1CBK Fundamental Analysis - COMMERZBANK AG

Fundamental Rating

1CBK gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 95 industry peers in the Banks industry. 1CBK may be in some trouble as it scores bad on both profitability and health. 1CBK has a correct valuation and a medium growth rate.

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1. Profitability

1.1 Basic Checks

1CBK had positive earnings in the past year.

In the past year 1CBK has reported a negative cash flow from operations.

Of the past 5 years 1CBK 4 years were profitable.

The reported operating cash flow has been mixed in the past 5 years: 1CBK reported negative operating cash flow in multiple years.

1.2 Ratios

The Return On Assets of 1CBK (0.42%) is worse than 73.68% of its industry peers.

1CBK has a worse Return On Equity (7.15%) than 63.16% of its industry peers.

		Industry Rank	Sector Rank
ROA	0.42%
ROE	7.15%
ROIC	N/A

ROA(3y)0.37%

ROA(5y)0.12%

ROE(3y)5.88%

ROE(5y)1.6%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

Looking at the Profit Margin, with a value of 17.93%, 1CBK is doing worse than 62.11% of the companies in the same industry.

In the last couple of years the Profit Margin of 1CBK has grown nicely.

The Operating Margin and Gross Margin are not available for 1CBK so they could not be analyzed.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	17.93%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y87.93%

PM growth 5Y25.01%

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

1CBK does not have a ROIC to compare to the WACC, probably because it is not profitable.

The number of shares outstanding for 1CBK has been reduced compared to 1 year ago.

1CBK has less shares outstanding than it did 5 years ago.

Compared to 1 year ago, 1CBK has a worse debt to assets ratio.

2.2 Solvency

A Debt/Equity ratio of 2.24 is on the high side and indicates that 1CBK has dependencies on debt financing.

With a Debt to Equity ratio value of 2.24, 1CBK perfoms like the industry average, outperforming 46.32% of the companies in the same industry.

		Industry Rank	Sector Rank
Debt/Equity	2.24
Debt/FCF	N/A
Altman-Z	N/A

ROIC/WACCN/A

WACC13.04%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 60.22% over the past year.

Measured over the past years, 1CBK shows a very strong growth in Earnings Per Share. The EPS has been growing by 28.05% on average per year.

The Revenue has been growing slightly by 5.07% in the past year.

Measured over the past years, 1CBK shows a small growth in Revenue. The Revenue has been growing by 6.65% on average per year.

EPS 1Y (TTM)60.22%

EPS 3Y103.28%

EPS 5Y28.05%

EPS Q2Q%206.9%

Revenue 1Y (TTM)5.07%

Revenue growth 3Y8.47%

Revenue growth 5Y6.65%

Sales Q2Q%13.16%

3.2 Future

The Earnings Per Share is expected to grow by 8.14% on average over the next years. This is quite good.

The Revenue is expected to grow by 4.38% on average over the next years.

EPS Next Y18.79%

EPS Next 2Y20.49%

EPS Next 3Y20.35%

EPS Next 5Y8.14%

Revenue Next Year10.53%

Revenue Next 2Y8.63%

Revenue Next 3Y7.6%

Revenue Next 5Y4.38%

3.3 Evolution

The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.

The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.

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4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 12.69, 1CBK is valued correctly.

74.74% of the companies in the same industry are cheaper than 1CBK, based on the Price/Earnings ratio.

1CBK's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.03.

A Price/Forward Earnings ratio of 11.91 indicates a reasonable valuation of 1CBK.

1CBK's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. 1CBK is more expensive than 71.58% of the companies in the same industry.

1CBK is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 22.63, which is the current average of the S&P500 Index.

		Industry Rank	Sector Rank
PE	12.69
Fwd PE	11.91

4.2 Price Multiples

		Industry Rank	Sector Rank
P/FCF	N/A
EV/EBITDA	N/A

4.3 Compensation for Growth

1CBK's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.

A more expensive valuation may be justified as 1CBK's earnings are expected to grow with 20.35% in the coming years.

PEG (NY)0.68

PEG (5Y)0.45

EPS Next 2Y20.49%

EPS Next 3Y20.35%

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5. Dividend

5.1 Amount

1CBK has a Yearly Dividend Yield of 1.72%.

With a Dividend Yield of 1.72, 1CBK pays less dividend than the industry average, which is at 4.83. 95.79% of the companies listed in the same industry pay a better dividend than 1CBK!

1CBK's Dividend Yield is slightly below the S&P500 average, which is at 2.34.

		Industry Rank	Sector Rank
Dividend Yield	1.72%

5.2 History

On average, the dividend of 1CBK grows each year by 11.38%, which is quite nice.

Dividend Growth(5Y)11.38%

Div Incr YearsN/A

Div Non Decr YearsN/A

5.3 Sustainability

The dividend of 1CBK is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.

