COMMERZBANK AG (CBK.DE) Stock Fundamental Analysis
Europe - FRA:CBK - DE000CBK1001 - Common Stock
31.89 EUR
-0.65 (-2%)
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 has a bad profitability rating. Also its financial health evaluation is rather negative. CBK is not valued too expensively and it also shows a decent 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.
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
CBK has a Return On Assets of 0.42%. This is in the lower half of the industry: CBK underperforms 77.89% 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 67.37% 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
Looking at the Profit Margin, with a value of 17.93%, CBK is doing worse than 68.42% of the companies in the same 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) | 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.
The number of shares outstanding for CBK has been reduced compared to 1 year ago.
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
CBK has a Debt/Equity ratio of 2.24. This is a high value indicating a heavy dependency on external financing.
With a Debt to Equity ratio value of 2.24, CBK perfoms like the industry average, outperforming 48.42% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.24 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC13.39%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
CBK shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 60.22%, which is quite impressive.
CBK shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 28.05% yearly.
CBK shows a small growth in Revenue. In the last year, the Revenue has grown by 5.07%.
The Revenue has been growing slightly by 6.65% on average over the past years.
EPS 1Y (TTM)60.22%
EPS 3Y103.28%
EPS 5Y28.05%
EPS Q2Q%206.9%
Revenue 1Y (TTM)5.07%
Revenue growth 3Y8.47%
Revenue growth 5Y6.65%
Sales Q2Q%13.16%
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 8.07% on average per year.
Based on estimates for the next years, CBK will show a small growth in Revenue. The Revenue will grow by 4.32% on average per year.
EPS Next Y20.52%
EPS Next 2Y20.4%
EPS Next 3Y20.33%
EPS Next 5Y8.07%
Revenue Next Year10.62%
Revenue Next 2Y8.66%
Revenue Next 3Y7.63%
Revenue Next 5Y4.32%
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 11.15.
CBK's Price/Earnings ratio is a bit more expensive when compared to the industry. CBK is more expensive than 66.32% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 25.67. CBK is valued rather cheaply when compared to this.
Based on the Price/Forward Earnings ratio of 10.48, the valuation of CBK can be described as reasonable.
The rest of the industry has a similar Price/Forward Earnings ratio as CBK.
CBK's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 31.86.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.15 | ||
| Fwd PE | 10.48 |
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 20.33% in the coming years.
PEG (NY)0.54
PEG (5Y)0.4
EPS Next 2Y20.4%
EPS Next 3Y20.33%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 2.08%, CBK has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 4.84, CBK's dividend is way lower than its industry peers. On top of this 92.63% 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 | 2.08% |
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
CBK's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DPN/A
EPS Next 2Y20.4%
EPS Next 3Y20.33%
FRA:CBK (11/6/2025, 5:36:15 PM)
31.89
-0.65 (-2%)
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 Cap35.96B
Revenue(TTM)13.49B
Net Income(TTM)2.42B
Analysts56.52
Price Target33.86 (6.18%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.08% |
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)-0.4%
PT rev (3m)19.99%
EPS NQ rev (1m)0.85%
EPS NQ rev (3m)-0.42%
EPS NY rev (1m)0%
EPS NY rev (3m)13.38%
Revenue NQ rev (1m)-0.46%
Revenue NQ rev (3m)0.33%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.85%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.15 | ||
| Fwd PE | 10.48 | ||
| P/S | 2.67 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 1.06 | ||
| P/tB | 1.12 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.86
EY8.97%
EPS(NY)3.04
Fwd EY9.55%
FCF(TTM)-26.5
FCFYN/A
OCF(TTM)-26.5
OCFYN/A
SpS11.96
BVpS30.01
TBVpS28.42
PEG (NY)0.54
PEG (5Y)0.4
Graham Number43.94
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
WACC13.39%
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)60.22%
EPS 3Y103.28%
EPS 5Y28.05%
EPS Q2Q%206.9%
EPS Next Y20.52%
EPS Next 2Y20.4%
EPS Next 3Y20.33%
EPS Next 5Y8.07%
Revenue 1Y (TTM)5.07%
Revenue growth 3Y8.47%
Revenue growth 5Y6.65%
Sales Q2Q%13.16%
Revenue Next Year10.62%
Revenue Next 2Y8.66%
Revenue Next 3Y7.63%
Revenue Next 5Y4.32%
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 5 / 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 11.15 and the Price/Book (PB) ratio is 1.06.
What is the financial health of COMMERZBANK AG (CBK.DE) stock?
The financial health rating of COMMERZBANK AG (CBK.DE) is 1 / 10.