COMMERZBANK AG (CBK.DE) Stock Fundamental Analysis
Europe - Frankfurt Stock Exchange - FRA:CBK - DE000CBK1001 - Common Stock
34.99 EUR
-0.63 (-1.77%)
Taking everything into account, CBK scores 3 out of 10 in our fundamental rating. CBK was compared to 114 industry peers in the Banks industry. CBK may be in some trouble as it scores bad on both profitability and health. CBK has a correct valuation and a medium growth rate.
1. Profitability
1.1 Basic Checks
In the past year CBK was profitable.
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 79.82% of its industry peers.
CBK has a Return On Equity of 7.15%. This is in the lower half of the industry: CBK underperforms 69.30% 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 CBK (17.93%) is worse than 70.18% of its industry peers.
CBK's Profit Margin has improved in the last couple of years.
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) | 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
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.
The number of shares outstanding for CBK has been reduced compared to 5 years ago.
The debt/assets ratio for CBK is higher compared to a year ago.
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
WACC13.26%
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 61.02% over the past year.
Measured over the past years, CBK shows a very strong growth in Earnings Per Share. The EPS has been growing by 28.05% on average per year.
Looking at the last year, CBK shows a small growth in Revenue. The Revenue has grown by 5.26% in the last year.
CBK shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 6.65% yearly.
EPS 1Y (TTM)61.02%
EPS 3Y103.28%
EPS 5Y28.05%
EPS Q2Q%-1.85%
Revenue 1Y (TTM)5.26%
Revenue growth 3Y8.47%
Revenue growth 5Y6.65%
Sales Q2Q%7.42%
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 8.03% yearly.
Based on estimates for the next years, CBK will show a small growth in Revenue. The Revenue will grow by 4.56% on average per year.
EPS Next Y16.11%
EPS Next 2Y20.88%
EPS Next 3Y20.61%
EPS Next 5Y8.03%
Revenue Next Year10.13%
Revenue Next 2Y9.15%
Revenue Next 3Y7.99%
Revenue Next 5Y4.56%
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.
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
Based on the Price/Earnings ratio of 12.28, the valuation of CBK can be described as correct.
Compared to the rest of the industry, the Price/Earnings ratio of CBK indicates a slightly more expensive valuation: CBK is more expensive than 62.28% of the companies listed in the same industry.
CBK's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.19.
A Price/Forward Earnings ratio of 11.40 indicates a reasonable valuation of CBK.
CBK's Price/Forward Earnings is on the same level as the industry average.
The average S&P500 Price/Forward Earnings ratio is at 23.88. CBK is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.28 | ||
| Fwd PE | 11.4 |
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.
A more expensive valuation may be justified as CBK's earnings are expected to grow with 20.61% in the coming years.
PEG (NY)0.76
PEG (5Y)0.44
EPS Next 2Y20.88%
EPS Next 3Y20.61%
5. Dividend
5.1 Amount
CBK has a Yearly Dividend Yield of 1.82%.
Compared to an average industry Dividend Yield of 4.07, CBK's dividend is way lower than its industry peers. On top of this 85.96% 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 1.90.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.82% |
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 2Y20.88%
EPS Next 3Y20.61%
FRA:CBK (1/9/2026, 7:00:00 PM)
34.99
-0.63 (-1.77%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners36.33%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap39.45B
Revenue(TTM)13.52B
Net Income(TTM)2.42B
Analysts68.57
Price Target35.6 (1.74%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.82% |
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)0.87%
PT rev (3m)4.74%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-0.51%
EPS NY rev (1m)-1.66%
EPS NY rev (3m)-3.66%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-1.33%
Revenue NY rev (1m)-0.02%
Revenue NY rev (3m)-0.45%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.28 | ||
| Fwd PE | 11.4 | ||
| P/S | 2.93 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 1.17 | ||
| P/tB | 1.23 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.85
EY8.15%
EPS(NY)3.07
Fwd EY8.77%
FCF(TTM)-26.5
FCFYN/A
OCF(TTM)-26.5
OCFYN/A
SpS11.96
BVpS30.01
TBVpS28.42
PEG (NY)0.76
PEG (5Y)0.44
Graham Number43.87
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)61.02%
EPS 3Y103.28%
EPS 5Y28.05%
EPS Q2Q%-1.85%
EPS Next Y16.11%
EPS Next 2Y20.88%
EPS Next 3Y20.61%
EPS Next 5Y8.03%
Revenue 1Y (TTM)5.26%
Revenue growth 3Y8.47%
Revenue growth 5Y6.65%
Sales Q2Q%7.42%
Revenue Next Year10.13%
Revenue Next 2Y9.15%
Revenue Next 3Y7.99%
Revenue Next 5Y4.56%
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 FAQ
What is the ChartMill fundamental rating of COMMERZBANK AG (CBK.DE) stock?
ChartMill assigns a fundamental rating of 3 / 10 to CBK.DE.
What is the valuation status for CBK stock?
ChartMill assigns a valuation rating of 4 / 10 to COMMERZBANK AG (CBK.DE). This can be considered as Fairly Valued.
How profitable is COMMERZBANK AG (CBK.DE) stock?
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 12.28 and the Price/Book (PB) ratio is 1.17.