Komercni Banka as
Komercni Banka a.s. is a commercial bank that provides a range of financial services, including retail and corporate banking, asset management, and investment services.
Business. Komercni Banka as (BKOM.PR) is a bank headquartered in the Czech Republic that operates within the Banking & Investment Services industry. The company generates revenue primarily through interest income, consistent with standard banking operations. It is listed on the Prague Stock Exchange under the ticker symbol BKOM.PR. Specific details regarding operating segments or geographic revenue breakdowns are not provided.
Analyst recommendations
13 analysts · consensus HoldAt a glance
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The watch-list the newsroom runs for this company — derived from its sector path, sharpened layer by layer. Not investment advice.
News & coverage
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Analysis
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Upcoming catalysts
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- Peers
- DividendDividend USD 1.75/sh2026-09-25 · Bank of America (BAC)
- EarningsQ3 2026 earnings (expected)2026-10-13 · estimated · JPMorgan Chase (JPM)
- EarningsQ3 2026 earnings (expected)2026-10-13 · estimated · Citigroup (C)
- Macro
- Rate decisionBank of England rate decision (press conf.)2026-08-06 · GB
- Rate decisionReserve Bank of Australia rate decision (press conf.)2026-08-12 · AU
- Rate decisionNorges Bank rate decision (press conf.)2026-08-20 · NO
- Rate decisionSveriges Riksbank rate decision (press conf.)2026-09-03 · SE
- Rate decisionBank of Canada rate decision (press conf.)2026-09-09 · CA
- Rate decisionEuropean Central Bank rate decision (press conf.)2026-09-10 · EU
- Macro & political
- ElectionSE Swedish Election2026-09-14 · SE
- ElectionUS U.S. Midterms2026-11-03 · US
- ElectionFR French Legislative2027-06-01 · FR
Pre-earnings brief
Signals & dispatch
Composite-score breakdown
Synthesis
Komercni Banka as (BKOM.PR) is a bank headquartered in the Czech Republic that operates within the Banking & Investment Services industry. The company generates revenue primarily through interest income, consistent with standard banking operations. It is listed on the Prague Stock Exchange under the ticker symbol BKOM.PR. Specific details regarding operating segments or geographic revenue breakdowns are not provided.
Komercni Banka a.s. has a liquidity position that is characterized as medium, with a debt-to-equity ratio of 2.03, indicating a relatively high level of leverage. The company's return on equity is 2.19%, which is a measure of profitability relative to shareholders' equity. The return on assets is 0.17%, suggesting that the company is generating a low return on its total assets.
In terms of profitability and returns, Komercni Banka a.s. is performing with a return on equity that is below the industry median for banks, which typically have higher returns due to their asset base and interest income. The company's return on assets is also below the industry median, indicating that it is not efficiently utilizing its assets to generate profit.
The company's revenue is primarily concentrated in its domestic market, with no significant international operations disclosed in the available data. This concentration may expose the company to local economic conditions and regulatory changes.
The growth trajectory of Komercni Banka a.s. is not clearly defined in the available data, as there are no specific numeric deltas provided for the current or next fiscal year. However, the company's revenue of CZK 6.28 billion suggests a stable presence in the market.
The risk assessment for Komercni Banka a.s. indicates a medium liquidity risk and a low dilution risk. The company's net cash position is negative after subtracting total debt, which could affect its ability to meet short-term obligations. The dilution risk is low, suggesting that the company is not expected to issue additional shares that could dilute existing shareholders' equity.
Recent events related to Komercni Banka a.s. are not detailed in the available data, but the company's financial snapshot and risk assessment provide a current view of its financial health. Analysts have provided a mean price target of CZK 1,124.30 and a median price target of CZK 1,127.50, with a mean recommendation of 3.08, indicating a neutral stance.
- Komercni Banka a.s. has a medium liquidity risk and a low dilution risk.
- The company's return on equity is 2.19%, which is below the industry median for banks.
- The company's return on assets is 0.17%, indicating a low return on its total assets.
- Komercni Banka a.s. is primarily concentrated in its domestic market, with no significant international operations disclosed.
- Analysts have provided a mean price target of CZK 1,124.30 and a median price target of CZK 1,127.50, with a mean recommendation of 3.08.
Bull / Bear case
Generated · model-assistedNet income grew at a 9.1% CAGR over four years, reaching CZK 18.1 billion in FY2026.
Analysts project 12.3% upside to a mean price target of CZK 1,124.3 from current levels.
Total assets expanded at a 6.5% CAGR, reaching CZK 1.6 trillion, indicating steady balance sheet growth.
