1CBK Fundamental Analysis - COMMERZBANK AG

Fundamental Rating

Overall 1CBK gets a fundamental rating of 3 out of 10. We evaluated 1CBK against 99 industry peers in the Banks industry. 1CBK has a bad profitability rating. Also its financial health evaluation is rather negative. 1CBK is not valued too expensively and it also shows a decent 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.

1CBK had positive earnings in 4 of the past 5 years.

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

With a Return On Assets value of 0.42%, 1CBK is not doing good in the industry: 73.74% of the companies in the same industry are doing better.

The Return On Equity of 1CBK (7.15%) is worse than 63.64% 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

1CBK's Profit Margin of 17.93% is on the low side compared to the rest of the industry. 1CBK is outperformed by 63.64% of its industry peers.

1CBK's Profit Margin has improved in the last couple of years.

1CBK does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.

		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.

1CBK has less shares outstanding than it did 1 year ago.

The number of shares outstanding for 1CBK has been reduced compared to 5 years ago.

The debt/assets ratio for 1CBK is higher compared to a year ago.

2.2 Solvency

1CBK has a Debt/Equity ratio of 2.24. This is a high value indicating a heavy dependency on external financing.

With a Debt to Equity ratio value of 2.24, 1CBK perfoms like the industry average, outperforming 47.47% 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

WACC13.5%

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.

Looking at the last year, 1CBK shows a small growth in Revenue. The Revenue has grown by 5.07% in the last 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

Based on estimates for the next years, 1CBK will show a quite strong growth in Earnings Per Share. The EPS will grow by 8.07% on average per year.

Based on estimates for the next years, 1CBK will show a small growth in Revenue. The Revenue will grow by 4.32% on average per year.

EPS Next Y20.52%

EPS Next 2Y20.4%

EPS Next 3Y20.33%

EPS Next 5Y8.07%

Revenue Next Year10.62%

Revenue Next 2Y8.66%

Revenue Next 3Y7.63%

Revenue Next 5Y4.32%

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.

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 10.67, the valuation of 1CBK can be described as very reasonable.

Compared to the rest of the industry, the Price/Earnings ratio of 1CBK is on the same level as its industry peers.

Compared to an average S&P500 Price/Earnings ratio of 27.69, 1CBK is valued rather cheaply.

With a Price/Forward Earnings ratio of 10.03, the valuation of 1CBK can be described as very reasonable.

Compared to the rest of the industry, the Price/Forward Earnings ratio of 1CBK is on the same level as its industry peers.

When comparing the Price/Forward Earnings ratio of 1CBK to the average of the S&P500 Index (23.18), we can say 1CBK is valued rather cheaply.

		Industry Rank	Sector Rank
PE	10.67
Fwd PE	10.03

4.2 Price Multiples

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

4.3 Compensation for Growth

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

1CBK's earnings are expected to grow with 20.33% in the coming years. This may justify a more expensive valuation.

PEG (NY)0.52

PEG (5Y)0.38

EPS Next 2Y20.4%

EPS Next 3Y20.33%

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5. Dividend

5.1 Amount

1CBK has a Yearly Dividend Yield of 2.11%. Purely for dividend investing, there may be better candidates out there.

Compared to an average industry Dividend Yield of 4.86, 1CBK's dividend is way lower than its industry peers. On top of this 90.91% of the companies listed in the same industry pay a better dividend than 1CBK!

Compared to an average S&P500 Dividend Yield of 2.34, 1CBK has a dividend comparable with the average S&P500 company.

		Industry Rank	Sector Rank
Dividend Yield	2.11%

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 2Y20.4%

EPS Next 3Y20.33%

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COMMERZBANK AG

BIT:1CBK (10/20/2025, 7:00:00 PM)

30.53

+0.96 (+3.25%)

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 Owners43.27%

Inst Owner ChangeN/A

Ins OwnersN/A

Ins Owner ChangeN/A

Market Cap34.42B

Analysts56.52

Price Target34.13 (11.79%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	2.11%

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)1.14%

PT rev (3m)17.72%

EPS NQ rev (1m)0%

EPS NQ rev (3m)0%

EPS NY rev (1m)1.46%

EPS NY rev (3m)13.38%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)0.84%

Revenue NY rev (1m)0%

Revenue NY rev (3m)2.4%

Valuation

		Industry Rank	Sector Rank
PE	10.67
Fwd PE	10.03
P/S	2.55
P/FCF	N/A
P/OCF	N/A
P/B	1.02
P/tB	1.07
EV/EBITDA	N/A

EPS(TTM)2.86

EY9.37%

EPS(NY)3.04

Fwd EY9.97%

FCF(TTM)-26.5

FCFYN/A

OCF(TTM)-26.5

OCFYN/A

SpS11.96

BVpS30.01

TBVpS28.42

PEG (NY)0.52

PEG (5Y)0.38

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

WACC13.5%

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 Y20.52%

EPS Next 2Y20.4%

EPS Next 3Y20.33%

EPS Next 5Y8.07%

Revenue 1Y (TTM)5.07%

Revenue growth 3Y8.47%

Revenue growth 5Y6.65%

Sales Q2Q%13.16%

Revenue Next Year10.62%

Revenue Next 2Y8.66%

Revenue Next 3Y7.63%

Revenue Next 5Y4.32%

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