(CBK) Commerzbank - Overview

Sector: Financial Services | Industry: Banks - Regional | Exchange: XETRA (Germany) | Market Cap: 33.762m EUR | Total Return: 49.7% in 12m

Stock Loans, Accounts, Cards, Investments, Advisory
Total Rating 50
Safety 66
Buy Signal -0.03
Banks - Regional +1.6
Regional Banks +2.1
Market Cap: 39,130m
Avg Trading Vol: 115M EUR
ATR: 4.71%
Peers RS (IBD): 27.0
Risk 5d forecast
Volatility41.6%
Rel. Tail Risk-3.45%
Reward TTM
Sharpe Ratio0.96
Alpha28.22
Character TTM
Beta0.553
Beta Downside0.799
Drawdowns 3y
Max DD21.91%
CAGR/Max DD2.09
EPS (Earnings per Share) EPS (Earnings per Share) of CBK over the last years for every Quarter: "2021-03": 0.49, "2021-06": -0.11, "2021-09": 0.39, "2021-12": 0.35, "2022-03": 0.21, "2022-06": 0.23, "2022-09": 0.16, "2022-12": 0.41, "2023-03": 0.46, "2023-06": 0.3, "2023-09": 0.56, "2023-12": 0.32, "2024-03": 0.62, "2024-06": 0.29, "2024-09": 0.54, "2024-12": 0.63, "2025-03": 0.76, "2025-06": 0.35, "2025-09": 0.53, "2025-12": 1.13,
EPS CAGR: 56.64%
EPS Trend: 73.5%
Last SUE: 3.42
Qual. Beats: 1
Revenue Revenue of CBK over the last years for every Quarter: 2021-03: 3094, 2021-06: 2859, 2021-09: 2641, 2021-12: 3435, 2022-03: 3378, 2022-06: 3284, 2022-09: 3015, 2022-12: 4583, 2023-03: 4511, 2023-06: 5592, 2023-09: 4768, 2023-12: 6836, 2024-03: 5946, 2024-06: 6739, 2024-09: 5411, 2024-12: 7150, 2025-03: 5871, 2025-06: 6269, 2025-09: 5281, 2025-12: 3062,
Rev. CAGR: -2.59%
Rev. Trend: 45.1%
Last SUE: -0.23
Qual. Beats: 0
Risks
Technicals: choppy
Description: CBK Commerzbank

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.

