CBK Fundamental Analysis - COMMERZBANK AG

Fundamental Rating

CBK gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 96 industry peers in the Banks industry. CBK has a bad profitability rating. Also its financial health evaluation is rather negative. CBK is not valued too expensively and it also shows a decent growth rate.

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1. Profitability

1.1 Basic Checks

CBK had positive earnings in the past year.

CBK had a negative operating cash flow in the past year.

Of the past 5 years CBK 4 years were profitable.

In multiple years CBK reported negative operating cash flow during the last 5 years.

1.2 Ratios

CBK has a Return On Assets of 0.42%. This is in the lower half of the industry: CBK underperforms 73.96% of its industry peers.

CBK has a Return On Equity of 7.15%. This is in the lower half of the industry: CBK underperforms 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

CBK's Profit Margin of 17.93% is on the low side compared to the rest of the industry. CBK is outperformed by 62.50% of its industry peers.

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

The Operating Margin and Gross Margin are not available for CBK 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

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

Compared to 1 year ago, CBK has less shares outstanding

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

CBK 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 CBK has dependencies on debt financing.

CBK has a Debt to Equity ratio (2.24) which is comparable to the rest of the industry.

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

ROIC/WACCN/A

WACC13.3%

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.

CBK shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 28.05% yearly.

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

The Revenue has been growing slightly by 6.65% on average over the past years.

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.

CBK is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.38% yearly.

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.

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

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4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 11.42, the valuation of CBK can be described as reasonable.

Based on the Price/Earnings ratio, CBK is valued a bit more expensive than 67.71% of the companies in the same industry.

When comparing the Price/Earnings ratio of CBK to the average of the S&P500 Index (27.03), we can say CBK is valued rather cheaply.

CBK is valuated reasonably with a Price/Forward Earnings ratio of 10.71.

CBK's Price/Forward Earnings ratio is in line with the industry average.

The average S&P500 Price/Forward Earnings ratio is at 22.63. CBK is valued rather cheaply when compared to this.

		Industry Rank	Sector Rank
PE	11.42
Fwd PE	10.71

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.

CBK's earnings are expected to grow with 20.35% in the coming years. This may justify a more expensive valuation.

PEG (NY)0.61

PEG (5Y)0.41

EPS Next 2Y20.49%

EPS Next 3Y20.35%

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5. Dividend

5.1 Amount

CBK has a Yearly Dividend Yield of 2.01%.

With a Dividend Yield of 2.01, CBK pays less dividend than the industry average, which is at 5.01. 94.79% of the companies listed in the same industry pay a better dividend than CBK!

Compared to an average S&P500 Dividend Yield of 2.32, CBK has a dividend comparable with the average S&P500 company.

		Industry Rank	Sector Rank
Dividend Yield	2.01%

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 Years1

Div Non Decr Years2

5.3 Sustainability

The dividend of CBK 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

FRA:CBK (9/4/2025, 5:36:15 PM)

32.65

+0.7 (+2.19%)

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 Cap36.81B

Analysts72.73

Price Target33.3 (1.99%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	2.01%

Yearly Dividend0.34

Dividend Growth(5Y)11.38%

DPN/A

Div Incr Years1

Div Non Decr Years2

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)18.02%

PT rev (3m)36.14%

EPS NQ rev (1m)-0.42%

EPS NQ rev (3m)5.36%

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)0.77%

Revenue NY rev (3m)2.32%

Valuation

		Industry Rank	Sector Rank
PE	11.42
Fwd PE	10.71
P/S	2.73
P/FCF	N/A
P/OCF	N/A
P/B	1.09
P/tB	1.15
EV/EBITDA	N/A

EPS(TTM)2.86

EY8.76%

EPS(NY)3.05

Fwd EY9.34%

FCF(TTM)-26.5

FCFYN/A

OCF(TTM)-26.5

OCFYN/A

SpS11.96

BVpS30.01

TBVpS28.42

PEG (NY)0.61

PEG (5Y)0.41

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

WACC13.3%

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 (CBK.DE) 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