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

BIT:1CBK • DE000CBK1001

30.33 EUR
-1.02 (-3.25%)
Last: Mar 9, 2026, 07:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Forecast Earnings Financials Ownership

This 1CBK.MI fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

Fundamental Rating

3

Overall 1CBK gets a fundamental rating of 3 out of 10. We evaluated 1CBK against 116 industry peers in the Banks industry. Both the profitability and financial health of 1CBK have multiple concerns. 1CBK has a correct valuation and a medium growth rate.


Dividend Valuation Growth Profitability Health

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.
  • 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.
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 0 10B -10B 20B -20B 30B

1.2 Ratios

  • The Return On Assets of 1CBK (0.42%) is worse than 83.62% 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 69.83% 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5 -5 -10

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 75.86% 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10 -10 -20

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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.
  • 1CBK has less shares outstanding than it did 1 year ago.
  • Compared to 5 years ago, 1CBK has less shares outstanding
  • 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 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 100B 200B 300B 400B 500B

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 41.38% 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
WACC13.73%
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 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 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

  • 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.
  • The Revenue has been growing slightly by 5.26% in the past 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

  • Based on estimates for the next years, 1CBK will show a small growth in Earnings Per Share. The EPS will grow by 7.62% on average per year.
  • The Revenue is expected to grow by 4.16% on average over the next years.
EPS Next Y16.59%
EPS Next 2Y20.88%
EPS Next 3Y20.65%
EPS Next 5Y7.62%
Revenue Next Year10.13%
Revenue Next 2Y9.15%
Revenue Next 3Y7.99%
Revenue Next 5Y4.16%

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 5B 10B
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 0 1 2 3 4

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5

4. 1CBK.MI Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 10.64, which indicates a very decent valuation of 1CBK.
  • 1CBK's Price/Earnings ratio is a bit cheaper when compared to the industry. 1CBK is cheaper than 60.34% of the companies in the same industry.
  • The average S&P500 Price/Earnings ratio is at 26.25. 1CBK is valued rather cheaply when compared to this.
  • With a Price/Forward Earnings ratio of 9.88, the valuation of 1CBK can be described as very reasonable.
  • 1CBK's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. 1CBK is cheaper than 68.10% of the companies in the same industry.
  • The average S&P500 Price/Forward Earnings ratio is at 24.39. 1CBK is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 10.64
Fwd PE 9.88
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 20.65% in the coming years.
PEG (NY)0.64
PEG (5Y)0.38
EPS Next 2Y20.88%
EPS Next 3Y20.65%

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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 3.23%.
  • 1CBK's Dividend Yield is slightly below the industry average, which is at 4.56.
  • Compared to an average S&P500 Dividend Yield of 1.82, 1CBK pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.23%

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 2Y20.88%
EPS Next 3Y20.65%
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 0 10B -10B 20B -20B 30B

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

COMMERZBANK AG

BIT:1CBK (3/9/2026, 7:00:00 PM)

30.33

-1.02 (-3.25%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-11
Earnings (Next)05-08
Inst Owners36.33%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap34.20B
Revenue(TTM)13.52B
Net Income(TTM)2.42B
Analysts69.09
Price Target36.02 (18.76%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 3.23%
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)1.13%
PT rev (3m)2.06%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)-1.25%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.02%
Valuation
Industry RankSector Rank
PE 10.64
Fwd PE 9.88
P/S 2.54
P/FCF N/A
P/OCF N/A
P/B 1.01
P/tB 1.07
EV/EBITDA N/A
EPS(TTM)2.85
EY9.4%
EPS(NY)3.07
Fwd EY10.12%
FCF(TTM)-26.5
FCFYN/A
OCF(TTM)-26.5
OCFYN/A
SpS11.96
BVpS30.01
TBVpS28.42
PEG (NY)0.64
PEG (5Y)0.38
Graham Number43.87
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
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 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
WACC13.73%
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 Y16.59%
EPS Next 2Y20.88%
EPS Next 3Y20.65%
EPS Next 5Y7.62%
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 5Y4.16%
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 16.59% in the next year.