COMMERZBANK AG(FRA:CBK) stock Fundamental Analysis

Fundamental Rating

CBK gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 92 industry peers in the Banks industry. Both the profitability and financial health of CBK have multiple concerns. CBK is valied quite expensively at the moment, while it does show a decent growth rate.

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1. Profitability

1.1 Basic Checks

In the past year CBK was profitable.

In the past year CBK has reported a negative cash flow from operations.

Of the past 5 years CBK 4 years were profitable.

The reported operating cash flow has been mixed in the past 5 years: CBK reported negative operating cash flow in multiple years.

1.2 Ratios

Looking at the Return On Assets, with a value of 0.44%, CBK is doing worse than 72.83% of the companies in the same industry.

CBK's Return On Equity of 7.15% is on the low side compared to the rest of the industry. CBK is outperformed by 66.30% of its industry peers.

		Industry Rank	Sector Rank
ROA	0.44%
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 CBK (19.01%) is comparable to the rest of the industry.

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 Rank	Sector Rank
OM	N/A
PM (TTM)	19.01%
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 1.59 is on the high side and indicates that CBK has dependencies on debt financing.

CBK has a Debt to Equity ratio of 1.59. This is in the better half of the industry: CBK outperforms 61.96% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	1.59
Debt/FCF	N/A
Altman-Z	N/A

ROIC/WACCN/A

WACC13.6%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

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Altman-Z score

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3. Growth

3.1 Past

The Earnings Per Share has grown by an nice 15.96% 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.

Looking at the last year, CBK shows a small growth in Revenue. The Revenue has grown by 3.72% in the last year.

Measured over the past years, CBK shows a small growth in Revenue. The Revenue has been growing by 6.65% on average per year.

EPS 1Y (TTM)15.96%

EPS 3Y103.28%

EPS 5Y28.05%

EPS Q2Q%25.81%

Revenue 1Y (TTM)3.72%

Revenue growth 3Y8.47%

Revenue growth 5Y6.65%

Sales Q2Q%7.35%

3.2 Future

The Earnings Per Share is expected to grow by 13.35% on average over the next years. This is quite good.

Based on estimates for the next years, CBK will show a small growth in Revenue. The Revenue will grow by 4.58% on average per year.

EPS Next Y6.3%

EPS Next 2Y17.71%

EPS Next 3Y18.63%

EPS Next 5Y13.35%

Revenue Next Year8.03%

Revenue Next 2Y7.51%

Revenue Next 3Y6.94%

Revenue Next 5Y4.58%

3.3 Evolution

The estimated forward EPS growth is still strong, although it is decreasing when compared to the stronger growth in the past 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 11.99, the valuation of CBK can be described as reasonable.

Based on the Price/Earnings ratio, CBK is valued a bit more expensive than 76.09% of the companies in the same industry.

CBK is valuated cheaply when we compare the Price/Earnings ratio to 26.35, which is the current average of the S&P500 Index.

CBK is valuated reasonably with a Price/Forward Earnings ratio of 9.31.

CBK's Price/Forward Earnings is on the same level as the industry average.

Compared to an average S&P500 Price/Forward Earnings ratio of 22.20, CBK is valued rather cheaply.

		Industry Rank	Sector Rank
PE	11.99
Fwd PE	9.31

4.2 Price Multiples

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

4.3 Compensation for Growth

The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.

A more expensive valuation may be justified as CBK's earnings are expected to grow with 18.63% in the coming years.

PEG (NY)1.9

PEG (5Y)0.43

EPS Next 2Y17.71%

EPS Next 3Y18.63%

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 2.47%, CBK has a reasonable but not impressive dividend return.

Compared to an average industry Dividend Yield of 5.03, CBK's dividend is way lower than its industry peers. On top of this 84.78% of the companies listed in the same industry pay a better dividend than CBK!

Compared to an average S&P500 Dividend Yield of 2.40, CBK has a dividend comparable with the average S&P500 company.

