COMMERZBANK AG (1CBK.MI) Stock Fundamental Analysis
Europe - Euronext Milan - BIT:1CBK - DE000CBK1001 - Common Stock
34.96 EUR
+0.82 (+2.4%)
We assign a fundamental rating of 3 out of 10 to 1CBK. 1CBK was compared to 114 industry peers in the Banks industry. 1CBK may be in some trouble as it scores bad on both profitability and health. 1CBK has a correct valuation and a medium growth rate.
1. Profitability
1.1 Basic Checks
1CBK had positive earnings in the past year.
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
With a Return On Assets value of 0.42%, 1CBK is not doing good in the industry: 79.65% of the companies in the same industry are doing better.
1CBK has a Return On Equity of 7.15%. This is in the lower half of the industry: 1CBK underperforms 69.03% 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 has a worse Profit Margin (17.93%) than 69.03% 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 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
A Debt/Equity ratio of 2.24 is on the high side and indicates that 1CBK has dependencies on debt financing.
1CBK has a Debt to Equity ratio (2.24) which is in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.24 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC13.19%
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.
1CBK shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 6.65% yearly.
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
Based on estimates for the next years, 1CBK will show a quite strong growth in Earnings Per Share. The EPS will grow by 8.34% on average per year.
The Revenue is expected to grow by 4.87% on average over the next years.
EPS Next Y18.07%
EPS Next 2Y20.75%
EPS Next 3Y20.5%
EPS Next 5Y8.34%
Revenue Next Year10.16%
Revenue Next 2Y9.1%
Revenue Next 3Y7.95%
Revenue Next 5Y4.87%
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
A Price/Earnings ratio of 12.27 indicates a correct valuation of 1CBK.
1CBK's Price/Earnings ratio is a bit more expensive when compared to the industry. 1CBK is more expensive than 64.60% of the companies in the same industry.
1CBK is valuated cheaply when we compare the Price/Earnings ratio to 27.19, which is the current average of the S&P500 Index.
Based on the Price/Forward Earnings ratio of 11.42, the valuation of 1CBK can be described as reasonable.
Compared to the rest of the industry, the Price/Forward Earnings ratio of 1CBK is on the same level as its industry peers.
When comparing the Price/Forward Earnings ratio of 1CBK to the average of the S&P500 Index (23.88), we can say 1CBK is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.27 | ||
| Fwd PE | 11.42 |
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 20.50% in the coming years.
PEG (NY)0.68
PEG (5Y)0.44
EPS Next 2Y20.75%
EPS Next 3Y20.5%
5. Dividend
5.1 Amount
1CBK has a Yearly Dividend Yield of 1.84%. Purely for dividend investing, there may be better candidates out there.
With a Dividend Yield of 1.84, 1CBK pays less dividend than the industry average, which is at 3.98. 87.61% of the companies listed in the same industry pay a better dividend than 1CBK!
1CBK's Dividend Yield is comparable with the S&P500 average which is at 1.94.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.84% |
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 2Y20.75%
EPS Next 3Y20.5%
BIT:1CBK (1/7/2026, 7:00:00 PM)
34.96
+0.82 (+2.4%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners37.21%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap39.42B
Revenue(TTM)13.52B
Net Income(TTM)2.42B
Analysts67.62
Price Target35.29 (0.94%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.84% |
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)4.81%
PT rev (3m)4.59%
EPS NQ rev (1m)-1.36%
EPS NQ rev (3m)-1.36%
EPS NY rev (1m)-2.04%
EPS NY rev (3m)-0.61%
Revenue NQ rev (1m)-0.87%
Revenue NQ rev (3m)-1.33%
Revenue NY rev (1m)-0.42%
Revenue NY rev (3m)-0.34%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.27 | ||
| Fwd PE | 11.42 | ||
| P/S | 2.92 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 1.16 | ||
| P/tB | 1.23 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.85
EY8.15%
EPS(NY)3.06
Fwd EY8.76%
FCF(TTM)-26.5
FCFYN/A
OCF(TTM)-26.5
OCFYN/A
SpS11.96
BVpS30.01
TBVpS28.42
PEG (NY)0.68
PEG (5Y)0.44
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
WACC13.19%
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 Y18.07%
EPS Next 2Y20.75%
EPS Next 3Y20.5%
EPS Next 5Y8.34%
Revenue 1Y (TTM)5.26%
Revenue growth 3Y8.47%
Revenue growth 5Y6.65%
Sales Q2Q%7.42%
Revenue Next Year10.16%
Revenue Next 2Y9.1%
Revenue Next 3Y7.95%
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.
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 18.07% in the next year.