Headlines to Watch Out For
  • Net interest income growth driven by ECB rate hikes
  • German economic slowdown impacts corporate loan demand
  • Regulatory fines and compliance costs erode profitability
  • Investment banking revenue sensitive to market volatility
  • Digitalization efforts reduce operating expenses
Piotroski VR‑10 (Strict) 4.5
Net Income: 2.62b TTM > 0 and > 6% of Revenue
FCF/TA: 0.08 > 0.02 and ΔFCF/TA 12.26 > 1.0
NWC/Revenue: 211.9% < 20% (prev -1.34k%; Δ 1.55k% < -1%)
CFO/TA -0.03 > 3% & CFO -18.14b > Net Income 2.62b
Net Debt (82.28b) to EBITDA (3.95b): 20.84 < 3
Current Ratio: 3.55 > 1.5 & < 3
Outstanding Shares: last quarter (1.13b) vs 12m ago -2.27% < -2%
Gross Margin: 57.96% > 18% (prev 0.49%; Δ 5.75k% > 0.5%)
Asset Turnover: 3.54% > 50% (prev 4.55%; Δ -1.01% > 0%)
Interest Coverage Ratio: 0.22 > 6 (EBITDA TTM 3.95b / Interest Expense TTM 8.40b)
Altman Z'' 0.66
A: 0.07 (Total Current Assets 60.43b - Total Current Liabilities 17.03b) / Total Assets 603.53b
B: 0.03 (Retained Earnings 19.28b / Total Assets 603.53b)
C: 0.00 (EBIT TTM 1.89b / Avg Total Assets 579.09b)
D: 0.06 (Book Value of Equity 33.74b / Total Liabilities 568.17b)
Altman-Z'' Score: 0.66 = B
Beneish M
DSRI: none (Receivables none/212.0m, Revenue 20.48b/25.25b)
GMI: 0.84 (GM 57.96% / 48.97%)
AQI: 1.08 (AQ_t 0.90 / AQ_t-1 0.83)
SGI: 0.81 (Revenue 20.48b / 25.25b)
TATA: 0.03 (NI 2.62b - CFO -18.14b) / TA 603.53b)
Beneish M-Score: cannot calculate (missing components)
What is the price of CBK shares? As of April 04, 2026, the stock is trading at EUR 30.79 with a total of 2,858,846 shares traded.
Over the past week, the price has changed by +3.01%, over one month by -0.57%, over three months by -13.73% and over the past year by +49.74%.
Is CBK a buy, sell or hold? Commerzbank has no consensus analysts rating.
What are the forecasts/targets for the CBK price?
Wallstreet Target Price 37.8 22.6%
Analysts Target Price - -
CBK Fundamental Data Overview as of 02 April 2026
Market Cap USD = 39.13b (33.76b EUR * 1.159 EUR.USD)
P/E Trailing = 12.8828
P/E Forward = 11.8483
P/S = 2.9432
P/B = 1.0694
P/EG = 1.3157
Revenue TTM = 20.48b EUR
EBIT TTM = 1.89b EUR
EBITDA TTM = 3.95b EUR
 Long Term Debt = unknown (none)
 Short Term Debt = unknown (none)
 Debt = 142.71b EUR (from shortLongTermDebtTotal, last quarter)
Net Debt = 82.28b EUR (from netDebt column, last quarter)
Enterprise Value = 116.04b EUR (33.76b + Debt 142.71b - CCE 60.43b)
Interest Coverage Ratio = 0.22 (Ebit TTM 1.89b / Interest Expense TTM 8.40b)
EV/FCF = 2.29x (Enterprise Value 116.04b / FCF TTM 50.63b)
FCF Yield = 43.63% (FCF TTM 50.63b / Enterprise Value 116.04b)
 FCF Margin = 247.2% (FCF TTM 50.63b / 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 = 0.19 (Enterprise Value 116.04b / Total Assets 603.53b)
Interest Expense / Debt = 1.95% (Interest Expense 2.79b / Debt 142.71b)
Taxrate = 24.46% (259.0m / 1.06b)
NOPAT = 1.43b (EBIT 1.89b * (1 - 24.46%))
Current Ratio = 3.55 (Total Current Assets 60.43b / Total Current Liabilities 17.03b)
Debt / Equity = 4.22 (Debt 142.71b / totalStockholderEquity, last quarter 33.83b)
Debt / EBITDA = 20.84 (Net Debt 82.28b / EBITDA 3.95b)
Debt / FCF = 1.63 (Net Debt 82.28b / FCF TTM 50.63b)
Total Stockholder Equity = 33.25b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.45% (Net Income 2.62b / Total Assets 603.53b)
RoE = 7.90% (Net Income TTM 2.62b / Total Stockholder Equity 33.25b)
RoCE = 0.32% (EBIT 1.89b / Capital Employed (Total Assets 603.53b - Current Liab 17.03b))
RoIC = 1.32% (NOPAT 1.43b / Invested Capital 108.16b)
WACC = 2.71% (E(33.76b)/V(176.47b) * Re(7.93%) + D(142.71b)/V(176.47b) * Rd(1.95%) * (1-Tc(0.24)))
Discount Rate = 7.93% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -4.66%
[DCF] Terminal Value 80.82% ; FCFF base≈50.63b ; Y1≈33.24b ; Y5≈15.20b
[DCF] Fair Price = 365.0 (EV 482.51b - Net Debt 82.28b = Equity 400.23b / Shares 1.10b; r=6.0% [WACC]; 5y FCF grow -40.0% → 3.0% )
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=-0.002 | Chg30d=-0.001 | Revisions Net=-1 | Growth EPS=+9.4% | Growth Revenue=+8.6%
EPS next Year (2027-12-31): EPS=3.67 | Chg7d=+0.026 | Chg30d=+0.026 | Revisions Net=+2 | Growth EPS=+21.4% | Growth Revenue=+6.3%
[Analyst] Revisions Ratio: -1.00 (0 Up / 1 Down within 30d for Current Year)
[Growth] Implied Growth Rate = 0.2% (Discount Rate 7.9% - Earnings Yield 7.8%)
[Growth] Growth Spread = -0.2% (Analyst 0.0% - Implied 0.2%)