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Commerzbank AG
🇩🇪 CBK.XETRA · Frankfurt · DE000CBK1001
Bank
Scores
Key Metrics
Powered by EODHDP/E (TTM)
16.7
P/E (Price-to-Earnings)Shows how much investors pay for each $1 of profit. We display the TTM P/E (Trailing Twelve Months) which uses actual earnings from the last 4 quarters. This is more reliable than Forward P/E which uses analyst estimates.
Net Debt/EBITDA (TTM)
-14.1x
Latest quarter: -40.6x
Net Debt / EBITDAA leverage ratio showing how many years of EBITDA (earnings before interest, taxes, depreciation, and amortization) it would take to repay net debt. EBITDA approximates operating cash generation. Lower ratios (e.g., <3x) are generally safer; higher (e.g., >5x) may indicate more financial risk.
Latest quarter (2026-06-30): -40.6x
The quarterly value can spike when quarterly EBITDA is very low (e.g., one-time charges).
Quick guide: <2x manageable, >4x can be risky (sector-dependent).
ROE
9.7%
ROE (Return on Equity)A profitability measure: how much profit is generated from shareholders’ equity. Higher isn’t always better if it comes from high debt.
Dividend Summary
Powered by EODHDDividend Yield (Fwd)
2.87%
TTM: 2.85%
Dividend YieldThe Forward yield (Fwd) shows the next announced annual dividend / current price — what you'd earn going forward. The Trailing yield (TTM) in the tooltip shows dividends actually paid in the last 12 months. Forward is shown as primary because it reflects the company's current commitment to shareholders.
Forward Yield (estimated): 2.87%
Trailing Yield (TTM, last 12 months): 2.85%
Payout Ratio (Fwd)
35.0% TTM
Payout RatioDividends as a percentage of earnings. The Forward payout (Fwd) uses the announced dividend divided by actual past earnings (TTM) — it tells you if the company can afford what it promised. Very high payouts can be risky, especially if profits fall.
Announced dividend / actual earnings (TTM)
Dividend History
EODHD Dividends API| Status | Type | Decl. Date | Ex-Div Date | Pay Date | Currency | Amount |
|---|---|---|---|---|---|---|
| Forecast* | Interim | — | 21 May 2027 | — | EUR | 1.1 |
| Paid | Interim | 11 Feb 2026 | 21 May 2026 | 26 May 2026 | EUR | 1.1 |
* Extrapolated from past dividend history. Not an official announcement — treat as an estimate, not a confirmed date or amount.
² Type not provided by EODHD — inferred from historical payment data.
Summary
Commerzbank is delivering solid underlying earnings and aggressive capital returns, but its share price is heavily inflated by an active takeover bid from UniCredit. Existing holders should maintain positions as the M&A process unfolds, though the premium valuation and 2.85% yield make it less compelling for new dividend-focused entries.
Sector Context
Commerzbank operates as a systemically important regional bank in Germany. In the banking sector, DGI investors must look past deposits-as-liabilities and focus on net income payout ratios, ROE, and capital adequacy ratios to assess dividend safety amid regulatory and cyclical pressures.
📊 Strategy Analysis
- • Underlying earnings growth is strong, with an EPS CAGR (excluding loss years) of 29.8% and robust 2026 half-year results.
- • Commerzbank is executing a substantial capital return plan, targeting €3.2B in returns for 2026 with recent consecutive dividend hikes of 75.0% and 85.7%.
- • The dividend is well-supported by earnings, with a conservative TTM payout ratio of 35.03% and ROE of 9.67%.
⚠ What to Watch
- • Current valuation is heavily inflated by the ongoing UniCredit takeover premium, driving the TTM P/E to 16.69x, which is expensive for a European commercial bank.
- • The 2.85% trailing dividend yield has been compressed by recent share price appreciation, falling below typical DGI income targets.
- • Persistent structural liabilities remain, including legacy mBank CHF mortgage provisions and Russian sanctions-related litigation.
📊 Historical Trends (10 Years)
Powered by EODHDThese charts show how key metrics have evolved over the past decade, helping you identify if the company is improving or deteriorating.
Debt Evolution (Net Debt / EBITDA)
Lower values are better. A declining trend indicates the company is reducing its debt (deleveraging).
Revenue & Earnings Growth
Consistent growth in revenueRevenue
The money a company brings in from selling its products or services. It’s the top line before costs. (blue) and earningsEarnings (Profit)
What’s left after expenses. Positive earnings mean the business made a profit; negative means a loss. (green) indicates a healthy business. Look for upward trends and recoveries after temporary dips.
Analysis date: 2026-08-22
Disclaimer: This information is for educational purposes only. Not financial advice.