(CBK) Commerzbank - Ratings and Ratios
Accounts, Loans, Cards, Securities, Advisory
CBK EPS (Earnings per Share)
CBK Revenue
Description: CBK Commerzbank
Commerzbank AG (XETRA: CBK) is a full-service German bank that serves private individuals, small-business owners, corporates, financial-service providers, and institutional clients across Germany, the broader European region, the Americas, and Asia. Its operations are organized into two primary segments: Private & Small-Business Customers and Corporate Clients.
The bank’s product suite spans retail banking (savings, fixed-deposit, checking, and joint accounts), credit and debit cards, pension solutions, payment services, overdrafts, and a full range of loan products-including instalment, real-estate, and corporate financing. It also provides advisory services for mergers & acquisitions, trade finance, foreign-exchange, and securities trading (shares, funds, ETFs, bonds), together with wealth-planning, asset-management, estate- and foundation-management, risk analytics, and succession planning.
Key recent metrics (Q2 2024) show a net profit of €1.3 billion, a Common Equity Tier 1 (CET1) ratio of 14.5 % and a return on equity (ROE) of 7.2 %, reflecting a modest recovery after a prolonged low-interest-rate environment. The bank’s earnings are increasingly tied to the European Central Bank’s policy trajectory, German GDP growth (≈0.3 % YoY in 2023), and the pace of digital-banking adoption, which together drive loan-demand and fee-income potential.
For a deeper, data-driven assessment of Commerzbank’s valuation and risk profile, you may find the analytics on ValueRay worth a look.
CBK Stock Overview
| Market Cap in USD | 41,666m |
| Sub-Industry | Regional Banks |
| IPO / Inception |
CBK Stock Ratings
| Growth Rating | 98.3% |
| Fundamental | 46.4% |
| Dividend Rating | 67.0% |
| Return 12m vs S&P 500 | 66.1% |
| Analyst Rating | - |
CBK Dividends
| Dividend Yield 12m | 2.11% |
| Yield on Cost 5y | 15.85% |
| Annual Growth 5y | 15.02% |
| Payout Consistency | 45.1% |
| Payout Ratio | 28.5% |
CBK Growth Ratios
| Growth Correlation 3m | -16.6% |
| Growth Correlation 12m | 96% |
| Growth Correlation 5y | 97.7% |
| CAGR 5y | 59.57% |
| CAGR/Max DD 3y (Calmar Ratio) | 2.32 |
| CAGR/Mean DD 3y (Pain Ratio) | 8.02 |
| Sharpe Ratio 12m | 2.49 |
| Alpha | 74.85 |
| Beta | 0.838 |
| Volatility | 31.12% |
| Current Volume | 2592.1k |
| Average Volume 20d | 2764.3k |
| Stop Loss | 29.6 (-3.8%) |
| Signal | 0.15 |
Piotroski VR‑10 (Strict, 0-10) 5.0
| Net Income (2.69b TTM) > 0 and > 6% of Revenue (6% = 1.48b TTM) |
| FCFTA -0.04 (>2.0%) and ΔFCFTA -7.13pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue -1508 % (prev 841.6%; Δ -2350 pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA -0.03 (>3.0%) and CFO -20.32b <= Net Income 2.69b (YES >=105%, WARN >=100%) |
| Net Debt (3.36b) to EBITDA (3.74b) ratio: 0.90 <= 3.0 (WARN <= 3.5) |
| Current Ratio 0.16 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (1.13b) change vs 12m ago -5.00% (target <= -2.0% for YES) |
| Gross Margin 51.69% (prev 30.14%; Δ 21.55pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 4.33% (prev 2.47%; Δ 1.86pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 0.32 (EBITDA TTM 3.74b / Interest Expense TTM 11.93b) >= 6 (WARN >= 3) |
Altman Z'' -3.98
| (A) -0.64 = (Total Current Assets 72.75b - Total Current Liabilities 445.26b) / Total Assets 581.82b |
| (B) 0.03 = Retained Earnings (Balance) 18.94b / Total Assets 581.82b |
| (C) 0.01 = EBIT TTM 3.77b / Avg Total Assets 570.95b |
| (D) 0.06 = Book Value of Equity 33.83b / Total Liabilities 546.59b |
| Total Rating: -3.98 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 46.40
| 1. Piotroski 5.0pt = 0.0 |
| 2. FCF Yield -54.91% = -5.0 |
| 3. FCF Margin -86.88% = -7.50 |
| 4. Debt/Equity 2.24 = 0.40 |
| 5. Debt/Ebitda 0.90 = 1.90 |
| 6. ROIC - WACC (= -1.88)% = -2.35 |
| 7. RoE 7.85% = 0.65 |
| 8. Rev. Trend 75.90% = 5.69 |
| 9. EPS Trend 51.79% = 2.59 |
What is the price of CBK shares?
