(CBK) Commerzbank - Ratings and Ratios
Loans, CreditCards, Insurance, Investment, BankingServices
CBK EPS (Earnings per Share)
CBK Revenue
Description: CBK Commerzbank
Commerzbank AG is a major German bank that offers a wide range of banking and capital market products and services to various customer segments, including private and small business customers, corporate clients, and institutional clients, both domestically and internationally. The bank operates through two main segments: Private and Small-Business Customers, and Corporate Clients.
The companys product portfolio includes various deposit and loan products, payment solutions, credit and debit cards, insurance products, and investment services, such as wealth planning, asset management, and estate management. Commerzbank AG also provides corporate financing, financing advisory, merger and acquisition services, and trade financing, as well as online banking services and securities trading.
From a financial perspective, Commerzbank AG has a market capitalization of approximately 31.67 billion EUR, with a price-to-earnings ratio of 12.83 and a forward P/E of 14.51, indicating a relatively stable valuation. The banks return on equity (RoE) stands at 8.36%, suggesting a decent level of profitability. Additionally, key performance indicators such as the banks capital adequacy ratio, non-performing loan ratio, and cost-income ratio would be important metrics to assess its financial health and operational efficiency.
Some key metrics to further evaluate Commerzbank AGs performance include its net interest margin (NIM), which indicates its ability to generate income from interest-bearing assets, and its loan-to-deposit ratio, which reflects its liquidity and funding profile. Furthermore, the banks CET1 ratio and leverage ratio would provide insights into its capital position and ability to absorb potential losses.
CBK Stock Overview
| Market Cap in USD | 45,256m |
| Sector | Financial Services |
| Industry | Banks - Regional |
| GiC Sub-Industry | Regional Banks |
| IPO / Inception |
CBK Stock Ratings
| Growth Rating | 93.7 |
| Fundamental | 43.0% |
| Dividend Rating | 67.3 |
| Rel. Strength | 137 |
| Analysts | - |
| Fair Price Momentum | 49.91 EUR |
| Fair Price DCF | - |
CBK Dividends
| Dividend Yield 12m | 2.39% |
| Yield on Cost 5y | 14.57% |
| Annual Growth 5y | 11.84% |
| Payout Consistency | 45.3% |
| Payout Ratio | 33.7% |
CBK Growth Ratios
| Growth Correlation 3m | 90.5% |
| Growth Correlation 12m | 94.6% |
| Growth Correlation 5y | 97.6% |
| CAGR 5y | 50.74% |
| CAGR/Max DD 5y | 1.31 |
| Sharpe Ratio 12m | 2.58 |
| Alpha | 182.69 |
| Beta | 0.697 |
| Volatility | 47.28% |
| Current Volume | 5756.2k |
| Average Volume 20d | 3646.5k |
| Stop Loss | 34.3 (-4.2%) |
Piotroski VR‑10 (Strict, 0-10) 3.0
| Net Income (2.69b TTM) > 0 and > 6% of Revenue (6% = 1.31b TTM) |
| FCFTA -0.04 (>2.0%) and ΔFCFTA -7.13pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue 408.1% (prev 650.1%; Δ -242.0pp) (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 (1.87b) to EBITDA (886.0m) ratio: 2.11 <= 3.0 (WARN <= 3.5) |
| Current Ratio 150.9 (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 58.33% (prev 63.94%; Δ -5.61pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 3.83% (prev 3.19%; Δ 0.64pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 0.07 (EBITDA TTM 886.0m / Interest Expense TTM 11.93b) >= 6 (WARN >= 3) |
Altman Z'' 1.16
| (A) 0.15 = (Total Current Assets 89.93b - Total Current Liabilities 596.0m) / Total Assets 581.82b |
| (B) 0.03 = Retained Earnings (Balance) 18.94b / Total Assets 581.82b |
| (C) 0.00 = EBIT TTM 888.0m / Avg Total Assets 570.95b |
| (D) 0.03 = Book Value of Equity 18.94b / Total Liabilities 546.59b |
| Total Rating: 1.16 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 43.04
| 1. Piotroski 3.0pt = -2.0 |
| 2. FCF Yield data missing |
| 3. FCF Margin -98.04% = -7.50 |
| 4. Debt/Equity 1.59 = 1.35 |
| 5. Debt/Ebitda 60.86 = -2.50 |
| 6. ROIC - WACC -5.17% = -6.46 |
| 7. RoE 7.85% = 0.65 |
| 8. Rev. Trend 67.08% = 3.35 |
| 9. Rev. CAGR 17.74% = 2.22 |
| 10. EPS Trend 57.05% = 1.43 |
| 11. EPS CAGR 135.4% = 2.50 |
As of August 13, 2025, the stock is trading at EUR 35.81 with a total of 5,756,242 shares traded.
