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

• Market Cap: N/A
• Dividend Yield: N/A
• Average Volume (3M): 13.98K
• Price to Earnings (P/E): 15.2
• Beta (1Y): 0.03
• Revenue Growth: 11.50%
• EPS Growth: -24.76%
• Country: US
• Employees: 166
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.16
• Shares Outstanding: 20,782,110
• 10 Day Avg. Volume: 29,037
• 30 Day Avg. Volume: 13,983
• PEG Ratio: 0.16
• Price to Book (P/B): 0.71
• Price to Sales (P/S): 1.31
• P/FCF Ratio: 22.54
• Enterprise Value/Market Cap: 10.00T>
• Enterprise Value/Revenue: 4.15
• Enterprise Value/Gross Profit: 7.75
• Enterprise Value/Ebitda: 46.33
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 55 Neutral
• Price Target: $6.50 ▲(5.69% Upside)
• Action: Reiterated Date: 04/07/26
• Date: Action: Reiterated 04/07/26

The score is driven primarily by mixed financial performance: strong 2025 revenue acceleration and improved profitability are offset by volatile multi-year margins/cash flows and materially higher leverage. Technical indicators are bearish/oversold and weigh on the score, while the very high dividend yield supports valuation.

Positive Factors

Revenue acceleration & margin improvement

Sharp 2025 revenue acceleration with improving net margins indicates the core franchise gained traction or pricing power. Sustained top-line growth plus margin recovery drives operating leverage, supports better cash conversion and funds reinvestment or capital cushions over the medium term.

Negative Factors

Materially higher leverage

Leverage increasing sharply to ~1.77 materially raises financial and regulatory risk. Higher debt levels limit flexibility, heighten sensitivity to credit or rate shocks, and can force capital raises or constrain lending/distributions if conditions deteriorate over the medium term.

First Commerce Bank (Lakewood New Jersey) Business Overview & Revenue Model

Company Description

First Commerce Bank provides various banking products and services to small and medium-sized businesses, professional entities, and individuals. Its business banking products and services include checking, business statement savings, money market,...

Read more

First Commerce Bank provides various banking products and services to small and medium-sized businesses, professional entities, and individuals. Its business banking products and services include checking, business statement savings, money market,...

How the Company Makes Money

null...

First Commerce Bank (Lakewood New Jersey) Financial Statement Overview

Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	72.29M	95.28M	80.75M	46.64M	54.24M	47.04M
Gross Profit	38.68M	45.41M	34.99M	46.22M	47.64M	43.40M
EBITDA	6.47M	13.45M	7.58M	-740.00K	23.05M	23.58M
Net Income	5.27M	8.26M	4.52M	13.78M	16.59M	16.68M
Balance Sheet
Total Assets	1.69B	1.79B	1.55B	1.44B	1.29B	1.14B
Cash, Cash Equivalents and Short-Term Investments	0.00	136.42M	132.48M	61.72M	42.59M	113.34M
Total Debt	256.48M	310.06M	191.77M	130.00M	69.45M	9.79M
Total Liabilities	1.52B	1.62B	1.38B	1.26B	1.11B	963.90M
Stockholders Equity	171.00M	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

• Technical Analysis Sentiment: Positive
• Last Price: 6.15
• 50DMA: Negative
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: 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 6.15 is below the 20-day moving average (MA) of 6.21, below the 50-day MA of 6.39, and above the 200-day MA of 5.41, indicating a neutral trend. The MACD of -0.06 indicates Negative momentum. The RSI at 44.19 is Neutral, neither overbought nor oversold. The STOCH value of 60.53 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

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
CMRB	55 Neutral	―	15.17	3.61%	―	11.50%	-24.76%
KFFB	54 Neutral	$36.15M	30.97	1.71%	―	15.56%	―
GLBZ	51 Neutral	$13.72M	-427.49	0.09%	―	5.76%	-72.73%
BAFN	46 Neutral	$28.14M	-1.41	-23.19%	4.10%	1.63%	-508.72%