COMMERZBANK AG (1CBK.MI) Stock Fundamental Analysis
Europe - BIT:1CBK - DE000CBK1001 - Common Stock
34.74 EUR
+5.17 (+17.48%)
Taking everything into account, 1CBK scores 3 out of 10 in our fundamental rating. 1CBK was compared to 96 industry peers in the Banks industry. 1CBK may be in some trouble as it scores bad on both profitability and health. 1CBK has a correct valuation and a medium growth rate.
1. Profitability
1.1 Basic Checks
1CBK had positive earnings in the past year.
1CBK had a negative operating cash flow in the past year.
Of the past 5 years 1CBK 4 years were profitable.
The reported operating cash flow has been mixed in the past 5 years: 1CBK reported negative operating cash flow in multiple years.
1.2 Ratios
The Return On Assets of 1CBK (0.42%) is worse than 76.29% of its industry peers.
Looking at the Return On Equity, with a value of 7.15%, 1CBK is doing worse than 65.98% 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
1CBK's Profit Margin of 17.93% is on the low side compared to the rest of the industry. 1CBK is outperformed by 65.98% of its industry peers.
1CBK's Profit Margin has improved in the last couple of years.
1CBK 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
1CBK does not have a ROIC to compare to the WACC, probably because it is not profitable.
1CBK has less shares outstanding than it did 1 year ago.
The number of shares outstanding for 1CBK has been reduced compared to 5 years ago.
Compared to 1 year ago, 1CBK 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 1CBK has dependencies on debt financing.
1CBK has a Debt to Equity ratio of 2.24. This is comparable to the rest of the industry: 1CBK outperforms 49.48% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.24 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC13.5%
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 60.22% 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
1CBK shows a small growth in Revenue. In the last year, the Revenue has grown by 5.07%.
Measured over the past years, 1CBK shows a small growth in Revenue. The Revenue has been growing by 6.65% on average per year.
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
The Earnings Per Share is expected to grow by 8.07% on average over the next years. This is quite good.
The Revenue is expected to grow by 4.32% on average over the next years.
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
The EPS growth rate is decreasing: in the next years the growth will be less than in the last 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.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 12.15, which indicates a correct valuation of 1CBK.
1CBK's Price/Earnings ratio is in line with the industry average.
1CBK is valuated cheaply when we compare the Price/Earnings ratio to 26.34, which is the current average of the S&P500 Index.
1CBK is valuated reasonably with a Price/Forward Earnings ratio of 11.41.
1CBK's Price/Forward Earnings is on the same level as the industry average.
The average S&P500 Price/Forward Earnings ratio is at 34.43. 1CBK is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.15 | ||
| 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
1CBK's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
1CBK's earnings are expected to grow with 20.33% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.59
PEG (5Y)0.43
EPS Next 2Y20.4%
EPS Next 3Y20.33%
5. Dividend
5.1 Amount
1CBK has a Yearly Dividend Yield of 2.08%.
With a Dividend Yield of 2.08, 1CBK pays less dividend than the industry average, which is at 4.84. 89.69% of the companies listed in the same industry pay a better dividend than 1CBK!
Compared to an average S&P500 Dividend Yield of 2.36, 1CBK 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 1CBK grows each year by 11.38%, which is quite nice.
Dividend Growth(5Y)11.38%
Div Incr YearsN/A
Div Non Decr YearsN/A
5.3 Sustainability
The dividend of 1CBK is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DPN/A
EPS Next 2Y20.4%
EPS Next 3Y20.33%
BIT:1CBK (11/12/2025, 7:00:00 PM)
34.74
+5.17 (+17.48%)
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 Cap39.17B
Revenue(TTM)13.49B
Net Income(TTM)2.42B
Analysts56.52
Price Target33.67 (-3.08%)
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 YearsN/A
Div Non Decr YearsN/A
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)6
Avg Revenue beat(8)6.69%
Revenue beat(12)10
Avg Revenue beat(12)12.71%
Revenue beat(16)14
Avg Revenue beat(16)14.71%
PT rev (1m)-2.37%
PT rev (3m)16.14%
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 | 12.15 | ||
| Fwd PE | 11.41 | ||
| P/S | 2.9 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 1.16 | ||
| P/tB | 1.22 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.86
EY8.23%
EPS(NY)3.04
Fwd EY8.76%
FCF(TTM)-26.5
FCFYN/A
OCF(TTM)-26.5
OCFYN/A
SpS11.96
BVpS30.01
TBVpS28.42
PEG (NY)0.59
PEG (5Y)0.43
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
WACC13.5%
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 / 1CBK.MI FAQ
What is the ChartMill fundamental rating of COMMERZBANK AG (1CBK.MI) stock?
ChartMill assigns a fundamental rating of 3 / 10 to 1CBK.MI.
What is the valuation status of COMMERZBANK AG (1CBK.MI) stock?
ChartMill assigns a valuation rating of 5 / 10 to COMMERZBANK AG (1CBK.MI). This can be considered as Fairly Valued.
What is the profitability of 1CBK stock?
COMMERZBANK AG (1CBK.MI) has a profitability rating of 2 / 10.
Can you provide the PE and PB ratios for 1CBK stock?
The Price/Earnings (PE) ratio for COMMERZBANK AG (1CBK.MI) is 12.15 and the Price/Book (PB) ratio is 1.16.
What is the earnings growth outlook for COMMERZBANK AG?
The Earnings per Share (EPS) of COMMERZBANK AG (1CBK.MI) is expected to grow by 20.52% in the next year.