(CBK) Commerzbank - Overview
Exchange: XETRA •
Country: Germany •
Currency: EUR •
Type: Common Stock •
ISIN: DE000CBK1001
Stock: Loans, Accounts, Cards, Investments, Advisory
Total Rating 48
Risk 49
Buy Signal -0.21
| Risk 5d forecast | |
|---|---|
| Volatility | 43.8% |
| Relative Tail Risk | -3.71% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 1.01 |
| Alpha | 31.68 |
| Character TTM | |
|---|---|
| Beta | 0.562 |
| Beta Downside | 0.964 |
| Drawdowns 3y | |
|---|---|
| Max DD | 21.89% |
| CAGR/Max DD | 2.53 |
EPS (Earnings per Share)
Revenue
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.
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, 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 11, 2026, the stock is trading at EUR 31.72 with a total of 4,496,992 shares traded.
Over the past week, the price has changed by +0.19%, over one month by -10.04%, over three months by -8.59% and over the past year by +39.92%.
Over the past week, the price has changed by +0.19%, over one month by -10.04%, over three months by -8.59% and over the past year by +39.92%.
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 | 16.6% |
| Analysts Target Price | - | - |
CBK Fundamental Data Overview March 07, 2026
Market Cap USD = 40.55b (35.22b EUR * 1.1513 EUR.USD)
P/E Trailing = 13.4077
P/E Forward = 11.0497
P/S = 3.0762
P/B = 1.0547
P/EG = 0.9286
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 = 39.18b EUR (35.22b + Debt 3.96b - (null CCE))
Interest Coverage Ratio = 0.22 (Ebit TTM 1.89b / Interest Expense TTM 8.40b)
EV/FCF = -1.83x (Enterprise Value 39.18b / FCF TTM -21.46b)
FCF Yield = -54.78% (FCF TTM -21.46b / Enterprise Value 39.18b)
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 39.18b / 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 = 7.17% (E(35.22b)/V(39.18b) * Re(7.98%) + (debt cost/tax rate unavailable))
Discount Rate = 7.98% (= 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: 3.45 | # 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=+1 | 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: +0.08 (7 Up / 6 Down within 30d for Current Year)
[Growth] Implied Growth Rate = 0.5% (Discount Rate 8.0% - Earnings Yield 7.5%)
[Growth] Growth Spread = -0.5% (Analyst 0.0% - Implied 0.5%)
P/E Trailing = 13.4077
P/E Forward = 11.0497
P/S = 3.0762
P/B = 1.0547
P/EG = 0.9286
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 = 39.18b EUR (35.22b + Debt 3.96b - (null CCE))
Interest Coverage Ratio = 0.22 (Ebit TTM 1.89b / Interest Expense TTM 8.40b)
EV/FCF = -1.83x (Enterprise Value 39.18b / FCF TTM -21.46b)
FCF Yield = -54.78% (FCF TTM -21.46b / Enterprise Value 39.18b)
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 39.18b / 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 = 7.17% (E(35.22b)/V(39.18b) * Re(7.98%) + (debt cost/tax rate unavailable))
Discount Rate = 7.98% (= 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: 3.45 | # 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=+1 | 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: +0.08 (7 Up / 6 Down within 30d for Current Year)
[Growth] Implied Growth Rate = 0.5% (Discount Rate 8.0% - Earnings Yield 7.5%)
[Growth] Growth Spread = -0.5% (Analyst 0.0% - Implied 0.5%)