		Industry Rank	Sector Rank
Dividend Yield	2.47%

5.2 History

The dividend of CBK is nicely growing with an annual growth rate of 11.38%!

Dividend Growth(5Y)11.38%

Div Incr Years0

Div Non Decr Years1

5.3 Sustainability

CBK pays out 16.84% of its income as dividend. This is a sustainable payout ratio.

CBK's earnings are growing around the same pace than its dividend. As long as the earnings growth is kept the dividend growth is sustainable.

DP16.84%

EPS Next 2Y17.71%

EPS Next 3Y18.63%

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COMMERZBANK AG

FRA:CBK (5/27/2025, 5:36:15 PM)

27.09

+0.46 (+1.73%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)05-09 2025-05-09/bmo

Earnings (Next)08-06 2025-08-06

Inst Owners44.67%

Inst Owner ChangeN/A

Ins OwnersN/A

Ins Owner ChangeN/A

Market Cap32.09B

Analysts78.26

Price Target24.46 (-9.71%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	2.47%

Yearly Dividend0.34

Dividend Growth(5Y)11.38%

DP16.84%

Div Incr Years0

Div Non Decr Years1

Ex-DateN/A

Surprises & Revisions

EPS beat(2)2

Avg EPS beat(2)57.62%

Min EPS beat(2)32.01%

Max EPS beat(2)83.22%

EPS beat(4)3

Avg EPS beat(4)22.65%

Min EPS beat(4)-35.08%

Max EPS beat(4)83.22%

EPS beat(8)6

Avg EPS beat(8)19.12%

EPS beat(12)8

Avg EPS beat(12)16.16%

EPS beat(16)11

Avg EPS beat(16)55.67%

Revenue beat(2)2

Avg Revenue beat(2)1.84%

Min Revenue beat(2)1.03%

Max Revenue beat(2)2.64%

Revenue beat(4)3

Avg Revenue beat(4)0.95%

Min Revenue beat(4)-1.15%

Max Revenue beat(4)2.64%

Revenue beat(8)6

Avg Revenue beat(8)23.86%

Revenue beat(12)10

Avg Revenue beat(12)25.44%

Revenue beat(16)14

Avg Revenue beat(16)22.89%

PT rev (1m)2%

PT rev (3m)16.24%

EPS NQ rev (1m)-3.7%

EPS NQ rev (3m)14.04%

EPS NY rev (1m)0%

EPS NY rev (3m)-2.56%

Revenue NQ rev (1m)-1.58%

Revenue NQ rev (3m)2.5%

Revenue NY rev (1m)0.06%

Revenue NY rev (3m)2.32%

Valuation

		Industry Rank	Sector Rank
PE	11.99
Fwd PE	9.31
P/S	2.48
P/FCF	N/A
P/OCF	N/A
P/B	0.93
P/tB	0.98
EV/EBITDA	N/A

EPS(TTM)2.26

EY8.34%

EPS(NY)2.91

Fwd EY10.74%

FCF(TTM)-18.12

FCFYN/A

OCF(TTM)-17.15

OCFYN/A

SpS10.94

BVpS29.09

TBVpS27.59

PEG (NY)1.9

PEG (5Y)0.43

Profitability

		Industry Rank	Sector Rank
ROA	0.44%
ROE	7.15%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	19.01%
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	1.59
Debt/FCF	N/A
Debt/EBITDA	N/A
Cap/Depr	52.16%
Cap/Sales	8.84%
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

WACC13.6%

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)15.96%

EPS 3Y103.28%

EPS 5Y28.05%

EPS Q2Q%25.81%

EPS Next Y6.3%

EPS Next 2Y17.71%

EPS Next 3Y18.63%

EPS Next 5Y13.35%

Revenue 1Y (TTM)3.72%

Revenue growth 3Y8.47%

Revenue growth 5Y6.65%

Sales Q2Q%7.35%

Revenue Next Year8.03%

Revenue Next 2Y7.51%

Revenue Next 3Y6.94%

Revenue Next 5Y4.58%

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-211.29%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y-200.16%

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

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5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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