COMMERZBANK AG (CBK.DE) Stock Fundamental Analysis
Europe - Frankfurt Stock Exchange - FRA:CBK - DE000CBK1001 - Common Stock
33.88 EUR
-0.09 (-0.26%)
We assign a fundamental rating of 3 out of 10 to CBK. CBK was compared to 108 industry peers in the Banks industry. Both the profitability and financial health of CBK have multiple concerns. CBK has a correct valuation and a medium growth rate.
1. Profitability
1.1 Basic Checks
CBK had positive earnings in the past year.
In the past year CBK has reported a negative cash flow from operations.
CBK had positive earnings in 4 of the past 5 years.
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 79.63% of its industry peers.
Looking at the Return On Equity, with a value of 7.15%, CBK is doing worse than 71.30% of the companies in the same industry.
| 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 70.37% 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 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.
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.
Compared to 1 year ago, CBK has a worse debt to assets ratio.
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 of 2.24. This is comparable to the rest of the industry: CBK outperforms 48.15% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.24 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC13.21%
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.
The Revenue has been growing slightly by 6.65% on average over the past years.
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 8.34% yearly.
Based on estimates for the next years, CBK will show a small growth in Revenue. The Revenue will grow by 4.87% on average per year.
EPS Next Y19.34%
EPS Next 2Y20.15%
EPS Next 3Y20.4%
EPS Next 5Y8.34%
Revenue Next Year10.17%
Revenue Next 2Y8.76%
Revenue Next 3Y7.86%
Revenue Next 5Y4.87%
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.
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.
4. Valuation
4.1 Price/Earnings Ratio
CBK is valuated reasonably with a Price/Earnings ratio of 11.89.
CBK's Price/Earnings ratio is a bit more expensive when compared to the industry. CBK is more expensive than 70.37% of the companies in the same industry.
CBK is valuated cheaply when we compare the Price/Earnings ratio to 26.31, which is the current average of the S&P500 Index.
CBK is valuated reasonably with a Price/Forward Earnings ratio of 11.18.
61.11% of the companies in the same industry are cheaper than CBK, based on the Price/Forward Earnings ratio.
Compared to an average S&P500 Price/Forward Earnings ratio of 36.59, CBK is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.89 | ||
| Fwd PE | 11.18 |
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 20.40% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.61
PEG (5Y)0.42
EPS Next 2Y20.15%
EPS Next 3Y20.4%
5. Dividend
5.1 Amount
CBK has a Yearly Dividend Yield of 1.91%. Purely for dividend investing, there may be better candidates out there.
With a Dividend Yield of 1.91, CBK pays less dividend than the industry average, which is at 4.73. 87.04% of the companies listed in the same industry pay a better dividend than CBK!
Compared to an average S&P500 Dividend Yield of 2.34, CBK has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.91% |
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 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 2Y20.15%
EPS Next 3Y20.4%
FRA:CBK (11/28/2025, 7:00:00 PM)
33.88
-0.09 (-0.26%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners43.27%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap38.20B
Revenue(TTM)13.52B
Net Income(TTM)2.42B
Analysts65.71
Price Target34.73 (2.51%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.91% |
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)2.18%
PT rev (3m)4.31%
EPS NQ rev (1m)-1.36%
EPS NQ rev (3m)-1.36%
EPS NY rev (1m)-0.98%
EPS NY rev (3m)0.47%
Revenue NQ rev (1m)-0.87%
Revenue NQ rev (3m)-1.33%
Revenue NY rev (1m)-0.41%
Revenue NY rev (3m)-0.33%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.89 | ||
| Fwd PE | 11.18 | ||
| P/S | 2.83 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 1.13 | ||
| P/tB | 1.19 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.85
EY8.41%
EPS(NY)3.03
Fwd EY8.95%
FCF(TTM)-26.5
FCFYN/A
OCF(TTM)-26.5
OCFYN/A
SpS11.96
BVpS30.01
TBVpS28.42
PEG (NY)0.61
PEG (5Y)0.42
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
WACC13.21%
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 Y19.34%
EPS Next 2Y20.15%
EPS Next 3Y20.4%
EPS Next 5Y8.34%
Revenue 1Y (TTM)5.26%
Revenue growth 3Y8.47%
Revenue growth 5Y6.65%
Sales Q2Q%7.42%
Revenue Next Year10.17%
Revenue Next 2Y8.76%
Revenue Next 3Y7.86%
Revenue Next 5Y4.87%
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 of COMMERZBANK AG (CBK.DE) 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.
What are the PE and PB ratios of COMMERZBANK AG (CBK.DE) stock?
The Price/Earnings (PE) ratio for COMMERZBANK AG (CBK.DE) is 11.89 and the Price/Book (PB) ratio is 1.13.
What is the financial health of COMMERZBANK AG (CBK.DE) stock?
The financial health rating of COMMERZBANK AG (CBK.DE) is 1 / 10.