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First Commerce Bank (CMRB)

USD6.75 +0.00 (+0.00%)
US OTC Financial Services Banks - Regional
Address 105 River Avenue 8701
Lakewood, NJ, US
CEO Donald Mindiak
IPO 2018-01-24
ISIN US31985R1041

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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 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.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
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Signal Summary Loading…
Indicator 1D1W2W3W1M
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
Averages
Trend
Price
Levels
Draw
USD6.75 +0.00 (+0.00%)
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Volume Profile
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Liquidity & share structure
Average Volume
1.2K
Beta
0.06
Free Float %
0.0%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
+0.96% +0.00% +1.12% +1.12% +22.01% +1.28% +40.13% +13.87% +11.86% -2.77% -2.77%
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From To
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Annual Monthly Returns
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Daily Returns Distribution
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Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

From To

By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Price Targets & DCF
Current price
6.75
DCF (Unlevered) 5.63 -16.5%
DCF (Levered) 5.38 -20.3%

DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.

Quality scores
Altman Z-Score
0.21
Distress
Piotroski F-Score
5 / 9
Average
Composite Rating
B
Overall Score
3 / 5
Medium
DCF Score
4 / 5
High
ROE Score
2 / 5
Medium
ROA Score
3 / 5
Medium
D/E Score
1 / 5
Low
P/E Score
2 / 5
Medium
P/Book Score
4 / 5
High
Operational MOAT
  • Revenue growth
    +18.0% Q1'26: +18.6% (vs Q1'25)
  • EPS growth
    +95.2% Q1'26: +125.0% (vs Q1'25)
  • FCF margin
    Q1'26: +0.0% (vs Q1'25)
  • EBIT margin
    Q1'26: +17.7% (vs Q1'25)
  • ROIC
    Q1'26: +2.9% (vs Q1'25)
  • Share dilution
    -7.6% Q1'26: -6.9% (vs Q1'25)
  • Debt / EBITDA
    Q1'26: 17.55× (vs Q1'25)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
Theoretical Return — If Invested Today

* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
WACC components (optional)
Ke (Cost of Equity) = Rf + β (0.05) × ERP
WACC = 29% × Ke + 71% × Kd (16.1%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Intrinsic value (base): 5.63 Current price: 6.75
Enterprise Value: Equity Value: Terminal Value: TV as % of EV:

Base values reflect the latest available data for this company and market conditions.

Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-27 B 3/5 4/5 2/5 3/5 1/5 2/5 4/5
2026-05-26 B 3/5 4/5 2/5 3/5 1/5 2/5 4/5
2026-05-22 B 3/5 4/5 2/5 3/5 1/5 2/5 4/5
2026-05-18 B 3/5 4/5 2/5 3/5 1/5 2/5 4/5
2026-05-14 B- 3/5 3/5 2/5 3/5 1/5 2/5 4/5
2026-05-13 B- 3/5 3/5 2/5 3/5 1/5 2/5 4/5
2026-05-08 B- 3/5 3/5 2/5 3/5 1/5 2/5 4/5
2026-05-01 B- 3/5 3/5 2/5 3/5 1/5 2/5 4/5
2026-04-30 B- 3/5 3/5 2/5 3/5 1/5 2/5 4/5
2026-04-29 B- 3/5 3/5 2/5 3/5 1/5 2/5 4/5
2026-04-28 B- 3/5 3/5 2/5 3/5 1/5 2/5 4/5
2026-04-27 B- 3/5 3/5 2/5 3/5 1/5 2/5 4/5
2026-04-24 B 3/5 4/5 2/5 3/5 1/5 2/5 4/5
2026-04-16 B+ 3/5 4/5 3/5 4/5 1/5 2/5 4/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
21.36M
OE per share TTM
0.90
Owner's Yield
17.77%
Maintenance CapEx ratio
31.76%
Maint CapEx / Avg PPE
46.2%

Ownership Overview

Ownership breakdown

Ownership breakdown not available.

At a glance
Institutional holders
Total invested
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)

No beneficial ownership filings recorded.

Institutional Activity (13F)

Institutional ownership trend

Institutional history not available.

Top institutional holders

Top holders not available.

ETF Ownership

Top ETFs holding this stock

This company is not held by any ETF in our universe.

Insider Activity

Insider Activity — Latest Quarter

No insider activity available.

Insider buys vs sells (history)

Insider history not available.

Recent insider transactions

No recent insider transactions.

Executive team

Top executives
EBIT / Employee
64.7K
Shares Outstanding
20.78M

Executive compensation

Executive compensation (annual)

Executive compensation not available.

CEO compensation breakdown

No CEO compensation history available.

Proxy statements

Proxy statements (DEF 14A)

No proxy statements available for this company yet.

Recent SEC filings

Recent SEC filings

No SEC filings available for this company yet.

Executive team

NameTitleCompensationGender
Abraham Penzer Vice Chairman of the Board male
Danny R. Beagle Jr. Senior VP & Chief Risk Officer male
David J. Onderko Senior Vice President & Chief Financial Officer male
Donald Mindiak Chief Executive Officer, President & Director male
Gregory S. Garcia Executive Vice President & Chief Operating Officer male
Jill Ross Senior VP & Chief Experience Officer female
LaTifa Sciscoe Senior Vice President, Chief Technology Officer & Information Security Officer
Mary Kay Malec Senior Vice President & Human Resources Officer
Naqi Naqvi First Vice President & Chief Accounting Officer
Rhiannon Williams Senior Vice President & Chief Credit Officer
Thomas Bovino Chairman of the Board male
Tonia Thompson Senior Vice President & BSA/AML Compliance Officer
ESG Score History

No data available for this company.

Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

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Dividend yield history

Dividend history

Earnings history

Earnings reports

Stock splits