⚠️ Not investment advice. This is a quantitative research tool; every decision is the user's own responsibility. Past performance does not guarantee future results.⚠️ Not investment advice. Past performance does not guarantee future results.
⚠️ Not investment advice. Past performance does not guarantee future results.
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Commerzbank CBK.DE

Germany Financial Services
6.6/10
AI Analyst score
42.31 EUR
Last price at analysis date · analyst target 41.42 (-2.1%)
🛒 Where to buy CBK.DEPartner brokers · Germany (Xetra) · sample 200.00 € orderGermany (Xetra)
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🟡 HOLD — Hold or buy on dips, monitoring the potential UniCredit acquisition and regulatory stability.

Commerzbank is a German bank offering retail, corporate, and investment banking services, with a business model focused on the domestic market and corporate financing. Commerzbank shows moderate financial health (ROE 9.67) but exceptional quality (operating margin 43.66%) and earnings growth of 325.40%, with a reasonable valuation (forward P/E 10.83). The ECB's rate hikes favor its interest margin.

Financial health
4.1
Quality / Moat
9.0
Valuation
4.7
Growth
8.4
Dividend
6.8
Momentum
6.7
Risk & Context
7.4

Detailed metrics

Market and fundamental data as of the analysis date.

💵 Valuation
P/E16.21
Fwd P/E10.83
EV/EBITDAN/D
P/B1.35
P/S3.85
PEG0.83
Market cap45.73 B EUR
Enterprise value46.48 B EUR
🏰 Quality and moat
ROIC (approx.)3.8%
Gross margin0.00%
FCF conversionN/D
Operating margin43.66%
📈 Profitability and margins
ROE9.67%
ROA0.57%
Net margin26.42%
FCFN/D
FCF yieldN/D
🏦 Solvency and liquidity
Total debt101.86 B EUR
Net debt-784.0 M EUR
Cash102.64 B EUR
EBITDAN/D
Net debt / EBITDAN/D
D/EN/D
Current ratioN/D
Quick ratioN/D
🚀 Growth
Revenue growth10.10%
Earnings growth325.40%
EPS (TTM)2.61 EUR
EPS (Fwd)3.90 EUR
💰 Dividend and risk
Dividend yield2.60%
Payout42.2%
Beta0.68
Analyst consensusBuy (13)
Target price41.42 EUR
52-week range29.01 EUR – 43.37 EUR
⚠️ Main risk: Regulatory and integration uncertainty from the potential UniCredit acquisition, which could alter the bank's structure and strategic focus.
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Full AI report

Generated automatically from the metrics, the macro context and the company's news.

Commerzbank is a German bank offering retail, corporate, and investment banking services, with a business model focused on the domestic market and corporate financing. Commerzbank shows moderate financial health (ROE 9.67) but exceptional quality (operating margin 43.66%) and earnings growth of 325.40%, with a reasonable valuation (forward P/E 10.83). The ECB's rate hikes favor its interest margin.

Score by category

CategoryScore
Financial health4.1
Quality / Moat9.0
Valuation4.7
Growth8.4
Dividend6.8
Momentum6.7
Risk & Context7.4

OVERALL SCORE: 6.6/10

Context and risks

Germany has moderate governance risk. The potential UniCredit acquisition introduces regulatory and integration uncertainty, though there are no lawsuits or direct geopolitical exposure.

News considered in the analysis

  • Commerzbank CEO Says UniCredit Approval Could Come by Early Next Year — La posible aprobación regulatoria para la adquisición por UniCredit es un evento material que podría transformar la estructura de la empresa, aunque aún no está confirmado.
  • Commerzbank may buy UniCredit’s German unit HVB – report — Un rumor sobre la compra de HVB podría ampliar la franquicia doméstica, pero es especulativo y no confirmado.
  • Commerzbank Says Treasuries Weaker, US Equity Futures Decline as Oil Prices Rebounds — Comentario de mercado sin información específica sobre la empresa.
  • 3 Banking Stocks Built For Higher Short Term Yields — Listículo genérico sin información nueva.
  • Commerzbank Says Long-End Treasuries Stabilize After NY Selloff, Oil Price Lower, US Equity Futures Supported — Comentario de mercado sin información específica sobre la empresa.

Verdict: Hold or buy on dips, monitoring the potential UniCredit acquisition and regulatory stability.

Main risk: Regulatory and integration uncertainty from the potential UniCredit acquisition, which could alter the bank's structure and strategic focus.

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Automatically generated analysis from fundamental, market and news data. Not personalised financial advice — a research tool, not an individual recommendation. Past performance does not guarantee future results. Last update of this analysis: 2026-09-28. Legal notice, privacy & cookies.