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Commerzbank AG (DE:ZZMS)
FRANKFURT:ZZMS

Commerzbank AG (ZZMS) Price & Analysis

12 Followers

ZZMS Stock Chart & Stats

€35.20
€0.00(0.00%)
At close: 4:00 PM EST
€35.20
€0.00(0.00%)

Bulls Say, Bears Say

Bulls Say
Diversified Revenue MixCommerzbank earns from net interest, fees/commissions, trading and related services, creating multiple durable income streams. This diversification reduces single-revenue dependence, helps stabilize net revenue across interest-rate and economic cycles, and supports longer-term cash generation.
Improved Profitability And MarginsProfitability and margins have meaningfully improved since 2020, with net income rising through 2024. Better margins indicate improved cost control and pricing power in core banking activities, which supports durable earnings power and resilience to revenue volatility over the medium term.
Stable Equity Base & Decent ROEThe balance sheet shows a generally stable equity base and mid-to-high single-digit ROE, indicating the bank has generated acceptable returns on capital. This capital stability supports regulatory buffers, dividend capacity and loss absorption, strengthening long-term financial flexibility.
Bears Say
Sharp 2025 Revenue DeclineA major revenue drop in 2025 undermines confidence in top-line durability and raises questions about the sustainability of recent profit improvements. Persistently lower revenues can compress operating leverage, pressure margins and limit reinvestment or payout capacity over the next several quarters.
Elevated And Rising LeverageLeverage increased and total debt rose materially in 2025, heightening solvency and funding risks. Higher indebtedness reduces capital flexibility, increases sensitivity to funding costs and regulatory constraints, and makes earnings and dividend policies more vulnerable during economic stress.
Cash-flow VolatilityReported cash flows have been inconsistent—strong in some years but material outflows in others—creating forecasting and liquidity uncertainty. Volatile cash generation complicates capital planning, weakens predictability of dividends or buybacks, and increases reliance on external funding in stress periods.

Commerzbank AG News

ZZMS FAQ

What was Commerzbank AG’s price range in the past 12 months?
Commerzbank AG lowest stock price was €29.00 and its highest was €39.00 in the past 12 months.
    What is Commerzbank AG’s market cap?
    Commerzbank AG’s market cap is €41.47B.
      When is Commerzbank AG’s upcoming earnings report date?
      Commerzbank AG’s upcoming earnings report date is Aug 06, 2026 which is in 10 days.
        How were Commerzbank AG’s earnings last quarter?
        Commerzbank AG released its earnings results on May 08, 2026. The company reported €0.869 earnings per share for the quarter, beating the consensus estimate of €0.78 by €0.089.
          Is Commerzbank AG overvalued?
          According to Wall Street analysts Commerzbank AG’s price is currently Overvalued. Get more investment ideas with TipRanks Premium
            Does Commerzbank AG pay dividends?
            Commerzbank AG does not currently pay dividends.
            What is Commerzbank AG’s EPS estimate?
            Commerzbank AG’s EPS estimate is 0.73.
              How many shares outstanding does Commerzbank AG have?
              Commerzbank AG has 1,127,496,200 shares outstanding.
                What happened to Commerzbank AG’s price movement after its last earnings report?
                Commerzbank AG reported an EPS of €0.869 in its last earnings report, beating expectations of €0.78. Following the earnings report the stock price went down -1.093%.
                  Which hedge fund is a major shareholder of Commerzbank AG?
                  Currently, no hedge funds are holding shares in DE:ZZMS
                  What is the TipRanks Smart Score and how is it calculated?
                  Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology

                    Commerzbank AG Stock Smart Score

                    5
                    Neutral
                    1
                    2
                    3
                    4
                    5
                    6
                    7
                    8
                    9
                    10

                    Technicals

                    SMA
                    Positive
                    20 days / 200 days
                    Momentum
                    135.02%
                    12-Months-Change

                    Fundamentals

                    Return on Equity
                    3.03%
                    Trailing 12-Months
                    Asset Growth
                    12.17%
                    Trailing 12-Months

                    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.

                    Commerzbank AG (ZZMS) Earnings & Revenues

                    ZZMS Company Deck

                    ZZMS Earnings Call

                    Q1 2026
                    0:00 / 0:00
                    Earnings Call Sentiment|Positive
                    The call conveyed a clearly positive operational and financial momentum: strong revenue growth (+10%), a record operating result (+18%), improved profitability (RoTE 10% before restructuring), and an enhanced capital return program. Management upgraded 2026 guidance (NII to EUR 8.5bn, net result > EUR 3.2bn, RoTE >11.2%) and reiterated a credible roadmap to 2028 targets. Headwinds remain — notably lower Polish rates impacting mBank NII, legacy FX mortgage provisions, Aquila impairments, and deposit competition (beta rising to ~42%) — but these were presented as manageable and largely addressed through capital, cost discipline and strategic actions (AI investments, replication portfolio expansion, RWA management). Overall, positive achievements significantly outweigh the highlighted challenges.View all DE:ZZMS earnings summaries
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