COMMERZBANK AG (1CBK.MI) Stock Fundamental Analysis
Europe - BIT:1CBK - DE000CBK1001 - Common Stock
33.54 EUR
-1.2 (-3.45%)
1CBK gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 96 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.
1. Profitability
1.1 Basic Checks
1CBK had positive earnings in the past year.
1CBK had a negative operating cash flow in the past year.
1CBK had positive earnings in 4 of the past 5 years.
In multiple years 1CBK reported negative operating cash flow during the last 5 years.
1.2 Ratios
Looking at the Return On Assets, with a value of 0.42%, 1CBK is doing worse than 75.00% of the companies in the same industry.
1CBK's Return On Equity of 7.15% is on the low side compared to the rest of the industry. 1CBK is outperformed by 63.54% 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
The Profit Margin of 1CBK (17.93%) is worse than 64.58% of its industry peers.
In the last couple of years the Profit Margin of 1CBK has grown nicely.
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
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.
1CBK has less shares outstanding than it did 5 years ago.
1CBK has a worse debt/assets ratio than last year.
2.2 Solvency
A Debt/Equity ratio of 2.24 is on the high side and indicates that 1CBK has dependencies on debt financing.
1CBK's Debt to Equity ratio of 2.24 is in line compared to the rest of the industry. 1CBK outperforms 48.96% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.24 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC13.26%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
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
1CBK is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 8.07% yearly.
The Revenue is expected to grow by 4.32% on average over the next years.
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
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.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 11.73, the valuation of 1CBK can be described as very reasonable.
Based on the Price/Earnings ratio, 1CBK is valued a bit more expensive than the industry average as 66.67% of the companies are valued more cheaply.
The average S&P500 Price/Earnings ratio is at 25.89. 1CBK is valued rather cheaply when compared to this.
Based on the Price/Forward Earnings ratio of 11.02, the valuation of 1CBK can be described as reasonable.
The rest of the industry has a similar Price/Forward Earnings ratio as 1CBK.
When comparing the Price/Forward Earnings ratio of 1CBK to the average of the S&P500 Index (34.59), we can say 1CBK is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.73 | ||
| Fwd PE | 11.02 |
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.
1CBK's earnings are expected to grow with 20.33% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.57
PEG (5Y)0.42
EPS Next 2Y20.4%
EPS Next 3Y20.33%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 2.08%, 1CBK has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 4.79, 1CBK's dividend is way lower than its industry peers. On top of this 85.42% 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 2.44.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.08% |
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
1CBK's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DPN/A
EPS Next 2Y20.4%
EPS Next 3Y20.33%
BIT:1CBK (11/14/2025, 7:00:00 PM)
33.54
-1.2 (-3.45%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners43.27%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap37.82B
Revenue(TTM)13.49B
Net Income(TTM)2.42B
Analysts56.52
Price Target33.67 (0.39%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.08% |
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)-2.37%
PT rev (3m)16.14%
EPS NQ rev (1m)0.85%
EPS NQ rev (3m)-0.42%
EPS NY rev (1m)0%
EPS NY rev (3m)13.38%
Revenue NQ rev (1m)-0.46%
Revenue NQ rev (3m)0.33%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.85%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.73 | ||
| Fwd PE | 11.02 | ||
| P/S | 2.8 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 1.12 | ||
| P/tB | 1.18 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.86
EY8.53%
EPS(NY)3.04
Fwd EY9.08%
FCF(TTM)-26.5
FCFYN/A
OCF(TTM)-26.5
OCFYN/A
SpS11.96
BVpS30.01
TBVpS28.42
PEG (NY)0.57
PEG (5Y)0.42
Graham Number43.94
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
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 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
WACC13.26%
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 FAQ
What is the ChartMill fundamental rating of COMMERZBANK AG (1CBK.MI) stock?
ChartMill assigns a fundamental rating of 3 / 10 to 1CBK.MI.
What is the valuation status of COMMERZBANK AG (1CBK.MI) stock?
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.
Can you provide the PE and PB ratios for 1CBK stock?
The Price/Earnings (PE) ratio for COMMERZBANK AG (1CBK.MI) is 11.73 and the Price/Book (PB) ratio is 1.12.
What is the earnings growth outlook for COMMERZBANK AG?
The Earnings per Share (EPS) of COMMERZBANK AG (1CBK.MI) is expected to grow by 20.52% in the next year.