COMMERZBANK AG(FRA:CBK) stock Fundamental Analysis

Fundamental Rating

Overall CBK gets a fundamental rating of 3 out of 10. We evaluated CBK against 95 industry peers in the Banks industry. CBK has a bad profitability rating. Also its financial health evaluation is rather negative. While showing a medium growth rate, CBK is valued expensive at the moment.

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1. Profitability

1.1 Basic Checks

In the past year CBK was profitable.

In the past year CBK has reported a negative cash flow from operations.

CBK had positive earnings in 4 of the past 5 years.

In multiple years CBK reported negative operating cash flow during the last 5 years.

1.2 Ratios

CBK has a worse Return On Assets (0.44%) than 66.32% of its industry peers.

CBK has a worse Return On Equity (7.15%) than 62.11% of its industry peers.

		Industry Rank	Sector Rank
ROA	0.44%
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

CBK's Profit Margin of 19.01% is in line compared to the rest of the industry. CBK outperforms 43.16% of its industry peers.

In the last couple of years the Profit Margin of CBK has grown nicely.

The Operating Margin and Gross Margin are not available for CBK so they could not be analyzed.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	19.01%
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

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

CBK does not have a ROIC to compare to the WACC, probably because it is not profitable.

Compared to 1 year ago, CBK has less shares outstanding

CBK has less shares outstanding than it did 5 years ago.

The debt/assets ratio for CBK is higher compared to a year ago.

2.2 Solvency

CBK has a Debt/Equity ratio of 1.59. This is a high value indicating a heavy dependency on external financing.

The Debt to Equity ratio of CBK (1.59) is better than 63.16% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	1.59
Debt/FCF	N/A
Altman-Z	N/A

ROIC/WACCN/A

WACC13.93%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

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Altman-Z score

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3. Growth

3.1 Past

The Earnings Per Share has grown by an nice 17.19% over the past year.

Measured over the past years, CBK 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 3.12% in the past year.

The Revenue has been growing slightly by 6.65% on average over the past years.

EPS 1Y (TTM)17.19%

EPS 3Y103.28%

EPS 5Y28.05%

EPS Q2Q%103.13%

Revenue 1Y (TTM)3.12%

Revenue growth 3Y8.47%

Revenue growth 5Y6.65%

Sales Q2Q%22.71%

3.2 Future

Based on estimates for the next years, CBK will show a quite strong growth in Earnings Per Share. The EPS will grow by 13.35% on average per year.

CBK is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.58% yearly.

EPS Next Y6.3%

EPS Next 2Y17.71%

EPS Next 3Y18.63%

EPS Next 5Y13.35%

Revenue Next Year6.06%

Revenue Next 2Y6.44%

Revenue Next 3Y6.31%

Revenue Next 5Y4.58%

3.3 Evolution

The estimated forward EPS growth is still strong, although it is decreasing when compared to the stronger growth in the past years.

The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 10.93, which indicates a very decent valuation of CBK.

Based on the Price/Earnings ratio, CBK is valued a bit more expensive than the industry average as 76.84% of the companies are valued more cheaply.

CBK's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.79.

Based on the Price/Forward Earnings ratio of 10.28, the valuation of CBK can be described as reasonable.

Based on the Price/Forward Earnings ratio, CBK is valued a bit more expensive than 66.32% of the companies in the same industry.

When comparing the Price/Forward Earnings ratio of CBK to the average of the S&P500 Index (21.38), we can say CBK is valued rather cheaply.

		Industry Rank	Sector Rank
PE	10.93
Fwd PE	10.28

4.2 Price Multiples

		Industry Rank	Sector Rank
P/FCF	N/A
EV/EBITDA	N/A

4.3 Compensation for Growth

The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.

A more expensive valuation may be justified as CBK's earnings are expected to grow with 18.63% in the coming years.

PEG (NY)1.73

PEG (5Y)0.39

EPS Next 2Y17.71%

EPS Next 3Y18.63%

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5. Dividend

5.1 Amount

CBK has a Yearly Dividend Yield of 2.85%.

With a Dividend Yield of 2.85, CBK pays less dividend than the industry average, which is at 5.47. 87.37% of the companies listed in the same industry pay a better dividend than CBK!

Compared to an average S&P500 Dividend Yield of 2.51, CBK has a dividend comparable with the average S&P500 company.

