(CBK) Commerzbank - Ratings and Ratios
Accounts, Loans, Cards, Securities, Advisory
CBK EPS (Earnings per Share)
CBK Revenue
| Risk via 10d forecast | |
|---|---|
| Volatility | 38.8% |
| Value at Risk 5%th | 60.1% |
| Relative Tail Risk | -5.89% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 2.12 |
| Alpha | 110.64 |
| Character TTM | |
|---|---|
| Hurst Exponent | 0.590 |
| Beta | 0.163 |
| Beta Downside | 0.453 |
| Drawdowns 3y | |
|---|---|
| Max DD | 25.68% |
| Mean DD | 7.73% |
| Median DD | 6.49% |
Description: CBK Commerzbank September 29, 2025
Commerzbank AG (XETRA: CBK) is a full-service German bank that serves private individuals, small-business owners, corporates, financial-service providers, and institutional clients across Germany, the broader European region, the Americas, and Asia. Its operations are organized into two primary segments: Private & Small-Business Customers and Corporate Clients.
The bank’s product suite spans retail banking (savings, fixed-deposit, checking, and joint accounts), credit and debit cards, pension solutions, payment services, overdrafts, and a full range of loan products-including instalment, real-estate, and corporate financing. It also provides advisory services for mergers & acquisitions, trade finance, foreign-exchange, and securities trading (shares, funds, ETFs, bonds), together with wealth-planning, asset-management, estate- and foundation-management, risk analytics, and succession planning.
Key recent metrics (Q2 2024) show a net profit of €1.3 billion, a Common Equity Tier 1 (CET1) ratio of 14.5 % and a return on equity (ROE) of 7.2 %, reflecting a modest recovery after a prolonged low-interest-rate environment. The bank’s earnings are increasingly tied to the European Central Bank’s policy trajectory, German GDP growth (≈0.3 % YoY in 2023), and the pace of digital-banking adoption, which together drive loan-demand and fee-income potential.
For a deeper, data-driven assessment of Commerzbank’s valuation and risk profile, you may find the analytics on ValueRay worth a look.
CBK Stock Overview
| Market Cap in USD | 43,897m |
| Sub-Industry | Regional Banks |
| IPO / Inception | |
| Return 12m vs S&P 500 | 82.6% |
| Analyst Rating | - |
CBK Dividends
| Dividend Yield | 1.94% |
| Yield on Cost 5y | 13.92% |
| Yield CAGR 5y | 15.02% |
| Payout Consistency | 45.1% |
| Payout Ratio | 28.6% |
CBK Growth Ratios
| CAGR 3y | 67.61% |
| CAGR/Max DD Calmar Ratio | 2.63 |
| CAGR/Mean DD Pain Ratio | 8.74 |
| Current Volume | 2852.1k |
| Average Volume | 2683.8k |
Piotroski VR‑10 (Strict, 0-10) 5.0
| Net Income (2.64b TTM) > 0 and > 6% of Revenue (6% = 1.31b TTM) |
| FCFTA -0.04 (>2.0%) and ΔFCFTA -7.03pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue -1555 % (prev 1226 %; Δ -2782 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 2.64b (YES >=105%, WARN >=100%) |
| Net Debt (-24.24b) to EBITDA (2.86b) ratio: -8.48 <= 3.0 (WARN <= 3.5) |
| Current Ratio 0.21 (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 -4.83% (target <= -2.0% for YES) |
| Gross Margin 60.29% (prev 22.14%; Δ 38.15pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 3.76% (prev 2.94%; Δ 0.83pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 0.25 (EBITDA TTM 2.86b / Interest Expense TTM 11.44b) >= 6 (WARN >= 3) |
Altman Z'' -3.57
| (A) -0.57 = (Total Current Assets 89.93b - Total Current Liabilities 428.75b) / Total Assets 592.95b |
| (B) 0.03 = Retained Earnings (Balance) 19.39b / Total Assets 592.95b |
| (C) 0.00 = EBIT TTM 2.89b / Avg Total Assets 579.14b |
| (D) 0.03 = Book Value of Equity 19.39b / Total Liabilities 557.18b |
| Total Rating: -3.57 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 43.43
| 1. Piotroski 5.0pt = 0.0 |
| 2. FCF Yield -91.58% = -5.0 |
| 3. FCF Margin -98.51% = -7.50 |
| 4. Debt/Equity 1.60 = 1.34 |
| 5. Debt/Ebitda -8.48 = 2.50 |
| 6. ROIC - WACC (= -2.74)% = -3.42 |
| 7. RoE 7.67% = 0.64 |
| 8. Rev. Trend 43.41% = 3.26 |
| 9. EPS Trend 32.39% = 1.62 |
What is the price of CBK shares?
