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INDICATIVE · SAMPLE DATA
CBKG59

Commerzbank AG

BanksVerified

Commerzbank's capital structure is characterized by a total equity of 32.18 billion EUR and total liabilities of 519.80 billion EUR, resulting in a debt-to-equity ratio of 0.0, indicating a strong equity position with minimal long-term debt. The company's liquidity is assessed as low, suggesting potential challenges in meeting short-term obligations without external financing. In terms of profitability, Commerzbank's return on equity (ROE) is 2.32%, and its return on assets (ROA) is 0.14%. These figures are below the industry median for banks, indicating that the company is underperforming relative to its peers in generating returns on equity and assets. The company's revenue is primarily concentrated in Germany, with a significant portion derived from its domestic operations. While the exact geographic breakdown is not provided, the lack of diversification could expose the company to regional economic fluctuations. Commerzbank's growth trajectory is modest, with no significant revenue growth reported in the latest financial period. The company's outlook for the current fiscal year is stable, with no substantial changes expected in the near term. The risk assessment for Commerzbank indicates low liquidity and dilution risks, with no immediate filing-based flags detected. However, the company's low ROA and ROE suggest operational inefficiencies that could impact long-term sustainability. Recent events, including analyst estimates and recommendations, indicate a mixed sentiment among investors. The mean price target is 39.25 EUR, with a median of 39.50 EUR, and a range from 34.00 EUR to 44.00 EUR. The mean recommendation is 2.29, indicating a slight bias towards a buy rating.

30-day price · CBKG+4.24 (+13.2%)
Low$30.74High$37.54Close$36.48As of17 May, 00:00 UTC
Profile
CompanyCommerzbank AG
TickerCBKG.DE
SectorFinancials
BusinessBanking & Investment Services
Industry groupBanking & Investment Services
IndustryBanks
AI analysis

Business. Commerzbank AG is a German multinational banking and financial services company that provides a range of services including retail banking, corporate banking, and investment banking.

Classification. Commerzbank is classified under the Financials economic sector, Banking & Investment Services business sector, and Banks industry with a confidence level of 0.92.

