COMMERZBANK AG (1CBK.MI) Stock Fundamental Analysis
Europe - BIT:1CBK - DE000CBK1001 - Common Stock
30.53 EUR
+0.96 (+3.25%)
We assign a fundamental rating of 3 out of 10 to 1CBK. 1CBK was compared to 95 industry peers in the Banks industry. 1CBK has a bad profitability rating. Also its financial health evaluation is rather negative. 1CBK has a correct valuation and a medium growth rate.
1. Profitability
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.
1CBK had positive earnings in 4 of the past 5 years.
In multiple years 1CBK reported negative operating cash flow during the last 5 years.
1.2 Ratios
The Return On Assets of 1CBK (0.42%) is worse than 76.29% 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 65.98% 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
Looking at the Profit Margin, with a value of 17.93%, 1CBK is doing worse than 65.98% of the companies in the same industry.
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 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.
The number of shares outstanding for 1CBK has been reduced compared to 1 year ago.
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 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
1CBK shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 60.22%, which is quite impressive.
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.
The Revenue has been growing slightly by 5.07% in the past year.
The Revenue has been growing slightly by 6.65% on average over the past years.
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
Based on estimates for the next years, 1CBK will show a quite strong growth in Earnings Per Share. The EPS will grow by 8.07% on average per year.
Based on estimates for the next years, 1CBK will show a small growth in Revenue. The Revenue will grow by 4.32% on average per year.
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
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
1CBK is valuated reasonably with a Price/Earnings ratio of 10.67.
1CBK's Price/Earnings is on the same level as the industry average.
Compared to an average S&P500 Price/Earnings ratio of 26.13, 1CBK is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 10.03, the valuation of 1CBK can be described as reasonable.
1CBK's Price/Forward Earnings ratio is in line with the industry average.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.35, 1CBK is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.67 | ||
| Fwd PE | 10.03 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The 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 1CBK's earnings are expected to grow with 20.33% in the coming years.
PEG (NY)0.52
PEG (5Y)0.38
EPS Next 2Y20.4%
EPS Next 3Y20.33%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 2.08%, 1CBK has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 4.84, 1CBK's dividend is way lower than its industry peers. On top of this 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 2.39, 1CBK has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.08% |
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 2Y20.4%
EPS Next 3Y20.33%
BIT:1CBK (10/20/2025, 7:00:00 PM)
30.53
+0.96 (+3.25%)
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 Cap34.42B
Revenue(TTM)13.49B
Net Income(TTM)2.42B
Analysts56.52
Price Target33.67 (10.28%)
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 | 10.67 | ||
| Fwd PE | 10.03 | ||
| P/S | 2.55 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 1.02 | ||
| P/tB | 1.07 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.86
EY9.37%
EPS(NY)3.04
Fwd EY9.97%
FCF(TTM)-26.5
FCFYN/A
OCF(TTM)-26.5
OCFYN/A
SpS11.96
BVpS30.01
TBVpS28.42
PEG (NY)0.52
PEG (5Y)0.38
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 10.67 and the Price/Book (PB) ratio is 1.02.
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.