Question 1

Where is the Commerzbank AG stock traded?

Accepted Answer

The Commerzbank AG stock trades under the ticker CBK.XETRA on the XETRA exchange. ISIN: DE000CBK1001.

Question 2

What does Commerzbank AG do?

Accepted Answer

Commerzbank AG is a company characterized by the following investment thesis:

Question 3

What are the key metrics for CBK.XETRA?

Accepted Answer

Key metrics for CBK.XETRA include valuation (P/E 15.2, P/S 3.6, P/B 1.3), profitability (profit margin 26.42%, ROE 9.67%), and growth (revenue —, earnings —). Market capitalization is 42.95B EUR. These metrics give an overview of the company's financial performance and valuation.

Question 4

How has Commerzbank AG's stock price performed?

Accepted Answer

Commerzbank AG's stock has returned — over 1 year, — over 3 years, and — over 5 years. Performance can vary depending on market conditions and company developments.

Question 5

How is CBK.XETRA valued?

Accepted Answer

CBK.XETRA has the following valuation metrics: P/E Ratio: 15.2, P/S Ratio: 3.6, P/B Ratio: 1.3. These metrics help assess whether the stock is fairly valued compared to its fundamentals.

Question 6

Does CBK.XETRA pay dividends?

Accepted Answer

Yes, CBK.XETRA pays dividends with a dividend yield of 2.8%. Dividends can be an important component of the total return on an investment.

Question 7

What are the key risks when investing in CBK.XETRA?

Accepted Answer

Key risks for CBK.XETRA include: Commerzbank operates as a major German universal bank with exposure across corporate and investment banking, SME lending, retail deposits, and digital banking. Its competitive set includes large German and pan-European institutions such as Deutsche Bank, UniCredit/HypoVereinsbank, and ING Groep, alongside significant domestic networks like Sparkassen, Volksbanken, and DZ Bank. These competitors contest the same ground on deposit funding, corporate relationships, and digital distribution channels. The bank faces material headwinds from credit quality and SME portfolio stress, margin compression driven by low and volatile interest rates, and ongoing pressure from digital-native competitors and fintech players. Regulatory capital requirements and operational risks—spanning IT infrastructure, cybersecurity, and third-party dependencies—represent additional structural constraints on the business.Credit risk concentration in SME and corporate loan portfolios amplifies losses when economic conditions deteriorate.Net interest margin faces pressure from two directions. Low and volatile interest rates constrain what banks can earn on assets, while intense deposit competition drives up the cost of funding. The combination leaves less room between what a bank pays depositors and what it collects from borrowers.Intense competition from large European banks, regional cooperative and savings banks, and digital challengers is eroding both fees and deposits.Regulatory and capital requirements, along with operational risks such as IT failures, cyberattacks, and third-party vendor failures, could necessitate remediation costs or constrain business operations [8, 3, 21].Investors should consider these risk factors carefully before making an investment decision.

Question 8

Who are the main competitors of Commerzbank AG?

Accepted Answer

Commerzbank AG competes with several listed peers in its sector. Commerzbank AG operates as a major German commercial bank with offerings across retail, SME and corporate banking, transaction banking, and markets services. Its competitive landscape includes large universal banks with substantial corporate and capital-markets capabilities (Deutsche Bank, UniCredit/HypoVereinsbank), major retail-focused and direct banks (ING Germany, Santander Germany, DKB), as well as public-sector savings banks and cooperative institutions (Sparkassen, Volksbanken/DZ Bank) that maintain strong local presences. Digital competitors including neobanks and fintechs (N26, Trade Republic) apply meaningful pressure in digital channels. The bank faces material exposure to credit risk and macroeconomic cycles, along with market and interest-rate volatility. Regulatory and resolution requirements present ongoing compliance demands, while execution risks around digital transformation and cost structure optimization remain substantive challenges.[web:4][web:3]UniCredit S.p.A. (HypoVereinsbank in Germany) (UCG.MI)ING Groep N.V. (ING Germany competitor) (INGA.AS)Santander Consumer Bank (part of Banco Santander S.A.) (SAN.MC)BNP Paribas S.A. (BNP.PA)These competitors influence pricing power, growth opportunities and relative valuation.

Question 9

When does Commerzbank AG report earnings?

Accepted Answer

Commerzbank AG's next earnings report date is November 5, 2026.

	2025	2024	2023	2022	2021
Revenue	12.93B	12.36B	11.81B	10.39B	12.06B
Operating income (EBIT)	3.95B	3.83B	3.40B	2.00B	105.00M
Net income	2.62B	2.68B	2.22B	1.44B	430.00M
Free cash flow	50.63B	-21.46B	19.28B	25.18B	-25.23B
Total assets	603.53B	554.65B	517.17B	477.44B	467.41B
Equity	33.83B	34.47B	31.99B	30.02B	28.85B
Net debt	82.28B	-24.24B	6.54B	-42.88B	-16.36B

Commerzbank AG Financials

Key financial figures

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