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First Commerce Bank (Lakewood New Jersey) (CMRB) Price & Analysis

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CMRB Stock Chart & Stats

$6.15

-$0.02(-0.40%)

At close: Jan 07 4:00 PM EST

$6.15

-$0.02(-0.40%)

Day’s Range― - ―

52-Week Range$4.55 - $6.89

Previous CloseN/A

Volume1.50K

Average Volume (3M)13.98K

Market Cap

$142.36M

Enterprise Value$457.67M

Total Cash (Recent Filing)$2.24M

Total Debt (Recent Filing)$322.74M

Price to Earnings (P/E)13.5

Beta0.05

Next Earnings

Aug 04, 2026

EPS EstimateN/A

Next Dividend Ex-DateN/A

Dividend Yield1.46%

Share Statistics

EPS (TTM)0.51

Shares Outstanding20,782,110

10 Day Avg. Volume29,037

30 Day Avg. Volume13,983

Financial Highlights & Ratios

PEG Ratio0.16

Price to Book (P/B)0.71

Price to Sales (P/S)1.31

P/FCF Ratio22.54

Enterprise Value/Market Cap3.21

Enterprise Value/Revenue5.29

Enterprise Value/Gross Profit9.64

Enterprise Value/Ebitda28.67

Forecast

1Y Price TargetN/A

Price Target UpsideN/A

Rating ConsensusN/A

Number of Analyst Covering0

EPS Forecast (FY)N/A

Revenue Forecast (FY)N/A

Bulls Say, Bears Say

Bulls Say

Revenue AccelerationA pronounced 2025 revenue acceleration indicates stronger core franchise momentum and client activity. Sustained top-line growth supports scale benefits, helps absorb fixed costs, and underpins longer-term profitability if management preserves origination and deposit trends.

Asset Base ExpansionMaterial asset growth reflects expanding balance-sheet scale and lending capacity, which can diversify revenue and spread operating leverage. A larger asset base improves strategic optionality for product expansion and funding, strengthening competitive position over time.

Recovery In Cash GenerationReturn to positive operating cash flow and free cash flow demonstrates renewed cash-generation ability after prior slippage. Reliable cash enables reinvestment, dividend support or debt reduction, improving financial flexibility and resilience versus periods of negative cash conversion.

Bears Say

Rising LeverageA sharp rise in leverage materially increases balance-sheet risk, raising interest expense and reducing capital cushions. For a regional bank, higher debt-to-equity constrains regulatory and strategic flexibility, amplifying vulnerability to credit losses or rate shocks in the medium term.

Multi-year Margin VolatilityLarge swings in margins across years show earnings are not stable, complicating forecasting and capital allocation. Such volatility undermines confidence in sustainable profitability, increases the chance of future shocks, and makes long-term dividend or growth commitments less reliable.

Inconsistent Cash ConversionWide swings in free cash flow relative to earnings indicate earnings do not consistently convert into liquidity. This inconsistency strains the bank's ability to deleverage, fund growth, or sustain distributions, elevating operational and funding risk over a multi-quarter horizon.

CMRB FAQ

What was First Commerce Bank (Lakewood New Jersey)’s price range in the past 12 months?

First Commerce Bank (Lakewood New Jersey) lowest stock price was $4.55 and its highest was $6.89 in the past 12 months.

What is First Commerce Bank (Lakewood New Jersey)’s market cap?

First Commerce Bank (Lakewood New Jersey)’s market cap is $142.36M.

When is First Commerce Bank (Lakewood New Jersey)’s upcoming earnings report date?

First Commerce Bank (Lakewood New Jersey)’s upcoming earnings report date is Aug 04, 2026 which is in 8 days.

How were First Commerce Bank (Lakewood New Jersey)’s earnings last quarter?

First Commerce Bank (Lakewood New Jersey) released its earnings results on Apr 27, 2026. The company reported $0.182 earnings per share for the quarter, beating the consensus estimate of N/A by $0.182.

Is First Commerce Bank (Lakewood New Jersey) overvalued?

According to Wall Street analysts First Commerce Bank (Lakewood New Jersey)’s price is currently Overvalued. Get more investment ideas with TipRanks Premium

Does First Commerce Bank (Lakewood New Jersey) pay dividends?

First Commerce Bank (Lakewood New Jersey) pays a Quarterly dividend of $0.05 which represents an annual dividend yield of 1.46%. See more information on First Commerce Bank (Lakewood New Jersey) dividends here

What is First Commerce Bank (Lakewood New Jersey)’s EPS estimate?

First Commerce Bank (Lakewood New Jersey)’s EPS estimate for its next earnings report is not yet available.

How many shares outstanding does First Commerce Bank (Lakewood New Jersey) have?

First Commerce Bank (Lakewood New Jersey) has 20,782,110 shares outstanding.

What happened to First Commerce Bank (Lakewood New Jersey)’s price movement after its last earnings report?

First Commerce Bank (Lakewood New Jersey) reported an EPS of $0.182 in its last earnings report, beating expectations of N/A. Following the earnings report the stock price went up 0.557%.

Which hedge fund is a major shareholder of First Commerce Bank (Lakewood New Jersey)?

Currently, no hedge funds are holding shares in CMRB

What is the TipRanks Smart Score and how is it calculated?

Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology

Company Description

First Commerce Bank (Lakewood New Jersey)

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.