(CBK) Commerzbank - XETRA
Sector: Financial Services | Industry: Banks - Regional | Exchange: XETRA (Germany) | Market Cap: 40.681m EUR | Total Return: 34.2% in 12m
Avg Turnover: 101M
EPS Trend: 95.9%
Qual. Beats: 0
Rev. Trend: 36.9%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
No distinct edge detected
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
| 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 0.09 > 3% & CFO 51.8b > Net Income 2.70b |
| Net Debt (5.65b) to EBITDA (4.96b): 1.14 < 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 50.36%; Δ 8.30% > 0.5%) |
| Asset Turnover: 3.51% > 50% (prev 4.39%; Δ -0.88% > 0%) |
| Interest Coverage Ratio: 0.37 > 6 (EBIT TTM 4.12b / Interest Expense TTM 11.1b) |
| A: 0.11 (Total Current Assets 65.5b - Total Current Liabilities 0.0) / Total Assets 603b |
| B: 0.03 (Retained Earnings 19.7b / Total Assets 603b) |
| C: 0.01 (EBIT TTM 4.12b / Avg Total Assets 588b) |
| D: 0.05 (Book Value of Equity 30.6b / Total Liabilities 571b) |
| Altman-Z'' = 0.92 = BB |
As of June 11, 2026, the stock is trading at EUR 36.22 with a total of 3,374,918 shares traded.
Over the past week, the price has changed by -0.52%,
over one month by +3.77%,
over three months by +17.67% and
over the past year by +34.21%.
Commerzbank has no consensus analysts rating.
P/E Trailing = 17.0968
P/E Forward = 12.3916
P/S = 3.5079
P/B = 1.1934
P/EG = 0.9244
Revenue TTM = 20.7b EUR
EBIT TTM = 4.12b EUR
EBITDA TTM = 4.96b EUR
Long Term Debt = 71.1b EUR (from longTermDebt, last fiscal year)
Short Term Debt = unknown (none)
Debt = 71.1b EUR (corrected: LT Debt 71.1b + ST Debt none)
Net Debt = 5.65b EUR (calculated: Debt 71.1b - CCE 65.5b)
Enterprise Value = 46.3b EUR (40.7b + Debt 71.1b - CCE 65.5b)
Interest Coverage Ratio = 0.37 (Ebit TTM 4.12b / Interest Expense TTM 11.1b)
EV/FCF = 0.92x (Enterprise Value 46.3b / FCF TTM 50.6b)
FCF Yield = 109.3% (FCF TTM 50.6b / Enterprise Value 46.3b)
FCF Margin = 245.0% (FCF TTM 50.6b / Revenue TTM 20.7b)
Net Margin = 13.09% (Net Income TTM 2.70b / Revenue TTM 20.7b)
Gross Margin = 58.67% ((Revenue TTM 20.7b - Cost of Revenue TTM 8.54b) / Revenue TTM)
Gross Margin QoQ = 54.74% (prev 93.24%)
Tobins Q-Ratio = 0.08 (Enterprise Value 46.3b / Total Assets 603b)
Interest Expense / Debt = 15.58% (Interest Expense 11.1b / Debt 71.1b)
Taxrate = 28.07% (1.16b / 4.12b)
NOPAT = 2.96b (EBIT 4.12b * (1 - 28.07%))
Current Ratio = unknown (Total Current Assets 65.5b / Total Current Liabilities 0.0)
Debt / Equity = 2.33 (Debt 71.1b / totalStockholderEquity, last quarter 30.6b)
Debt / EBITDA = 1.14 (Net Debt 5.65b / EBITDA 4.96b)
Debt / FCF = 0.11 (Net Debt 5.65b / FCF TTM 50.6b)
Total Stockholder Equity = 32.1b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.46% (Net Income 2.70b / Total Assets 603b)
RoE = 8.41% (Net Income TTM 2.70b / Total Stockholder Equity 32.1b)
RoCE = 3.99% (EBIT 4.12b / Capital Employed (Equity 32.1b + L.T.Debt 71.1b))
RoIC = 0.77% (EBIT 4.12b / (Assets 603b - Curr.Liab 0.0 - Cash 65.5b))
WACC = 9.96% (E(40.7b)/V(112b) * Re(7.77%) + D(71.1b)/V(112b) * Rd(15.58%) * (1-Tc(0.28)))
Discount Rate = 7.77% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -94.39 | Cagr: -4.15%
[DCF] Terminal Value 70.01% ; FCFF base≈50.6b ; Y1≈50.8b ; Y5≈53.9b
[DCF] Fair Price = 594.8 (EV 658b - Net Debt 5.65b = Equity 652b / Shares 1.10b; r=9.96% [WACC]; 5y FCF grow 0.0% → 2.50% )
EPS Correlation: 95.86 | EPS CAGR: 26.70% | SUE: 0.41 | # QB: 0
Revenue Correlation: 36.87 | Revenue CAGR: 4.98% | SUE: 0.64 | # QB: 0
EPS current Quarter (2026-06-30): EPS=0.76 | Chg30d=-0.76% | Revisions=-20% | Analysts=5
EPS next Quarter (2026-09-30): EPS=0.80 | Chg30d=+2.03% | Revisions=-20% | Analysts=5
EPS current Year (2026-12-31): EPS=3.07 | Chg30d=+1.31% | Revisions=+47% | GrowthEPS=+11.0% | GrowthRev=+8.9%
EPS next Year (2027-12-31): EPS=3.76 | Chg30d=+0.63% | Revisions=+43% | GrowthEPS=+22.4% | GrowthRev=+7.4%
[Analyst] Revisions Ratio: +47%