CMRB

First Commerce Bancorp, Inc.

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Price alert · CMRB

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7.58 USD 0.00 0.00%
As of Oct 30, 2026
7.48 Day range 7.48
4.80 52-week range 7.58
YTD
+21.47%
1 year
+57.92%
Open
7.48
Prev close
7.58
Mkt cap
128.64M
Vol
15
Avg vol
1.44K
EPS
0.41
P/E
18.49
More statistics
Low
7.48
High
7.48

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Financial health

Altman Z-Score

0.22 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

4 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

B-3 / 5 overall

  • DCF 3
  • Return on Equity 2
  • Return on Assets 2
  • Debt / Equity 1
  • P/E 3
  • P/B 4

Valuation

P/E 15.2×
FY 2016: 12.5×FY 2017: 10.2×FY 2018: 11.3×FY 2019: 14.9×FY 2020: 9.4×FY 2021: 8.2×FY 2022: 9.6×FY 2023: 10.6×FY 2024: 23.8×FY 2025: 15.2×
FY 2016 5y median 10.6× FY 2025
P/S 1.3×
FY 2016: 4.6×FY 2017: 3.7×FY 2018: 2.8×FY 2019: 2.9×FY 2020: 2.1×FY 2021: 2.9×FY 2022: 2.9×FY 2023: 3.1×FY 2024: 1.3×FY 2025: 1.3×
FY 2016 5y median 2.9× FY 2025
P/B 0.7×
FY 2016: 1.4×FY 2017: 1.2×FY 2018: 1.1×FY 2019: 1.0×FY 2020: 0.6×FY 2021: 0.8×FY 2022: 0.9×FY 2023: 0.8×FY 2024: 0.6×FY 2025: 0.7×
FY 2016 5y median 0.8× FY 2025
P/FCF 22.5×
FY 2016: 29.0×FY 2017: 8.6×FY 2018: 7.8×FY 2019: 10.7×FY 2020: 7.7×FY 2021: -35.4×FY 2022: 7.5×FY 2023: 18.0×FY 2024: -53.9×FY 2025: 22.5×
FY 2016 5y median 7.5× FY 2025
EV/EBITDA 22.2×
FY 2016: 2.8×FY 2017: 1.6×FY 2018: 3.2×FY 2019: 0.0×FY 2020: 0.8×FY 2021: 1.4×FY 2022: 8.1×FY 2023: 11.0×FY 2024: 22.1×FY 2025: 22.2×
FY 2016 5y median 11.0× FY 2025
EV/Sales 3.1×
FY 2016: 3.7×FY 2017: 2.0×FY 2018: 1.1×FY 2019: 1.7×FY 2020: 0.3×FY 2021: 0.7×FY 2022: 3.4×FY 2023: 4.6×FY 2024: 2.1×FY 2025: 3.1×
FY 2016 5y median 3.1× FY 2025
FCF Yield 4.4%
FY 2016: 3.5%FY 2017: 11.7%FY 2018: 12.7%FY 2019: 9.3%FY 2020: 13.0%FY 2021: -2.8%FY 2022: 13.3%FY 2023: 5.6%FY 2024: -1.9%FY 2025: 4.4%
FY 2016 5y median 4.4% FY 2025

Profitability

Gross Margin 47.7%
FY 2016: 100.0%FY 2017: 100.0%FY 2018: 100.0%FY 2019: 100.0%FY 2020: 100.0%FY 2021: 92.3%FY 2022: 87.8%FY 2023: 99.1%FY 2024: 43.3%FY 2025: 47.7%
FY 2016 5y median 87.8% FY 2025
Operating Margin 11.3%
FY 2016: 60.2%FY 2017: 57.8%FY 2018: 34.1%FY 2019: 29.9%FY 2020: 30.5%FY 2021: 47.7%FY 2022: 40.3%FY 2023: 39.5%FY 2024: 6.9%FY 2025: 11.3%
FY 2016 5y median 39.5% FY 2025
Net Margin 8.7%
FY 2016: 36.8%FY 2017: 36.9%FY 2018: 25.2%FY 2019: 19.5%FY 2020: 22.1%FY 2021: 35.5%FY 2022: 30.6%FY 2023: 29.5%FY 2024: 5.6%FY 2025: 8.7%
FY 2016 5y median 29.5% FY 2025
ROE 4.7%
FY 2016: 11.2%FY 2017: 11.5%FY 2018: 9.8%FY 2019: 6.6%FY 2020: 6.9%FY 2021: 9.7%FY 2022: 9.2%FY 2023: 7.5%FY 2024: 2.6%FY 2025: 4.7%
FY 2016 5y median 7.5% FY 2025
ROIC 1.4%
FY 2016: 1.4%FY 2017: 1.4%FY 2018: 2.2%FY 2019: 3.6%FY 2020: 2.9%FY 2021: 3.9%FY 2022: 1.3%FY 2023: 3.0%FY 2024: 0.3%FY 2025: 1.4%
FY 2016 5y median 1.4% FY 2025
ROA 0.5%
FY 2016: 1.3%FY 2017: 1.3%FY 2018: 1.3%FY 2019: 0.9%FY 2020: 1.0%FY 2021: 1.5%FY 2022: 1.3%FY 2023: 1.0%FY 2024: 0.3%FY 2025: 0.5%
FY 2016 5y median 1.0% FY 2025

