COMMERZBANK AG (1CBK.MI) Stock Fundamental Analysis
Europe - Euronext Milan - BIT:1CBK - DE000CBK1001 - Common Stock
33.97 EUR
-0.43 (-1.25%)
Taking everything into account, 1CBK scores 3 out of 10 in our fundamental rating. 1CBK was compared to 108 industry peers in the Banks industry. 1CBK may be in some trouble as it scores bad on both profitability and health. 1CBK has a decent growth rate and is not valued too expensively.
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.
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
Looking at the Return On Assets, with a value of 0.42%, 1CBK is doing worse than 80.56% of the companies in the same industry.
1CBK has a worse Return On Equity (7.15%) than 72.22% 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
1CBK's Profit Margin of 17.93% is on the low side compared to the rest of the industry. 1CBK is outperformed by 71.30% of its industry peers.
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.
Compared to 1 year ago, 1CBK has less shares outstanding
Compared to 5 years ago, 1CBK has less shares outstanding
The debt/assets ratio for 1CBK is higher compared to a year ago.
2.2 Solvency
A Debt/Equity ratio of 2.24 is on the high side and indicates that 1CBK has dependencies on debt financing.
1CBK's Debt to Equity ratio of 2.24 is in line compared to the rest of the industry. 1CBK outperforms 47.22% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.24 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC13.2%
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 61.02%, 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.
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 8.34% yearly.
1CBK is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.87% yearly.
EPS Next Y19.34%
EPS Next 2Y20.15%
EPS Next 3Y20.4%
EPS Next 5Y8.34%
Revenue Next Year10.17%
Revenue Next 2Y8.76%
Revenue Next 3Y7.86%
Revenue Next 5Y4.87%
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 11.92, the valuation of 1CBK can be described as very reasonable.
71.30% of the companies in the same industry are cheaper than 1CBK, based on the Price/Earnings ratio.
Compared to an average S&P500 Price/Earnings ratio of 26.31, 1CBK is valued rather cheaply.
The Price/Forward Earnings ratio is 11.21, which indicates a very decent valuation of 1CBK.
1CBK's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. 1CBK is more expensive than 62.04% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 36.59. 1CBK is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.92 | ||
| Fwd PE | 11.21 |
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 20.40% in the coming years.
PEG (NY)0.62
PEG (5Y)0.42
EPS Next 2Y20.15%
EPS Next 3Y20.4%
5. Dividend
5.1 Amount
1CBK has a Yearly Dividend Yield of 1.91%.
With a Dividend Yield of 1.91, 1CBK pays less dividend than the industry average, which is at 4.73. 87.96% of the companies listed in the same industry pay a better dividend than 1CBK!
Compared to an average S&P500 Dividend Yield of 2.34, 1CBK has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.91% |
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
The dividend of 1CBK is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DPN/A
EPS Next 2Y20.15%
EPS Next 3Y20.4%
BIT:1CBK (11/27/2025, 7:00:00 PM)
33.97
-0.43 (-1.25%)
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 Cap38.30B
Revenue(TTM)13.52B
Net Income(TTM)2.42B
Analysts65.71
Price Target34.73 (2.24%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.91% |
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)1.78%
PT rev (3m)4.22%
EPS NQ rev (1m)-1.36%
EPS NQ rev (3m)-1.36%
EPS NY rev (1m)-0.98%
EPS NY rev (3m)0.47%
Revenue NQ rev (1m)-0.87%
Revenue NQ rev (3m)-1.33%
Revenue NY rev (1m)-0.41%
Revenue NY rev (3m)-0.33%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.92 | ||
| Fwd PE | 11.21 | ||
| P/S | 2.84 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 1.13 | ||
| P/tB | 1.2 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.85
EY8.39%
EPS(NY)3.03
Fwd EY8.92%
FCF(TTM)-26.5
FCFYN/A
OCF(TTM)-26.5
OCFYN/A
SpS11.96
BVpS30.01
TBVpS28.42
PEG (NY)0.62
PEG (5Y)0.42
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
WACC13.2%
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 Y19.34%
EPS Next 2Y20.15%
EPS Next 3Y20.4%
EPS Next 5Y8.34%
Revenue 1Y (TTM)5.26%
Revenue growth 3Y8.47%
Revenue growth 5Y6.65%
Sales Q2Q%7.42%
Revenue Next Year10.17%
Revenue Next 2Y8.76%
Revenue Next 3Y7.86%
Revenue Next 5Y4.87%
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 4 / 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 11.92 and the Price/Book (PB) ratio is 1.13.
What is the earnings growth outlook for COMMERZBANK AG?
The Earnings per Share (EPS) of COMMERZBANK AG (1CBK.MI) is expected to grow by 19.34% in the next year.