COMMERZBANK AG (CBK.DE) Stock Fundamental Analysis
Europe - Frankfurt Stock Exchange - FRA:CBK - DE000CBK1001 - Common Stock
35.02 EUR
-1.01 (-2.8%)
We assign a fundamental rating of 3 out of 10 to CBK. CBK was compared to 118 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
- With a Return On Assets value of 0.42%, CBK is not doing good in the industry: 82.20% of the companies in the same industry are doing better.
- Looking at the Return On Equity, with a value of 7.15%, CBK is doing worse than 69.49% 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
- CBK has a Profit Margin of 17.93%. This is in the lower half of the industry: CBK underperforms 74.58% 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.
- 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 2.24. This is a high value indicating a heavy dependency on external financing.
- CBK has a Debt to Equity ratio of 2.24. This is comparable to the rest of the industry: CBK outperforms 43.22% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.24 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC13.07%
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 61.02%, which is quite impressive.
- 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
- Based on estimates for the next years, CBK will show a quite strong growth in Earnings Per Share. The EPS will grow by 8.03% on average per year.
- Based on estimates for the next years, CBK will show a small growth in Revenue. The Revenue will grow by 4.56% 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.
- 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
- Based on the Price/Earnings ratio of 12.29, 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 69.49% of the companies listed in the same industry.
- The average S&P500 Price/Earnings ratio is at 27.33. CBK is valued rather cheaply when compared to this.
- CBK is valuated reasonably with a Price/Forward Earnings ratio of 11.41.
- CBK's Price/Forward Earnings ratio is in line with the industry average.
- CBK is valuated cheaply when we compare the Price/Forward Earnings ratio to 24.12, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.29 | ||
| Fwd PE | 11.41 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- CBK's 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 20.61% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.76
PEG (5Y)0.44
EPS Next 2Y20.88%
EPS Next 3Y20.61%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 1.82%, CBK has a reasonable but not impressive dividend return.
- Compared to an average industry Dividend Yield of 4.05, CBK's dividend is way lower than its industry peers. On top of this 81.36% of the companies listed in the same industry pay a better dividend than CBK!
- Compared to an average S&P500 Dividend Yield of 1.91, CBK has a dividend comparable with the average S&P500 company.
| 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 (1/15/2026, 5:36:15 PM)
35.02
-1.01 (-2.8%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)11-06 2025-11-06/bmo
Earnings (Next)02-11 2026-02-11/amc
Inst Owners36.33%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap39.49B
Revenue(TTM)13.52B
Net Income(TTM)2.42B
Analysts68.57
Price Target35.6 (1.66%)
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 | 12.29 | ||
| Fwd PE | 11.41 | ||
| 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
EY8.14%
EPS(NY)3.07
Fwd EY8.76%
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
WACC13.07%
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 12.29 and the Price/Book (PB) ratio is 1.17.