Growth (YoY)

Revenue 18.0%
FY 2016: 39.2%FY 2017: 16.5%FY 2018: 38.9%FY 2019: -5.4%FY 2020: -1.5%FY 2021: -1.6%FY 2022: 15.3%FY 2023: -14.0%FY 2024: 73.1%FY 2025: 18.0%
FY 2016 FY 2025
Operating Income 91.9%
FY 2016: 55.2%FY 2017: 11.8%FY 2018: -18.0%FY 2019: -16.9%FY 2020: 0.4%FY 2021: 53.8%FY 2022: -2.5%FY 2023: -15.7%FY 2024: -69.6%FY 2025: 91.9%
FY 2016 FY 2025
EPS (diluted) 95.2%
FY 2016: 6.1%FY 2017: 13.5%FY 2018: -5.1%FY 2019: -26.8%FY 2020: 12.2%FY 2021: 54.3%FY 2022: -2.8%FY 2023: -15.9%FY 2024: -63.8%FY 2025: 95.2%
FY 2016 FY 2025
Free Cash Flow 376.6%
FY 2016: -51.2%FY 2017: 217.9%FY 2018: 15.7%FY 2019: -28.9%FY 2020: -3.2%FY 2021: -130.1%FY 2022: 649.1%FY 2023: -61.4%FY 2024: -124.7%FY 2025: 376.6%
FY 2016 FY 2025

Financial Health

Current Ratio 0.1×
FY 2016: 148×FY 2017: 269×FY 2018: 0.3×FY 2019: 0.1×FY 2020: 0.2×FY 2021: 0.2×FY 2022: 51.6×FY 2023: 0.1×FY 2024: 0.9×FY 2025: 0.1×
FY 2016 5y median 0.2× FY 2025
Quick Ratio 0.1×
FY 2016: 148×FY 2017: 269×FY 2018: 0.3×FY 2019: 0.2×FY 2020: 0.2×FY 2021: 0.3×FY 2022: 99.1×FY 2023: 0.1×FY 2024: 0.9×FY 2025: 0.1×
FY 2016 5y median 0.3× FY 2025
Debt / Equity 1.8×
FY 2016: 0.0×FY 2017: 0.0×FY 2018: 0.0×FY 2019: 0.1×FY 2020: 0.1×FY 2021: 0.1×FY 2022: 0.4×FY 2023: 0.7×FY 2024: 1.1×FY 2025: 1.8×
FY 2016 5y median 0.7× FY 2025
Net Debt / EBITDA 12.9×
FY 2016: -0.7×FY 2017: -1.3×FY 2018: -5.3×FY 2019: 0.0×FY 2020: -5.5×FY 2021: -4.4×FY 2022: 1.2×FY 2023: 3.5×FY 2024: 7.8×FY 2025: 12.9×
FY 2016 5y median 3.5× FY 2025
Interest Coverage 0.2×
FY 2016: 0.0×FY 2017: 0.0×FY 2018: 0.0×FY 2019: 1.0×FY 2020: 1.5×FY 2021: 6.2×FY 2022: 3.3×FY 2023: 0.6×FY 2024: 0.1×FY 2025: 0.2×
FY 2016 5y median 0.6× FY 2025

Dividends

Dividend Yield 0.0%
FY 2016: 0.0%FY 2017: 0.0%FY 2018: 0.0%FY 2019: 0.0%FY 2020: 0.0%FY 2021: 0.0%FY 2022: 5.8%FY 2023: 2.6%FY 2024: 1.6%FY 2025: 0.0%
FY 2016 5y median 1.6% FY 2025
Payout Ratio 0.0%
FY 2016: 0.0%FY 2017: 0.0%FY 2018: 0.0%FY 2019: 0.0%FY 2020: 0.0%FY 2021: 0.0%FY 2022: 55.9%FY 2023: 27.3%FY 2024: 39.3%FY 2025: 0.0%
FY 2016 5y median 27.3% FY 2025

Annual · latest fiscal year ends 2025-12-31