Over the past week, the price has changed by +7.22%, over one month by +26.54%, over three months by +42.35% and over the past year by +195.82%.
No, based on ValueRay´s Fundamental Analyses, Commerzbank (XETRA:CBK) is currently (August 2025) a stock to sell. It has a ValueRay Fundamental Rating of 43.04 and therefor a negative outlook according to the companies health.
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of CBK is around 49.91 EUR . This means that CBK is currently undervalued and has a potential upside of +39.37% (Margin of Safety).
Commerzbank has no consensus analysts rating.
According to our own proprietary Forecast Model, CBK Commerzbank will be worth about 54.3 in August 2026. The stock is currently trading at 35.81. This means that the stock has a potential upside of +51.55%.
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 29.4 | -17.8% |
| Analysts Target Price | - | - |
| ValueRay Target Price | 54.3 | 51.5% |
CBK Fundamental Data Overview
Market Cap EUR = 38.88b (38.88b EUR * 1.0 EUR.EUR)
CCE Cash And Equivalents = 72.46b EUR (Cash only, last quarter)
P/E Trailing = 16.4976
P/E Forward = 17.2414
P/S = 3.5068
P/B = 1.149
P/EG = 1.9156
Beta = 0.912
Revenue TTM = 21.89b EUR
EBIT TTM = 888.0m EUR
EBITDA TTM = 886.0m EUR
Long Term Debt = 53.33b EUR (from longTermDebt, last fiscal year)
Short Term Debt = 596.0m EUR (from totalCurrentLiabilities, last fiscal year)
Debt = 53.92b EUR (Calculated: Short Term 596.0m + Long Term 53.33b)
Net Debt = 1.87b EUR (from netDebt column, last quarter)
Enterprise Value = 20.34b EUR (38.88b + Debt 53.92b - CCE 72.46b)
Interest Coverage Ratio = 0.07 (Ebit TTM 888.0m / Interest Expense TTM 11.93b)
[93m FCF Yield = -105.5% (FCF TTM -21.46b / Enterprise Value 20.34b)
[39m FCF Margin = -98.04% (FCF TTM -21.46b / Revenue TTM 21.89b)
Net Margin = 12.28% (Net Income TTM 2.69b / Revenue TTM 21.89b)
Gross Margin = 58.33% ((Revenue TTM 21.89b - Cost of Revenue TTM 9.12b) / Revenue TTM)
Tobins Q-Ratio = 1.07 (Enterprise Value 20.34b / Book Value Of Equity 18.94b)
Interest Expense / Debt = 5.21% (Interest Expense 2.81b / Debt 53.92b)
Taxrate = 25.80% (from yearly Income Tax Expense: 989.0m / 3.83b)
NOPAT = 658.9m (EBIT 888.0m * (1 - 25.80%))
[93m Current Ratio = 150.9 (Total Current Assets 89.93b / Total Current Liabilities 596.0m)
[39m Debt / Equity = 1.59 (Debt 53.92b / last Quarter total Stockholder Equity 33.83b)
Debt / EBITDA = 60.86 (Net Debt 1.87b / EBITDA 886.0m)
Debt / FCF = -2.51 (Debt 53.92b / FCF TTM -21.46b)
Total Stockholder Equity = 34.22b (last 4 quarters mean)
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 = 1.01% (Ebit 888.0m / (Equity 34.22b + L.T.Debt 53.33b))
RoIC = 0.67% (NOPAT 658.9m / Invested Capital 97.98b)
WACC = 5.84% (E(38.88b)/V(92.80b) * Re(8.58%)) + (D(53.92b)/V(92.80b) * Rd(5.21%) * (1-Tc(0.26)))
Shares Correlation 5-Years: -97.50 | Cagr: -2.08%
Discount Rate = 8.58% (= CAPM, Blume Beta Adj.)
[93m Fair Price DCF = unknown (Cash Flow -21.46b)
[39m Revenue Correlation: 67.08 | Revenue CAGR: 17.74%
Revenue Growth Correlation: -13.60%
EPS Correlation: 57.05 | EPS CAGR: 135.4%
EPS Growth Correlation: -56.70%