COMMERZBANK AG (1CBK.MI) Fundamental Analysis & Valuation

BIT:1CBK • DE000CBK1001

Current stock price

30.19 EUR
-1.24 (-3.95%)
Last:

This 1CBK.MI fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

2

1. 1CBK.MI Profitability Analysis

1.1 Basic Checks

  • 1CBK had positive earnings in the past year.
  • 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.
1CBK.MI Yearly Net Income VS EBIT VS OCF VS FCF1CBK.MI Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10B -10B 20B -20B 30B

1.2 Ratios

  • 1CBK has a Return On Assets of 0.42%. This is in the lower half of the industry: 1CBK underperforms 79.28% 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 66.67% of its industry peers.
Industry RankSector 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
1CBK.MI Yearly ROA, ROE, ROIC1CBK.MI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5 -5 -10

1.3 Margins

  • 1CBK's Profit Margin of 18.53% is on the low side compared to the rest of the industry. 1CBK is outperformed by 71.17% of its industry peers.
  • 1CBK's Profit Margin has improved in the last couple of years.
  • The Operating Margin and Gross Margin are not available for 1CBK so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 18.53%
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
1CBK.MI Yearly Profit, Operating, Gross Margins1CBK.MI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10 -10 -20

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1

2. 1CBK.MI Health Analysis

2.1 Basic Checks

  • 1CBK does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • There is no outstanding debt for 1CBK. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
1CBK.MI Yearly Shares Outstanding1CBK.MI Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M 1B
1CBK.MI Yearly Total Debt VS Total Assets1CBK.MI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 100B 200B 300B 400B 500B

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 41.44% of its industry peers.
Industry RankSector Rank
Debt/Equity 2.24
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC13.67%
1CBK.MI Yearly LT Debt VS Equity VS FCF1CBK.MI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20B -20B 40B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
1CBK.MI Yearly Current Assets VS Current Liabilites1CBK.MI Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M 1B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

3

3. 1CBK.MI Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 38.10% over the past year.
  • 1CBK shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 41.21% yearly.
EPS 1Y (TTM)38.1%
EPS 3Y41.21%
EPS 5YN/A
EPS Q2Q%7.69%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%6.26%

3.2 Future

  • 1CBK is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 6.25% yearly.
  • The Revenue is expected to grow by 4.42% on average over the next years.
EPS Next Y4.55%
EPS Next 2Y12.12%
EPS Next 3Y14.08%
EPS Next 5Y6.25%
Revenue Next Year8.36%
Revenue Next 2Y7.49%
Revenue Next 3Y6.79%
Revenue Next 5Y4.42%

3.3 Evolution

  • The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
1CBK.MI Yearly Revenue VS Estimates1CBK.MI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 5B 10B 15B
1CBK.MI Yearly EPS VS Estimates1CBK.MI Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 0 1 2 3 4

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4. 1CBK.MI Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 10.41, which indicates a very decent valuation of 1CBK.
  • 1CBK's Price/Earnings is on the same level as the industry average.
  • The average S&P500 Price/Earnings ratio is at 25.58. 1CBK is valued rather cheaply when compared to this.
  • A Price/Forward Earnings ratio of 9.96 indicates a reasonable valuation of 1CBK.
  • 1CBK's Price/Forward Earnings is on the same level as the industry average.
  • The average S&P500 Price/Forward Earnings ratio is at 22.81. 1CBK is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 10.41
Fwd PE 9.96
1CBK.MI Price Earnings VS Forward Price Earnings1CBK.MI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
1CBK.MI Per share data1CBK.MI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 10 -10 20 -20 30

4.3 Compensation for Growth

  • The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates 1CBK does not grow enough to justify the current Price/Earnings ratio.
  • 1CBK's earnings are expected to grow with 14.08% in the coming years. This may justify a more expensive valuation.
PEG (NY)2.29
PEG (5Y)N/A
EPS Next 2Y12.12%
EPS Next 3Y14.08%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

4

5. 1CBK.MI Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 3.49%, 1CBK has a reasonable but not impressive dividend return.
  • Compared to an average industry Dividend Yield of 4.78, 1CBK is paying slightly less dividend.
  • Compared to an average S&P500 Dividend Yield of 1.89, 1CBK pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.49%

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

  • 1CBK's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DPN/A
EPS Next 2Y12.12%
EPS Next 3Y14.08%
1CBK.MI Yearly Income VS Free CF VS Dividend1CBK.MI Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10B -10B 20B -20B 30B

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1CBK.MI Fundamentals: All Metrics, Ratios and Statistics

COMMERZBANK AG

BIT:1CBK (3/30/2026, 7:00:00 PM)

30.19

-1.24 (-3.95%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-11
Earnings (Next)05-08
Inst Owners36.77%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap34.04B
Revenue(TTM)N/A
Net Income(TTM)2.42B
Analysts70
Price Target37.81 (25.24%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 3.49%
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)4.97%
PT rev (3m)7.14%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0.44%
EPS NY rev (3m)-0.81%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0.23%
Revenue NY rev (3m)0.2%
Valuation
Industry RankSector Rank
PE 10.41
Fwd PE 9.96
P/S 2.61
P/FCF N/A
P/OCF N/A
P/B 1.01
P/tB 1.06
EV/EBITDA N/A
EPS(TTM)2.9
EY9.61%
EPS(NY)3.03
Fwd EY10.04%
FCF(TTM)-26.5
FCFYN/A
OCF(TTM)-26.5
OCFYN/A
SpS11.57
BVpS30.01
TBVpS28.42
PEG (NY)2.29
PEG (5Y)N/A
Graham Number44.25
Profitability
Industry RankSector Rank
ROA 0.42%
ROE 7.15%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 18.53%
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-Score4
Asset Turnover0.02
Health
Industry RankSector 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-Score4
WACC13.67%
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)38.1%
EPS 3Y41.21%
EPS 5YN/A
EPS Q2Q%7.69%
EPS Next Y4.55%
EPS Next 2Y12.12%
EPS Next 3Y14.08%
EPS Next 5Y6.25%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%6.26%
Revenue Next Year8.36%
Revenue Next 2Y7.49%
Revenue Next 3Y6.79%
Revenue Next 5Y4.42%
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 Fundamental Analysis FAQ

What is the ChartMill fundamental rating of COMMERZBANK AG (1CBK.MI) stock?

ChartMill assigns a fundamental rating of 2 / 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.


How profitable is COMMERZBANK AG (1CBK.MI) stock?

COMMERZBANK AG (1CBK.MI) has a profitability rating of 2 / 10.


What are the PE and PB ratios of COMMERZBANK AG (1CBK.MI) stock?

The Price/Earnings (PE) ratio for COMMERZBANK AG (1CBK.MI) is 10.41 and the Price/Book (PB) ratio is 1.01.


How financially healthy is COMMERZBANK AG?

The financial health rating of COMMERZBANK AG (1CBK.MI) is 1 / 10.