Commerzbank's capital structure is characterized by a total equity of 32.18 billion EUR and total liabilities of 519.80 billion EUR, resulting in a debt-to-equity ratio of 0.0, indicating a strong equity position with minimal long-term debt. The company's liquidity is assessed as low, suggesting potential challenges in meeting short-term obligations without external financing. In terms of profitability, Commerzbank's return on equity (ROE) is 2.32%, and its return on assets (ROA) is 0.14%. These figures are below the industry median for banks, indicating that the company is underperforming relative to its peers in generating returns on equity and assets. The company's revenue is primarily concentrated in Germany, with a significant portion derived from its domestic operations. While the exact geographic breakdown is not provided, the lack of diversification could expose the company to regional economic fluctuations. Commerzbank's growth trajectory is modest, with no significant revenue growth reported in the latest financial period. The company's outlook for the current fiscal year is stable, with no substantial changes expected in the near term. The risk assessment for Commerzbank indicates low liquidity and dilution risks, with no immediate filing-based flags detected. However, the company's low ROA and ROE suggest operational inefficiencies that could impact long-term sustainability. Recent events, including analyst estimates and recommendations, indicate a mixed sentiment among investors. The mean price target is 39.25 EUR, with a median of 39.50 EUR, and a range from 34.00 EUR to 44.00 EUR. The mean recommendation is 2.29, indicating a slight bias towards a buy rating.
Key takeaways
  • Commerzbank has a strong equity position with minimal long-term debt, as evidenced by a debt-to-equity ratio of 0.0.
  • The company's ROE and ROA are below industry medians, indicating underperformance in generating returns.
  • Revenue is heavily concentrated in Germany, which could pose regional economic risks.
  • Analysts have a mixed sentiment, with a mean recommendation of 2.29 and a price target range of 34.00 EUR to 44.00 EUR.
  • The company faces low liquidity and dilution risks, but operational inefficiencies may affect long-term sustainability.
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Financial snapshot
PeriodHA-latest
CurrencyEUR
Revenue$2.13B
Gross profit
Operating income
Net income$747.0M
R&D
SG&A
D&A
SBC
Operating cash flow
CapEx
Free cash flow
Total assets$551.98B
Total liabilities$519.80B
Total equity$32.18B
Cash & equivalents
Long-term debt$0.00
Annual history (last 5)
PeriodRevenueOp IncomeNet IncomeFCF
FY-4$4.85B$431.0M$401.0M
FY-3$6.46B$1.44B$1.64B
FY-2$8.37B$2.23B$1.79B
FY-1$8.33B$2.68B$2.14B
FY0$8.23B$2.62B$1.99B
PeriodGross %Op %Net %FCF %
FY-4
FY-3
FY-2
FY-1
FY0
PeriodAssetsEquityCashDebt
FY-4$467.41B$28.85B
FY-3$477.43B$30.05B
FY-2$517.17B$31.99B
FY-1$554.65B$34.47B
FY0$590.09B$33.83B
PeriodOCFCapExFCFSBC
FY-4-$24.26B-$973.0M$401.0M
FY-3$25.86B-$675.0M$1.64B
FY-2$20.28B-$998.0M$1.79B
FY-1-$20.32B-$1.15B$2.14B
FY0-$6.73B-$1.15B$1.99B
Quarterly history (last 4)
PeriodRevenueOp IncomeNet IncomeFCF
FQ-7$2.13B$747.0M
FQ-6$2.08B$538.0M
FQ-5$2.05B$642.0M
FQ-4$2.08B$749.0M
FQ-3$2.07B$835.0M
FQ-2$2.06B$461.0M
FQ-1$2.04B$592.0M
FQ0$2.05B$736.0M
PeriodGross %Op %Net %FCF %
FQ-7
FQ-6
FQ-5
FQ-4
FQ-3
FQ-2
FQ-1
FQ0
PeriodAssetsEquityCashDebt
FQ-7$551.98B$32.18B
FQ-6$560.09B$32.27B
FQ-5$565.33B$33.61B
FQ-4$554.65B$34.47B
FQ-3$573.67B$34.97B
FQ-2$581.82B$33.84B
FQ-1$592.95B$34.32B
FQ0$590.09B$33.83B
PeriodOCFCapExFCFSBC
FQ-7
FQ-6$11.75B
FQ-5
FQ-4-$20.32B
FQ-3
FQ-2$2.18B
FQ-1
FQ0-$6.73B
Valuation
Market price
Market cap
Enterprise value
P/E
Reported non-GAAP P/E
EV/Revenue
EV/Op income
EV/OCF
P/B
P/Tangible book
Tangible book$32.18B
Net cash
Current ratio
Debt/Equity0.0
ROA0.1%
ROE2.3%
Cash conversion
CapEx/Revenue
SBC/Revenue
Asset intensity
Dilution ratio0.0%
Risk assessment
Dilution riskLow
Liquidity riskLow
  • No immediate filing-based liquidity or dilution flags were detected.
Industry benchmarks
Activity: Banks · cohort 670 companies
MetricCBKGActivity
Op margin36.8% medp25 22.9% · p75 60.0%
Net margin35.1%33.6% medp25 19.4% · p75 51.1%above median
Gross margin55.0% medp25 42.9% · p75 88.7%
CapEx / revenue-4.6% medp25 -10.4% · p75 -2.1%
Debt / equity0.0%56.1% medp25 13.2% · p75 161.2%bottom quartile
Observations
IR observations
Mean price target39.25 EUR
Median price target39.50 EUR
High price target44.00 EUR
Low price target34.00 EUR
Mean recommendation2.29 (1=strong buy, 5=strong sell)
Strong-buy count3.00
Buy count7.00
Hold count6.00
Sell count1.00
Strong-sell count0.00
Mean EPS estimate3.01 EUR
Last actual EPS2.90 EUR
Competitor context
JPMJPMorgan ChaseUSPeer
Derived from classification anchor Banks.
Banks, Banking & Investment Services, Financials
BACBank of AmericaUSPeer
Derived from classification anchor Banks.
Banks, Banking & Investment Services, Financials
CCitigroupUSPeer
Derived from classification anchor Banks.
Banks, Banking & Investment Services, Financials
Source data
Underlying data the analysis-pipeline pulls and audits. Fetch timestamps + content hashes show when each source was last refreshed.
Company fundamentalsperiod FQ-7 · history via verified-market-data
no public URL
2026-05-01 05:32 UTC#ce998f18
Source: analysis-pipeline (hybrid)Generated: 2026-05-27 14:42 UTCJob: 89c3479d