Commerzbank AGXSWX:CBK 57 Net Margin % is 28.37% as of Mar. 2026, which is 240% above its 10-year median of 8.34. GuruFocus rates XSWX:CBK with a GF Score™ of 57/100 and a GF Value™ of CHF5.05 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,527 Banks companies, Commerzbank AG ranks worse than 69.29% on this metric.
Net margin is calculated as Net Income divided by its Revenue. Commerzbank AG's Net Income for the
three
months ended in Mar. 2026 was CHF831 Mil. Commerzbank AG's Revenue for the
three
months ended in Mar. 2026 was CHF2,929 Mil. Therefore, Commerzbank AG's net margin for the quarter that ended in Mar. 2026 was 28.37%.
The historical rank and industry rank for Commerzbank AG's Net Margin % or its related term are showing as below:
XSWX:CBK'
s Net Margin % Range Over the Past 10 Years
Min: -32.77 Med: 8.34 Max: 21.66
Current: 20.66
XSWX:CBK's Net Margin % is ranked worse than 69.29% of 1527
companies
in the Banks industry
Industry Median: 26.95
vs XSWX:CBK: 20.66
Commerzbank AG (XSWX:CBK) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Commerzbank AG Net Margin % Related Terms
Commerzbank AG Net Margin % Historical Data
* Premium members only.
The historical data trend for Commerzbank AG's Net Margin % can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Banks - Regional subindustry, Commerzbank AG's Net Margin %, along with its competitors' market caps and Net Margin % data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Commerzbank AG Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Commerzbank AG's Net Margin % distribution charts can be found below:
* The bar in red indicates where Commerzbank AG's Net Margin % falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Commerzbank AG (XSWX:CBK) has a Net Margin % of 28.37% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Commerzbank AG and its competitors. This is 240% above median its historical median of 8.34. According to the industry distribution chart, Commerzbank AG ranks #1058 out of 1527 companies in the Banks industry, placing it in the top 69.3%.
Is Commerzbank AG's Net Margin % too high?
Commerzbank AG's current Net Margin % of 28.37% is 240% above median its 10-year median of 8.34. The Banks industry median Net Margin % is 26.95. Commerzbank AG's value of 28.37% is 5.3% above this industry median. Based on the distribution chart, Commerzbank AG ranks #1058 out of 1527 companies in the Banks industry, which is below the industry midpoint. Overall, Commerzbank AG has a GF Score™ of 57/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Commerzbank AG's Net Margin % compare to PNC?
According to the Banks industry distribution chart, Commerzbank AG ranks #1058 out of 1527 companies for Net Margin %. This places Commerzbank AG in the lower half of its industry. The industry median Net Margin % is 26.95. Commerzbank AG's value of 28.37% is 5.3% above this benchmark. While the company's 10-year median is 8.34 vs. the industry median of 26.95, Commerzbank AG has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 26.95, based on 1,527 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Commerzbank AG's current Net Margin % of 28.37% is 5.3% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Commerzbank AG and its competitors. For the Banks industry, the median Net Margin % is 26.95 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Commerzbank AG's current Net Margin % is 28.37%, which is 240% above median its own 10-year median of 8.34. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Commerzbank AG stock overvalued right now?
Based on GuruFocus' analysis, Commerzbank AG (XSWX:CBK) is currently considered Significantly Overvalued. The stock's GF Value™ is CHF5.05, compared to a current price of CHF34.88 — trading 590.7% above its estimated fair value. The current Net Margin % is 28.37%, which is 240% above median its 10-year median of 8.34 and 5.3% above the Banks industry median of 26.95. Commerzbank AG's overall GF Score™ is 57/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Commerzbank AG (XSWX:CBK), the current Net Margin % is 28.37% as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Commerzbank AG (XSWX:CBK) Overvalued in 2026?
Based on GuruFocus' analysis, Commerzbank AG stock appears to be overvalued.
The current stock price of CHF34.88 is trading 590.7% above its estimated GF Value™ of CHF5.05.
GuruFocus considers Commerzbank AG to be Significantly Overvalued.
Key valuation signals for XSWX:CBK:
Net Margin %: 28.37% (240% above median its 10-year median of 8.34)
GF Value™: CHF5.05 vs. price of CHF34.88 (590.7% above fair value)
Industry Position: 5.3% above the Banks median (#1058 of 1527)
No single metric tells the full story. See the XSWX:CBK stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Commerzbank operates primarily in Europe. Germany accounts for about 70% of the total income. The bank operates two business segments: private and small-business customers, as well as corporate clients. In its private and small-business segment, the group operates a branch network, a mobile bank focused on the Polish market, an online broker, and an asset manager for physical assets. Its corporate client business provides cash management and trade finance solutions to small and medium-size enterprises and large companies.
57GF Score
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