(CBK) Commerzbank - Overview
Sector: Financial Services | Industry: Banks - Regional | Exchange: XETRA (Germany) | Market Cap: 39.650m EUR | Total Return: 45.9% in 12m
Retail Banking, Corporate Finance, Asset Management, Securities Trading
Total Rating 45
Safety 40
Buy Signal 0.09
Banks - Regional
Industry Rotation: -9.8
Industry Rotation: -9.8
Market Cap:
46.1B
Avg Turnover: 98.8M
Avg Turnover: 98.8M
Risk 3d forecast
Volatility33.6%
VaR 5th Pctl5.74%
VaR vs Median3.59%
Reward TTM
Sharpe Ratio1.01
Rel. Str. IBD64.7
Rel. Str. Peer Group80.3
Character TTM
Beta0.496
Beta Downside0.283
Hurst Exponent0.372
Drawdowns 3y
Max DD21.91%
CAGR/Max DD2.75
CAGR/Mean DD8.74
EPS (Earnings per Share)
EPS CAGR: 41.70%
EPS Trend: 73.0%
EPS Trend: 73.0%
Last SUE: 0.41
Qual. Beats: 0
Qual. Beats: 0
Revenue
Rev. CAGR: 17.69%
Rev. Trend: 39.1%
Rev. Trend: 39.1%
Last SUE: 0.64
Qual. Beats: 0
Qual. Beats: 0
Warnings
Choppy
Tailwinds
No distinct edge detected
Description: CBK Commerzbank
Commerzbank AG is a major German financial institution headquartered in Frankfurt am Main, operating primarily through its Private and Small-Business Customers and Corporate Clients segments. Founded in 1870, the bank provides a comprehensive suite of services including retail banking, asset management, real estate financing, and investment banking across Europe, the Americas, and Asia.
As a key player in the German Mittelstand economy, the bank specializes in trade finance and corporate advisory for small-to-medium enterprises. The regional banking sector in Germany is characterized by a three-pillar structure consisting of private commercial banks, public-sector savings banks, and cooperative banks, which creates a highly competitive environment for deposit margins and lending.
For a deeper dive into the companys valuation metrics and financial health, consider checking the latest data on ValueRay.
- European Central Bank interest rate shifts dictate net interest margin performance
- German industrial output trends impact corporate loan demand and credit quality
- Operational efficiency targets and headcount reductions determine bottom line profitability
- Potential merger activity and government stake divestment drive share price volatility
- Asset quality in commercial real estate portfolio influences loan loss provisioning levels
Piotroski VR‑10 (Strict)
4.5
| Net Income: 2.70b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.08 > 0.02 and ΔFCF/TA 12.13 > 1.0 |
| NWC/Revenue: 316.9% < 20% (prev 357.2%; Δ -40.38% < -1%) |
| CFO/TA -0.01 > 3% & CFO -4.55b > Net Income 2.70b |
| Net Debt (5.65b) to EBITDA (4.12b): 1.37 < 3 |
| Current Ratio: error (cannot be calculated; needs correct Total Current Assets and Liabilities) |
| Outstanding Shares: last quarter (1.13b) vs 12m ago -1.31% < -2% |
| Gross Margin: 58.67% > 18% (prev 0.50%; Δ 5.82k% > 0.5%) |
| Asset Turnover: 3.51% > 50% (prev 4.39%; Δ -0.88% > 0%) |
| Interest Coverage Ratio: 0.08 > 6 (EBITDA TTM 4.12b / Interest Expense TTM 8.19b) |
Altman Z''
0.88
| A: 0.11 (Total Current Assets 65.47b - Total Current Liabilities 0.0) / Total Assets 603.30b |
| B: 0.03 (Retained Earnings 19.74b / Total Assets 603.30b) |
| C: 0.00 (EBIT TTM 675.0m / Avg Total Assets 588.48b) |
| D: 0.05 (Book Value of Equity 30.58b / Total Liabilities 571.14b) |
| Altman-Z'' Score: 0.88 = B |
What is the price of CBK shares?
As of May 17, 2026, the stock is trading at EUR 36.48 with a total of 2,830,491 shares traded.
Over the past week, the price has changed by +2.85%, over one month by +3.37%, over three months by +9.48% and over the past year by +45.92%.
Over the past week, the price has changed by +2.85%, over one month by +3.37%, over three months by +9.48% and over the past year by +45.92%.
Is CBK a buy, sell or hold?
