COMMERZBANK AG (1CBK.MI) Stock Fundamental Analysis

Europe • Euronext Milan • BIT:1CBK • DE000CBK1001

34.43 EUR
-0.53 (-1.52%)
Last: Jan 19, 2026, 07:00 PM
Fundamental Rating

3

Taking everything into account, 1CBK scores 3 out of 10 in our fundamental rating. 1CBK was compared to 111 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.


Dividend Valuation Growth Profitability Health

2

1. Profitability

1.1 Basic Checks

  • In the past year 1CBK was profitable.
  • 1CBK had a negative operating cash flow in the past year.
  • Of the past 5 years 1CBK 4 years were profitable.
  • In multiple years 1CBK reported negative operating cash flow during the last 5 years.
1CBK.MI Yearly Net Income VS EBIT VS OCF VS FCF1CBK.MI Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10B -10B 20B -20B 30B

1.2 Ratios

  • 1CBK's Return On Assets of 0.42% is on the low side compared to the rest of the industry. 1CBK is outperformed by 81.58% of its industry peers.
  • Looking at the Return On Equity, with a value of 7.15%, 1CBK is doing worse than 67.54% of the companies in the same industry.
Industry RankSector 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
1CBK.MI Yearly ROA, ROE, ROIC1CBK.MI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5 -5 -10

1.3 Margins

  • With a Profit Margin value of 17.93%, 1CBK is not doing good in the industry: 73.68% of the companies in the same industry are doing better.
  • 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 RankSector 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
1CBK.MI Yearly Profit, Operating, Gross Margins1CBK.MI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10 -10 -20

More info and screens

1

2. Health

2.1 Basic Checks

  • 1CBK does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • Compared to 1 year ago, 1CBK has less shares outstanding
  • 1CBK has less shares outstanding than it did 5 years ago.
  • The debt/assets ratio for 1CBK is higher compared to a year ago.
1CBK.MI Yearly Shares Outstanding1CBK.MI Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M 1B
1CBK.MI Yearly Total Debt VS Total Assets1CBK.MI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 100B 200B 300B 400B 500B

2.2 Solvency

  • 1CBK has a Debt/Equity ratio of 2.24. This is a high value indicating a heavy dependency on external financing.
  • 1CBK has a Debt to Equity ratio of 2.24. This is comparable to the rest of the industry: 1CBK outperforms 44.74% of its industry peers.
Industry RankSector Rank
Debt/Equity 2.24
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC13.36%
1CBK.MI Yearly LT Debt VS Equity VS FCF1CBK.MI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20B -20B 40B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
1CBK.MI Yearly Current Assets VS Current Liabilites1CBK.MI Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M 1B

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5

3. Growth

3.1 Past

  • The Earnings Per Share has grown by an impressive 61.02% over the past year.
  • The Earnings Per Share has been growing by 28.05% on average over the past years. This is a very strong growth
  • Looking at the last year, 1CBK shows a small growth in Revenue. The Revenue has grown by 5.26% in the last year.
  • 1CBK shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 6.65% yearly.
EPS 1Y (TTM)61.02%
EPS 3Y103.28%
EPS 5Y28.05%
EPS Q2Q%-1.85%
Revenue 1Y (TTM)5.26%
Revenue growth 3Y8.47%
Revenue growth 5Y6.65%
Sales Q2Q%7.42%

3.2 Future

  • Based on estimates for the next years, 1CBK will show a quite strong growth in Earnings Per Share. The EPS will grow by 8.03% on average per year.
  • The Revenue is expected to grow by 4.56% on average over the next years.
EPS Next Y16.59%
EPS Next 2Y20.88%
EPS Next 3Y20.65%
EPS Next 5Y8.03%
Revenue Next Year10.13%
Revenue Next 2Y9.15%
Revenue Next 3Y7.99%
Revenue Next 5Y4.56%

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.
1CBK.MI Yearly Revenue VS Estimates1CBK.MI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 5B 10B
1CBK.MI Yearly EPS VS Estimates1CBK.MI Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 0 1 2 3 4

