First Commerce Bank (Lakewood New Jersey) (CMRB) AI Stock Analysis

First Commerce Bank (Lakewood New Jersey)

(Other OTC:CMRB)

Select Model

Rating:59Neutral

Price Target:$7.50▼(-1.06% Downside)

Action:reiterated

Date:08/06/26

First Commerce Bank's stock receives a score of 59, reflecting a neutral to slightly bearish outlook. The primary drag is financial performance, where robust revenue growth is overshadowed by margin compression, increased leverage, and inconsistent cash flows. Technical indicators show a bullish trend but are overbought, suggesting limited near-term upside. Valuation is fair relative to peers, providing little additional catalyst. Investors should monitor the bank's ability to improve profitability and manage its debt load.

Positive Factors

Revenue accelerationSustained ~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 leverageA 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.

First Commerce Bank (Lakewood New Jersey) (CMRB) vs. SPDR S&P 500 ETF (SPY)

Market Cap: $157.53M
Dividend Yield: 1.99%
Average Volume (3M): 2,503
Price to Earnings (P/E): 11.3
Beta (1Y): 0.00
Revenue Growth: 23.59%
EPS Growth: 163.01%
Country: US
Employees: 166
Sector: Financial
Sector Strength: 68
Industry: Banks - Regional

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 provide...

How the Company Makes Money

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First Commerce Bank (Lakewood New Jersey) Financial Statement Overview

Summary

Revenue growth is strong, doubling over five years with a 31.8% surge in 2025. However, profitability and margins have declined, net profit margin fell to 8.7%, and gross margin to 47.7%. Balance sheet leverage increased sharply (debt/equity 1.77) and cash flow coverage of debt is weak. Overall financial performance is mixed, with growth offset by margin pressure and high leverage.

Income Statement

58Neutral

Balance Sheet

45Neutral

Cash Flow

52Neutral

Financial statement breakdown
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	5.56M	-2.01M	8.15M	21.12M	-3.85M
Operating Cash Flow	0	8.08M	329.00K	9.40M	21.64M	21.33M
Investing Cash Flow	0	-236.33M	-35.20M	-121.94M	-228.44M	-78.02M
Financing Cash Flow	0	232.19M	105.62M	131.67M	136.05M	73.75M

First Commerce Bank (Lakewood New Jersey) Technical Analysis

Technical Analysis SentimentPositive

Last Price7.58

Price Trends

50DMA7.36Positive

100DMA7.09Positive

200DMA6.65Positive

Market Momentum

MACD0.04Negative

RSI61.34Neutral

STOCH91.92Negative

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 7.58 is above the 20-day moving average (MA) of 7.38, above the 50-day MA of 7.36, and above the 200-day MA of 6.65, indicating a bullish trend. The MACD of 0.04 indicates Negative momentum. The RSI at 61.34 is Neutral, neither overbought nor oversold. The STOCH value of 91.92 is Negative, 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

Overall Rating

UnderperformOutperform

Sector (68)

Financial Indicators

CMRB against its peers
Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
Sector *	68Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
KFFB	62Neutral	$43.18M	22.64	3.86%	0.94%	8.69%	958.30%
CMRB	59Neutral	$128.15M	11.31	7.48%	1.99%	23.59%	163.01%
BAFN	52Neutral	$156.38M	-0.55	-42.84%	―	-40.59%	-260.03%
GLBZ	52Neutral	$12.19M	-154.13	-0.39%	―	17.13%	-395.56%

* Financial Sector Average

Performance Comparison

CMRB and its peers over the selected period
Ticker	Company Name	Price	Change	% Change
CMRB	First Commerce Bank (Lakewood New Jersey)	7.54	2.65	54.32%
CARV	Carver Bancorp	1.85	-1.29	-41.08%
GLBZ	Glen Burnie	4.17	-0.52	-10.98%
KFFB	Kentucky First Federal	5.34	1.39	35.12%
BAFN	BayFirst Financial Corp	5.80	-2.85	-32.95%
MBBC	Marathon Bancorp, Inc.	14.44	3.54	32.43%

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.

Date of analysis: Aug 06, 2026

First Commerce Bank (Lakewood New Jersey) AI Stock Analysis