		Industry Rank	Sector Rank
Dividend Yield	2.85%

5.2 History

On average, the dividend of CBK grows each year by 11.38%, which is quite nice.

Dividend Growth(5Y)11.38%

Div Incr Years0

Div Non Decr Years1

5.3 Sustainability

16.84% of the earnings are spent on dividend by CBK. This is a low number and sustainable payout ratio.

The dividend of CBK is growing around the same rate as the earnings are growing. If this keeps up the dividend growth is sustainable.

DP16.84%

EPS Next 2Y17.71%

EPS Next 3Y18.63%

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COMMERZBANK AG

FRA:CBK (4/25/2025, 7:00:00 PM)

22.95

-0.4 (-1.71%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)02-13 2025-02-13/bmo

Earnings (Next)05-09 2025-05-09

Inst Owners44.67%

Inst Owner ChangeN/A

Ins OwnersN/A

Ins Owner ChangeN/A

Market Cap27.19B

Analysts77.5

Price Target23.98 (4.49%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	2.85%

Yearly Dividend0.34

Dividend Growth(5Y)11.38%

DP16.84%

Div Incr Years0

Div Non Decr Years1

Ex-DateN/A

Surprises & Revisions

EPS beat(2)2

Avg EPS beat(2)57.62%

Min EPS beat(2)32.01%

Max EPS beat(2)83.22%

EPS beat(4)3

Avg EPS beat(4)22.65%

Min EPS beat(4)-35.08%

Max EPS beat(4)83.22%

EPS beat(8)6

Avg EPS beat(8)19.12%

EPS beat(12)8

Avg EPS beat(12)16.16%

EPS beat(16)11

Avg EPS beat(16)55.67%

Revenue beat(2)2

Avg Revenue beat(2)1.84%

Min Revenue beat(2)1.03%

Max Revenue beat(2)2.64%

Revenue beat(4)3

Avg Revenue beat(4)0.95%

Min Revenue beat(4)-1.15%

Max Revenue beat(4)2.64%

Revenue beat(8)6

Avg Revenue beat(8)23.86%

Revenue beat(12)10

Avg Revenue beat(12)25.44%

Revenue beat(16)14

Avg Revenue beat(16)22.89%

PT rev (1m)12.37%

PT rev (3m)25.63%

EPS NQ rev (1m)0.75%

EPS NQ rev (3m)16.38%

EPS NY rev (1m)-2.56%

EPS NY rev (3m)-2.96%

Revenue NQ rev (1m)0.86%

Revenue NQ rev (3m)3.86%

Revenue NY rev (1m)0%

Revenue NY rev (3m)1.57%

Valuation

		Industry Rank	Sector Rank
PE	10.93
Fwd PE	10.28
P/S	2.1
P/FCF	N/A
P/OCF	N/A
P/B	0.79
P/tB	0.83
EV/EBITDA	N/A

EPS(TTM)2.1

EY9.15%

EPS(NY)2.23

Fwd EY9.73%

FCF(TTM)-18.12

FCFYN/A

OCF(TTM)-17.15

OCFYN/A

SpS10.94

BVpS29.09

TBVpS27.59

PEG (NY)1.73

PEG (5Y)0.39

Profitability

		Industry Rank	Sector Rank
ROA	0.44%
ROE	7.15%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	19.01%
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 Rank	Sector Rank
Debt/Equity	1.59
Debt/FCF	N/A
Debt/EBITDA	N/A
Cap/Depr	52.16%
Cap/Sales	8.84%
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

WACC13.93%

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)17.19%

EPS 3Y103.28%

EPS 5Y28.05%

EPS Q2Q%103.13%

EPS Next Y6.3%

EPS Next 2Y17.71%

EPS Next 3Y18.63%

EPS Next 5Y13.35%

Revenue 1Y (TTM)3.12%

Revenue growth 3Y8.47%

Revenue growth 5Y6.65%

Sales Q2Q%22.71%

Revenue Next Year6.06%

Revenue Next 2Y6.44%

Revenue Next 3Y6.31%

Revenue Next 5Y4.58%

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-211.29%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y-200.16%

OCF growth 3YN/A

OCF growth 5YN/A

COMMERZBANK AG (CBK.DE) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

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2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

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4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

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5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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