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First Commerce Bank (Lakewood New Jersey) (CMRB)
OTHER OTC:CMRB
US Market
CMRB
First Commerce Bank (Lakewood New Jersey)
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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 $0.52. For the 2026 fiscal year, CMRB's free cash flow was decreased by $ and operating cash flow was $0.18. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
 0.00 0.11 0.88 0.06 51.55
Quick Ratio
 0.00 0.11 0.88 0.06 99.11
Cash Ratio
 0.00 0.11 0.83 0.06 42.89
Solvency Ratio
 <0.01 <0.01 <0.01 >-0.01 0.02
Operating Cash Flow Ratio
 0.00 <0.01 <0.01 <0.01 21.79
Short-Term Operating Cash Flow Coverage
 0.00 0.07 0.00 12.81 30.56
Net Current Asset Value
$ -1.80B$ -1.48B$ -1.24B$ -1.19B$ -1.06B
Leverage Ratios
Debt-to-Assets Ratio
 0.19 0.17 0.12 0.09 0.05
Debt-to-Equity Ratio
 2.29 1.77 1.11 0.71 0.39
Debt-to-Capital Ratio
 0.70 0.64 0.53 0.41 0.28
Long-Term Debt-to-Capital Ratio
 0.68 0.64 0.50 0.41 0.25
Financial Leverage Ratio
 12.34 10.23 9.00 7.83 7.16
Debt Service Coverage Ratio
 0.20 0.07 0.14 -0.16 2.43
Interest Coverage Ratio
 0.22 0.22 0.12 0.56 3.31
Debt to Market Cap
 2.26 3.39 1.61 0.89 0.37
Interest Debt Per Share
 27.57 17.93 10.96 6.85 3.22
Net Debt to EBITDA
 18.84 12.91 7.82 -92.26 1.17
Profitability Margins
Gross Profit Margin
49.96%47.66%43.34%99.11%87.83%
EBIT Margin
15.71%11.27%6.93%39.52%40.32%
EBITDA Margin
18.28%14.11%9.39%-1.59%42.49%
Operating Profit Margin
15.71%11.27%6.93%39.52%40.32%
Pretax Profit Margin
15.71%11.27%6.93%39.52%40.32%
Net Profit Margin
11.81%8.66%5.60%29.54%30.59%
Continuous Operations Profit Margin
11.81%8.66%5.60%29.54%30.59%
Net Income Per EBT
75.17%76.86%80.79%74.74%75.88%
EBT Per EBIT
100.00%100.00%100.00%100.00%100.00%
Return on Assets (ROA)
0.63%0.46%0.29%0.96%1.28%
Return on Equity (ROE)
7.48%4.71%2.62%7.49%9.20%
Return on Capital Employed (ROCE)
0.84%2.16%0.40%3.97%1.69%
Return on Invested Capital (ROIC)
0.63%1.35%0.32%3.00%1.28%
Return on Tangible Assets
0.63%0.46%0.29%0.96%10.84%
Earnings Yield
10.62%6.59%4.17%9.42%10.42%
Efficiency Ratios
Receivables Turnover
 12.20 12.55 13.84 8.20 11.70
Payables Turnover
 0.00 25.38 23.92 0.21 6.65
Inventory Turnover
 0.00 0.00 0.00 0.00 -0.14
Fixed Asset Turnover
 3.37 3.39 2.44 1.84 2.12
Asset Turnover
 0.05 0.05 0.05 0.03 0.04
Working Capital Turnover Ratio
 10.14 -0.16 -0.17 -0.11 -0.20
Cash Conversion Cycle
 29.91 14.71 11.11 -1.73K -2.64K
Days of Sales Outstanding
 29.91 29.09 26.37 44.52 31.21
Days of Inventory Outstanding
 0.00 0.00 0.00 0.00 -2.61K
Days of Payables Outstanding
 0.00 14.38 15.26 1.77K 54.92
Operating Cycle
 29.91 29.09 26.37 44.52 -2.58K
Cash Flow Ratios
Operating Cash Flow Per Share
 0.00 0.40 0.02 0.40 0.92
Free Cash Flow Per Share
 0.00 0.28 -0.09 0.34 0.89
CapEx Per Share
 0.00 0.13 0.11 0.05 0.02
Free Cash Flow to Operating Cash Flow
 0.00 0.69 -6.11 0.87 0.98
Dividend Paid and CapEx Coverage Ratio
 0.00 3.21 0.08 1.87 2.21
Capital Expenditure Coverage Ratio
 0.00 3.21 0.14 7.48 41.61
Operating Cash Flow Coverage Ratio
 0.00 0.03 <0.01 0.07 0.31
Operating Cash Flow to Sales Ratio
 0.00 0.08 <0.01 0.20 0.40
Free Cash Flow Yield
0.00%4.44%-1.85%5.57%13.26%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 10.93 15.22 23.97 10.62 9.60
Price-to-Sales (P/S) Ratio
 1.45 1.31 1.34 3.14 2.94
Price-to-Book (P/B) Ratio
 0.73 0.71 0.63 0.80 0.88
Price-to-Free Cash Flow (P/FCF) Ratio
 0.00 22.54 -53.91 17.96 7.54
Price-to-Operating Cash Flow Ratio
 0.00 15.51 329.36 15.56 7.36
Price-to-Earnings Growth (PEG) Ratio
 0.07 0.16 -0.38 -0.62 -3.46
Price-to-Fair Value
 0.73 0.71 0.63 0.80 0.88
Enterprise Value Multiple
 26.76 22.23 22.10 -290.00 8.08
Enterprise Value
 514.42M 298.93M 167.65M 214.60M 186.15M
EV to EBITDA
 26.76 22.23 22.10 -290.00 8.08
EV to Sales
 4.89 3.14 2.08 4.60 3.43
EV to Free Cash Flow
 0.00 53.77 -83.41 26.34 8.82
EV to Operating Cash Flow
 0.00 37.00 509.58 22.82 8.60
Tangible Book Value Per Share
 9.97 8.74 7.95 7.75 7.45
Shareholders’ Equity Per Share
 9.97 8.74 7.95 7.75 7.64
Tax and Other Ratios
Effective Tax Rate
 0.25 0.23 0.19 0.25 0.24
Revenue Per Share
 6.59 4.75 3.73 1.96 2.30
Net Income Per Share
 0.78 0.41 0.21 0.58 0.70
Tax Burden
 0.75 0.77 0.81 0.75 0.76
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
 0.24 0.03 0.02 0.04 0.03
Stock-Based Compensation to Revenue
 <0.01 <0.01 <0.01 <0.01 <0.01
Income Quality
 0.00 0.98 0.07 0.68 1.30
Currency in USD