COMMERZBANK AG (CBK.DE) Fundamental Analysis & Valuation

FRA:CBK • DE000CBK1001

Current stock price

34.11 EUR
-0.22 (-0.64%)
Last:

This CBK.DE fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

2

1. CBK.DE Profitability Analysis

1.1 Basic Checks

  • In the past year CBK was profitable.
  • In the past year CBK has reported a negative cash flow from operations.
  • CBK had positive earnings in 4 of the past 5 years.
  • The reported operating cash flow has been mixed in the past 5 years: CBK reported negative operating cash flow in multiple years.
CBK.DE Yearly Net Income VS EBIT VS OCF VS FCFCBK.DE 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

  • CBK has a Return On Assets of 0.42%. This is amonst the worse of the industry: CBK underperforms 80.19% of its industry peers.
  • CBK's Return On Equity of 7.15% is on the low side compared to the rest of the industry. CBK is outperformed by 66.04% of its industry peers.
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
CBK.DE Yearly ROA, ROE, ROICCBK.DE Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5 -5 -10

1.3 Margins

  • The Profit Margin of CBK (18.53%) is worse than 71.70% of its industry peers.
  • CBK's Profit Margin has improved in the last couple of years.
  • The Operating Margin and Gross Margin are not available for CBK so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 18.53%
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
CBK.DE Yearly Profit, Operating, Gross MarginsCBK.DE Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10 -10 -20

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0

2. CBK.DE Health Analysis

2.1 Basic Checks

  • CBK does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • There is no outstanding debt for CBK. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
CBK.DE Yearly Shares OutstandingCBK.DE Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M 1B
CBK.DE Yearly Total Debt VS Total AssetsCBK.DE 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

  • A Debt/Equity ratio of 2.24 is on the high side and indicates that CBK has dependencies on debt financing.
  • With a Debt to Equity ratio value of 2.24, CBK is not doing good in the industry: 60.38% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 2.24
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC13.33%
CBK.DE Yearly LT Debt VS Equity VS FCFCBK.DE 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
CBK.DE Yearly Current Assets VS Current LiabilitesCBK.DE 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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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

3

3. CBK.DE Growth Analysis

3.1 Past

  • CBK shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 38.10%, which is quite impressive.
  • The Earnings Per Share has been growing by 41.21% on average over the past years. This is a very strong growth
EPS 1Y (TTM)38.1%
EPS 3Y41.21%
EPS 5YN/A
EPS Q2Q%7.69%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%6.26%

3.2 Future

  • Based on estimates for the next years, CBK will show a small growth in Earnings Per Share. The EPS will grow by 6.25% on average per year.
  • The Revenue is expected to grow by 4.42% on average over the next years.
EPS Next Y4.55%
EPS Next 2Y12.12%
EPS Next 3Y14.08%
EPS Next 5Y6.25%
Revenue Next Year8.46%
Revenue Next 2Y7.55%
Revenue Next 3Y6.96%
Revenue Next 5Y4.42%

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.
CBK.DE Yearly Revenue VS EstimatesCBK.DE Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 5B 10B 15B
CBK.DE Yearly EPS VS EstimatesCBK.DE Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 0 1 2 3 4

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3

4. CBK.DE Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 11.76 indicates a reasonable valuation of CBK.
  • Based on the Price/Earnings ratio, CBK is valued a bit more expensive than the industry average as 62.26% of the companies are valued more cheaply.
  • When comparing the Price/Earnings ratio of CBK to the average of the S&P500 Index (26.91), we can say CBK is valued rather cheaply.
  • Based on the Price/Forward Earnings ratio of 11.25, the valuation of CBK can be described as reasonable.
  • CBK's Price/Forward Earnings ratio is in line with the industry average.
  • CBK's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 23.68.
Industry RankSector Rank
PE 11.76
Fwd PE 11.25
CBK.DE Price Earnings VS Forward Price EarningsCBK.DE 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
CBK.DE Per share dataCBK.DE EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 10 -10 20 -20 30