DPN/A

EPS Next 2Y20.49%

EPS Next 3Y20.35%

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COMMERZBANK AG

BIT:1CBK (8/25/2025, 7:00:00 PM)

36.3

-1.56 (-4.12%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)08-06 2025-08-06/bmo

Earnings (Next)11-06 2025-11-06

Inst Owners41.92%

Inst Owner ChangeN/A

Ins OwnersN/A

Ins Owner ChangeN/A

Market Cap40.93B

Analysts72.73

Price Target33.33 (-8.18%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	1.72%

Yearly Dividend0.34

Dividend Growth(5Y)11.38%

DPN/A

Div Incr YearsN/A

Div Non Decr YearsN/A

Ex-DateN/A

Surprises & Revisions

EPS beat(2)2

Avg EPS beat(2)30.76%

Min EPS beat(2)18.81%

Max EPS beat(2)42.7%

EPS beat(4)4

Avg EPS beat(4)44.19%

Min EPS beat(4)18.81%

Max EPS beat(4)83.22%

EPS beat(8)7

Avg EPS beat(8)24.3%

EPS beat(12)9

Avg EPS beat(12)15.64%

EPS beat(16)12

Avg EPS beat(16)23.5%

Revenue beat(2)1

Avg Revenue beat(2)-0.67%

Min Revenue beat(2)-1.44%

Max Revenue beat(2)0.1%

Revenue beat(4)3

Avg Revenue beat(4)0.58%

Min Revenue beat(4)-1.44%

Max Revenue beat(4)2.64%

Revenue beat(8)6

Avg Revenue beat(8)6.69%

Revenue beat(12)10

Avg Revenue beat(12)12.71%

Revenue beat(16)14

Avg Revenue beat(16)14.71%

PT rev (1m)14.96%

PT rev (3m)36.81%

EPS NQ rev (1m)0%

EPS NQ rev (3m)5.8%

EPS NY rev (1m)11.75%

EPS NY rev (3m)11.75%

Revenue NQ rev (1m)0.8%

Revenue NQ rev (3m)3.57%

Revenue NY rev (1m)2.32%

Revenue NY rev (3m)2.32%

Valuation

		Industry Rank	Sector Rank
PE	12.69
Fwd PE	11.91
P/S	3.03
P/FCF	N/A
P/OCF	N/A
P/B	1.21
P/tB	1.28
EV/EBITDA	N/A

EPS(TTM)2.86

EY7.88%

EPS(NY)3.05

Fwd EY8.4%

FCF(TTM)-26.5

FCFYN/A

OCF(TTM)-26.5

OCFYN/A

SpS11.96

BVpS30.01

TBVpS28.42

PEG (NY)0.68

PEG (5Y)0.45

Profitability

		Industry Rank	Sector Rank
ROA	0.42%
ROE	7.15%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	17.93%
GM	N/A
FCFM	N/A

ROA(3y)0.37%

ROA(5y)0.12%

ROE(3y)5.88%

ROE(5y)1.6%

ROIC(3y)N/A

ROIC(5y)N/A

ROICexc(3y)N/A

ROICexc(5y)N/A

ROICexgc(3y)N/A

ROICexgc(5y)N/A

ROCE(3y)N/A

ROCE(5y)N/A

ROICexcg growth 3YN/A

ROICexcg growth 5YN/A

ROICexc growth 3YN/A

ROICexc growth 5YN/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y87.93%

PM growth 5Y25.01%

GM growth 3YN/A

GM growth 5YN/A

F-Score5

Asset Turnover0.02

Health

		Industry Rank	Sector Rank
Debt/Equity	2.24
Debt/FCF	N/A
Debt/EBITDA	N/A
Cap/Depr	N/A
Cap/Sales	N/A
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	N/A
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score5

WACC13.04%

ROIC/WACCN/A

Cap/Depr(3y)98.87%

Cap/Depr(5y)65.9%

Cap/Sales(3y)7.2%

Cap/Sales(5y)8.01%

Profit Quality(3y)N/A

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)60.22%

EPS 3Y103.28%

EPS 5Y28.05%

EPS Q2Q%206.9%

EPS Next Y18.79%

EPS Next 2Y20.49%

EPS Next 3Y20.35%

EPS Next 5Y8.14%

Revenue 1Y (TTM)5.07%

Revenue growth 3Y8.47%

Revenue growth 5Y6.65%

Sales Q2Q%13.16%

Revenue Next Year10.53%

Revenue Next 2Y8.63%

Revenue Next 3Y7.6%

Revenue Next 5Y4.38%

EBIT growth 1YN/A

EBIT growth 3YN/A

EBIT growth 5YN/A

EBIT Next YearN/A

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y-55.23%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y-55.23%

OCF growth 3YN/A

OCF growth 5YN/A

COMMERZBANK AG (1CBK.MI) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens