1CBK Fundamental Analysis - COMMERZBANK AG

Fundamental Rating

1CBK gets a fundamental rating of 2 out of 10. The analysis compared the fundamentals against 87 industry peers in the Banks industry. 1CBK has a bad profitability rating. Also its financial health evaluation is rather negative. While showing a medium growth rate, 1CBK is valued expensive at the moment.

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1. Profitability

1.1 Basic Checks

In the past year 1CBK was profitable.

In the past year 1CBK has reported a negative cash flow from operations.

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

1CBK's Return On Assets of 0.44% is on the low side compared to the rest of the industry. 1CBK is outperformed by 71.26% of its industry peers.

1CBK's Return On Equity of 7.15% is on the low side compared to the rest of the industry. 1CBK is outperformed by 64.37% of its industry peers.

		Industry Rank	Sector Rank
ROA	0.44%
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 has a Profit Margin (19.01%) which is comparable to the rest of the industry.

In the last couple of years the Profit Margin of 1CBK has grown nicely.

The Operating Margin and Gross Margin are not available for 1CBK so they could not be analyzed.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	19.01%
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

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ROA

ROE

ROIC

Operating and Profit Margin

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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.

1CBK has less shares outstanding than it did 5 years ago.

1CBK has a worse debt/assets ratio than last year.

2.2 Solvency

A Debt/Equity ratio of 1.59 is on the high side and indicates that 1CBK has dependencies on debt financing.

1CBK has a better Debt to Equity ratio (1.59) than 64.37% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	1.59
Debt/FCF	N/A
Altman-Z	N/A

ROIC/WACCN/A

WACC13.63%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

1CBK shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 15.96%, which is quite good.

1CBK shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 28.05% yearly.

1CBK shows a small growth in Revenue. In the last year, the Revenue has grown by 3.72%.

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)15.96%

EPS 3Y103.28%

EPS 5Y28.05%

EPS Q2Q%25.81%

Revenue 1Y (TTM)3.72%

Revenue growth 3Y8.47%

Revenue growth 5Y6.65%

Sales Q2Q%7.35%

3.2 Future

The Earnings Per Share is expected to grow by 7.25% on average over the next years.

1CBK is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.52% yearly.

EPS Next Y6.3%

EPS Next 2Y17.71%

EPS Next 3Y18.63%

EPS Next 5Y7.25%

Revenue Next Year8.03%

Revenue Next 2Y7.51%

Revenue Next 3Y6.94%

Revenue Next 5Y3.52%

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.

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4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 11.94 indicates a reasonable valuation of 1CBK.

1CBK's Price/Earnings ratio is a bit more expensive when compared to the industry. 1CBK is more expensive than 73.56% of the companies in the same industry.

1CBK is valuated cheaply when we compare the Price/Earnings ratio to 27.15, which is the current average of the S&P500 Index.

Based on the Price/Forward Earnings ratio of 9.27, the valuation of 1CBK can be described as reasonable.

1CBK's Price/Forward Earnings ratio is in line with the industry average.

1CBK is valuated cheaply when we compare the Price/Forward Earnings ratio to 21.60, which is the current average of the S&P500 Index.

		Industry Rank	Sector Rank
PE	11.94
Fwd PE	9.27

4.2 Price Multiples

		Industry Rank	Sector Rank
P/FCF	N/A
EV/EBITDA	N/A

4.3 Compensation for Growth

The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.

A more expensive valuation may be justified as 1CBK's earnings are expected to grow with 18.63% in the coming years.

PEG (NY)1.9

PEG (5Y)0.43

EPS Next 2Y17.71%

EPS Next 3Y18.63%

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5. Dividend

5.1 Amount

1CBK has a Yearly Dividend Yield of 2.40%.

With a Dividend Yield of 2.40, 1CBK pays less dividend than the industry average, which is at 5.13. 89.66% of the companies listed in the same industry pay a better dividend than 1CBK!

1CBK's Dividend Yield is comparable with the S&P500 average which is at 2.42.

		Industry Rank	Sector Rank
Dividend Yield	2.4%

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

16.84% of the earnings are spent on dividend by 1CBK. This is a low number and sustainable payout ratio.

1CBK's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.

DP16.84%

EPS Next 2Y17.71%

EPS Next 3Y18.63%

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COMMERZBANK AG

BIT:1CBK (6/26/2025, 7:00:00 PM)

26.98

-1.19 (-4.22%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)05-09 2025-05-09/bmo

Earnings (Next)08-06 2025-08-06

Inst Owners41.92%

Inst Owner ChangeN/A

Ins OwnersN/A

Ins Owner ChangeN/A

Market Cap31.96B

Analysts78.18

Price Target27.35 (1.37%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	2.4%

Yearly Dividend0.34

Dividend Growth(5Y)11.38%

DP16.84%

Div Incr YearsN/A

Div Non Decr YearsN/A

Ex-DateN/A

Surprises & Revisions

EPS beat(2)2

Avg EPS beat(2)57.62%

Min EPS beat(2)32.01%

Max EPS beat(2)83.22%

EPS beat(4)3

Avg EPS beat(4)22.65%

Min EPS beat(4)-35.08%

Max EPS beat(4)83.22%

EPS beat(8)6

Avg EPS beat(8)19.12%

EPS beat(12)8

Avg EPS beat(12)16.16%

EPS beat(16)11

Avg EPS beat(16)55.67%

Revenue beat(2)2

Avg Revenue beat(2)1.84%

Min Revenue beat(2)1.03%

Max Revenue beat(2)2.64%

Revenue beat(4)3

Avg Revenue beat(4)0.95%

Min Revenue beat(4)-1.15%

Max Revenue beat(4)2.64%

Revenue beat(8)7

Avg Revenue beat(8)10.48%

Revenue beat(12)11

Avg Revenue beat(12)16.52%

Revenue beat(16)15

Avg Revenue beat(16)16.2%

PT rev (1m)12.29%

PT rev (3m)17.61%

EPS NQ rev (1m)3.59%

EPS NQ rev (3m)-2.99%

EPS NY rev (1m)0%

EPS NY rev (3m)0.37%

Revenue NQ rev (1m)0.17%

Revenue NQ rev (3m)-0.73%

Revenue NY rev (1m)0%

Revenue NY rev (3m)1.85%

Valuation

		Industry Rank	Sector Rank
PE	11.94
Fwd PE	9.27
P/S	2.47
P/FCF	N/A
P/OCF	N/A
P/B	0.93
P/tB	0.98
EV/EBITDA	N/A

EPS(TTM)2.26

EY8.38%

EPS(NY)2.91

Fwd EY10.78%

FCF(TTM)-18.12

FCFYN/A

OCF(TTM)-17.15

OCFYN/A

SpS10.94

BVpS29.09

TBVpS27.59

PEG (NY)1.9

PEG (5Y)0.43

Profitability

		Industry Rank	Sector Rank
ROA	0.44%
ROE	7.15%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	19.01%
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

ROICexcg growth 3YN/A

ROICexcg 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	1.59
Debt/FCF	N/A
Debt/EBITDA	N/A
Cap/Depr	52.16%
Cap/Sales	8.84%
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

WACC13.63%

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)15.96%

EPS 3Y103.28%

EPS 5Y28.05%

EPS Q2Q%25.81%

EPS Next Y6.3%

EPS Next 2Y17.71%

EPS Next 3Y18.63%

EPS Next 5Y7.25%

Revenue 1Y (TTM)3.72%

Revenue growth 3Y8.47%

Revenue growth 5Y6.65%

Sales Q2Q%7.35%

Revenue Next Year8.03%

Revenue Next 2Y7.51%

Revenue Next 3Y6.94%

Revenue Next 5Y3.52%

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-211.29%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y-200.16%

OCF growth 3YN/A

OCF growth 5YN/A

COMMERZBANK AG (1CBK.MI) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens