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Commerzbank AG (CRZBY) AI Stock Analysis
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Commerzbank AG
(Other OTC:CRZBY)
The score is driven primarily by a constructive earnings-call outlook (confirmed guidance, strong profitability metrics, and significant planned capital returns) and supportive technical trend signals (price above key moving averages, positive MACD). These positives are moderated by only mid-range underlying financial statement strength due to 2025 revenue weakness, cash-flow volatility, and leverage concerns, while valuation appears fair rather than notably cheap.
Commerzbank AG (CRZBY) vs. SPDR S&P 500 ETF (SPY)
- Market Cap
- $45.49B
- Dividend Yield
- 3.04%
- Average Volume (3M)
- 14.30K
- Price to Earnings (P/E)
- 13.4
- Beta (1Y)
- 0.52
- Revenue Growth
- 4.41%
- EPS Growth
- 29.50%
- Country
- US
- Employees
- 40,812
- Sector
- Financial
- Sector Strength
- 68
- Industry
- Banks - Regional
Commerzbank AG Business Overview & Revenue Model
Company Description
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...
How the Company Makes Money
Commerzbank primarily makes money by earning (1) net interest income and (2) fee and commission income, supplemented by trading/investment-related results and other operating income. 1) Net interest income (interest margin): The bank takes deposits (...
Commerzbank AG Earnings Call Summary
The call presents a strong operational and financial performance with multiple record metrics (revenues, operating result, net result), disciplined capital return plans (EUR 3.2bn planned return, ECB-approved EUR 1.2bn buyback), solid capital ratios (CET1 14.4%) and material strategic progress (AI rollout, replication portfolio, RWA relief potential). Key risks are takeover-related uncertainty and potential restructuring/integration challenges with UniCredit, mBank NII headwinds from lower Polish rates, intensified deposit competition and a modest rise in nonperforming exposures. Overall, the positives — strong profitability, clear capital distribution framework, and tangible transformation gains — materially outweigh the manageable headwinds and uncertainty.
Q2-2026 Updates
Positive Updates
Negative Updates
Company Guidance
Management confirmed unchanged 2026 guidance: total revenues of approximately €13.2bn, net interest income around €8.6bn, a risk result of ~€850m, group costs of about €7bn (targeting a cost‑income ratio of ~53% or ~51% excl. compulsory contributions) and a net result of at least €3.4bn (net RoTE ~12%); CET1 stood at 14.4% in Q2 and is expected to be above 14% at year‑end, with the Board committed to a 100% payout after AT1 coupons (planned 2026 capital return €3.2bn, total yield ~8%, with an ECB‑approved share buyback of up to €1.2bn and a dividend share of at least 50%). Looking further, management reiterated Momentum 2030 targets (net RoTE ~17% in 2028 and ~21% in 2030, cost‑income ratio improving to ~43%), the replication portfolio adding €400–600m NII p.a. to 2030, cumulative AI investments of ~€600m to 2030 with ~€500m p.a. value contribution expected, and an anticipated mid‑ to high‑single‑digit‑billion RWA reduction from IRB scope changes phasing in by end‑Q2 2027.
Commerzbank AG Financial Statement Overview
Summary
Profitability and margins improved materially versus 2020 with rising net income through 2024, but 2025 showed a sharp revenue decline and cash flows have been volatile (large outflows in 2021 and 2024). Leverage is a key risk factor, with debt stepping up in 2025 and some data-quality inconsistency noted in leverage figures.
Income Statement
62PositiveBalance Sheet
55NeutralCash Flow
58Neutral| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 20.74B | 10.69B | 25.25B | 21.71B | 14.26B | 12.06B |
| Gross Profit | 12.06B | 10.00B | 12.36B | 11.81B | 10.39B | 9.64B |
| EBITDA | 4.84B | 4.79B | 4.64B | 4.23B | 2.82B | 980.00M |
| Net Income | 3.16B | 2.63B | 2.68B | 2.22B | 1.44B | 430.00M |
Balance Sheet | ||||||
| Total Assets | 618.80B | 603.28B | 554.65B | 517.17B | 477.43B | 467.41B |
| Cash, Cash Equivalents and Short-Term Investments | 58.94B | 97.96B | 89.72B | 102.69B | 86.65B | 60.21B |
| Total Debt | 3.51B | 142.65B | 54.89B | 48.25B | 43.77B | 43.84B |
| Total Liabilities | 583.63B | 567.93B | 518.93B | 484.16B | 446.50B | 437.58B |
| Stockholders Equity | 33.77B | 33.81B | 34.47B | 31.99B | 30.05B | 28.85B |
Cash Flow | ||||||
| Free Cash Flow | 0 | 48.63B | -21.46B | 19.28B | 25.18B | -25.23B |
| Operating Cash Flow | 0 | 49.73B | -20.32B | 20.28B | 25.86B | -24.26B |
| Investing Cash Flow | 0 | -57.15B | -1.31B | -920.00M | -713.00M | -804.00M |
| Financing Cash Flow | 0 | -3.33B | 565.00M | -1.29B | 178.00M | -1.21B |
Commerzbank AG Technical Analysis
Price Trends
Market Momentum
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For CRZBY, the sentiment is Negative. The current price of 42.17 is below the 20-day moving average (MA) of 42.32, below the 50-day MA of 45.37, and above the 200-day MA of 41.93, indicating a neutral trend. The MACD of -0.95 indicates Negative momentum. The RSI at 44.19 is Neutral, neither overbought nor oversold. The STOCH value of 86.82 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for CRZBY.
Commerzbank AG Peers Comparison
Overall Rating
PNC78Outperform
LYG70Outperform
NWG70Outperform- CRZBY68Neutral
TFC68Neutral
FITB66Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| PNC | 78Outperform | $90.46B | 12.12 | 12.61% | 3.25% | 7.11% | 21.33% |
| LYG | 70Outperform | $71.62B | 9.56 | 13.09% | 4.30% | 1.06% | 75.52% |
| NWG | 70Outperform | $61.35B | 6.10 | 15.79% | 6.10% | 6.17% | 16.21% |
| CRZBY | 68Neutral | $45.76B | 13.44 | 9.51% | 3.04% | 4.41% | 29.50% |
| TFC | 68Neutral | $58.47B | 12.41 | 8.14% | 4.26% | -4.97% | 4.01% |
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
| FITB | 66Neutral | $48.88B | 18.20 | 8.30% | 3.01% | 15.15% | -12.33% |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| CRZBY | Commerzbank AG (ADR) | 42.17 | 6.00 | 16.59% | |
| TFC | Truist Financial Corporation | 48.79 | 6.39 | 15.06% | |
| FITB | Fifth Third | 53.87 | 13.68 | 34.04% | |
| LYG | Lloyds Banking Group | 5.00 | 0.43 | 9.39% | |
| PNC | PNC Financial Services | 227.86 | 50.95 | 28.80% | |
| NWG | Natwest Group Plc | 15.47 | 0.85 | 5.84% |
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.
Date of analysis: Aug 06, 2026