First Commerce Bank

UNDERVALUEDCMRB · OTC · Financial Services
CMRB·OTC·Financial Services
UNDERVALUED
First Commerce Bank
47.7%upside
MARKET PRICE
$6.25
FAIR PRICE
$9.23
MARGIN
$2.98
UNDERVALUEDFAIROVERVALUED
P/E RATIO
20.7x
DIV. YIELD
0.80%
ROE
3.6%
MARKET CAP
$130M
FPI
fairpriceindex.com

FAIR PRICE VALUATION

47.7%upside

Updated daily

Model: DCF 50% · Relative 30% · Consensus 20%

MARKET PRICE

$6.25

FAIR PRICE

$9.23

MARGIN

$2.98

UNDERVALUEDFAIROVERVALUED

P/E Ratio

20.7x

What is P/E? →

Div. Yield

0.80%

ROE

3.6%

Average

Market Cap

$130M

Small-cap

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FPI RATING

2.9/ 10

Attractive valuation, but limited growth momentum and weak profitability margins.

Analytical data, not an investment recommendation. Updated daily.

How we calculate this ↗

MARGIN OF SAFETY

A 20% margin of safety below fair value — the conservative entry level for risk-aware investors.

$7.38CONSERVATIVE ENTRY
$9.23FAIR PRICE
$6.25MARKET PRICE

SAFETY MARGIN

20%

Below fair value

ENTRY LEVEL

$7.38

Fair price × 0.80

DISTANCE

18.1%

Price to entry level

At the current price of $6.25, CMRB trades 18.1% below the conservative entry level of $7.38. The stock is currently priced below the 20% margin of safety threshold, indicating a potential value opportunity based on the model.

Margin of safety is a risk management concept, not an investment recommendation. The 20% threshold follows Benjamin Graham's value investing framework. Fair price and entry levels are model-based estimates updated daily. Learn more about Margin of Safety ↗

VALUATION HISTORY

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P/E RATIO HISTORY

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METHODOLOGY

How we calculate CMRB's fair price

First Commerce Bank's fair price of $9.23 is derived from a blended model that combines DCF analysis (50%), relative valuation against Financial Services peers using metrics like P/E and EV/EBITDA (30%), and analyst consensus (20%). At the current market price of $6.25, CMRB trades 47.7% below its calculated fair value.

DCF MODEL · 50%

Discounted free cash flow analysis based on projected cash flows, discounted at a rate reflecting CMRB's risk profile.

RELATIVE · 30%

Comparing CMRB's valuation multiples against Financial Services peers to determine if the stock is over or undervalued relative to its industry.

ANALYST · 20%

Aggregated analyst price targets for CMRB, weighted by recency and analyst accuracy.

TRY IT YOURSELF

Want to test your own assumptions? Use our free calculators to estimate CMRB's fair value with your own inputs.

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FAQ

What is the fair price of CMRB?+

Based on our blended model combining DCF analysis (50%), relative valuation against Financial Services peers (30%), and analyst consensus (20%), the fair price for First Commerce Bank is $9.23. At the current market price of $6.25, CMRB trades 47.7% below its calculated fair value.

Is CMRB overvalued or undervalued?+

First Commerce Bank is currently undervalued based on our valuation model. The stock trades at $6.25, which is 47.7% below the fair price of $9.23. The P/E ratio of 20.7x is a key metric in the valuation.

What is the margin of safety for CMRB?+

With a 20% margin of safety applied to the fair price of $9.23, the conservative entry level for CMRB is $7.38. At the current market price of $6.25, the stock trades 18.1% below this entry level. Margin of safety is a risk management concept from Benjamin Graham's value investing framework, not an investment recommendation.

How often is CMRB's fair price updated?+

We update fair price calculations for CMRB daily after market close. The current fair price of $9.23 incorporates the latest market data and sector multiples.

What factors affect CMRB's fair price calculation?+

CMRB's fair price of $9.23 is derived from DCF analysis (50% weight), relative valuation against Financial Services peers (30% weight), and analyst consensus (20% weight). Key metrics include P/E of 20.7x, ROE of 3.6%, and dividend yield of 0.80%.

Is CMRB a good buy right now?+

At $6.25, CMRB trades 47.7% below our fair value estimate of $9.23. The stock is currently undervalued. ROE stands at 3.6% (average). Fair Price Index provides valuation data — always do your own research before investing.

Does CMRB pay dividends?+

CMRB has a dividend yield of 0.80%.

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Fair Price Index is for informational purposes only and does not constitute investment advice. Fair value calculations are model-based estimates and may not reflect actual market conditions. Always conduct your own research before making investment decisions.