COMMERZBANK AG (1CBK.MI) Stock Fundamental Analysis
Europe - Euronext Milan - BIT:1CBK - DE000CBK1001 - Common Stock
34.43 EUR
-1.34 (-3.75%)
We assign a fundamental rating of 3 out of 10 to 1CBK. 1CBK was compared to 111 industry peers in the Banks industry. 1CBK has a bad profitability rating. Also its financial health evaluation is rather negative. 1CBK has a decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
- In the past year 1CBK was profitable.
- 1CBK had a negative operating cash flow in the past year.
- 1CBK had positive earnings in 4 of the past 5 years.
- The reported operating cash flow has been mixed in the past 5 years: 1CBK reported negative operating cash flow in multiple years.
1.2 Ratios
- 1CBK has a worse Return On Assets (0.42%) than 80.51% 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 67.80% 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
- With a Profit Margin value of 17.93%, 1CBK is not doing good in the industry: 73.73% of the companies in the same industry are doing better.
- 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.
- 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.
- With a Debt to Equity ratio value of 2.24, 1CBK perfoms like the industry average, outperforming 43.22% of the companies in the same industry.
| 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.
- 1CBK shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 28.05% yearly.
- Looking at the last year, 1CBK shows a small growth in Revenue. The Revenue has grown by 5.26% in the last year.
- 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)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
- 1CBK is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 8.03% yearly.
- 1CBK is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.56% yearly.
EPS Next Y16.11%
EPS Next 2Y20.88%
EPS Next 3Y20.61%
EPS Next 5Y8.03%
Revenue Next Year10.13%
Revenue Next 2Y9.15%
Revenue Next 3Y7.99%
Revenue Next 5Y4.56%
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.
4. Valuation
4.1 Price/Earnings Ratio
- With a Price/Earnings ratio of 12.08, 1CBK is valued correctly.
- 1CBK's Price/Earnings ratio is in line with the industry average.
- 1CBK is valuated cheaply when we compare the Price/Earnings ratio to 26.94, which is the current average of the S&P500 Index.
- The Price/Forward Earnings ratio is 11.22, which indicates a very decent valuation of 1CBK.
- 1CBK's Price/Forward Earnings ratio is in line with the industry average.
- Compared to an average S&P500 Price/Forward Earnings ratio of 23.94, 1CBK is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.08 | ||
| Fwd PE | 11.22 |
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.
- A more expensive valuation may be justified as 1CBK's earnings are expected to grow with 20.61% in the coming years.
PEG (NY)0.75
PEG (5Y)0.43
EPS Next 2Y20.88%
EPS Next 3Y20.61%
5. Dividend
5.1 Amount
- 1CBK has a Yearly Dividend Yield of 1.86%. Purely for dividend investing, there may be better candidates out there.
- With a Dividend Yield of 1.86, 1CBK pays less dividend than the industry average, which is at 4.03. 84.75% of the companies listed in the same industry pay a better dividend than 1CBK!
- Compared to an average S&P500 Dividend Yield of 1.83, 1CBK has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.86% |
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
- 1CBK's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DPN/A
EPS Next 2Y20.88%
EPS Next 3Y20.61%
BIT:1CBK (1/19/2026, 7:00:00 PM)
34.43
-1.34 (-3.75%)
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 Owners36.33%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap38.82B
Revenue(TTM)13.52B
Net Income(TTM)2.42B
Analysts68.57
Price Target35.61 (3.43%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.86% |
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)0.92%
PT rev (3m)4.36%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-0.51%
EPS NY rev (1m)-1.66%
EPS NY rev (3m)-3.66%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-1.33%
Revenue NY rev (1m)-0.02%
Revenue NY rev (3m)-0.45%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.08 | ||
| Fwd PE | 11.22 | ||
| P/S | 2.88 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 1.15 | ||
| P/tB | 1.21 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.85
EY8.28%
EPS(NY)3.07
Fwd EY8.91%
FCF(TTM)-26.5
FCFYN/A
OCF(TTM)-26.5
OCFYN/A
SpS11.96
BVpS30.01
TBVpS28.42
PEG (NY)0.75
PEG (5Y)0.43
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 Y16.11%
EPS Next 2Y20.88%
EPS Next 3Y20.61%
EPS Next 5Y8.03%
Revenue 1Y (TTM)5.26%
Revenue growth 3Y8.47%
Revenue growth 5Y6.65%
Sales Q2Q%7.42%
Revenue Next Year10.13%
Revenue Next 2Y9.15%
Revenue Next 3Y7.99%
Revenue Next 5Y4.56%
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 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.
What is the earnings growth outlook for COMMERZBANK AG?
The Earnings per Share (EPS) of COMMERZBANK AG (1CBK.MI) is expected to grow by 16.11% in the next year.