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First Commerce BancorpCMRB +0.27%56 Pretax Margin % is 23.65% as of Dec. 2025, which is 41% below its 10-year median of 39.79. 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 1,526 Banks companies, First Commerce Bancorp ranks worse than 75.03% on this metric.
First Commerce Bancorp (OTCPK:CMRB) Pretax Margin % Explanation
The pretax margin, as know as pretax profit margin, is widely used to measure the operating efficiency of a company before deducting taxes.
The pretax margin is sometimes preferred over the net margin as tax expenditures can make profitability comparisons between companies misleading.
It is a useful tool to compare companies operating in the same sector and less effective when comparing companies from other sectors as each industry generally has different operating expenses and sales patterns.
The long term trend of the pretax margin is a good indicator of the competitiveness and health of the business.
First Commerce Bancorp Pretax Margin % Related Terms
First Commerce Bancorp Pretax Margin % Historical Data
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The historical data trend for First Commerce Bancorp's Pretax Margin % 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 FFDF, LSBK, PONT: Pretax Margin % Comparison
For the Banks - Regional subindustry, First Commerce Bancorp's Pretax Margin %, along with its competitors' market caps and Pretax 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 Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, First Commerce Bancorp's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where First Commerce Bancorp's Pretax 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 Pretax Margin % of 23.65% as of Dec. 2025. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on First Commerce Bancorp and its competitors. This is 41% below median its historical median of 39.79. Over the past decade, First Commerce Bancorp's Pretax Margin % has ranged from 16.07 to 51.68. According to the industry distribution chart, First Commerce Bancorp ranks #1145 out of 1526 companies in the Banks industry, placing it in the top 75%.
Is First Commerce Bancorp's Pretax Margin % too high?
First Commerce Bancorp's current Pretax Margin % of 23.65% is 41% below median its 10-year median of 39.79. Over the past 10 years, this metric has ranged from a low of 16.07 to a high of 51.68. The Banks industry median Pretax Margin % is 35.36. First Commerce Bancorp's value of 23.65% is 33.1% below this industry median. Based on the distribution chart, First Commerce Bancorp ranks #1145 out of 1526 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 Pretax Margin % compare to FFDF and LSBK?
According to the Banks industry distribution chart, First Commerce Bancorp ranks #1145 out of 1526 companies for Pretax Margin %. This places First Commerce Bancorp in the lower half of its industry. The industry median Pretax Margin % is 35.36. First Commerce Bancorp's value of 23.65% is 33.1% below this benchmark. Historically, First Commerce Bancorp's own Pretax Margin % has ranged from 16.07 to 51.68 over the past decade. While the company's 10-year median is 39.79 vs. the industry median of 35.36, 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 Pretax Margin % for a Banks company?
The median Pretax Margin % among Banks companies is 35.36, based on 1,526 companies in the industry. Companies in the top quartile (top 25%) have a Pretax Margin % significantly above this median, while those in the bottom quartile fall well below. However, Pretax Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. First Commerce Bancorp's current Pretax Margin % of 23.65% is 33.1% 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 Pretax Margin % mean?
A high Pretax Margin % can signal that a stock is expensive relative to its fundamentals. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on First Commerce Bancorp and its competitors. For the Banks industry, the median Pretax Margin % is 35.36 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Commerce Bancorp's current Pretax Margin % is 23.65%, which is 41% below median its own 10-year median of 39.79. 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 Pretax Margin % is 23.65%, which is 41% below median its 10-year median of 39.79 and 33.1% below the Banks industry median of 35.36. 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 Pretax Margin % calculated?
Pretax Margin % is calculated from a company's financial statements. For First Commerce Bancorp (CMRB), the current Pretax Margin % is 23.65% 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:
Pretax Margin %: 23.65% (41% below median its 10-year median of 39.79)
GF Value™: $7.09 vs. price of $7.06 (0.4% below fair value)
Industry Position: 33.1% below the Banks median (#1145 of 1526)
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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