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INDICATIVE · SAMPLE DATA
BKOM60

Komercni Banka as

BanksVerified

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.

30-day price · BKOM-78.00 (-7.2%)
Low$985.50High$1190.00Close$1001.00As of17 May, 00:00 UTC
Profile
CompanyKomercni Banka as
TickerBKOM.PR
SectorFinancials
BusinessBanking & Investment Services
Industry groupBanking & Investment Services
IndustryBanks
AI analysis

Business. 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.

Classification. Komercni Banka a.s. is classified under the industry "Banks" within the business sector "Banking & Investment Services" with a confidence level of 0.92.

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.
Key takeaways
  • 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.
  • --
  • # RATIONALES
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Financial snapshot
PeriodHA-latest
CurrencyCZK
Revenue$6.28B
Gross profit
Operating income
Net income$2.80B
R&D
SG&A
D&A
SBC
Operating cash flow
CapEx
Free cash flow
Total assets$1.61T
Total liabilities$1.49T
Total equity$127.77B
Cash & equivalents
Long-term debt$259.93B
Annual history (last 5)
PeriodRevenueOp IncomeNet IncomeFCF
FY-4$21.80B$12.73B$8.25B
FY-3$28.63B$17.62B-$1.85B
FY-2$25.59B$15.61B$3.79B
FY-1$25.28B$17.24B$2.72B
FY0$25.84B$18.06B$2.09B
PeriodGross %Op %Net %FCF %
FY-4
FY-3
FY-2
FY-1
FY0
PeriodAssetsEquityCashDebt
FY-4$1.24T$123.51B
FY-3$1.31T$121.44B
FY-2$1.52T$125.06B
FY-1$1.54T$126.66B
FY0$1.60T$127.23B
PeriodOCFCapExFCFSBC
FY-4$2.02B-$3.08B$8.25B
FY-3-$28.75B-$3.78B-$1.85B
FY-2-$10.31B-$4.13B$3.79B
FY-1$78.14B-$2.86B$2.72B
FY0$25.61B-$2.68B$2.09B
Quarterly history (last 4)
PeriodRevenueOp IncomeNet IncomeFCF
FQ-7$6.28B$2.80B
FQ-6$6.16B$3.54B
FQ-5$6.26B$6.19B
FQ-4$6.59B$4.70B
FQ-3$6.40B$4.19B
FQ-2$6.40B$4.62B
FQ-1$6.50B$4.78B
FQ0$6.54B$4.47B
PeriodGross %Op %Net %FCF %
FQ-7
FQ-6
FQ-5
FQ-4
FQ-3
FQ-2
FQ-1
FQ0
PeriodAssetsEquityCashDebt
FQ-7$1.61T$127.77B
FQ-6$1.53T$115.69B
FQ-5$1.66T$121.80B
FQ-4$1.54T$126.66B
FQ-3$1.59T$130.47B
FQ-2$1.60T$117.94B
FQ-1$1.62T$122.71B
FQ0$1.60T$127.23B
PeriodOCFCapExFCFSBC
FQ-7
FQ-6
FQ-5
FQ-4
FQ-3
FQ-2
FQ-1
FQ0
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$127.77B
Net cash-$259.93B
Current ratio
Debt/Equity2.0
ROA0.2%
ROE2.2%
Cash conversion
CapEx/Revenue
SBC/Revenue
Asset intensity
Dilution ratio0.0%
Risk assessment
Dilution riskLow
Liquidity riskMedium
  • Net cash is negative after subtracting total debt.
Industry benchmarks
Activity: Banks · cohort 670 companies
MetricBKOMActivity
Op margin36.8% medp25 22.9% · p75 60.0%
Net margin44.7%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 / equity203.0%56.1% medp25 13.2% · p75 161.2%top quartile
Observations
IR observations
Mean price target1,124.30 CZK
Median price target1,127.50 CZK
High price target1,290.00 CZK
Low price target880.00 CZK
Mean recommendation3.08 (1=strong buy, 5=strong sell)
Strong-buy count0.00
Buy count2.00
Hold count8.00
Sell count3.00
Strong-sell count0.00
Mean EPS estimate92.10 CZK
Last actual EPS95.61 CZK
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 10:56 UTC#0733db42
Source: analysis-pipeline (hybrid)Generated: 2026-05-27 12:37 UTCJob: 12911843