CBK.HA Commerzbank AG
- Market cap
- -
- P/E
- 14.6x
- P/B
- 1.20x
- ROE
- 10.7%
- Dividend yield
- 2.96%
- Fundamental score
- 2.0/5
Ratios use the latest price and the current fiscal year annualized from 2 quarters up to Jun 2026.
Is CBK.HA undervalued?
Graham numberCBK.HA trades 11.8% below its Graham number.
Graham number = √(22.5 × EPS × book value per share): the most a defensive investor should pay according to Benjamin Graham. An estimate, not a recommendation to buy or sell. How is it calculated?
Commerzbank AG fundamental analysis
10 of 22 checks passedROE 1/2
Moderate return on equity (10.7%), between 10% and 20%.
ROA 0/1
Return on assets (0.6%) is below the industry median (3.1%).
Profit Consistency 2/2
Profitable for 5 consecutive years.
Earnings Growth 5Y 1/1
Earnings per share grew over the past 5 years.
Earnings Acceleration 0/1
Not enough positive earnings history to compare last year's growth with the 5-year average.
Earnings Growth vs Industry 0/1
Last year's EPS growth (3.2%) is below the industry median (4.6%).
Revenue Growth 1/2
Revenue grew 7.6% a year over the past 3 years.
Short-term Liquidity 0/1
Current assets do not cover short-term liabilities.
Long-term Liabilities 0/1
Current assets do not cover long-term liabilities.
Debt to Equity 0/2
Debt to equity cannot be calculated: debt is not reported or equity is negative.
Debt Trend 0/1
Debt to equity has risen over the past 5 years.
Debt Coverage 0/1
Debt is not reported.
Interest Coverage 0/1
EBIT is negative, against interest expense, below 5x.
PE vs Market 1/1
PE (14.6x) is below the market median (19.6x).
PE vs Industry 1/1
PE (14.6x) is below the industry median (18.2x).
PBV 1/1
Price to book (1.2x) is below the industry median (2.0x).
Graham Number 1/1
The price is below the Graham number (PE x PB = 17.5, limit 22.5).
PEG 0/1
PEG needs positive PE and positive 5-year earnings growth.
Dividend Yield 1/2
Dividend yield (1.9%) is above the bottom 25% of dividend payers in the market.
Dividend Stability 0/2
Dividends were not paid steadily for the past 5 years.
Dividend Growth 0/1
Dividends paid did not grow over the past 5 years.
Payout Ratio 1/1
Payout ratio is 27.9%, covered by earnings.
Each check is worth 1 or 2 points by how much it says about the quality of the company. The score is the share of points earned, out of 5. Ask AI to explain this score
Commerzbank AG stock price
Prices on the chart can differ slightly from the closing prices StockSummer uses for its ratios.
Commerzbank AG financial statements
2026 annualized: Fiscal year 2026 is not finished. Income statement and cash flow are annualized from 2 quarters up to Jun 30, 2026, the balance sheet is the latest quarter. Figures change when the annual report is published.
Commerzbank AG annual financial statements (EUR; K = thousand, M = million, B = billion, T = trillion)
| Item | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 Anlz |
|---|---|---|---|---|---|---|---|---|---|
| Income Statement | |||||||||
| Revenue | 8.62B | 8.81B | 8.76B | 9.65B | 10.4B | 11.8B | 12.4B | 12.9B | 13.3B |
| Net Income | 865M | 147M | -2.87B | 430M | 1.44B | 2.22B | 2.68B | 2.63B | 3.62B |
| EPS | 0.69 | 0.12 | -2.29 | 0.34 | 1.15 | 1.79 | 2.32 | 2.39 | 3.35 |
| Balance Sheet | |||||||||
| Total Assets | 462B | 464B | 507B | 467B | 477B | 517B | 555B | 590B | 619B |
| Total Liabilities | 433B | 433B | 478B | 438B | 446B | 484B | 519B | 555B | 584B |
| Shareholders' Equity | 28.2B | 29.4B | 27.5B | 28.9B | 30.0B | 32.0B | 34.5B | 33.8B | 33.8B |
| Cash & Short-term Investments | 62.3B | 46.2B | 81.2B | 60.2B | 86.6B | 103B | 79.1B | 67.7B | 59.0B |
| Cash Flow | |||||||||
| Operating Cash Flow | -1.70B | 17.5B | 33.7B | -24.3B | 25.9B | 20.3B | -20.3B | -6.73B | - |
| Capital Expenditure | 589M | 699M | 898M | 973M | 675M | 998M | 1.15B | 1.15B | 0.00 |
| Free Cash Flow | -2.29B | 16.8B | 32.8B | -25.2B | 25.2B | 19.3B | -21.4B | -7.87B | - |
| Ratios | |||||||||
| ROE | 3.1% | 0.5% | -10.5% | 1.5% | 4.8% | 7.0% | 7.8% | 7.8% | 10.7% |
| ROA | 0.2% | 0.0% | -0.6% | 0.1% | 0.3% | 0.4% | 0.5% | 0.4% | 0.6% |
| Net Profit Margin | 10.0% | 1.7% | -32.8% | 4.5% | 13.8% | 18.8% | 21.7% | 20.3% | 27.2% |
What these items mean
- Revenue
- Total sales of goods and services in the period.
- Net Income
- Profit left for shareholders after all expenses, interest and taxes.
- EPS
- Net income divided by shares outstanding.
- Total Assets
- Everything the company owns.
- Total Liabilities
- Everything the company owes.
- Shareholders' Equity
- Assets minus liabilities: the book value that belongs to shareholders.
- Cash & Short-term Investments
- Cash and investments that can be turned into cash quickly.
- Operating Cash Flow
- Cash generated by the core business.
- Capital Expenditure
- Cash spent on property, plant and equipment.
- Free Cash Flow
- Operating cash flow minus capital expenditure: cash left for dividends, buybacks or debt repayment.
- ROE
- Return on equity: net income divided by shareholders' equity.
- ROA
- Return on assets: net income divided by total assets.
- Net Profit Margin
- Net income as a share of revenue.
Commerzbank AG dividends
- Dividend yield
- 2.96%
- Forward dividend
- -
- Payout ratio
- 27.9%
- Ex-dividend date
- -
| Fiscal year | Dividends paid | Per share | Payout ratio |
|---|---|---|---|
| 2025 | EUR 733M | 0.67 | 27.9% |
| 2024 | EUR 415M | 0.36 | 15.5% |
| 2023 | EUR 250M | 0.20 | 11.2% |
| 2022 | - | - | - |
| 2021 | - | - | - |
| 2020 | - | - | - |
| 2019 | EUR 250M | 0.20 | 170.1% |
| 2018 | - | - | - |
From the cash flow statement: dividends paid in the fiscal year, divided by that year's shares outstanding. Payout ratio = dividends paid / net income.
Last stock split: 1:10 on Apr 24, 2013.
Who owns Commerzbank AG
Ownership data of Commerzbank AG is not available yet.
Commerzbank AG company profile
- Company name
- Commerzbank AG
- Ticker
- CBK.HA
- Exchange
- Hanover Exchange
- Sector
- Other
- Industry
- Metals & Mining
- Employees
- 42,312
- Fiscal year end
- December
- Address
- Website
- -
About Commerzbank AG
There is no Profile data available for CBK.HA.