-Week Low$4.60
Dividend Yield8.55%

Financials & Margins

MetricValue
ROE5.94%
ROA0.55%
ROCE0.79%
Gross Margin54.94%
Operating Margin16.73%
Net Margin11.61%
Debt/Equity2.06
Current Ratio0.10

Annual Financials (USD)

Metric20212022202320242025
Revenue$47.0M$54.0M$47.0M$81.0M$95.0M
Operating Profit$22.0M$22.0M$18.0M$6.0M$11.0M
Net Profit$17.0M$17.0M$14.0M$5.0M$8.0M
EPS$0.71$0.69$0.58$0.21$0.41
Op Margin47.7%40.3%39.5%6.9%11.3%

Balance Sheet (USD)

Metric20212022202320242025
Total Assets$1.1B$1.3B$1.4B$1.6B$1.8B
Total Liabilities$964.0M$1.1B$1.3B$1.4B$1.6B
Cash$113.0M$43.0M$62.0M$132.0M$136.0M
Borrowings$10.0M$69.0M$130.0M$192.0M$310.0M

Latest News

First Commerce Bancorp Inc's Dividend Analysis GuruFocus.com · Aug 10, 2026

Cash Flow (USD)

Metric20212022202320242025
Operating Cash Flow$21.0M$22.0M$9.0M$0$8.0M
Investing Cash Flow$-103.0M$-229.0M$-123.0M$-38.0M$-239.0M
Financing Cash Flow$72.0M$85.0M$64.0M$62.0M$113.0M
Net Cash Flow$17.0M$-71.0M$19.0M$71.0M$4.0M
Free Cash Flow$-4.0M$21.0M$8.0M$-2.0M$6.0M

Valuation & Return Ratios

MetricValue
PEG Ratio0.12
EV / EBITDA
FCF Yield
Quick Ratio
Interest Coverage
Return 1Y54.41%
Return 3Y19.88%
Return 5Y45.40%

Ownership

Insiders Held0.00%
Institutions Held0.00%
Institutions Float Held0.00%

Peer Comparison

TickerPriceChangeP/EMarket CapDiv Yield
AMBKAmerican Bank Incorporated $22.43 +3.22% 9.35 $142.14M 2.85%
CHBHCroghan Bancshares, Inc. $61.51 +0.00% 9.55 $123.92M 3.97%
CWBKCW Bancorp $43.99 +0.00% 10.11 $128.90M 2.09%
DIMCDimeco, Inc. $56.00 +0.00% 7.84 $142.43M 3.21%
FFDFFFD Financial Corporation $45.45 +0.00% 9.35 $134.03M 2.99%

About First Commerce Bank

First Commerce Bank is a financial institution offering a diverse array of banking products and services. It caters to the needs of individuals, professional entities, and small to medium-sized businesses. For its commercial clients, the bank provides accounts such as business checking, statement savings, money market, and escrow sub-accounts. Additionally, it facilitates electronic payments through ACH origination and remote deposit functionalities. Individual customers can access personal checking, money market, and traditional savings accounts. The bank's lending portfolio encompasses various commercial and business loan options, including commercial mortgages, construction financing, Small Business Administration (SBA) loans, term loans, equipment financing, and lines of credit. Complementing these, First Commerce Bank also offers convenient services like safe deposit boxes, telephone and mobile banking, online banking with bill payment capabilities, debit cards, and wire transfer facilities. Its primary operational focus is within four New Jersey counties: Bergen, Mercer, Monmouth, and Ocean. Established in 2006, the institution initially operated as Northern State Bank before rebranding to First Commerce Bank in June 2011. Its main office is situated in Lakewood, New Jersey.

First Commerce Bank is headquartered in US.

First Commerce Bank (CMRB) stock trades at $7.02 with a market capitalization of $145.89M. The stock is valued at a price-to-earnings (P/E) ratio of 13.88, price-to-book of 0.85, price-to-sales of 1.69. Over the past 52 weeks the stock has ranged between $4.60 and $7.06, and currently trades at its 52-week high. It pays a dividend yielding 8.55%.

On profitability, First Commerce Bank generates a return on equity (ROE) of 5.94%, return on capital employed of 0.79%, an operating margin of 16.73%, a net profit margin of 11.61%.

Official website: www.firstcommercebk.com

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