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First Commerce Bank (Lakewood New Jersey) (CMRB) Ratios
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First Commerce Bank (Lakewood New Jersey) Ratios
CMRB's free cash flow for Q2 2026 was $0.00. For the 2026 fiscal year, CMRB's free cash flow was increased by $0.00 and operating cash flow was $0.00. See a summary of the company’s cash flow.
| Ratios | Dec 25 | Dec 24 | Dec 23 | Dec 22 | Dec 21 |
|---|---|---|---|---|---|
| Liquidity Ratios | |||||
| Current Ratio | 0.11 | 0.88 | 0.06 | 51.55 | 0.17 |
| Quick Ratio | 0.11 | 0.88 | 0.06 | 99.11 | 0.34 |
| Cash Ratio | 0.11 | 0.83 | 0.06 | 42.89 | 0.16 |
| Solvency Ratio | 0.01 | 0.00 | -0.00 | 0.02 | 0.02 |
| Operating Cash Flow Ratio | 0.01 | 0.00 | 0.01 | 21.79 | 0.03 |
| Short-Term Operating Cash Flow Coverage | 0.07 | 0.00 | 12.81 | 30.56 | 33.38 |
| Net Current Asset Value | $ -1.48B | $ -1.24B | $ -1.19B | $ -1.06B | $ -841.79M |
| Leverage Ratios | |||||
| Debt-to-Assets Ratio | 0.17 | 0.12 | 0.09 | 0.05 | 0.01 |
| Debt-to-Equity Ratio | 1.77 | 1.11 | 0.71 | 0.39 | 0.06 |
| Debt-to-Capital Ratio | 0.64 | 0.53 | 0.41 | 0.28 | 0.05 |
| Long-Term Debt-to-Capital Ratio | 0.64 | 0.50 | 0.41 | 0.25 | 0.00 |
| Financial Leverage Ratio | 10.23 | 9.00 | 7.83 | 7.16 | 6.59 |
| Debt Service Coverage Ratio | 0.07 | 0.14 | -0.16 | 2.43 | 4.17 |
| Interest Coverage Ratio | 0.22 | 0.12 | 0.56 | 3.31 | 6.16 |
| Debt to Market Cap | 3.39 | 1.61 | 0.89 | 0.37 | 0.00 |
| Interest Debt Per Share | 17.93 | 10.96 | 6.85 | 3.22 | 0.58 |
| Net Debt to EBITDA | 12.91 | 7.82 | -92.26 | 1.17 | -4.39 |
| Profitability Margins | |||||
| Gross Profit Margin | 47.66% | 43.34% | 99.11% | 87.83% | 92.26% |
| EBIT Margin | 11.27% | 6.93% | 39.52% | 40.32% | 47.68% |
| EBITDA Margin | 14.11% | 9.39% | -1.59% | 42.49% | 50.13% |
| Operating Profit Margin | 11.27% | 6.93% | 39.52% | 40.32% | 47.68% |
| Pretax Profit Margin | 11.27% | 6.93% | 39.52% | 40.32% | 47.68% |
| Net Profit Margin | 8.66% | 5.60% | 29.54% | 30.59% | 35.47% |
| Continuous Operations Profit Margin | 8.66% | 5.60% | 29.54% | 30.59% | 35.47% |
| Net Income Per EBT | 76.86% | 80.79% | 74.74% | 75.88% | 74.40% |
| EBT Per EBIT | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% |
| Return on Assets (ROA) | 0.46% | 0.29% | 0.96% | 1.28% | 1.47% |
| Return on Equity (ROE) | 4.71% | 2.62% | 7.49% | 9.20% | 9.68% |
| Return on Capital Employed (ROCE) | 2.16% | 0.40% | 3.97% | 1.69% | 5.22% |
| Return on Invested Capital (ROIC) | 1.35% | 0.32% | 3.00% | 1.28% | 3.88% |
| Return on Tangible Assets | 0.46% | 0.29% | 0.96% | 10.84% | 5.71% |
| Earnings Yield | 6.59% | 4.17% | 9.42% | 10.42% | 12.24% |
| Efficiency Ratios | |||||
| Receivables Turnover | 12.55 | 13.84 | 8.20 | 11.70 | 10.61 |