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5

4. Valuation

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 12.08 indicates a correct valuation of 1CBK.
  • 1CBK's Price/Earnings is on the same level as the industry average.
  • The average S&P500 Price/Earnings ratio is at 28.18. 1CBK is valued rather cheaply when compared to this.
  • 1CBK is valuated reasonably with a Price/Forward Earnings ratio of 11.22.
  • 1CBK's Price/Forward Earnings ratio is in line with the industry average.
  • The average S&P500 Price/Forward Earnings ratio is at 25.51. 1CBK is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 12.08
Fwd PE 11.22
1CBK.MI Price Earnings VS Forward Price Earnings1CBK.MI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
1CBK.MI Per share data1CBK.MI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 10 -10 20 -20 30

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 20.65% in the coming years.
PEG (NY)0.73
PEG (5Y)0.43
EPS Next 2Y20.88%
EPS Next 3Y20.65%

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3

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 1.88%, 1CBK has a reasonable but not impressive dividend return.
  • Compared to an average industry Dividend Yield of 4.10, 1CBK's dividend is way lower than its industry peers. On top of this 83.33% of the companies listed in the same industry pay a better dividend than 1CBK!
  • 1CBK's Dividend Yield is comparable with the S&P500 average which is at 1.83.
Industry RankSector Rank
Dividend Yield 1.88%

5.2 History

  • The dividend of 1CBK is nicely growing with an annual growth rate of 11.38%!
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 2Y20.88%
EPS Next 3Y20.65%
1CBK.MI Yearly Income VS Free CF VS Dividend1CBK.MI Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10B -10B 20B -20B 30B

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COMMERZBANK AG

BIT:1CBK (1/19/2026, 7:00:00 PM)

34.43

-0.53 (-1.52%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)11-06
Earnings (Next)02-11
Inst Owners36.33%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap38.82B
Revenue(TTM)13.52B
Net Income(TTM)2.42B
Analysts68.57
Price Target35.61 (3.43%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 1.88%
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)0.92%
PT rev (3m)5.78%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-1.36%
EPS NY rev (1m)-1.25%
EPS NY rev (3m)-3.26%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.87%
Revenue NY rev (1m)-0.02%
Revenue NY rev (3m)-0.45%
Valuation
Industry RankSector Rank
PE 12.08
Fwd PE 11.22
P/S 2.88
P/FCF N/A
P/OCF N/A
P/B 1.15
P/tB 1.21
EV/EBITDA N/A
EPS(TTM)2.85
EY8.28%
EPS(NY)3.07
Fwd EY8.91%
FCF(TTM)-26.5
FCFYN/A
OCF(TTM)-26.5
OCFYN/A
SpS11.96
BVpS30.01
TBVpS28.42
PEG (NY)0.73
PEG (5Y)0.43
Graham Number43.87
Profitability
Industry RankSector 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
ROICexgc growth 3YN/A
ROICexgc 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 RankSector 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
WACC13.36%
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)61.02%
EPS 3Y103.28%
EPS 5Y28.05%
EPS Q2Q%-1.85%
EPS Next Y16.59%
EPS Next 2Y20.88%
EPS Next 3Y20.65%
EPS Next 5Y8.03%
Revenue 1Y (TTM)5.26%
Revenue growth 3Y8.47%
Revenue growth 5Y6.65%
Sales Q2Q%7.42%
Revenue Next Year10.13%
Revenue Next 2Y9.15%
Revenue Next 3Y7.99%
Revenue Next 5Y4.56%
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 FAQ

What is the ChartMill fundamental rating of COMMERZBANK AG (1CBK.MI) stock?

ChartMill assigns a fundamental rating of 3 / 10 to 1CBK.MI.


Can you provide the valuation status for COMMERZBANK AG?

ChartMill assigns a valuation rating of 5 / 10 to COMMERZBANK AG (1CBK.MI). This can be considered as Fairly Valued.


What is the profitability of 1CBK stock?

COMMERZBANK AG (1CBK.MI) has a profitability rating of 2 / 10.


What is the earnings growth outlook for COMMERZBANK AG?

The Earnings per Share (EPS) of COMMERZBANK AG (1CBK.MI) is expected to grow by 16.59% in the next year.