MERKUR PRIVATBANK KGAA (MBK.DE) Stock Fundamental Analysis
Europe - Frankfurt Stock Exchange - FRA:MBK - DE0008148206 - Common Stock
18.9 EUR
+0.1 (+0.53%)
We assign a fundamental rating of 3 out of 10 to MBK. MBK was compared to 108 industry peers in the Banks industry. MBK has a bad profitability rating. Also its financial health evaluation is rather negative. MBK has a decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
In the past year MBK was profitable.
Of the past 5 years MBK 4 years were profitable.
MBK had a negative operating cash flow in each of the past 5 years.
1.2 Ratios
The Return On Assets of MBK (0.27%) is worse than 88.89% of its industry peers.
With a Return On Equity value of 7.49%, MBK is not doing good in the industry: 69.44% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.27% | ||
| ROE | 7.49% | ||
| ROIC | N/A |
ROA(3y)0.31%
ROA(5y)0.45%
ROE(3y)7.91%
ROE(5y)10.86%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
MBK has a worse Profit Margin (8.57%) than 90.74% of its industry peers.
In the last couple of years the Profit Margin of MBK has declined.
MBK 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) | 8.57% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-4.34%
PM growth 5Y-1.68%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
The number of shares outstanding for MBK remains at a similar level compared to 1 year ago.
Compared to 5 years ago, MBK has about the same amount of shares outstanding.
Compared to 1 year ago, MBK has an improved debt to assets ratio.
2.2 Solvency
MBK has a Debt/Equity ratio of 0.40. This is a healthy value indicating a solid balance between debt and equity.
MBK's Debt to Equity ratio of 0.40 is amongst the best of the industry. MBK outperforms 88.89% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.4 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
MBK shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 2.22%.
Measured over the past years, MBK shows a quite strong growth in Earnings Per Share. The EPS has been growing by 16.78% on average per year.
Looking at the last year, MBK shows a small growth in Revenue. The Revenue has grown by 1.29% in the last year.
MBK shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 26.32% yearly.
EPS 1Y (TTM)2.22%
EPS 3Y9.8%
EPS 5Y16.78%
EPS Q2Q%-32.43%
Revenue 1Y (TTM)1.29%
Revenue growth 3Y14.55%
Revenue growth 5Y26.32%
Sales Q2Q%7.7%
3.2 Future
The Earnings Per Share is expected to grow by 15.25% on average over the next years. This is quite good.
MBK is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 5.21% yearly.
EPS Next Y21.26%
EPS Next 2Y26.43%
EPS Next 3Y21%
EPS Next 5Y15.25%
Revenue Next Year5.08%
Revenue Next 2Y10.47%
Revenue Next 3Y6.12%
Revenue Next 5Y5.21%
3.3 Evolution
The EPS growth rate is stable: in the next years the growth will be about the same than in the last years.
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
The Price/Earnings ratio is 13.70, which indicates a correct valuation of MBK.
Compared to the rest of the industry, the Price/Earnings ratio of MBK indicates a rather expensive valuation: MBK more expensive than 80.56% of the companies listed in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 26.46, MBK is valued a bit cheaper.
MBK is valuated reasonably with a Price/Forward Earnings ratio of 9.22.
Based on the Price/Forward Earnings ratio, MBK is valued cheaply inside the industry as 81.48% of the companies are valued more expensively.
The average S&P500 Price/Forward Earnings ratio is at 36.10. MBK is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.7 | ||
| Fwd PE | 9.22 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
MBK's 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 MBK's earnings are expected to grow with 21.00% in the coming years.
PEG (NY)0.64
PEG (5Y)0.82
EPS Next 2Y26.43%
EPS Next 3Y21%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 2.63%, MBK has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 4.70, MBK is paying slightly less dividend.
MBK's Dividend Yield is comparable with the S&P500 average which is at 2.32.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.63% |
5.2 History
The dividend of MBK is nicely growing with an annual growth rate of 12.04%!
Dividend Growth(5Y)12.04%
Div Incr Years1
Div Non Decr Years6
5.3 Sustainability
MBK's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DPN/A
EPS Next 2Y26.43%
EPS Next 3Y21%
FRA:MBK (12/5/2025, 7:00:00 PM)
18.9
+0.1 (+0.53%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst OwnersN/A
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap147.04M
Revenue(TTM)125.06M
Net Income(TTM)10.72M
Analysts80
Price TargetN/A
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.63% |
Yearly Dividend0.45
Dividend Growth(5Y)12.04%
DPN/A
Div Incr Years1
Div Non Decr Years6
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.7 | ||
| Fwd PE | 9.22 | ||
| P/S | 1.18 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 1.03 | ||
| P/tB | 1.03 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.38
EY7.3%
EPS(NY)2.05
Fwd EY10.85%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS16.07
BVpS18.38
TBVpS18.37
PEG (NY)0.64
PEG (5Y)0.82
Graham Number23.89
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.27% | ||
| ROE | 7.49% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 8.57% | ||
| GM | N/A | ||
| FCFM | N/A |
ROA(3y)0.31%
ROA(5y)0.45%
ROE(3y)7.91%
ROE(5y)10.86%
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 3Y-4.34%
PM growth 5Y-1.68%
GM growth 3YN/A
GM growth 5YN/A
F-ScoreN/A
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.4 | ||
| 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-ScoreN/A
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)2.22%
EPS 3Y9.8%
EPS 5Y16.78%
EPS Q2Q%-32.43%
EPS Next Y21.26%
EPS Next 2Y26.43%
EPS Next 3Y21%
EPS Next 5Y15.25%
Revenue 1Y (TTM)1.29%
Revenue growth 3Y14.55%
Revenue growth 5Y26.32%
Sales Q2Q%7.7%
Revenue Next Year5.08%
Revenue Next 2Y10.47%
Revenue Next 3Y6.12%
Revenue Next 5Y5.21%
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 1YN/A
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1YN/A
OCF growth 3YN/A
OCF growth 5YN/A
MERKUR PRIVATBANK KGAA / MBK.DE FAQ
Can you provide the ChartMill fundamental rating for MERKUR PRIVATBANK KGAA?
ChartMill assigns a fundamental rating of 3 / 10 to MBK.DE.
Can you provide the valuation status for MERKUR PRIVATBANK KGAA?
ChartMill assigns a valuation rating of 5 / 10 to MERKUR PRIVATBANK KGAA (MBK.DE). This can be considered as Fairly Valued.
How profitable is MERKUR PRIVATBANK KGAA (MBK.DE) stock?
MERKUR PRIVATBANK KGAA (MBK.DE) has a profitability rating of 1 / 10.
How financially healthy is MERKUR PRIVATBANK KGAA?
The financial health rating of MERKUR PRIVATBANK KGAA (MBK.DE) is 2 / 10.