Commerzbank AG (ZZMS) Stock Price & Analysis
ZZMS Stock Chart & Stats
- Day’s Range
- EUR 37.60 - EUR 37.60
- 52-Week Range
- EUR 29.00 - EUR 42.80
- Previous Close
- EUR 37.80
- Volume
- N/A
- Average Volume (3M)
- 17
- Market Cap
- EUR 40.83B
- Enterprise Value
- -EUR 15.48B
- Total Cash (Recent Filing)
- EUR 58.94B
- Total Debt (Recent Filing)
- EUR 3.51B
- Price to Earnings (P/E)
- 13.4
- Beta
- 0.97
- Next Earnings
- Nov 05, 2026 (Est.)
- EPS Estimate
- 0.78
- Next Dividend Ex-Date
- N/A
- Dividend Yield
- 2.90%
Bulls Say, Bears Say
Bulls Say
Strong Earnings Momentum
Strong H1 growth across revenue and net income indicates broad operating momentum and improving earnings capacity. If maintained, this performance supports investment in the franchise, strengthens internal capital generation, and provides a durable base for meeting full-year profitability objectives.
Strong Capital Position
A 14.4% CET1 ratio provides a substantial capital cushion while allowing meaningful shareholder distributions. The combination of regulatory approval, a defined payout framework, and retained capital strength suggests the bank can return capital without compromising near-term resilience or strategic flexibility.
Structural NII Growth Opportunity
The replication portfolio offers a visible, multi-year contribution to net interest income rather than relying solely on loan growth or market conditions. This structural earnings lever can support revenue durability through 2030 and improve management’s ability to reach its longer-term profitability targets.
Bears Say
Recent Revenue Weakness
The sharp 2025 revenue decline raises questions about how consistently the bank can sustain its earnings base across changing operating conditions. Strong margins provide some protection, but weaker top-line momentum could limit growth, reduce operating leverage, and make future profitability more dependent on cost control.
Takeover And Integration Uncertainty
UniCredit’s significant voting-rights position creates an unresolved strategic issue that could distract management and affect the bank’s priorities, governance, and execution. Prolonged uncertainty may also complicate planning for clients, employees, and minority shareholders over the coming quarters.
Deposit Competition Pressure
More aggressive pricing for deposits can raise funding costs and compress liability margins, directly challenging net interest income. Continued customer migration toward higher-rate products may also make deposit retention more expensive, reducing the benefit of otherwise strong lending and franchise growth.
ZZMS FAQ
What was Commerzbank AG’s price range in the past 12 months?
What is Commerzbank AG’s market cap?
When is Commerzbank AG’s upcoming earnings report date?
How were Commerzbank AG’s earnings last quarter?
Is Commerzbank AG overvalued?
Does Commerzbank AG pay dividends?
What is Commerzbank AG’s EPS estimate?
How many shares outstanding does Commerzbank AG have?
What happened to Commerzbank AG’s price movement after its last earnings report?
Which hedge fund is a major shareholder of Commerzbank AG?
What is the TipRanks Smart Score and how is it calculated?
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 (ZZMS) Earnings & Revenues
ZZMS Company Deck
ZZMS Earnings Call
Earnings Call SentimentPositive
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.
View all DE:ZZMS earnings summariesTechnical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 9 | 4 | 8 |
| Technical Analysis | 2 | 4 | 3 |
| Moving Averages | 7 | 0 | 5 |