Commerzbank has no consensus analysts rating.
What are the forecasts/targets for the CBK price?
| Analysts Target Price | - | - |
Commerzbank (CBK) - Fundamental Data Overview
as of 15 May 2026
Market Cap USD = 46.10b (39.65b EUR * 1.1626 EUR.USD)P/E Trailing = 15.1297
P/E Forward = 12.0919
P/S = 3.419
P/B = 1.1334
P/EG = 1.0156
Revenue TTM = 20.66b EUR
EBIT TTM = 675.0m EUR
EBITDA TTM = 4.12b EUR
Long Term Debt = 71.11b EUR (from longTermDebt, last fiscal year)
Short Term Debt = unknown (none)
Debt = 71.11b EUR (corrected: LT Debt 71.11b + ST Debt none)
Net Debt = 5.65b EUR (recalculated: Debt 71.11b - CCE 65.47b)
Enterprise Value = 45.30b EUR (39.65b + Debt 71.11b - CCE 65.47b)
Interest Coverage Ratio = 0.08 (Ebit TTM 675.0m / Interest Expense TTM 8.19b)
EV/FCF = 0.89x (Enterprise Value 45.30b / FCF TTM 50.63b)
FCF Yield = 111.8% (FCF TTM 50.63b / Enterprise Value 45.30b)
FCF Margin = 245.0% (FCF TTM 50.63b / Revenue TTM 20.66b)
Net Margin = 13.09% (Net Income TTM 2.70b / Revenue TTM 20.66b)
Gross Margin = 58.67% ((Revenue TTM 20.66b - Cost of Revenue TTM 8.54b) / Revenue TTM)
Gross Margin QoQ = 54.74% (prev 93.24%)
Tobins Q-Ratio = 0.08 (Enterprise Value 45.30b / Total Assets 603.30b)
Interest Expense / Debt = 3.65% (Interest Expense 2.60b / Debt 71.11b)
Taxrate = 27.49% (373.0m / 1.36b)
NOPAT = 489.5m (EBIT 675.0m * (1 - 27.49%))
Current Ratio = unknown (Total Current Assets 65.47b / Total Current Liabilities 0.0)
Debt / Equity = 2.33 (Debt 71.11b / totalStockholderEquity, last quarter 30.58b)
Debt / EBITDA = 1.37 (Net Debt 5.65b / EBITDA 4.12b)
Debt / FCF = 0.11 (Net Debt 5.65b / FCF TTM 50.63b)
Total Stockholder Equity = 32.15b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.46% (Net Income 2.70b / Total Assets 603.30b)
RoE = 8.41% (Net Income TTM 2.70b / Total Stockholder Equity 32.15b)
RoCE = 0.65% (EBIT 675.0m / Capital Employed (Equity 32.15b + L.T.Debt 71.11b))
RoIC = 0.45% (NOPAT 489.5m / Invested Capital 108.16b)
WACC = 4.47% (E(39.65b)/V(110.77b) * Re(7.73%) + D(71.11b)/V(110.77b) * Rd(3.65%) * (1-Tc(0.27)))
Discount Rate = 7.73% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 7.92%
Shares (quarterly) Correlation: -94.39 | Cagr: -4.15%
[DCF] Terminal Value 80.82% ; FCFF base≈50.63b ; Y1≈33.24b ; Y5≈15.20b
[DCF] Fair Price = 434.9 (EV 482.51b - Net Debt 5.65b = Equity 476.86b / Shares 1.10b; r=6.0% [WACC]; 5y FCF grow -40.0% → 3.0% )
EPS Correlation: 73.02 | EPS CAGR: 41.70% | SUE: 0.41 | # QB: 0
Revenue Correlation: 39.13 | Revenue CAGR: 17.69% | SUE: 0.64 | # QB: 0
EPS current Quarter (2026-06-30): EPS=0.79 | Chg30d=+3.00% | Revisions=+20% | Analysts=2
EPS next Quarter (2026-09-30): EPS=0.83 | Chg30d=+6.07% | Revisions=-20% | Analysts=2
EPS current Year (2026-12-31): EPS=3.08 | Chg30d=+1.45% | Revisions=+8% | GrowthEPS=+11.2% | GrowthRev=+9.0%
EPS next Year (2027-12-31): EPS=3.76 | Chg30d=+2.14% | Revisions=+54% | GrowthEPS=+22.1% | GrowthRev=+6.8%
[Analyst] Revisions Ratio: +54%