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Commerzbank AG provides banking and capital market products and services to private and small business customers, corporate, financial service providers, and institutional clients in Germany, rest of Europe, the Americas, and Asia. It operates through two segments, Private and Small-Business Customers, and Corporate Clients. The company offers current, money market, checking, business accounts; insurance products; credit and debit cards; pension scheme; card payment terminal; and various loans. It also offers installment loans; renovation loans, debt structuring, car loan, overdraft facility; real estate financing; term deposits; and online banking services, as well as trades securities, such as shares, funds, ETFs, certificates, options and futures, and bonds. In addition, the company provides wealth management services. Commerzbank AG was founded in 1870 and is headquartered in Frankfurt am Main, Germany.
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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.
Commerzbank AG is a major German retail and corporate bank offering deposits, lending, transaction banking and wealth services to households and businesses. Long-term growth may be supported by higher net interest income in a sustained rate environment, cost cuts and digitalisation, and steady lending to the German Mittelstand, making its large domestic franchise potentially attractive for investors.
Principal risks include cyclical credit losses, regulatory and legal exposure, competitive and margin pressure from fintech and larger banks, and sensitivity to German macroeconomic and interest-rate shocks.
Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Income before tax | 3945.52M | 3833.00M | 3403.00M | 2005.00M | 105.00M |
| Minority interest | -234.00M | -168.00M | -70.00M | 42.00M | 77.00M |
| Net income | 2623.02M | 2677.00M | 2224.00M | 1435.00M | 430.00M |
| Selling general administrative | 1307.00M | 1271.00M | 1208.00M | 1086.00M | 1208.00M |
| Selling and marketing expenses | 225.00M | 214.00M | 197.00M | 167.00M | 145.00M |
| Gross profit | 10405.10M | 12362.00M | 11812.00M | 10390.00M | 9654.00M |
| Reconciled depreciation | 838.00M | 806.00M | 769.00M | 811.00M | 1089.00M |
| Ebit | 3947.00M | 3833.00M | 3403.00M | 2047.00M | 182.00M |
| Ebitda | 4785.00M | 4639.00M | 4172.00M | 2858.00M | 1057.00M |
| Depreciation and amortization | 838.00M | 806.00M | 769.00M | 811.00M | 875.00M |
| Operating income | 3945.52M | 3833.00M | 3403.00M | 2047.00M | 182.00M |
| Other operating expenses | 7181.31M | 21413.00M | 18304.00M | 7410.00M | 7389.00M |
| Interest expense | 11293.00M | 12884.00M | 9895.00M | 3872.00M | 2420.00M |
| Tax provision | 1089.00M | 989.00M | 981.00M | 612.00M | -248.00M |
| Interest income | 19520.00M | 21216.00M | 16685.00M | 10332.00M | 7267.00M |
| Net interest income | 8227.00M | 8332.00M | 8201.00M | 6460.00M | 4847.00M |
| Income tax expense | 1088.59M | 989.00M | 1188.00M | 612.00M | -248.00M |
| Total revenue | 11126.83M | 25246.00M | 21707.00M | 10390.00M | 9654.00M |
| Total operating expenses | 6459.58M | 8529.00M | 8409.00M | 7410.00M | 7389.00M |
| Cost of revenue | 721.73M | 12884.00M | 9895.00M | - | - |
| Total other income expense net | - | -1265.00M | -6138.00M | -42.00M | -77.00M |
