Commerzbank AG stock analysis
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Commerzbank AG (CRZBY) Stock Price & Analysis
CRZBY Stock Chart & Stats
- Day’s Range
- $44.56 - $44.56
- 52-Week Range
- $33.86 - $49.63
- Previous Close
- $44.83
- Volume
- N/A
- Average Volume (3M)
- 1,414
- Market Cap
- $48.18B
- Enterprise Value
- -$14.55B
- Total Cash (Recent Filing)
- $58.94B
- Total Debt (Recent Filing)
- $3.51B
- Price to Earnings (P/E)
- 13.1
- Beta
- 0.59
- Next Earnings
- Feb 11, 2027 (Est.)
- EPS Estimate
- 0.92
- Last Dividend Ex-Date
- May 22, 2026
- Dividend Yield
- 2.88%
Bulls Say, Bears Say
Bulls Say
Strong Earnings Growth
Recent performance shows broad earnings momentum, with revenue, operating profit, and net result all reaching strong levels. This indicates effective execution across the franchise and provides a stronger earnings base for sustaining investment, capital generation, and strategic initiatives over the next several quarters.
Robust Capital Position
A CET1 ratio well above regulatory requirements gives Commerzbank meaningful financial resilience and flexibility. Strong capital generation also supports shareholder distributions while leaving a substantial buffer to absorb credit, market, or regulatory pressures and continue funding the bank’s strategic plans.
Diversified Commercial Growth
Growth in corporate lending and fee income provides diversification beyond traditional interest spreads, while disciplined costs improve the scalability of that expansion. A broader revenue mix and positive operating leverage can make earnings more durable if any single banking product faces cyclical pressure.
Bears Say
Sharp 2025 Revenue Decline
The sharp 2025 revenue decline raises questions about how durable the bank’s recent profitability is, even though margins remain solid. If weaker top-line momentum persists, it could limit operating leverage, reduce capacity to absorb cost increases, and make future earnings more dependent on favorable mix or market conditions.
Deposit Competition Pressures NII
Deposit outflows and higher competition for rate-sensitive customers can increase funding costs and compress the spread between lending yields and deposit expense. This directly pressures net interest income, while the need to retain balances may constrain pricing power across the German banking franchise.
Elevated And Rising Leverage
Elevated leverage reduces financial flexibility and can increase sensitivity to funding costs, credit losses, and adverse market conditions. The significant 2025 debt increase adds to that concern, potentially limiting the resources available for growth, distributions, or absorbing unexpected balance-sheet stress.
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Commerzbank AG Stock Smart Score
Company Description
Commerzbank AG
Commerzbank AG is a leading global financial institution providing a comprehensive array of banking and capital market services. Its clientele is diverse, spanning individual consumers, small businesses, multinational corporations, financial service providers, and institutional investors worldwide. The company operates through two main divisions: "Private and Small-Business Customers" and "Corporate Clients." Among its core services, Commerzbank offers account management, commercial payment processing, enabling payment solutions, clearing, and asset custody. For international trade, it delivers specialized services such as documentary collections, letters of credit, guarantees, trade facilitation, supply chain financing, buyer's credit, and forfaiting. Its extensive financing options include bilateral loans, club deals, Schuldschein instruments, syndicated loans, bond placements, private placements, various other debt instruments, and Islamic financing. Additionally, the bank provides money market, commodities, and precious metals products. It also specializes in interest rate, currency, and liquidity management services, alongside offering comprehensive wealth management solutions. Commerzbank maintains a substantial branch network with approximately 790 locations. Founded in 1870, its headquarters are situated in Frankfurt am Main, Germany.
- Sector
- Financial
- Industry
- Banks - Regional
- CEO
- Bettina Orlopp
- Employees
- 40,812
- Website
- www.commerzbank.de
- Address
- Kaiserplatz, Frankfurt am Main, HE, 60311, DE
Commerzbank AG (CRZBY) Earnings & Revenues
CRZBY Company Deck
CRZBY Earnings Call
Earnings Call SentimentPositive
The call was strongly positive. Commerzbank reported record nine-month results, robust Q3 performance, strong fee and corporate-loan growth, disciplined costs, a resilient risk profile, confirmed financial targets, and substantial capital-return plans. The main challenges were intensified deposit competition, a EUR 100 million reduction in net interest income guidance, loan-margin pressure, a sequential decline in the CET1 ratio, and uncertainty around future UniCredit integration and restructuring. However, management stated that these pressures were being actively managed and that higher net fair value income, the replication portfolio, capital relief, and continued business growth support the outlook.
View all CRZBY earnings summariesTechnical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 13 | 2 | 7 |
| Technical Analysis | 3 | 2 | 5 |
| Moving Averages | 10 | 0 | 2 |













