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

BIT:1CBK • DE000CBK1001

Current stock price

34.52 EUR
-2.01 (-5.5%)
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

  • In the past year 1CBK was profitable.
  • In the past year 1CBK has reported a negative cash flow from operations.
  • Each year in the past 5 years 1CBK has been profitable.
  • The reported operating cash flow has been mixed in the past 5 years: 1CBK reported negative operating cash flow in multiple 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 2025 0 10B -10B 20B -20B 30B

1.2 Ratios

  • 1CBK's Return On Assets of 0.39% is on the low side compared to the rest of the industry. 1CBK is outperformed by 82.18% of its industry peers.
  • The Return On Equity of 1CBK (6.85%) is worse than 66.34% of its industry peers.
Industry RankSector Rank
ROA 0.39%
ROE 6.85%
ROIC N/A
ROA(3y)0.41%
ROA(5y)0.31%
ROE(3y)6.78%
ROE(5y)5.1%
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 2025 0 5 -5 -10

1.3 Margins

  • The Profit Margin of 1CBK (17.30%) is worse than 72.28% 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) 17.3%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y16.78%
PM growth 5YN/A
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 2025 0 10 -10 -20

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ROAROEROICOperating and Profit MarginShow most profitable peers

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.
  • Compared to 1 year ago, 1CBK has less shares outstanding
  • 1CBK has less shares outstanding than it did 5 years ago.
  • 1CBK has a worse debt/assets ratio than last year.
1CBK.MI Yearly Shares Outstanding1CBK.MI Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 2025 100B 200B 300B 400B 500B

2.2 Solvency

  • 1CBK has a Debt/Equity ratio of 2.14. This is a high value indicating a heavy dependency on external financing.
  • With a Debt to Equity ratio value of 2.14, 1CBK perfoms like the industry average, outperforming 46.53% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 2.14
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC11.24%
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 2025 0 20B -20B 40B 60B

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 2025 200M 400M 600M 800M 1B

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

4

3. 1CBK.MI Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 38.10% 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 41.21% on average per year.
  • Looking at the last year, 1CBK shows a small growth in Revenue. The Revenue has grown by 3.25% in the last year.
  • Measured over the past years, 1CBK shows a small growth in Revenue. The Revenue has been growing by 7.59% on average per year.
EPS 1Y (TTM)38.1%
EPS 3Y41.21%
EPS 5YN/A
EPS Q2Q%7.69%
Revenue 1Y (TTM)3.25%
Revenue growth 3Y5.31%
Revenue growth 5Y7.59%
Sales Q2Q%6.26%

3.2 Future

  • Based on estimates for the next years, 1CBK will show a small growth in Earnings Per Share. The EPS will grow by 5.54% on average per year.
  • 1CBK is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.72% yearly.
EPS Next Y4.61%
EPS Next 2Y12.46%
EPS Next 3Y15.55%
EPS Next 5Y5.54%
Revenue Next Year8.55%
Revenue Next 2Y7.59%
Revenue Next 3Y7%
Revenue Next 5Y3.72%

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.
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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3

4. 1CBK.MI Valuation Analysis

4.1 Price/Earnings Ratio

  • 1CBK is valuated reasonably with a Price/Earnings ratio of 11.90.
  • 1CBK's Price/Earnings is on the same level as the industry average.
  • When comparing the Price/Earnings ratio of 1CBK to the average of the S&P500 Index (26.91), we can say 1CBK is valued rather cheaply.
  • Based on the Price/Forward Earnings ratio of 11.38, 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 rather cheaply when we compare the Price/Forward Earnings ratio to 21.99, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 11.9
Fwd PE 11.38
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 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.
  • A more expensive valuation may be justified as 1CBK's earnings are expected to grow with 15.55% in the coming years.
PEG (NY)2.58
PEG (5Y)N/A
EPS Next 2Y12.46%
EPS Next 3Y15.55%

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

4

5. 1CBK.MI Dividend Analysis

5.1 Amount

  • 1CBK has a Yearly Dividend Yield of 3.19%.
  • Compared to an average industry Dividend Yield of 4.48, 1CBK is paying slightly less dividend.
  • 1CBK's Dividend Yield is rather good when compared to the S&P500 average which is at 1.82.
Industry RankSector Rank
Dividend Yield 3.19%