| Payables Turnover | 25.38 | 23.92 | 0.21 | 6.65 | 36.43 |
| Inventory Turnover | 0.00 | 0.00 | 0.00 | -0.14 | -0.03 |
| Fixed Asset Turnover | 3.39 | 2.44 | 1.84 | 2.12 | 1.83 |
| Asset Turnover | 0.05 | 0.05 | 0.03 | 0.04 | 0.04 |
| Working Capital Turnover Ratio | -0.16 | -0.17 | -0.11 | -0.20 | -0.08 |
| Cash Conversion Cycle | 14.71 | 11.11 | -1730.10 | -2635.69 | -11775.26 |
| Days of Sales Outstanding | 29.09 | 26.37 | 44.52 | 31.21 | 34.39 |
| Days of Inventory Outstanding | 0.00 | 0.00 | 0.00 | -2611.97 | -11799.63 |
| Days of Payables Outstanding | 14.38 | 15.26 | 1774.62 | 54.92 | 10.02 |
| Operating Cycle | 29.09 | 26.37 | 44.52 | -2580.76 | -11765.24 |
| Cash Flow Ratios | |||||
| Operating Cash Flow Per Share | 0.40 | 0.02 | 0.40 | 0.92 | 0.92 |
| Free Cash Flow Per Share | 0.28 | -0.09 | 0.34 | 0.89 | -0.17 |
| Dividend Paid and CapEx Coverage Ratio | 3.21 | 0.08 | 1.87 | 2.21 | 0.85 |
| Capital Expenditure Coverage Ratio | 3.21 | 0.14 | 7.48 | 41.61 | 0.85 |
| Operating Cash Flow Coverage Ratio | 0.03 | 0.00 | 0.07 | 0.31 | 2.18 |
| Operating Cash Flow to Sales Ratio | 0.08 | 0.00 | 0.20 | 0.40 | 0.45 |
| Free Cash Flow Yield | 4.44% | -1.85% | 5.57% | 13.26% | -2.82% |
| Valuation Ratios | |||||
| Price-to-Earnings (P/E) Ratio | 15.22 | 23.97 | 10.62 | 9.60 | 8.17 |
| Price-to-Sales (P/S) Ratio | 1.31 | 1.34 | 3.14 | 2.94 | 2.90 |
| Price-to-Book (P/B) Ratio | 0.71 | 0.63 | 0.80 | 0.88 | 0.79 |
| Price-to-Free Cash Flow (P/FCF) Ratio | 22.54 | -53.91 | 17.96 | 7.54 | -35.43 |
| Price-to-Operating Cash Flow Ratio | 15.51 | 329.36 | 15.56 | 7.36 | 6.39 |
| Price-to-Earnings Growth (PEG) Ratio | 0.16 | -0.38 | -0.62 | -3.46 | 0.14 |
| Enterprise Value Multiple | 22.23 | 22.10 | -290.00 | 8.08 | 1.39 |
| Enterprise Value | 298.93M | 167.65M | 214.60M | 186.15M | 32.73M |
| EV to EBITDA | 22.23 | 22.10 | -290.00 | 8.08 | 1.39 |
| EV to Sales | 3.14 | 2.08 | 4.60 | 3.43 | 0.70 |
| EV to Free Cash Flow | 53.77 | -83.41 | 26.34 | 8.82 | -8.51 |
| EV to Operating Cash Flow | 37.00 | 509.58 | 22.82 | 8.60 | 1.53 |
| Tangible Book Value Per Share | 8.74 | 7.95 | 7.75 | 7.45 | 7.27 |
| Shareholders’ Equity Per Share | 8.74 | 7.95 | 7.75 | 7.64 | 7.46 |
| Tax and Other Ratios | |||||
| Effective Tax Rate | 0.23 | 0.19 | 0.25 | 0.24 | 0.26 |
| Revenue Per Share | 4.75 | 3.73 | 1.96 | 2.30 | 2.04 |
| Net Income Per Share | 0.41 | 0.21 | 0.58 | 0.70 | 0.72 |
| Tax Burden | 0.77 | 0.81 | 0.75 | 0.76 | 0.74 |
| Interest Burden | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 |
| Research & Development to Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| SG&A to Revenue | 0.03 | 0.02 | 0.04 | 0.03 | 0.03 |
| Stock-Based Compensation to Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Income Quality | 0.98 | 0.07 | 0.68 | 1.30 | 1.28 |
Currency in USD
