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First Commerce BancorpCMRB +0.27%56 FCF Margin % is 12.24% as of Dec. 2025, which is 63% below its 10-year median of 33.33. 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 1,502 Banks companies, First Commerce Bancorp ranks worse than 65.51% on this metric.
* 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 FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, First Commerce Bancorp's FCF Margin % distribution charts can be found below:
* The bar in red indicates where First Commerce Bancorp's FCF Margin % 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 FCF Margin % of 12.24% as of Dec. 2025. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on First Commerce Bancorp and its competitors. This is 63% below median its historical median of 33.33. According to the industry distribution chart, First Commerce Bancorp ranks #984 out of 1502 companies in the Banks industry, placing it in the top 65.5%.
Is First Commerce Bancorp's FCF Margin % too high?
First Commerce Bancorp's current FCF Margin % of 12.24% is 63% below median its 10-year median of 33.33. The Banks industry median FCF Margin % is 25.85. First Commerce Bancorp's value of 12.24% is 52.6% below this industry median. Based on the distribution chart, First Commerce Bancorp ranks #984 out of 1502 companies in the Banks industry, which is below the industry midpoint. 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 FCF Margin % compare to FFDF and LSBK?
According to the Banks industry distribution chart, First Commerce Bancorp ranks #984 out of 1502 companies for FCF Margin %. This places First Commerce Bancorp in the lower half of its industry. The industry median FCF Margin % is 25.85. First Commerce Bancorp's value of 12.24% is 52.6% below this benchmark. While the company's 10-year median is 33.33 vs. the industry median of 25.85, First Commerce Bancorp has consistently been below 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 FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 25.85, based on 1,502 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. First Commerce Bancorp's current FCF Margin % of 12.24% is 52.6% below 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on First Commerce Bancorp and its competitors. For the Banks industry, the median FCF Margin % is 25.85 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Commerce Bancorp's current FCF Margin % is 12.24%, which is 63% below median its own 10-year median of 33.33. 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 FCF Margin % is 12.24%, which is 63% below median its 10-year median of 33.33 and 52.6% below the Banks industry median of 25.85. 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 FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For First Commerce Bancorp (CMRB), the current FCF Margin % is 12.24% 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 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:
FCF Margin %: 12.24% (63% below median its 10-year median of 33.33)
GF Value™: $7.09 vs. price of $7.06 (0.4% below fair value)
Industry Position: 52.6% below the Banks median (#984 of 1502)
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
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