COMMERZBANK AG(FRA:CBK) stock Fundamental Analysis

Fundamental Rating

We assign a fundamental rating of 3 out of 10 to CBK. CBK was compared to 92 industry peers in the Banks industry. CBK has a bad profitability rating. Also its financial health evaluation is rather negative. CBK is quite expensive at the moment. It does show a decent growth rate.

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1. Profitability

1.1 Basic Checks

In the past year CBK was profitable.

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

CBK had positive earnings in 4 of the past 5 years.

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

CBK has a Return On Assets of 0.44%. This is in the lower half of the industry: CBK underperforms 72.83% of its industry peers.

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.

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.

Compared to 1 year ago, CBK has less shares outstanding

CBK has less shares outstanding than it did 5 years ago.

Compared to 1 year ago, CBK has a worse debt to assets ratio.

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 better Debt to Equity ratio (1.59) than 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

WACC13.65%

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.

The Earnings Per Share has been growing by 28.05% on average over the past years. This is a very strong growth

The Revenue has been growing slightly by 3.72% in the past 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)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

Based on estimates for the next years, CBK will show a quite strong growth in Earnings Per Share. The EPS will grow by 13.35% on average per year.

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

With a Price/Earnings ratio of 11.81, the valuation of CBK can be described as very reasonable.

CBK's Price/Earnings ratio is a bit more expensive when compared to the industry. CBK is more expensive than 75.00% of the companies in the same industry.

When comparing the Price/Earnings ratio of CBK to the average of the S&P500 Index (26.17), we can say CBK is valued rather cheaply.

CBK is valuated reasonably with a Price/Forward Earnings ratio of 9.17.

Compared to the rest of the industry, the Price/Forward Earnings ratio of CBK is on the same level as its industry peers.

When comparing the Price/Forward Earnings ratio of CBK to the average of the S&P500 Index (22.10), we can say CBK is valued rather cheaply.

		Industry Rank	Sector Rank
PE	11.81
Fwd PE	9.17

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)1.87

PEG (5Y)0.42

EPS Next 2Y17.71%

EPS Next 3Y18.63%

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5. Dividend

5.1 Amount

CBK has a Yearly Dividend Yield of 2.47%. Purely for dividend investing, there may be better candidates out there.

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.

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 (5/29/2025, 10:38:18 AM)

26.69

+0.15 (+0.57%)

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 Cap31.62B

Analysts78.26

Price Target24.46 (-8.36%)

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	11.81
Fwd PE	9.17
P/S	2.44
P/FCF	N/A
P/OCF	N/A
P/B	0.92
P/tB	0.97
EV/EBITDA	N/A

EPS(TTM)2.26

EY8.47%

EPS(NY)2.91

Fwd EY10.9%

FCF(TTM)-18.12

FCFYN/A

OCF(TTM)-17.15

OCFYN/A

SpS10.94

BVpS29.09

TBVpS27.59

PEG (NY)1.87

PEG (5Y)0.42

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

WACC13.65%

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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