(CBK) Commerzbank - Overview

Exchange: XETRA • Country: Germany • Currency: EUR • Type: Common Stock • ISIN: DE000CBK1001

Stock: Loans, Accounts, Cards, Investments, Advisory

Total Rating 52

Risk 66

Buy Signal -0.22

Banks - Regional -11.8
Regional Banks -8.6

Market Cap: 46,077m
Avg Trading Vol: 119M EUR

ATR: 4.07%
Peers RS (IBD): 55.6

Risk 5d forecast
Volatility	48.1%
Relative Tail Risk	-3.45%

Reward TTM
Sharpe Ratio	0.99
Alpha	31.46

Character TTM
Beta	0.564
Beta Downside	0.181

Drawdowns 3y
Max DD	21.89%
CAGR/Max DD	2.36

EPS (Earnings per Share)

EPS CAGR: 56.64%
EPS Trend: 73.5%

Last SUE: 3.42
Qual. Beats: 1

Revenue

Rev. CAGR: -2.59%
Rev. Trend: 45.1%

Last SUE: -0.23
Qual. Beats: 0

Description: CBK Commerzbank March 04, 2026

Commerzbank AG (CBK) is a German bank offering a broad range of banking and capital market services globally. Its operations are divided into Private and Small-Business Customers and Corporate Clients segments.

The bank provides typical retail banking products such as various accounts, cards, loans, and insurance. For corporate clients, it offers financing, advisory services, trade finance, and capital market products. This dual focus on retail and corporate banking is common among universal banks.

Commerzbank AG also engages in wealth management, including asset management and estate planning. The financial services sector is highly regulated and competitive, with banks often differentiating through specialized services or digital offerings.

For more detailed financial analysis, consider exploring ValueRay.

Piotroski VR‑10 (Strict, 0-10) 4.5

Net Income: 2.62b TTM > 0 and > 6% of Revenue
FCF/TA: -0.04 > 0.02 and ΔFCF/TA -7.10 > 1.0
NWC/Revenue: 255.1% < 20% (prev -1342 %; Δ 1597 % < -1%)
CFO/TA -0.03 > 3% & CFO -18.14b > Net Income 2.62b
Net Debt (3.96b) to EBITDA (3.97b): 1.00 < 3
Current Ratio: 4.07 > 1.5 & < 3
Outstanding Shares: last quarter (1.13b) vs 12m ago -2.27% < -2%
Gross Margin: 57.96% > 18% (prev 0.49%; Δ 5747 % > 0.5%)
Asset Turnover: 3.57% > 50% (prev 4.55%; Δ -0.98% > 0%)
Interest Coverage Ratio: 0.22 > 6 (EBITDA TTM 3.97b / Interest Expense TTM 8.40b)

Altman Z'' 0.71

A: 0.09 (Total Current Assets 69.27b - Total Current Liabilities 17.03b) / Total Assets 592.95b
B: 0.03 (Retained Earnings 19.39b / Total Assets 592.95b)
C: 0.00 (EBIT TTM 1.89b / Avg Total Assets 573.80b)
D: 0.0 (Book Value of Equity 0.0 / Total Liabilities 561.14b)
Altman-Z'' Score: 0.71 = B

Beneish M

DSRI: none (Receivables none/212.0m, Revenue 20.48b/25.25b)
GMI: 0.84 (GM 57.96% / 48.97%)
AQI: none (AQ_t none / AQ_t-1 none)
SGI: 0.81 (Revenue 20.48b / 25.25b)
TATA: 0.04 (NI 2.62b - CFO -18.14b) / TA 592.95b)
Beneish M-Score: cannot calculate (missing components)

What is the price of CBK shares?

As of March 05, 2026, the stock is trading at EUR 32.10 with a total of 3,705,233 shares traded.
Over the past week, the price has changed by -10.58%, over one month by -8.57%, over three months by -5.87% and over the past year by +59.57%.

Is CBK a buy, sell or hold?

Commerzbank has no consensus analysts rating.

What are the forecasts/targets for the CBK price?

