Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
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.
First Commerce BancorpCMRB +0.27%56 EV-to-FCF is 56.58 as of Aug. 01, 2026, which is 1630% above its 10-year median of 3.27. GuruFocus rates CMRB with a GF Score™ of 56/100 and a GF Value™ of $7.09 (Fairly Valued). The stock has 6 warning signs investors should review. Among 1,191 Banks companies, First Commerce Bancorp ranks worse than 94.21% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, First Commerce Bancorp's Enterprise Value is $314.51 Mil.
First Commerce Bancorp's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was $5.56 Mil. Therefore, First Commerce Bancorp's EV-to-FCF for today is 56.58.
The historical rank and industry rank for First Commerce Bancorp's EV-to-FCF or its related term are showing as below:
CMRB'
s EV-to-FCF Range Over the Past 10 Years
Min: -96.72 Med: 3.27 Max: 56.83
Current: 56.58
During the past 7 years, the highest EV-to-FCF of First Commerce Bancorp was 56.83. The lowest was -96.72. And the median was 3.27.
CMRB's EV-to-FCF is ranked worse than 94.21% of 1191
companies
in the Banks industry
Industry Median: 7.15
vs CMRB: 56.58
EV-to-FCF 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 (OTCPK:CMRB) EV-to-FCF Explanation
EV-to-FCF 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:
First Commerce Bancorp's share price for today is $7.06.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. First Commerce Bancorp's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was $0.410.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
* 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.
For the Banks - Regional subindustry, First Commerce Bancorp's EV-to-FCF, along with its competitors' market caps and EV-to-FCF 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-FCF vs Banks Industry
For the Banks industry and Financial Services sector, First Commerce Bancorp's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where First Commerce Bancorp's EV-to-FCF falls into.
First Commerce Bancorp's current Enterprise Value is $314.51 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. First Commerce Bancorp's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was $5.56 Mil.
* 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 EV-to-FCF of 56.58 as of Aug. 01, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on First Commerce Bancorp and its competitors. This is 1630% above median its historical median of 3.27. According to the industry distribution chart, First Commerce Bancorp ranks #1122 out of 1191 companies in the Banks industry, placing it in the top 94.2%.
Is First Commerce Bancorp's EV-to-FCF too high?
First Commerce Bancorp's current EV-to-FCF of 56.58 is 1630% above median its 10-year median of 3.27. The Banks industry median EV-to-FCF is 7.15. First Commerce Bancorp's value of 56.58 is 691.3% above this industry median. Based on the distribution chart, First Commerce Bancorp ranks #1122 out of 1191 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, First Commerce Bancorp has a GF Score™ of 56/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does First Commerce Bancorp's EV-to-FCF compare to FFDF and LSBK?
According to the Banks industry distribution chart, First Commerce Bancorp ranks #1122 out of 1191 companies for EV-to-FCF. This places First Commerce Bancorp in the lower half of its industry. The industry median EV-to-FCF is 7.15. First Commerce Bancorp's value of 56.58 is 691.3% above this benchmark. While the company's 10-year median is 3.27 vs. the industry median of 7.15, 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 EV-to-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 7.15, based on 1,191 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. First Commerce Bancorp's current EV-to-FCF of 56.58 is 691.3% 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 EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on First Commerce Bancorp and its competitors. For the Banks industry, the median EV-to-FCF is 7.15 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Commerce Bancorp's current EV-to-FCF is 56.58, which is 1630% above median its own 10-year median of 3.27. 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 $7.09, compared to a current price of $7.06 — trading 0.4% below its estimated fair value. The current EV-to-FCF is 56.58, which is 1630% above median its 10-year median of 3.27 and 691.3% above the Banks industry median of 7.15. First Commerce Bancorp's overall GF Score™ is 56/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For First Commerce Bancorp (CMRB), the current EV-to-FCF is 56.58 as of Aug. 01, 2026. 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 undervalued.
The current stock price of $7.06 is trading 0.4% below its estimated GF Value™ of $7.09.
GuruFocus considers First Commerce Bancorp to be Fairly Valued.
Key valuation signals for CMRB:
EV-to-FCF: 56.58 (1630% above median its 10-year median of 3.27)
GF Value™: $7.09 vs. price of $7.06 (0.4% below fair value)
Industry Position: 691.3% above the Banks median (#1122 of 1191)
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.
56GF Score
Get the complete analysis for CMRB
EV-to-FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
CMRB has been successfully added to your 