Revenue demonstrated consistent growth with a 4.4% CAGR, reaching CZK 25.8 billion in FY2026.
Return on equity of 2.19% falls into the bottom quartile, lagging the 6.1% industry median.
The debt-to-equity ratio of 2.03 is in the bottom quartile, far exceeding the 0.29 median.
Long-term debt surged to CZK 228.6 billion in FY2025, reflecting significant leverage expansion.
The company faces medium liquidity risk, which could constrain operational flexibility during market stress.
In focus — financials by report
Revenue CZK 6.54B, −0,8% YoY; Net income −5,0% YoY.
- ▍Revenue CZK 6.54B, −0,8% YoY
- ▍Net income −5,0% YoY
- ▍Net margin 68.4%
Revenue CZK 6.50B, +3,9% YoY; Net income −22,9% YoY.
- ▍Revenue CZK 6.50B, +3,9% YoY
- ▍Net income −22,9% YoY
- ▍Net margin 73.5%
Revenue CZK 6.40B, +4,0% YoY; Net income +30,6% YoY.
- ▍Revenue CZK 6.40B, +4,0% YoY
- ▍Net income +30,6% YoY
- ▍Net margin 72.2%
Revenue CZK 6.40B, +2,0% YoY; Net income +49,3% YoY.
- ▍Revenue CZK 6.40B, +2,0% YoY
- ▍Net income +49,3% YoY
- ▍Net margin 65.4%
Revenue CZK 6.59B; Net margin 71.4%.
- ▍Revenue CZK 6.59B
- ▍Net margin 71.4%
Revenue CZK 6.26B; Net margin 99.0%.
- ▍Revenue CZK 6.26B
- ▍Net margin 99.0%
Revenue CZK 6.16B; Net margin 57.5%.
- ▍Revenue CZK 6.16B
- ▍Net margin 57.5%
Revenue CZK 6.28B; Net margin 44.7%.
- ▍Revenue CZK 6.28B
- ▍Net margin 44.7%
Revenue CZK 25.84B, +2,2% YoY; Net income +4,7% YoY.
- ▍Revenue CZK 25.84B, +2,2% YoY
- ▍Net income +4,7% YoY
- ▍Free cash flow −23,0% YoY
- ▍Net margin 69.9%
Revenue CZK 25.28B, −1,2% YoY; Net income +10,4% YoY.
- ▍Revenue CZK 25.28B, −1,2% YoY
- ▍Net income +10,4% YoY
- ▍Free cash flow −28,3% YoY
- ▍Net margin 68.2%
Revenue CZK 25.59B, −10,6% YoY; Net income −11,4% YoY.
- ▍Revenue CZK 25.59B, −10,6% YoY
- ▍Net income −11,4% YoY
- ▍Free cash flow +304,4% YoY
- ▍Net margin 61.0%
Revenue CZK 28.63B, +31,4% YoY; Net income +38,5% YoY.
- ▍Revenue CZK 28.63B, +31,4% YoY
- ▍Net income +38,5% YoY
- ▍Free cash flow −122,5% YoY
- ▍Net margin 61.5%
Valuation TTM
Revenue by segment
Business relationships
Supply chain
Peer comparison
Market position
Stress test
Predictor forecast
| Metric | Our forecast | Guidance | Consensus |
|---|---|---|---|
| EPS | —no estimate | —no estimate | 92,10 |
| Revenue | —no estimate | —no estimate | 39,3B CZK |
| Operating income | —no estimate | —no estimate | 21,9B CZK |
Options
Short squeeze
Earnings-call key lines
Consensus distribution
sell-side coverageEstimate revisions
consensus EPS · 26-week trendSell-side observations
Themes
ESG
Risk factors
- Net cash is negative after subtracting total debt.
Benchmarks vs cohort
Corporate actions / M&A
FX exposure
Comparable transactions
Derivatives & instruments
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- ESG data
- Dilution Ratio(shares_outstanding_diluted - shares_outstanding_basic) / shares_outstanding_basic
- Net Cashcash_and_equivalents + short_term_investments - short_term_debt - long_term_debt
- Return On Equitynet_income / total_equity
- Debt To Equity(short_term_debt + long_term_debt) / total_equity
- Return On Assetsnet_income / total_assets
- Komercni Banka as Market data — financials · 2026-05-27
- Komercni Banka as Market data — analyst estimates · 2026-05-27
- Komercni Banka as Market data — ESG · 2026-05-27
Ownership & reference
Leadership
- Gianluca Luca SomaChairman of the Supervisory Board