COMMERZBANK AG(FRA:CBK) stock Fundamental Analysis

Fundamental Rating

Taking everything into account, CBK scores 3 out of 10 in our fundamental rating. CBK was compared to 95 industry peers in the Banks industry. CBK may be in some trouble as it scores bad on both profitability and health. CBK is quite expensive at the moment. It does show 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 0.44%. This is in the lower half of the industry: CBK underperforms 68.42% of its industry peers.

The Return On Equity of CBK (7.15%) is worse than 62.11% 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

CBK has a Profit Margin (19.01%) which is comparable to the rest of the industry.

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

CBK 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)	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.

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

Compared to 5 years ago, CBK has less shares outstanding

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

2.2 Solvency

CBK has a Debt/Equity ratio of 1.59. This is a high value indicating a heavy dependency on external financing.

The Debt to Equity ratio of CBK (1.59) is better than 63.16% of its industry peers.

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

ROIC/WACCN/A

WACC13.95%

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 17.19% 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 3.12% in the last year.

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

EPS 1Y (TTM)17.19%

EPS 3Y103.28%

EPS 5Y28.05%

EPS Q2Q%103.13%

Revenue 1Y (TTM)3.12%

Revenue growth 3Y8.47%

Revenue growth 5Y6.65%

Sales Q2Q%22.71%

3.2 Future

CBK is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 13.35% yearly.

The Revenue is expected to grow by 4.58% on average over the next years.

EPS Next Y6.3%

EPS Next 2Y17.71%

EPS Next 3Y18.63%

EPS Next 5Y13.35%

Revenue Next Year7.97%

Revenue Next 2Y7.63%

Revenue Next 3Y6.92%

Revenue Next 5Y4.58%

3.3 Evolution

Although the future EPS growth is still strong, it is not able to hold up the even more excellent growth rate of 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

With a Price/Earnings ratio of 11.56, the valuation of CBK can be described as very reasonable.

Based on the Price/Earnings ratio, CBK is valued a bit more expensive than 73.68% of the companies in the same industry.

Compared to an average S&P500 Price/Earnings ratio of 28.10, CBK is valued rather cheaply.

Based on the Price/Forward Earnings ratio of 10.88, the valuation of CBK can be described as reasonable.

66.32% of the companies in the same industry are cheaper than CBK, based on the Price/Forward Earnings ratio.

CBK is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 20.74, which is the current average of the S&P500 Index.

		Industry Rank	Sector Rank
PE	11.56
Fwd PE	10.88

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 CBK does not grow enough to justify the current Price/Earnings ratio.

CBK's earnings are expected to grow with 18.63% in the coming years. This may justify a more expensive valuation.

PEG (NY)1.84

PEG (5Y)0.41

EPS Next 2Y17.71%

EPS Next 3Y18.63%

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5. Dividend

5.1 Amount

CBK has a Yearly Dividend Yield of 2.80%.

With a Dividend Yield of 2.80, CBK pays less dividend than the industry average, which is at 5.30. 85.26% of the companies listed in the same industry pay a better dividend than CBK!

CBK's Dividend Yield is comparable with the S&P500 average which is at 2.43.

		Industry Rank	Sector Rank
Dividend Yield	2.8%

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 Years0

Div Non Decr Years1

5.3 Sustainability

16.84% of the earnings are spent on dividend by CBK. This is a low number and sustainable payout ratio.

The dividend of CBK is growing around the same rate as the earnings are growing. If this keeps up the dividend growth is sustainable.

DP16.84%

EPS Next 2Y17.71%

EPS Next 3Y18.63%

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COMMERZBANK AG

FRA:CBK (5/5/2025, 7:00:00 PM)

24.28

+0.69 (+2.92%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)02-13 2025-02-13/bmo

Earnings (Next)05-09 2025-05-09

Inst Owners44.67%

Inst Owner ChangeN/A

Ins OwnersN/A

Ins Owner ChangeN/A

Market Cap28.76B

Analysts78.26

Price Target24.32 (0.16%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	2.8%

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)3.86%

PT rev (3m)24.01%

EPS NQ rev (1m)-6.34%

EPS NQ rev (3m)10.09%

EPS NY rev (1m)0.37%

EPS NY rev (3m)-1.86%

Revenue NQ rev (1m)-0.9%

Revenue NQ rev (3m)2.33%

Revenue NY rev (1m)1.79%

Revenue NY rev (3m)2.98%

Valuation

		Industry Rank	Sector Rank
PE	11.56
Fwd PE	10.88
P/S	2.22
P/FCF	N/A
P/OCF	N/A
P/B	0.83
P/tB	0.88
EV/EBITDA	N/A

EPS(TTM)2.1

EY8.65%

EPS(NY)2.23

Fwd EY9.19%

FCF(TTM)-18.12

FCFYN/A

OCF(TTM)-17.15

OCFYN/A

SpS10.94

BVpS29.09

TBVpS27.59

PEG (NY)1.84

PEG (5Y)0.41

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

WACC13.95%

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)17.19%

EPS 3Y103.28%

EPS 5Y28.05%

EPS Q2Q%103.13%

EPS Next Y6.3%

EPS Next 2Y17.71%

EPS Next 3Y18.63%

EPS Next 5Y13.35%

Revenue 1Y (TTM)3.12%

Revenue growth 3Y8.47%

Revenue growth 5Y6.65%

Sales Q2Q%22.71%

Revenue Next Year7.97%

Revenue Next 2Y7.63%

Revenue Next 3Y6.92%

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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