(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 | 42,942m |
| Sub-Industry | Regional Banks |
| IPO / Inception |
CBK Stock Ratings
| Growth Rating | 98.0% |
| Fundamental | 48.9% |
| Dividend Rating | 67.1% |
| Return 12m vs S&P 500 | 83.3% |
| Analyst Rating | - |
CBK Dividends
| Dividend Yield 12m | 2.36% |
| Yield on Cost 5y | 15.12% |
| Annual Growth 5y | 11.84% |
| Payout Consistency | 44.7% |
| Payout Ratio | 28.5% |
CBK Growth Ratios
| Growth Correlation 3m | 80.8% |
| Growth Correlation 12m | 94.8% |
| Growth Correlation 5y | 97.7% |
| CAGR 5y | 70.05% |
| CAGR/Max DD 3y | 2.73 |
| CAGR/Mean DD 3y | 12.40 |
| Sharpe Ratio 12m | 2.61 |
| Alpha | 102.00 |
| Beta | 0.709 |
| Volatility | 37.42% |
| Current Volume | 2335.9k |
| Average Volume 20d | 3833.5k |
| Stop Loss | 31.9 (-3.7%) |
| Signal | -1.05 |
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 1157 %; Δ -2666 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 (3.77b) ratio: 0.89 <= 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 3.92%; Δ 47.77pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 4.33% (prev 1.79%; Δ 2.53pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 0.32 (EBITDA TTM 3.77b / 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) 48.89
| 1. Piotroski 5.0pt = 0.0 |
| 2. FCF Yield -4.20% = -2.10 |
| 3. FCF Margin -86.88% = -7.50 |
| 4. Debt/Equity 16.16 = -2.50 |
| 5. Debt/Ebitda 144.9 = -2.50 |
| 6. ROIC - WACC 1.96% = 2.45 |
| 7. RoE 7.85% = 0.65 |
| 8. Rev. Trend 79.13% = 3.96 |
| 9. Rev. CAGR 48.35% = 2.50 |
| 10. EPS Trend 57.05% = 1.43 |
| 11. EPS CAGR 154.5% = 2.50 |
What is the price of CBK shares?
Over the past week, the price has changed by -1.43%, over one month by -11.21%, over three months by +15.60% and over the past year by +117.90%.
Is Commerzbank a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of CBK is around 52.44 EUR . This means that CBK is currently undervalued and has a potential upside of +58.33% (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 | -2.9% |
| Analysts Target Price | - | - |
| ValueRay Target Price | 55.3 | 67% |
CBK Fundamental Data Overview
Market Cap EUR = 36.62b (36.62b EUR * 1.0 EUR.EUR)
CCE Cash And Equivalents = 72.46b EUR (Cash And Short Term Investments, last quarter)
P/E Trailing = 15.5407
P/E Forward = 12.1507
P/S = 3.3034
P/B = 1.0977
P/EG = 1.3506
Beta = 0.884
Revenue TTM = 24.70b EUR
EBIT TTM = 3.77b EUR
EBITDA TTM = 3.77b EUR
Long Term Debt = 101.33b EUR (from nonCurrentLiabilitiesTotal, last quarter)
Short Term Debt = 445.26b EUR (from totalCurrentLiabilities, last quarter)
Debt = 546.59b EUR (Calculated: Short Term 445.26b + Long Term 101.33b)
Net Debt = 3.36b EUR (from netDebt column, last quarter)
Enterprise Value = 510.75b EUR (36.62b + Debt 546.59b - CCE 72.46b)
Interest Coverage Ratio = 0.32 (Ebit TTM 3.77b / Interest Expense TTM 11.93b)
FCF Yield = -4.20% (FCF TTM -21.46b / Enterprise Value 510.75b)
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)
Tobins Q-Ratio = 15.10 (Enterprise Value 510.75b / Book Value Of Equity 33.83b)
Interest Expense / Debt = 0.51% (Interest Expense 2.81b / Debt 546.59b)
Taxrate = 25.80% (989.0m / 3.83b)
NOPAT = 2.80b (EBIT 3.77b * (1 - 25.80%))
Current Ratio = 0.16 (Total Current Assets 72.75b / Total Current Liabilities 445.26b)
Debt / Equity = 16.16 (Debt 546.59b / last Quarter total Stockholder Equity 33.83b)
Debt / EBITDA = 144.9 (Net Debt 3.36b / EBITDA 3.77b)
Debt / FCF = -25.47 (Debt 546.59b / 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 = 2.78% (Ebit 3.77b / (Equity 34.22b + L.T.Debt 101.33b))
RoIC = 2.86% (NOPAT 2.80b / Invested Capital 97.98b)
WACC = 0.90% (E(36.62b)/V(583.21b) * Re(8.63%)) + (D(546.59b)/V(583.21b) * Rd(0.51%) * (1-Tc(0.26)))
Shares Correlation 3-Years: -86.16 | Cagr: -0.87%
Discount Rate = 8.63% (= CAPM, Blume Beta Adj.)
Fair Price DCF = unknown (Cash Flow -21.46b)
Revenue Correlation: 79.13 | Revenue CAGR: 48.35%
Rev Growth-of-Growth: 65.19
EPS Correlation: 57.05 | EPS CAGR: 154.5%
EPS Growth-of-Growth: -49.38