Issuer	Target	Up/Down from current
Wallstreet Target Price	37	15.2%
Analysts Target Price	-	-

CBK Fundamental Data Overview March 01, 2026

Market Cap USD = 46.08b (39.07b EUR * 1.1794 EUR.USD)
P/E Trailing = 14.8712
P/E Forward = 12.3916
P/S = 3.412
P/B = 1.1822
P/EG = 1.0408
Revenue TTM = 20.48b EUR
EBIT TTM = 1.89b EUR
EBITDA TTM = 3.97b EUR
Long Term Debt = unknown (none)
Short Term Debt = unknown (none)
Debt = 3.96b EUR (from shortLongTermDebtTotal, two quarters ago)
Net Debt = 3.96b EUR (using Total Debt 3.96b, CCE unavailable)
Enterprise Value = 43.02b EUR (39.07b + Debt 3.96b - (null CCE))
Interest Coverage Ratio = 0.22 (Ebit TTM 1.89b / Interest Expense TTM 8.40b)
EV/FCF = -2.00x (Enterprise Value 43.02b / FCF TTM -21.46b)
FCF Yield = -49.88% (FCF TTM -21.46b / Enterprise Value 43.02b)
FCF Margin = -104.8% (FCF TTM -21.46b / Revenue TTM 20.48b)
Net Margin = 12.82% (Net Income TTM 2.62b / Revenue TTM 20.48b)
Gross Margin = 57.96% ((Revenue TTM 20.48b - Cost of Revenue TTM 8.61b) / Revenue TTM)
Gross Margin QoQ = 93.24% (prev 47.26%)
Tobins Q-Ratio = 0.07 (Enterprise Value 43.02b / Total Assets 592.95b)
Interest Expense / Debt = 70.38% (Interest Expense 2.79b / Debt 3.96b)
Taxrate = 24.46% (259.0m / 1.06b)
NOPAT = 1.43b (EBIT 1.89b * (1 - 24.46%))
Current Ratio = 4.07 (Total Current Assets 69.27b / Total Current Liabilities 17.03b)
Debt / Equity = 0.13 (Debt 3.96b / totalStockholderEquity, two quarters ago 30.36b)
Debt / EBITDA = 1.00 (Net Debt 3.96b / EBITDA 3.97b)
Debt / FCF = -0.18 (negative FCF - burning cash) (Net Debt 3.96b / FCF TTM -21.46b)
Total Stockholder Equity = 33.41b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.46% (Net Income 2.62b / Total Assets 592.95b)
RoE = 7.86% (Net Income TTM 2.62b / Total Stockholder Equity 33.41b)
RoCE = 0.33% (EBIT 1.89b / Capital Employed (Total Assets 592.95b - Current Liab 17.03b))
RoIC = 1.32% (NOPAT 1.43b / Invested Capital 108.16b)
WACC = 7.26% (E(39.07b)/V(43.02b) * Re(7.99%) + (debt cost/tax rate unavailable))
Discount Rate = 7.99% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -4.66%
[DCF] Fair Price = unknown (Cash Flow -21.46b)
EPS Correlation: 73.47 | EPS CAGR: 56.64% | SUE: 3.42 | # QB: 1
Revenue Correlation: 45.08 | Revenue CAGR: -2.59% | SUE: -0.23 | # QB: 0
EPS next Quarter (2026-06-30): EPS=0.75 | Chg7d=+0.010 | Chg30d=+0.750 | Revisions Net=+0 | Analysts=1
EPS current Year (2026-12-31): EPS=3.03 | Chg7d=-0.015 | Chg30d=+0.020 | Revisions Net=+2 | Growth EPS=+9.5% | Growth Revenue=+8.6%
EPS next Year (2027-12-31): EPS=3.65 | Chg7d=+0.006 | Chg30d=+0.053 | Revisions Net=+3 | Growth EPS=+20.5% | Growth Revenue=+6.3%
[Analyst] Revisions Ratio: +0.17 (7 Up / 5 Down within 30d for Current Year)
[Growth] Implied Growth Rate = 1.3% (Discount Rate 8.0% - Earnings Yield 6.7%)
[Growth] Growth Spread = -1.3% (Analyst 0.0% - Implied 1.3%)

Additional Sources for CBK Stock

Fund Manager Positions: Dataroma | Stockcircle