First Commerce Bank (CMRB)
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No price history available.
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total net revenue | $m | 38 | 43 | 48 | 14 | 35 | 45 | 29 | - |
| Operating profit | $m | 11 | 17 | ||||||
| Net profit | $m | 11 | 17 | 17 | 14 | 5 | 8 | 12 | - |
| EPS reported | $ | 0.41 | 0.67 | ||||||
| Operating cashflow per share | $ | 0.40 | 0.00 | ||||||
| Capex per share | $ | 0.13 | 0.00 | ||||||
| FCF per share | $ | 0.28 | 0.00 | ||||||
| Free cash flow | $m | 6 | 0 | ||||||
| Net debt | $m | 174 | 362 | ||||||
| Book value equity | $m | 175 | 159 | ||||||
| Book value per share | $ | 8.73 | 9.96 | ||||||
| Number of shares | m | 20.08 | 15.98 | ||||||
| DPS (TTM paid) | $ | 0.00 | 0.15 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 15.22 | 14.55 | ||||||
| P/B LTM | x | 0.71 | 0.79 | ||||||
| P/S LTM | x | 2.76 | 4.34 | ||||||
| P/FCF LTM | x | 22.54 | 0.00 | ||||||
| EV/EBITDA LTM | x | 22.23 | 15.55 | ||||||
| EV/Sales LTM | x | 3.14 | 4.90 | ||||||
| Earnings Yield LTM | % | +6.57% | +6.87% | ||||||
| FCF Yield | % | +4.44% | 0.00% | ||||||
| Quality | |||||||||
| ROE | % | +4.71% | +7.48% | ||||||
| ROIC | % | +1.35% | +0.63% | ||||||
| Operating margin | % | +11.27% | +15.71% | ||||||
| Gross margin | % | +47.66% | +49.96% | ||||||
| FCF/Sales | % | +5.83% | 0.00% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | +95.24% | +219.05% | ||||||
| Sales Growth YoY | % | +29.78% | -17.52% | ||||||
| Net Income Growth YoY | % | +82.61% | +174.67% | ||||||
| FCF Growth | % | - | - | ||||||
| Operating Profit Growth | % | +91.94% | +195.21% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | 0.00% | +2.04% | ||||||
| Dividend Growth | % | -100.00% | +87.50% | ||||||
| Payout Ratio | % | 0.00% | 0.00% | ||||||
| FCF/Debt | x | 0.02 | 0.00 | ||||||
| Net Debt/EBITDA | x | 12.91 | 18.84 | ||||||
| EBIT/Net interest | x | 0.22 | 0.22 | ||||||
| Net debt/market cap | % | +3.39% | +2.25% | ||||||
| Net debt/Equity | x | 0.99 | 2.28 | ||||||
| Gross debt/equity | x | 1.77 | 2.29 | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
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 provides accounts such as business checking, statement savings, money market, and escrow sub-accounts. Additionally, it facilitates electronic payments through ACH origination and remote deposit functionalities. Individual customers can access personal checking, money market, and traditional savings accounts. The bank's lending portfolio encompasses various commercial and business loan options, including commercial mortgages, construction financing, Small Business Administration (SBA) loans, term loans, equipment financing, and lines of credit. Complementing these, First Commerce Bank also offers convenient services like safe deposit boxes, telephone and mobile banking, online banking with bill payment capabilities, debit cards, and wire transfer facilities. Its primary operational focus is within four New Jersey counties: Bergen, Mercer, Monmouth, and Ocean. Established in 2006, the institution initially operated as Northern State Bank before rebranding to First Commerce Bank in June 2011. Its main office is situated in Lakewood, New Jersey.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
No price history available.
Not enough data to calculate KvantraRank
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
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 provides accounts such as business checking, statement savings, money market, and escrow sub-accounts. Additionally, it facilitates electronic payments through ACH origination and remote deposit functionalities. Individual customers can access personal checking, money market, and traditional savings accounts. The bank's lending portfolio encompasses various commercial and business loan options, including commercial mortgages, construction financing, Small Business Administration (SBA) loans, term loans, equipment financing, and lines of credit. Complementing these, First Commerce Bank also offers convenient services like safe deposit boxes, telephone and mobile banking, online banking with bill payment capabilities, debit cards, and wire transfer facilities. Its primary operational focus is within four New Jersey counties: Bergen, Mercer, Monmouth, and Ocean. Established in 2006, the institution initially operated as Northern State Bank before rebranding to First Commerce Bank in June 2011. Its main office is situated in Lakewood, New Jersey.
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