5.2 History

Dividend Growth(5Y)N/A
Div Incr Years0
Div Non Decr Years0

5.3 Sustainability

  • 31.65% of the earnings are spent on dividend by 1CBK. This is a low number and sustainable payout ratio.
DP31.65%
EPS Next 2Y12.46%
EPS Next 3Y15.55%
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 2025 0 10B -10B 20B -20B 30B
1CBK.MI Dividend Payout.1CBK.MI Dividend Payout, showing the Payout Ratio.1CBK.MI Dividend Payout.PayoutRetained Earnings

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

COMMERZBANK AG

BIT:1CBK (4/23/2026, 7:00:00 PM)

34.52

-2.01 (-5.5%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-11
Earnings (Next)05-08
Inst Owners34.5%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap38.92B
Revenue(TTM)13.39B
Net Income(TTM)2.32B
Analysts71.43
Price Target38.43 (11.33%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 3.19%
Yearly Dividend0.64
Dividend Growth(5Y)N/A
DP31.65%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)7.86%
Min EPS beat(2)-9.84%
Max EPS beat(2)25.56%
EPS beat(4)3
Avg EPS beat(4)19.31%
Min EPS beat(4)-9.84%
Max EPS beat(4)42.7%
EPS beat(8)6
Avg EPS beat(8)20.98%
EPS beat(12)9
Avg EPS beat(12)19.18%
EPS beat(16)11
Avg EPS beat(16)16.95%
Revenue beat(2)1
Avg Revenue beat(2)-0.42%
Min Revenue beat(2)-1.34%
Max Revenue beat(2)0.51%
Revenue beat(4)2
Avg Revenue beat(4)-0.54%
Min Revenue beat(4)-1.44%
Max Revenue beat(4)0.51%
Revenue beat(8)5
Avg Revenue beat(8)0.21%
Revenue beat(12)9
Avg Revenue beat(12)6.81%
Revenue beat(16)13
Avg Revenue beat(16)12.26%
PT rev (1m)1.64%
PT rev (3m)7.9%
EPS NQ rev (1m)-3.33%
EPS NQ rev (3m)-2.08%
EPS NY rev (1m)0.06%
EPS NY rev (3m)-1.14%
Revenue NQ rev (1m)0.84%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0.17%
Revenue NY rev (3m)0.58%
Valuation
Industry RankSector Rank
PE 11.9
Fwd PE 11.38
P/S 2.91
P/FCF N/A
P/OCF N/A
P/B 1.15
P/tB 1.22
EV/EBITDA N/A
EPS(TTM)2.9
EY8.4%
EPS(NY)3.03
Fwd EY8.79%
FCF(TTM)-6.98
FCFYN/A
OCF(TTM)-5.97
OCFYN/A
SpS11.87
BVpS30
TBVpS28.35
PEG (NY)2.58
PEG (5Y)N/A
Graham Number44.2463 (28.18%)
Profitability
Industry RankSector Rank
ROA 0.39%
ROE 6.85%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 17.3%
GM N/A
FCFM N/A
ROA(3y)0.41%
ROA(5y)0.31%
ROE(3y)6.78%
ROE(5y)5.1%
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 3Y16.78%
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score2
Asset Turnover0.02
Health
Industry RankSector Rank
Debt/Equity 2.14
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 24.54%
Cap/Sales 8.57%
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-Score2
WACC11.24%
ROIC/WACCN/A
Cap/Depr(3y)66.44%
Cap/Depr(5y)67.32%
Cap/Sales(3y)8.05%
Cap/Sales(5y)7.8%
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 Y4.61%
EPS Next 2Y12.46%
EPS Next 3Y15.55%
EPS Next 5Y5.54%
Revenue 1Y (TTM)3.25%
Revenue growth 3Y5.31%
Revenue growth 5Y7.59%
Sales Q2Q%6.26%
Revenue Next Year8.55%
Revenue Next 2Y7.59%
Revenue Next 3Y7%
Revenue Next 5Y3.72%
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 1Y63.31%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y66.89%
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 3 / 10 to COMMERZBANK AG (1CBK.MI). This can be considered as Overvalued.


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 11.9 and the Price/Book (PB) ratio is 1.15.


How financially healthy is COMMERZBANK AG?

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