CBK Stock Analysis: Commerzbank | XETRA
Banks - Regional | XETRA, Germany | Market Cap: 41.861m EUR | 12M Return: 23.5% | DE000CBK1001 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 79.3M
EPS Trend: 96.1%
Qual. Beats: 0
Rev. Trend: -51.0%
Qual. Beats: 3
Warnings
No concerns identified
Tailwinds
No distinct edge detected
Seasonality 11.7 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Commerzbank AG is a German universal bank founded in 1870 and headquartered in Frankfurt am Main, serving private, small-business, corporate, and institutional clients across Germany, the rest of Europe, the Americas, and Asia. It operates through two segments-Private and Small-Business Customers and Corporate Clients-offering a broad range of products including current and business accounts, credit and debit cards, installment and real estate loans, term deposits, card payment terminals, and pension and insurance products. The bank also provides securities trading (shares, funds, ETFs, certificates, options, futures, and bonds), online banking, and wealth management services, reflecting a diversified retail and corporate banking model typical of large European regional banks.
- UniCredit takeover bid threatens Commerzbank independence
- ECB rate cuts squeeze net interest margins
- German corporate loan demand offsets deposit costs
| Net Income: 3.41b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.08 > 0.02 and ΔFCF/TA 11.88 > 1.0 |
| NWC/Revenue: -1.76k% < 20% (prev 212.6%; Δ -1.97k% < -1%) |
| CFO/TA 0.08 > 3% & CFO 51.8b > Net Income 3.41b |
| Net Debt (41.6b) to EBITDA (5.93b): 7.02 < 3 |
| Current Ratio: 0.21 > 1.5 & < 3 |
| Outstanding Shares: last quarter (1.08b) vs 12m ago -4.14% < -2% |
| Gross Margin: 59.00% > 18% (prev 53.45%; Δ 5.55% > 0.5%) |
| Asset Turnover: 3.52% > 50% (prev 4.14%; Δ -0.62% > 0%) |
| Interest Coverage Ratio: 0.46 > 6 (EBIT TTM 5.09b / Interest Expense TTM 11.0b) |
| A: -0.61 (Total Current Assets 101b - Total Current Liabilities 475b) / Total Assets 613b |
| B: 0.03 (Retained Earnings 19.8b / Total Assets 613b) |
| C: 0.01 (EBIT TTM 5.09b / Avg Total Assets 603b) |
| D: 0.06 (Book Value of Equity 34.2b / Total Liabilities 577b) |
| Altman-Z'' = -3.78 = D |
| DSRI: 0.47 (Receivables 184.0m/448.0m, Revenue 21.2b/24.6b) |
| GMI: 0.91 (GM 53.45% / 59.00%) |
| AQI: 0.95 (AQ_t 0.83 / AQ_t-1 0.88) |
| SGI: 0.86 (Revenue 21.2b / 24.6b) |
| TATA: -0.08 (NI 3.41b - CFO 51.8b) / TA 613b) |
| Beneish M = -3.68 (Cap -4..+1) = AAA |
As of November 07, 2026, the stock is trading at EUR 38.21 with a total of 2,746,476 shares traded. Over the past week, the price has changed by +1.14%, over one month by -4.57%, over three months by -0.73% and over the past year by +23.47%.
Current recommended Stop Loss: 36.70 (which is 4% or 1.4 ATR below the current price).
Commerzbank has no consensus analysts rating.
P/E Trailing = 14.8391
P/E Forward = 10.4275
P/S = 3.5228
P/B = 1.2756
P/EG = 0.8317
Revenue TTM = 21.2b EUR
EBIT TTM = 5.09b EUR
EBITDA TTM = 5.93b EUR
Long Term Debt = 71.1b EUR (from longTermDebt, last fiscal year)
Short Term Debt = unknown (none)
Debt = 143b EUR (from shortLongTermDebtTotal, last fiscal year)
Net Debt = 41.6b EUR (calculated: Debt 143b - CCE 101b)
Enterprise Value = 83.5b EUR (41.9b + Debt 143b - CCE 101b)
Interest Coverage Ratio = 0.46 (Ebit TTM 5.09b / Interest Expense TTM 11.0b)
EV/FCF = 1.65x (Enterprise Value 83.5b / FCF TTM 50.6b)
FCF Yield = 60.63% (FCF TTM 50.6b / Enterprise Value 83.5b)
FCF Margin = 238.3% (FCF TTM 50.6b / Revenue TTM 21.2b)
Net Margin = 16.03% (Net Income TTM 3.41b / Revenue TTM 21.2b)
Gross Margin = 59.00% ((Revenue TTM 21.2b - Cost of Revenue TTM 8.71b) / Revenue TTM)
Gross Margin QoQ = 51.28% (prev 53.67%)
Tobins Q-Ratio = 0.14 (Enterprise Value 83.5b / Total Assets 613b)
Interest Expense / Debt = 7.74% (Interest Expense 11.0b / Debt 143b)
Taxrate = 27.38% (1.39b / 5.09b)
NOPAT = 3.70b (EBIT 5.09b * (1 - 27.38%))
Current Ratio = 0.21 (Total Current Assets 101b / Total Current Liabilities 475b)
Debt / Equity = 4.18 (Debt 143b / totalStockholderEquity, last quarter 34.2b)
Debt / EBITDA = 7.02 (Net Debt 41.6b / EBITDA 5.93b)
Debt / FCF = 0.82 (Net Debt 41.6b / FCF TTM 50.6b)
Total Stockholder Equity = 34.0b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.57% (Net Income 3.41b / Total Assets 613b)
RoE = 10.03% (Net Income TTM 3.41b / Total Stockholder Equity 34.0b)
RoCE = 4.85% (EBIT 5.09b / Capital Employed (Equity 34.0b + L.T.Debt 71.1b))
RoIC = 0.63% (NOPAT 3.70b / Invested Capital 590b)
WACC = 6.00% (E(41.9b)/V(185b) * Re(7.30%) + D(143b)/V(185b) * Rd(7.74%) * (1-Tc(0.27)))
Discount Rate = 7.30% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -94.73 | Cagr: -4.07%
[DCF] Terminal Value 75.44% ; FCFF base≈50.6b ; Y1≈50.8b ; Y5≈53.9b
[DCF] Fair Price = 736.4 (EV 838b - Net Debt 41.6b = Equity 796b / Shares 1.08b; r=8.35% [WACC [floored]]; 5y FCF grow 0.0% → 2.50% )
EPS Correlation: 96.10 | EPS CAGR: 26.12% | SUE: -0.37 | # QB: 0
Revenue Correlation: -51.02 | Revenue CAGR: -4.79% | SUE: 2.99 | # QB: 3
EPS current Quarter (2026-09-30): EPS=0.79 | Chg30d=-1.71% | Revisions=+0% | Analysts=6
EPS current Year (2026-12-31): EPS=3.12 | Chg30d=-1.19% | Revisions=-15% | GrowthEPS=+12.9% | GrowthRev=+9.3%
EPS next Year (2027-12-31): EPS=3.94 | Chg30d=+0.99% | Revisions=+25% | GrowthEPS=+26.0% | GrowthRev=+7.9%
[Analyst] Revisions Ratio: +4% (up=12, down=11)