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COMMERZBANK AG (1CBK.MI) Stock Fundamental Analysis

Europe - BIT:1CBK - DE000CBK1001 - Common Stock

32.95 EUR
+0.6 (+1.85%)
Last: 9/12/2025, 7:00:00 PM
Fundamental Rating

3

Taking everything into account, 1CBK scores 3 out of 10 in our fundamental rating. 1CBK was compared to 90 industry peers in the Banks industry. Both the profitability and financial health of 1CBK have multiple concerns. 1CBK has a decent growth rate and is not valued too expensively.


Dividend Valuation Growth Profitability Health

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2

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.
In multiple years 1CBK reported negative operating cash flow during the last 5 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10B -10B 20B -20B 30B

1.2 Ratios

1CBK has a worse Return On Assets (0.42%) than 75.00% 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 64.58% of its industry peers.
Industry RankSector 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
1CBK.MI Yearly ROA, ROE, ROIC1CBK.MI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5 -5 -10

1.3 Margins

1CBK has a worse Profit Margin (17.93%) than 63.54% of its industry peers.
In the last couple of years the Profit Margin of 1CBK has grown nicely.
1CBK does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector 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
1CBK.MI Yearly Profit, Operating, Gross Margins1CBK.MI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10 -10 -20

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1

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
1CBK has less shares outstanding than it did 5 years ago.
Compared to 1 year ago, 1CBK has a worse debt to assets ratio.
1CBK.MI Yearly Shares Outstanding1CBK.MI Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100B 200B 300B 400B 500B

2.2 Solvency

A Debt/Equity ratio of 2.24 is on the high side and indicates that 1CBK has dependencies on debt financing.
With a Debt to Equity ratio value of 2.24, 1CBK perfoms like the industry average, outperforming 48.96% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 2.24
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC13.3%
1CBK.MI Yearly LT Debt VS Equity VS FCF1CBK.MI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20B -20B 40B

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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M 1B

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5

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.
The Earnings Per Share has been growing by 28.05% on average over the past years. This is a very strong growth
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 8.17% on average per year.
The Revenue is expected to grow by 4.41% on average over the next years.
EPS Next Y18.79%
EPS Next 2Y20.49%
EPS Next 3Y20.35%
EPS Next 5Y8.17%
Revenue Next Year10.53%
Revenue Next 2Y8.63%
Revenue Next 3Y7.6%
Revenue Next 5Y4.41%

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 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 5B 10B
1CBK.MI Yearly EPS VS Estimates1CBK.MI Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 0 1 2 3

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5

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 11.52 indicates a reasonable valuation of 1CBK.
1CBK's Price/Earnings ratio is a bit more expensive when compared to the industry. 1CBK is more expensive than 70.83% of the companies in the same industry.
When comparing the Price/Earnings ratio of 1CBK to the average of the S&P500 Index (27.30), we can say 1CBK is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 10.81, 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 22.73, 1CBK is valued rather cheaply.
Industry RankSector Rank
PE 11.52
Fwd PE 10.81
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 -10 20 -20 30

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 20.35% in the coming years.
PEG (NY)0.61
PEG (5Y)0.41
EPS Next 2Y20.49%
EPS Next 3Y20.35%

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3

5. Dividend

5.1 Amount

1CBK has a Yearly Dividend Yield of 1.99%.
Compared to an average industry Dividend Yield of 5.03, 1CBK's dividend is way lower than its industry peers. On top of this 96.88% of the companies listed in the same industry pay a better dividend than 1CBK!
Compared to an average S&P500 Dividend Yield of 2.41, 1CBK has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 1.99%

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

1CBK's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DPN/A
EPS Next 2Y20.49%
EPS Next 3Y20.35%
1CBK.MI Yearly Income VS Free CF VS Dividend1CBK.MI Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10B -10B 20B -20B 30B

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COMMERZBANK AG

BIT:1CBK (9/12/2025, 7:00:00 PM)

32.95

+0.6 (+1.85%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)08-06 2025-08-06/bmo
Earnings (Next)11-06 2025-11-06
Inst Owners41.92%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap37.15B
Analysts67.62
Price Target33.74 (2.4%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 1.99%
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)16.39%
PT rev (3m)23.58%
EPS NQ rev (1m)-0.42%
EPS NQ rev (3m)5.36%
EPS NY rev (1m)11.75%
EPS NY rev (3m)11.75%
Revenue NQ rev (1m)0.8%
Revenue NQ rev (3m)3.57%
Revenue NY rev (1m)0.77%
Revenue NY rev (3m)2.32%
Valuation
Industry RankSector Rank
PE 11.52
Fwd PE 10.81
P/S 2.75
P/FCF N/A
P/OCF N/A
P/B 1.1
P/tB 1.16
EV/EBITDA N/A
EPS(TTM)2.86
EY8.68%
EPS(NY)3.05
Fwd EY9.25%
FCF(TTM)-26.5
FCFYN/A
OCF(TTM)-26.5
OCFYN/A
SpS11.96
BVpS30.01
TBVpS28.42
PEG (NY)0.61
PEG (5Y)0.41
Profitability
Industry RankSector 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
ROICexcg growth 3YN/A
ROICexcg 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 RankSector 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
WACC13.3%
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 Y18.79%
EPS Next 2Y20.49%
EPS Next 3Y20.35%
EPS Next 5Y8.17%
Revenue 1Y (TTM)5.07%
Revenue growth 3Y8.47%
Revenue growth 5Y6.65%
Sales Q2Q%13.16%
Revenue Next Year10.53%
Revenue Next 2Y8.63%
Revenue Next 3Y7.6%
Revenue Next 5Y4.41%
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