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First Commerce BancorpCMRB 55 Debt-to-Equity is 1.77 as of Dec. 2025, which is 354% above its 10-year median of 0.39. GuruFocus rates CMRB with a GF Score™ of 55/100 and a GF Value™ of $7.13 (Fairly Valued). The stock has 5 warning signs investors should review. Among 1,411 Banks companies, First Commerce Bancorp ranks worse than 87.46% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for First Commerce Bancorp's Debt-to-Equity or its related term are showing as below:
CMRB'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.06 Med: 0.39 Max: 1.77
Current: 2.29
During the past 7 years, the highest Debt-to-Equity Ratio of First Commerce Bancorp was 1.77. The lowest was 0.06. And the median was 0.39.
CMRB's Debt-to-Equity is ranked worse than 87.46% of 1411
companies
in the Banks industry
Industry Median: 0.58
vs CMRB: 2.29
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
First Commerce Bancorp Debt-to-Equity Related Terms
First Commerce Bancorp Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for First Commerce Bancorp's Debt-to-Equity can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
CMRB vs PONT, CBBI, PBCO: Debt-to-Equity Comparison
For the Banks - Regional subindustry, First Commerce Bancorp's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
First Commerce Bancorp Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, First Commerce Bancorp's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where First Commerce Bancorp's Debt-to-Equity falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
First Commerce Bancorp (CMRB) has a Debt-to-Equity of 1.77 as of Dec. 2025. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on First Commerce Bancorp and its competitors. This is 354% above median its historical median of 0.39. Over the past decade, First Commerce Bancorp's Debt-to-Equity has ranged from 0.06 to 1.77. According to the industry distribution chart, First Commerce Bancorp ranks #1234 out of 1411 companies in the Banks industry, placing it in the top 87.5%.
Is First Commerce Bancorp's Debt-to-Equity too high?
First Commerce Bancorp's current Debt-to-Equity of 1.77 is 354% above median its 10-year median of 0.39. Over the past 10 years, this metric has ranged from a low of 0.06 to a high of 1.77. The Banks industry median Debt-to-Equity is 0.58. First Commerce Bancorp's value of 1.77 is 205.2% above this industry median. Based on the distribution chart, First Commerce Bancorp ranks #1234 out of 1411 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, First Commerce Bancorp has a GF Score™ of 55/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does First Commerce Bancorp's Debt-to-Equity compare to PONT and CBBI?
According to the Banks industry distribution chart, First Commerce Bancorp ranks #1234 out of 1411 companies for Debt-to-Equity. This places First Commerce Bancorp in the lower half of its industry. The industry median Debt-to-Equity is 0.58. First Commerce Bancorp's value of 1.77 is 205.2% above this benchmark. Historically, First Commerce Bancorp's own Debt-to-Equity has ranged from 0.06 to 1.77 over the past decade. While the company's 10-year median is 0.39 vs. the industry median of 0.58, First Commerce Bancorp has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Equity for a Banks company?
The median Debt-to-Equity among Banks companies is 0.58, based on 1,411 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. First Commerce Bancorp's current Debt-to-Equity of 1.77 is 205.2% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on First Commerce Bancorp and its competitors. For the Banks industry, the median Debt-to-Equity is 0.58 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Commerce Bancorp's current Debt-to-Equity is 1.77, which is 354% above median its own 10-year median of 0.39. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is First Commerce Bancorp stock overvalued right now?
Based on GuruFocus' analysis, First Commerce Bancorp (CMRB) is currently considered Fairly Valued. The stock's GF Value™ is $7.13, compared to a current price of $7.32 — trading 2.7% above its estimated fair value. The current Debt-to-Equity is 1.77, which is 354% above median its 10-year median of 0.39 and 205.2% above the Banks industry median of 0.58. First Commerce Bancorp's overall GF Score™ is 55/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For First Commerce Bancorp (CMRB), the current Debt-to-Equity is 1.77 as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is First Commerce Bancorp (CMRB) Overvalued in 2026?
Based on GuruFocus' analysis, First Commerce Bancorp stock appears to be overvalued.
The current stock price of $7.32 is trading 2.7% above its estimated GF Value™ of $7.13.
GuruFocus considers First Commerce Bancorp to be Fairly Valued.
Key valuation signals for CMRB:
Debt-to-Equity: 1.77 (354% above median its 10-year median of 0.39)
GF Value™: $7.13 vs. price of $7.32 (2.7% above fair value)
Industry Position: 205.2% above the Banks median (#1234 of 1411)
No single metric tells the full story. See the CMRB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
First Commerce Bancorp Inc is a bank holding company. Through its banking subsidiary, it conducts a general commercial banking business, principally in the State of New Jersey, and provides full-service banking to individuals and businesses, which includes checking, savings, money market, and time deposit accounts, digital banking services, as well as commercial loans, commercial mortgages, construction loans, and residential and consumer loans. These services are offered through a network of banks' branch offices in Allentown, Bordentown, Closter, Englewood, Fairfield, Freehold, Jackson, Lakewood, Robbinsville, and Teaneck, New Jersey.
55GF Score
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