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First Commerce Bank (Lakewood New Jersey)
(OTC:CMRB)
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Rating:61Neutral
Price Target:
$7.50
▲(10.62% Upside)
Action:Reiterated
Date:08/06/26
The score is driven primarily by mixed financial performance—strong recent growth and improved 2025 profitability, but elevated leverage and historically volatile margins/cash flows. Technicals add support with a clear uptrend and positive momentum signals, while valuation is reasonable (P/E ~14 with a modest ~1.4% yield) but not compelling enough to materially lift the score.
Positive Factors
Revenue acceleration
Sustained ~31.8% revenue growth in 2025 indicates expanding core business scale and stronger loan/deposit activity. Over a 2–6 month horizon this larger revenue base supports more predictable earnings, funds reinvestment, and improves prospects for stable margin recovery versus prior weak years.
Negative Factors
Rising leverage
A jump in debt-to-equity to ~1.77 materially increases financial leverage and vulnerability to rate or credit shocks. Over months this elevated leverage limits capital flexibility, raises refinancing and funding risk for a regional bank, and heightens downside sensitivity if earnings or asset quality deteriorate.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue acceleration
Sustained ~31.8% revenue growth in 2025 indicates expanding core business scale and stronger loan/deposit activity. Over a 2–6 month horizon this larger revenue base supports more predictable earnings, funds reinvestment, and improves prospects for stable margin recovery versus prior weak years.
Read all positive factors
First Commerce Bank (Lakewood New Jersey) (CMRB) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$152.64M
Dividend Yield2.04%
Average Volume (3M)13.98K
Price to Earnings (P/E)10.9
Beta (1Y)0.06
Revenue Growth23.59%
EPS Growth163.01%
CountryUS
Employees166
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.67
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 Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
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
First Commerce Bank (Lakewood New Jersey) Business Overview & Revenue Model
Company Description
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 prov...
How the Company Makes Money
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First Commerce Bank (Lakewood New Jersey) Financial Statement Overview
Summary
Income Statement
58
Neutral
Balance Sheet
54
Neutral
Cash Flow
49
Neutral
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 105.18M | 95.28M | 80.75M | 46.64M | 54.24M | 47.04M |
| Gross Profit | 52.55M | 45.41M | 34.99M | 46.22M | 47.64M | 43.40M |
| EBITDA | 19.23M | 13.45M | 7.58M | 19.55M | 23.05M | 23.58M |
| Net Income | 12.42M | 8.26M | 4.52M | 13.78M | 16.59M | 16.68M |
Balance Sheet | ||||||
| Total Assets | 1.96B | 1.79B | 1.55B | 1.44B | 1.29B | 1.14B |
| Cash, Cash Equivalents and Short-Term Investments | 1.80M | 136.42M | 132.48M | 61.72M | 42.59M | 113.34M |
| Total Debt | 364.10M | 310.06M | 191.77M | 130.00M | 69.45M | 9.79M |
| Total Liabilities | 1.81B | 1.62B | 1.38B | 1.26B | 1.11B | 963.90M |
| Stockholders Equity | 159.23M | 175.39M | 172.27M | 184.00M | 180.39M | 172.30M |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 5.56M | -2.01M | 8.15M | 21.12M | -3.85M |
| Operating Cash Flow | 0.00 | 8.08M | 329.00K | 9.40M | 21.64M | 21.33M |
| Investing Cash Flow | 0.00 | -236.33M | -35.20M | -121.94M | -228.44M | -78.02M |
| Financing Cash Flow | 0.00 | 232.19M | 105.62M | 131.67M | 136.05M | 73.75M |
First Commerce Bank (Lakewood New Jersey) Technical Analysis
Positive
6.78
Price Trends
6.89
Positive
6.55
Positive
6.21
Positive
Market Momentum
0.14
Positive
69.74
Neutral
69.92
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For CMRB, the sentiment is Positive. The current price of 6.78 is below the 20-day moving average (MA) of 7.22, below the 50-day MA of 6.89, and above the 200-day MA of 6.21, indicating a bullish trend. The MACD of 0.14 indicates Positive momentum. The RSI at 69.74 is Neutral, neither overbought nor oversold. The STOCH value of 69.92 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for CMRB.
First Commerce Bank (Lakewood New Jersey) Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
61 Neutral | $152.64M | 10.90 | 3.61% | 1.42% | 23.59% | 163.01% | |
57 Neutral | $47.15M | 26.88 | 2.87% | ― | 8.66% | 958.30% | |
42 Neutral | $198.72M | -0.49 | -63.67% | 1.33% | -35.76% | -909.39% | |
41 Neutral | $13.17M | -83.02 | -0.48% | ― | 13.37% | -600.93% |
* Financial Sector Average
CMRB
First Commerce Bank (Lakewood New Jersey)
7.35
2.58
54.12%
CARV
Carver Bancorp
1.73
0.04
2.31%
GLBZ
Glen Burnie Bancorp
4.51
0.38
9.20%
KFFB
Kentucky First Federal Bancorp
6.34
3.14
98.12%
BAFN
BayFirst Financial Corp
7.29
-2.08
-22.20%
MBBC
Marathon Bancorp
15.40
5.07
49.08%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.