Over the past week, the price has changed by -1.09%, over one month by +9.04%, over three months by -7.07% and over the past year by +111.12%.
Is Commerzbank a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of CBK is around 51.48 EUR . This means that CBK is currently undervalued and has a potential upside of +53.49% (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 | 32.9 | -2% |
| Analysts Target Price | - | - |
| ValueRay Target Price | 55.4 | 65.2% |
CBK Fundamental Data Overview January 01, 1970
Market Cap EUR = 37.82b (37.82b EUR * 1.0 EUR.EUR)
P/E Trailing = 16.2029
P/E Forward = 12.5945
P/S = 3.3407
P/B = 1.1401
P/EG = 1.3995
Beta = 0.636
Revenue TTM = 21.79b EUR
EBIT TTM = 2.89b EUR
EBITDA TTM = 2.86b EUR
Long Term Debt = 53.33b EUR (from longTermDebt, last fiscal year)
Short Term Debt = unknown (none)
Debt = 54.89b EUR (from shortLongTermDebtTotal, last fiscal year)
Net Debt = -24.24b EUR (from netDebt column, last fiscal year)
Enterprise Value = 23.43b EUR (37.82b + Debt 54.89b - CCE 69.27b)
Interest Coverage Ratio = 0.25 (Ebit TTM 2.89b / Interest Expense TTM 11.44b)
FCF Yield = -91.58% (FCF TTM -21.46b / Enterprise Value 23.43b)
FCF Margin = -98.51% (FCF TTM -21.46b / Revenue TTM 21.79b)
Net Margin = 12.11% (Net Income TTM 2.64b / Revenue TTM 21.79b)
Gross Margin = 60.29% ((Revenue TTM 21.79b - Cost of Revenue TTM 8.65b) / Revenue TTM)
Gross Margin QoQ = 100.0% (prev 55.18%)
Tobins Q-Ratio = 0.04 (Enterprise Value 23.43b / Total Assets 592.95b)
Interest Expense / Debt = 5.07% (Interest Expense 2.79b / Debt 54.89b)
Taxrate = 36.42% (374.0m / 1.03b)
NOPAT = 1.84b (EBIT 2.89b * (1 - 36.42%))
Current Ratio = 0.21 (Total Current Assets 89.93b / Total Current Liabilities 428.75b)
Debt / Equity = 1.60 (Debt 54.89b / totalStockholderEquity, last quarter 34.31b)
Debt / EBITDA = -8.48 (Net Debt -24.24b / EBITDA 2.86b)
Debt / FCF = 1.13 (negative FCF - burning cash) (Net Debt -24.24b / FCF TTM -21.46b)
Total Stockholder Equity = 34.40b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.45% (Net Income 2.64b / Total Assets 592.95b)
RoE = 7.67% (Net Income TTM 2.64b / Total Stockholder Equity 34.40b)
RoCE = 3.29% (EBIT 2.89b / Capital Employed (Equity 34.40b + L.T.Debt 53.33b))
RoIC = 1.87% (NOPAT 1.84b / Invested Capital 97.98b)
WACC = 4.61% (E(37.82b)/V(92.70b) * Re(6.62%) + D(54.89b)/V(92.70b) * Rd(5.07%) * (1-Tc(0.36)))
Discount Rate = 6.62% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 8.05%
Shares Correlation 3-Years: -100.0 | Cagr: -4.65%
Fair Price DCF = unknown (Cash Flow -21.46b)
EPS Correlation: 32.39 | EPS CAGR: 9.78% | SUE: -0.35 | # QB: 0
Revenue Correlation: 43.41 | Revenue CAGR: -5.57% | SUE: -0.12 | # QB: 0