First Commerce Bank (CMRB)

First Commerce Bancorp, Inc. is a bank holding company whose subsidiary, First Commerce Bank, provides commercial banking products and services to individuals and businesses in the United States. The bank’s offerings include personal deposit accounts such as checking, savings, money market, and certificates of deposit, along with business accounts covering checking, savings, escrow, and money market products. Its lending activities span commercial, small business, construction and land development, residential, consumer, SBA paycheck protection program, real estate, and commercial mortgage loans, as well as home equity and second mortgages, lines of credit, and Heter Iska financing. The company also provides debit and credit cards, treasury management, merchant services, mobile and online banking, Zelle, remote deposit, wire management, ACH origination, positive pay, stop payments, foreign check collection, and cash management-related services. Founded in 2006, First Commerce Bancorp is headquartered in Lakewood, New Jersey.


Jump between the core stock analysis sections, valuation data, fair value models, technical outlook, and FAQ.

Data update note: Fair value and stock analysis metrics are updated after regular market sessions when new data becomes available.
Ticker Fair Value Fair Value Upside/Downside Fair Value Rating Analyst Price Target Analyst Target Upside/Downside Analyst Target Rating Overall Financial Health Upcoming Dividend Ex-Date Dividend Payment Date Upcoming Dividend Dividend Yield Next Earnings Date P/E Ratio Price-to-Book Ratio Price-to-Sales Ratio Market Cap Enterprise Value Total Debt / Total Capital Free Float / Shares Outstanding Altman Z-Score Payout Ratio Free Cash Flow / Net Income
OTC-CMRB
$6.56
-0.6% Downside
Fair
Fair
0.6
9.1%
July 27, 2026
11.5x
0.7x
2.4x
112 M
74.2%
82.2%
-1.0
55.4%
Valuation • Fair Value

First Commerce Bank (OTC-CMRB) Fair Value by Valuation Model

Compare the primary fair value estimate for First Commerce Bank (OTC-CMRB) with model-based valuation references such as DCF, Ben Graham, DDM, EPV and comparable-company valuation.

Primary Valuation Read

Fair Value

$6.56

Estimated downside of 0.6% versus the current market price.

Fair Value Confidence

Med

Confidence level for the primary fair value estimate.

DCF Fair Value

NM

Discounted cash flow valuation reference.

Ben Graham Formula Value

$6.56

Classic Ben Graham valuation formula reference.

DDM Fair Value

NM

Dividend discount model valuation reference.

EPV Fair Value

NM

Earnings power value estimate.

Comps Fair Value

$6.56

Comparable-company valuation reference.

Analyst Price Target

Not available

Data is currently unavailable.

How to read these valuation models

Use this section to compare the primary fair value estimate for First Commerce Bank (OTC-CMRB) with several model-based valuation references. Different models can produce different outputs because each method relies on a different set of assumptions, so the primary fair value estimate should be read alongside the model spread rather than in isolation.

Profitability • Growth

Profitability & Growth for First Commerce Bank (OTC-CMRB)

A compact read on revenue, forward revenue expectations, EBITDA and operating profitability trends.

Revenue

47.495 M

Current operating scale indicator.

Revenue Forecast

52.486 M

Forward revenue estimate.

EBITDA

0 K

Current operating profitability reference.

EBITDA Forecast

Not available

Data is currently unavailable.

How to read profitability and growth

This section helps investors review First Commerce Bank (OTC-CMRB) from an operating perspective by combining current scale, forward revenue expectations and EBITDA-related profitability measures.

Quality • Risk

Quality & Financial Risk for First Commerce Bank (OTC-CMRB)

Review financial health, earnings quality and balance-sheet risk through Piotroski, Beneish, Altman and cash conversion metrics.

Financial Health

Fair

Mixed or neutral financial-health read.

Piotroski Score

6

Mid-range quality score.

Beneish M-Score

NM

Forensic accounting screen.

Altman Z-Score

-1.0

Lower score that deserves closer risk review.

FCF / Net Income

55.4%

Cash conversion quality indicator.

How to read quality and risk

This section combines quality, balance-sheet and accounting-risk indicators for First Commerce Bank (OTC-CMRB). Read the metrics together: no single score is a complete investment conclusion, but the combined view can highlight financial strength, earnings quality and areas that may deserve closer review.