4.3 Compensation for Growth

  • The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
  • CBK's earnings are expected to grow with 14.08% in the coming years. This may justify a more expensive valuation.
PEG (NY)2.59
PEG (5Y)N/A
EPS Next 2Y12.12%
EPS Next 3Y14.08%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

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5. CBK.DE Dividend Analysis

5.1 Amount

  • CBK has a Yearly Dividend Yield of 3.60%. Purely for dividend investing, there may be better candidates out there.
  • CBK's Dividend Yield is slightly below the industry average, which is at 4.88.
  • CBK's Dividend Yield is rather good when compared to the S&P500 average which is at 1.89.
Industry RankSector Rank
Dividend Yield 3.6%

5.2 History

  • On average, the dividend of CBK grows each year by 11.38%, which is quite nice.
Dividend Growth(5Y)11.38%
Div Incr Years2
Div Non Decr Years3
CBK.DE Yearly Dividends per shareCBK.DE Yearly Dividends per shareYearly Dividends per share 2019 2020 2023 2024 2025 2026 0.2 0.4 0.6 0.8 1

5.3 Sustainability

  • CBK's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DPN/A
EPS Next 2Y12.12%
EPS Next 3Y14.08%
CBK.DE Yearly Income VS Free CF VS DividendCBK.DE 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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CBK.DE Fundamentals: All Metrics, Ratios and Statistics

COMMERZBANK AG

FRA:CBK (4/9/2026, 7:00:00 PM)

34.11

-0.22 (-0.64%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-11
Earnings (Next)05-08
Inst Owners36.77%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap38.46B
Revenue(TTM)N/A
Net Income(TTM)2.42B
Analysts71.43
Price Target38.32 (12.34%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 3.6%
Yearly Dividend0.34
Dividend Growth(5Y)11.38%
DPN/A
Div Incr Years2
Div Non Decr Years3
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)5
Avg Revenue beat(8)9.81%
Revenue beat(12)9
Avg Revenue beat(12)21.63%
Revenue beat(16)13
Avg Revenue beat(16)21.4%
PT rev (1m)1.6%
PT rev (3m)7.63%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)0.86%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.23%
Valuation
Industry RankSector Rank
PE 11.76
Fwd PE 11.25
P/S 2.95
P/FCF N/A
P/OCF N/A
P/B 1.14
P/tB 1.2
EV/EBITDA N/A
EPS(TTM)2.9
EY8.5%
EPS(NY)3.03
Fwd EY8.89%
FCF(TTM)-26.5
FCFYN/A
OCF(TTM)-26.5
OCFYN/A
SpS11.57
BVpS30.01
TBVpS28.42
PEG (NY)2.59
PEG (5Y)N/A
Graham Number44.25
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) 18.53%
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-Score4
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-Score4
WACC13.33%
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)38.1%
EPS 3Y41.21%
EPS 5YN/A
EPS Q2Q%7.69%
EPS Next Y4.55%
EPS Next 2Y12.12%
EPS Next 3Y14.08%
EPS Next 5Y6.25%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%6.26%
Revenue Next Year8.46%
Revenue Next 2Y7.55%
Revenue Next 3Y6.96%
Revenue Next 5Y4.42%
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 / CBK.DE Fundamental Analysis FAQ

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

ChartMill assigns a fundamental rating of 2 / 10 to CBK.DE.


What is the valuation status for CBK stock?

ChartMill assigns a valuation rating of 3 / 10 to COMMERZBANK AG (CBK.DE). This can be considered as Overvalued.


Can you provide the profitability details for COMMERZBANK AG?

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


Can you provide the PE and PB ratios for CBK stock?

The Price/Earnings (PE) ratio for COMMERZBANK AG (CBK.DE) is 11.76 and the Price/Book (PB) ratio is 1.14.


What is the financial health of COMMERZBANK AG (CBK.DE) stock?

The financial health rating of COMMERZBANK AG (CBK.DE) is 0 / 10.