Over the past week, the price has changed by -2.90%, over one month by -3.12%, over three months by +8.69% and over the past year by +90.69%.
Is Commerzbank a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of CBK is around 47.61 EUR . This means that CBK is currently undervalued and has a potential upside of +54.78% (Margin of Safety).
Is CBK a buy, sell or hold?
What are the forecasts/targets for the CBK price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 32.2 | 4.5% |
| Analysts Target Price | - | - |
| ValueRay Target Price | 51.4 | 67% |
CBK Fundamental Data Overview
Market Cap EUR = 35.72b (35.72b EUR * 1.0 EUR.EUR)
P/E Trailing = 15.1579
P/E Forward = 11.8483
P/S = 3.222
P/B = 1.2267
P/EG = 1.3157
Beta = 0.838
Revenue TTM = 24.70b EUR
EBIT TTM = 3.77b EUR
EBITDA TTM = 3.74b EUR
Long Term Debt = 53.33b EUR (from longTermDebt, last fiscal year)
Short Term Debt = unknown (none)
Debt = 75.83b EUR (from shortLongTermDebtTotal, last quarter)
Net Debt = 3.36b EUR (from netDebt column, last quarter)
Enterprise Value = 39.08b EUR (35.72b + Debt 75.83b - CCE 72.46b)
Interest Coverage Ratio = 0.32 (Ebit TTM 3.77b / Interest Expense TTM 11.93b)
FCF Yield = -54.91% (FCF TTM -21.46b / Enterprise Value 39.08b)
FCF Margin = -86.88% (FCF TTM -21.46b / Revenue TTM 24.70b)
Net Margin = 10.88% (Net Income TTM 2.69b / Revenue TTM 24.70b)
Gross Margin = 51.69% ((Revenue TTM 24.70b - Cost of Revenue TTM 11.93b) / Revenue TTM)
Gross Margin QoQ = 55.18% (prev 52.15%)
Tobins Q-Ratio = 0.07 (Enterprise Value 39.08b / Total Assets 581.82b)
Interest Expense / Debt = 3.71% (Interest Expense 2.81b / Debt 75.83b)
Taxrate = 22.22% (150.0m / 675.0m)
NOPAT = 2.94b (EBIT 3.77b * (1 - 22.22%))
Current Ratio = 0.16 (Total Current Assets 72.75b / Total Current Liabilities 445.26b)
Debt / Equity = 2.24 (Debt 75.83b / totalStockholderEquity, last quarter 33.83b)
Debt / EBITDA = 0.90 (Net Debt 3.36b / EBITDA 3.74b)
Debt / FCF = -0.16 (negative FCF - burning cash) (Net Debt 3.36b / FCF TTM -21.46b)
Total Stockholder Equity = 34.22b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.46% (Net Income 2.69b / Total Assets 581.82b)
RoE = 7.85% (Net Income TTM 2.69b / Total Stockholder Equity 34.22b)
RoCE = 4.31% (EBIT 3.77b / Capital Employed (Equity 34.22b + L.T.Debt 53.33b))
RoIC = 3.00% (NOPAT 2.94b / Invested Capital 97.98b)
WACC = 4.87% (E(35.72b)/V(111.54b) * Re(9.10%) + D(75.83b)/V(111.54b) * Rd(3.71%) * (1-Tc(0.22)))
Discount Rate = 9.10% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -4.65%
Fair Price DCF = unknown (Cash Flow -21.46b)
EPS Correlation: 51.79 | EPS CAGR: 32.93% | SUE: -1.66 | # QB: 0
Revenue Correlation: 75.90 | Revenue CAGR: 48.35% | SUE: 0.84 | # QB: 0