COMMERZBANK AG (1CBK.MI) Stock Fundamental Analysis
Europe - Euronext Milan - BIT:1CBK - DE000CBK1001 - Common Stock
34.96 EUR
-0.81 (-2.26%)
1CBK gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 118 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.
- In multiple years 1CBK reported negative operating cash flow during the last 5 years.
1.2 Ratios
- With a Return On Assets value of 0.42%, 1CBK is not doing good in the industry: 81.36% of the companies in the same industry are doing better.
- 1CBK has a Return On Equity of 7.15%. This is in the lower half of the industry: 1CBK underperforms 68.64% 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
- The Profit Margin of 1CBK (17.93%) is worse than 73.73% 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.
- Compared to 1 year ago, 1CBK has less shares outstanding
- Compared to 5 years ago, 1CBK has less shares outstanding
- 1CBK has a worse debt/assets ratio than last year.
2.2 Solvency
- 1CBK has a Debt/Equity ratio of 2.24. This is a high value indicating a heavy dependency on external financing.
- 1CBK's Debt to Equity ratio of 2.24 is in line compared to the rest of the industry. 1CBK outperforms 44.07% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.24 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC13.18%
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 61.02% over the past year.
- Measured over the past years, 1CBK 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, 1CBK shows a small growth in Revenue. The Revenue has grown by 5.26% in the last year.
- The Revenue has been growing slightly by 6.65% on average over the past years.
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
- The Earnings Per Share is expected to grow by 8.34% on average over the next years. This is quite good.
- The Revenue is expected to grow by 4.87% on average over the next years.
EPS Next Y18.07%
EPS Next 2Y20.75%
EPS Next 3Y20.5%
EPS Next 5Y8.34%
Revenue Next Year10.16%
Revenue Next 2Y9.1%
Revenue Next 3Y7.95%
Revenue Next 5Y4.87%
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.
- 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
- With a Price/Earnings ratio of 12.27, 1CBK is valued correctly.
- The rest of the industry has a similar Price/Earnings ratio as 1CBK.
- When comparing the Price/Earnings ratio of 1CBK to the average of the S&P500 Index (27.30), we can say 1CBK is valued rather cheaply.
- With a Price/Forward Earnings ratio of 11.42, the valuation of 1CBK can be described as very reasonable.
- 1CBK's Price/Forward Earnings is on the same level as the industry average.
- 1CBK's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 24.04.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.27 | ||
| Fwd PE | 11.42 |
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 20.50% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.68
PEG (5Y)0.44
EPS Next 2Y20.75%
EPS Next 3Y20.5%
5. Dividend
5.1 Amount
- 1CBK has a Yearly Dividend Yield of 1.84%. Purely for dividend investing, there may be better candidates out there.
- Compared to an average industry Dividend Yield of 4.05, 1CBK's dividend is way lower than its industry peers. On top of this 80.51% of the companies listed in the same industry pay a better dividend than 1CBK!
- Compared to an average S&P500 Dividend Yield of 1.92, 1CBK has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.84% |
5.2 History
- The dividend of 1CBK is nicely growing with an annual growth rate of 11.38%!
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 2Y20.75%
EPS Next 3Y20.5%
BIT:1CBK (1/7/2026, 7:00:00 PM)
34.96
-0.81 (-2.26%)
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 Owners37.21%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap39.42B
Revenue(TTM)13.52B
Net Income(TTM)2.42B
Analysts67.62
Price Target35.29 (0.94%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.84% |
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)4.81%
PT rev (3m)4.59%
EPS NQ rev (1m)-1.36%
EPS NQ rev (3m)-1.36%
EPS NY rev (1m)-2.04%
EPS NY rev (3m)-0.61%
Revenue NQ rev (1m)-0.87%
Revenue NQ rev (3m)-1.33%
Revenue NY rev (1m)-0.42%
Revenue NY rev (3m)-0.34%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.27 | ||
| Fwd PE | 11.42 | ||
| P/S | 2.92 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 1.16 | ||
| P/tB | 1.23 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.85
EY8.15%
EPS(NY)3.06
Fwd EY8.76%
FCF(TTM)-26.5
FCFYN/A
OCF(TTM)-26.5
OCFYN/A
SpS11.96
BVpS30.01
TBVpS28.42
PEG (NY)0.68
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
WACC13.18%
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 Y18.07%
EPS Next 2Y20.75%
EPS Next 3Y20.5%
EPS Next 5Y8.34%
Revenue 1Y (TTM)5.26%
Revenue growth 3Y8.47%
Revenue growth 5Y6.65%
Sales Q2Q%7.42%
Revenue Next Year10.16%
Revenue Next 2Y9.1%
Revenue Next 3Y7.95%
Revenue Next 5Y4.87%
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.
Can you provide the valuation status for COMMERZBANK AG?
ChartMill assigns a valuation rating of 4 / 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.
What is the earnings growth outlook for COMMERZBANK AG?
The Earnings per Share (EPS) of COMMERZBANK AG (1CBK.MI) is expected to grow by 18.07% in the next year.