CMRB (First Commerce Bancorp) EV-to-OCF: (As of Sep. 17, 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
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Director of Data and Quant Analytics at GuruFocus
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Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

CMRB First Commerce Bancorp Inc CMRB
55 GF Score
Price $7.32
GF Value $7.13
Valuation Fairly Valued
! 5 Warning Signs
View Full Analysis

What is First Commerce Bancorp EV-to-OCF?

EV-to-OCF is calculated as enterprise value divided by its cash flow from operations. As of today, First Commerce Bancorp's Enterprise Value is $386.43 Mil. First Commerce Bancorp does not have enough years/quarters to calculate its Cash Flow from Operations for the trailing twelve months (TTM) ended in Dec. 2025. Therefore, GuruFocus does not calculate First Commerce Bancorp's EV-to-OCF at this moment.

The historical rank and industry rank for First Commerce Bancorp's EV-to-OCF or its related term are showing as below:

CMRB' s EV-to-OCF Range Over the Past 10 Years
Min: 0.98   Med: 8   Max: 590.92
Current: 47.83

During the past 7 years, the highest EV-to-OCF of First Commerce Bancorp was 590.92. The lowest was 0.98. And the median was 8.00.

CMRB's EV-to-OCF is ranked worse than
95.9% of 1487 companies
in the Banks industry
Industry Median: 4.28 vs CMRB: 47.83

EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.

As of today (2026-09-17), First Commerce Bancorp's stock price is $7.32. First Commerce Bancorp does not have enough years/quarters to calculate its Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025. Therefore, GuruFocus does not calculate First Commerce Bancorp's PE Ratio (TTM) at this moment.

First Commerce Bancorp  (OTCPK:CMRB) EV-to-OCF Explanation

EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.

First Commerce Bancorp's PE Ratio (TTM) for today is calculated as:

PE Ratio (TTM)=Share Price (Today)/Earnings per Share (Diluted) (TTM)
=7.32/
=

Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Cash Flow from Operations is an important financial metric because it represents the cash generated from operating activities at a company's disposal. Companies with a low EV-to-OCF ratio, combined with a strong balance sheet are generally considered as undervalued.

First Commerce Bancorp EV-to-OCF Related Terms

First Commerce Bancorp EV-to-OCF Historical Data

* Premium members only.

The historical data trend for First Commerce Bancorp's EV-to-OCF 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.

First Commerce Bancorp EV-to-OCF Chart

First Commerce Bancorp Annual Data
Trend Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
EV-to-OCF
Get a 7-Day Free Trial 6.90 10.62 30.34 906.01 53.63

First Commerce Bancorp Quarterly Data
Dec23 Dec24 Dec25 Jun26
EV-to-OCF 0.00 0.00 0.00 0.00

CMRB vs PONT, CBBI, PBCO: EV-to-OCF Comparison

For the Banks - Regional subindustry, First Commerce Bancorp's EV-to-OCF, along with its competitors' market caps and EV-to-OCF 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 EV-to-OCF vs Banks Industry

For the Banks industry and Financial Services sector, First Commerce Bancorp's EV-to-OCF distribution charts can be found below:

* The bar in red indicates where First Commerce Bancorp's EV-to-OCF falls into.


CMRB
55GF Score
First Commerce Bancorp Inc CMRB
EV-to-OCF is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

First Commerce Bancorp EV-to-OCF Calculation

First Commerce Bancorp's EV-to-OCF for today is calculated as:

EV-to-OCF=Enterprise Value (Today)/Cash Flow from Operations (TTM)
=386.433/
=

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:

  • EV-to-OCF:
  • GF Value™: $7.13 vs. price of $7.32 (2.7% above fair value)
  • GF Score™: 55/100 with 5 warning signs

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 Business Description

Address 1700 Avenue of the States, Suite 301, Lakewood, NJ, USA, 08701
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

Get the complete analysis for CMRB

EV-to-OCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$7.32
Price
$7.13
GF Value