| Net income from continuing ops | 2859.00M | 2845.00M | 2372.00M | 1393.00M | 354.00M |
| Net income applicable to common shares | - | - | - | 1245.00M | 290.00M |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Total assets | 603308.95M | 554646.00M | 517166.00M | 477438.00M | 473044.00M |
| Intangible assets | 1858.30M | 1673.00M | 1394.00M | 1289.00M | 1243.00M |
| Other current assets | -319.00M | -212.00M | 121901.00M | 17625.00M | 40979.00M |
| Total liab | 567958.20M | 518929.00M | 484158.00M | 43765.00M | 43845.00M |
| Total stockholder equity | 33816.33M | 34468.00M | 31992.00M | 30016.00M | 28851.00M |
| Other current liab | 214.92M | 428284.00M | 404703.00M | 2269.00M | 2661.00M |
| Common stock | 1096.59M | 1154.00M | 1240.00M | 1252.00M | 1252.00M |
| Capital stock | 1097.00M | 1154.00M | 1240.00M | 1252.00M | 1252.00M |
| Retained earnings | 19268.78M | 19000.00M | 18026.00M | 16466.00M | 14979.00M |
| Other liab | - | - | - | 4552.00M | 5429.00M |
| Good will | 112.00M | 112.00M | 0.00M | - | 0.00M |
| Other assets | - | 554646.00M | -259425.00M | 289908.00M | 286345.00M |
| Cash | 60407.37M | 79122.00M | 102692.00M | 86647.00M | 60207.00M |
| Total current liabilities | 214.92M | 428751.00M | 405238.00M | 398834.00M | 394443.00M |
| Net debt | 82245.18M | -24236.00M | -54438.00M | -42882.00M | -16362.00M |
| Short long term debt total | 142652.55M | 54886.00M | 48254.00M | 43765.00M | 43845.00M |
| Other stockholder equity | 13456.00M | 14320.00M | 12726.00M | 12298.00M | 12620.00M |
| Property plant equipment | - | - | - | 2426.00M | 2881.00M |
| Total current assets | 97964.29M | 89927.00M | 102933.00M | 86903.00M | 60476.00M |
| Long term investments | 146141.00M | 128184.00M | 100653.00M | 96911.00M | 122100.00M |
| Net tangible assets | - | - | - | 28727.00M | 27608.00M |
| Short term investments | 37556.93M | 10593.00M | 6753.00M | - | - |
| Net receivables | 319.00M | 212.00M | 241.00M | 256.00M | 269.00M |
| Inventory | - | - | -102933.00M | - | - |
| Accounts payable | - | - | - | 373347.00M | 351800.00M |
| Accumulated other comprehensive income | 13450.96M | 14314.00M | 12726.00M | - | - |
| Non currrent assets other | 4985.13M | 106999.00M | 90122.00M | -100627.00M | -126223.00M |
| Non current assets total | 505344.66M | 464719.00M | 414233.00M | 100627.00M | 126223.00M |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Investments | - | -1313.00M | -920.00M | -713.00M | -804.00M |
| Change to liabilities | - | - | - | 0.00M | 0.00M |
| Total cashflows from investing activities | -999.00M | -1313.00M | -920.00M | -713.00M | -804.00M |
| Net borrowings | 283.00M | 1245.00M | -439.00M | 178.00M | -1706.00M |
| Total cash from financing activities | -3467.70M | 565.00M | -1289.00M | 178.00M | -1211.00M |
| Change to operating activities | - | - | - | 22627.00M | -30873.00M |
| Net income | 2315.13M | 2845.00M | 2214.00M | 1393.00M | 354.00M |
| Change in cash | -12571.00M | -20125.00M | 17893.00M | 25726.00M | -26096.00M |
| Begin period cash flow | 73001.00M | 93126.00M | 75233.00M | 49507.00M | 75603.00M |
| End period cash flow | 60430.00M | 73001.00M | 93126.00M | 75233.00M | 49507.00M |
| Total cash from operating activities | -6727.00M | -20315.00M | 20282.00M | 25859.00M | -24261.00M |
| Issuance of capital stock | - | - | - | 0.00M | 496.00M |
| Depreciation | - | - | 824.00M | 478.00M | 523.00M |