Events • Dividends

Upcoming Events & Dividends for First Commerce Bank (OTC-CMRB)

Track the next earnings date, ex-dividend date, dividend payment date, dividend yield and upcoming distribution details where available.

Next Earnings Date

July 27, 2026

Days to Earnings

6

Dividend Payment Date

Not available

Ex-Dividend Date

Not available

Dividend Yield

9.1%

Income yield reference.

Upcoming Dividend

0.6

Upcoming distribution amount.

Payment Type

Not available

Data is currently unavailable.

Dividend Currency

USD

Currency used for the distribution.

Payout Ratio

Not available

Data is currently unavailable.

How to read events and dividends

This section helps investors track time-sensitive items for First Commerce Bank (OTC-CMRB), including the next earnings date and dividend-related milestones. These items can matter for short-term volatility, income planning and event-driven positioning.

Stock Forecast • Technical Outlook

First Commerce Bank (OTC-CMRB) Stock Forecast & Technical Outlook

Review First Commerce Bank (OTC-CMRB) across multiple technical time frames, alongside analyst recommendation data, to form a faster read on market positioning and near-term sentiment.

Technical Signals by Time Frame

Switch between time frames to review the current technical signal for the stock.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: 15-minute • intraday
Strong Sell

The 15-minute technical read for First Commerce Bank (OTC-CMRB) is currently Strong Sell. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: 1-hour • short-term
Strong Sell

The 1-hour technical read for First Commerce Bank (OTC-CMRB) is currently Strong Sell. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: daily • daily
Neutral

The daily technical read for First Commerce Bank (OTC-CMRB) is currently Neutral. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: weekly • weekly
Strong Buy

The weekly technical read for First Commerce Bank (OTC-CMRB) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: monthly • monthly
Strong Buy

The monthly technical read for First Commerce Bank (OTC-CMRB) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Analyst Consensus for First Commerce Bank (OTC-CMRB)

A consolidated view of buy, hold and sell recommendations based on the currently available analyst data.

Strong Sell Sell Neutral Buy Strong Buy
Consolidated analyst recommendation mix
Not available

Analyst recommendation data for First Commerce Bank (OTC-CMRB) is not currently available.

Buy 0
Hold 0
Sell 0
FAQ Fast Investor Answers

First Commerce Bank (OTC-CMRB) Stock FAQ

Quick answers about First Commerce Bank (OTC-CMRB) stock, including fair value, valuation rating, analyst price target, dividends, earnings dates, market capitalization, financial health and other key stock analysis metrics.

Fair Value
$6.56
Estimated downside 0.6%
Valuation Rating
Near Fair Value
Price is close to fair value
Analyst Target
Not available
Data is currently unavailable
Financial Health
Fair
Current financial-health read

The current fair value estimate for First Commerce Bank (OTC-CMRB) is $6.56. This implies an estimated downside of 0.6% versus the current market price.

Based on the current fair value estimate, the stock is trading close to its estimated fair value.

An analyst price target for First Commerce Bank (OTC-CMRB) is not currently available in the latest data file.

The current financial health read for First Commerce Bank (OTC-CMRB) is Fair. This should be reviewed alongside valuation, profitability, debt and cash-flow quality metrics.

The next earnings date currently listed for First Commerce Bank (OTC-CMRB) is July 27, 2026.

Based on the current data, dividend yield is 9.1%, upcoming dividend amount is 0.6.

The current P/E ratio listed for First Commerce Bank (OTC-CMRB) is 11.5x. Use it together with growth, margins and sector comparisons rather than as a standalone valuation signal.

The current market capitalization listed for First Commerce Bank is 112 M.

The ticker symbol for First Commerce Bank is OTC-CMRB, and the stock is listed on OTC Markets.

First Commerce Bank (OTC-CMRB) is listed on OTC Markets.

The current debt-to-total-capital ratio listed for First Commerce Bank is 74.2%, which helps investors evaluate the company’s financing structure and leverage profile.

The free float listed for First Commerce Bank is 82.2%. Free float helps investors understand how much of the share base is available for public trading.