| Other cashflows from investing activities | 38979.02M | 36.00M | 58.00M | -1.00M | -1.00M |
| Dividends paid | 1041.61M | 415.00M | 250.00M | - | - |
| Sale purchase of stock | -1527.43M | -1072.00M | -122.00M | - | - |
| Other cashflows from financing activities | -1181.66M | 807.00M | -478.00M | -713.00M | -1707.00M |
| Change to netincome | - | - | - | -5773.00M | 9612.00M |
| Capital expenditures | 1146.57M | 1146.00M | 998.00M | 675.00M | 973.00M |
| Change in working capital | 39655.14M | -27125.00M | 15137.00M | 29310.00M | -35253.00M |
| Stock based compensation | - | - | 43.00M | - | - |
| Other non cash items | -48697.28M | 3965.00M | 2931.00M | -4844.00M | 10638.00M |
| Free cash flow | 50609.04M | -21461.00M | 19284.00M | 25184.00M | -25234.00M |
Sector: Financial Services Industry: Banks - Regional
|
Stock Name
|
Change
(USD) |
Price
(USD) |
Trailing
PE (x) |
Forward
PE (x) |
Price Sales
TTM (x) |
Price to Book Value (x)
|
Enterprise Value
to Revenue (x) |
|---|---|---|---|---|---|---|---|
| CRZBF Commerzbank AG |
- -% |
41.55 | 16.17 | 11.47 | 4.46 | 1.35 | 9.91 |
| DBSDY DBS Group Holdings Ltd ADR |
0.20 0.09% |
231.02 | 20.00 | 17.57 | 7.54 | 3.17 | 13.19 |
| CIHHF China Merchants Bank Co Ltd Class H |
- -% |
6.66 | 7.70 | 7.10 | 0.55 | 0.83 | 3.51 |
| CIHKY China Merchants Bank Co Ltd |
-0.36 1.07% |
33.16 | 7.79 | 7.20 | 0.55 | 0.85 | 3.51 |
| UNCFF UniCredit SpA |
- -% |
84.14 | 11.53 | 10.27 | 5.72 | 1.83 | 8.22 |
Commerzbank AG provides banking and capital market products and services to private and small business customers, corporate, financial service providers, and institutional clients in Germany, rest of Europe, the Americas, and Asia. It operates through two segments, Private and Small-Business Customers, and Corporate Clients. The company offers current, money market, checking, business accounts; insurance products; credit and debit cards; pension scheme; card payment terminal; and various loans. It also offers installment loans; renovation loans, debt structuring, car loan, overdraft facility; real estate financing; term deposits; and online banking services, as well as trades securities, such as shares, funds, ETFs, certificates, options and futures, and bonds. In addition, the company provides wealth management services. Commerzbank AG was founded in 1870 and is headquartered in Frankfurt am Main, Germany.
| Name | Title | Year Born |
|---|---|---|
| Dr. Manfred Knof | Chairman of MD & CEO | 1965 |
| Dr. Bettina Orlopp | CFO, Head of Tax, IR, Treasury & Deputy Chairwoman of the Board of MD | 1970 |
| Dr. Marcus Chromik | Chief Compliance Officer, Chief Risk Officer & Member of the Board of MD | 1972 |
| Ms. Sabine Schmittroth | Head of Group HR, Bus. Segment Private & Small-Bus. Customers & Member of Board of MD | 1965 |
| Mr. Michael Kotzbauer | Head of Corp. Clients Bus. & Member of the Board of MD | 1969 |
| Magistrate Thomas Schaufler CEFA | Member of the Board of Managing Director | 1970 |
| Dr. Jorg Oliveri del Castillo-Schulz | COO & Member of the Board of MD | 1967 |
| Mr. Christoph Wortig | Head of Investor Relations | NA |
| Mr. Sven Korndorffer | Head, Corp. Communications, Public Affairs, Brand Mgmt., Communication Products & Services div. | NA |
| Mr. Toufic Yafoui | Head of Fixed Income Sales - Middle East | NA |
Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.
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