Commerzbank AGXSWX:CBK 57 Return-on-Tangible-Equity is 11.24% as of Mar. 2026, which is 294% above its 10-year median of 2.85. 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 1,522 Banks companies, Commerzbank AG ranks worse than 66.82% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. Commerzbank AG's annualized net income for the quarter that ended in Mar. 2026 was CHF3,324 Mil. Commerzbank AG's average shareholder tangible equity for the quarter that ended in Mar. 2026 was CHF29,579 Mil. Therefore, Commerzbank AG's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 11.24%.
The historical rank and industry rank for Commerzbank AG's Return-on-Tangible-Equity or its related term are showing as below:
XSWX:CBK'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: -11 Med: 2.85 Max: 8.46
Current: 8.35
During the past 13 years, Commerzbank AG's highest Return-on-Tangible-Equity was 8.46%. The lowest was -11.00%. And the median was 2.85%.
XSWX:CBK's Return-on-Tangible-Equity is ranked worse than 66.82% of 1522
companies
in the Banks industry
Industry Median: 11.24
vs XSWX:CBK: 8.35
Commerzbank AG (XSWX:CBK) Return-on-Tangible-Equity Explanation
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
Commerzbank AG Return-on-Tangible-Equity Related Terms
Commerzbank AG Return-on-Tangible-Equity Historical Data
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The historical data trend for Commerzbank AG's Return-on-Tangible-Equity 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.
XSWX:CBK vs PNC: Return-on-Tangible-Equity Comparison
For the Banks - Regional subindustry, Commerzbank AG's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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 Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Commerzbank AG's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Commerzbank AG's Return-on-Tangible-Equity 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.
In the calculation of annual Return-on-Tangible-Equity, the net income of the last fiscal year and the average total shareholder tangible equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Mar. 2026) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 11.24% mean?
Commerzbank AG (XSWX:CBK) has a Return-on-Tangible-Equity of 11.24% as of Mar. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Commerzbank AG and its competitors. This is 294% above median its historical median of 2.85. According to the industry distribution chart, Commerzbank AG ranks #1017 out of 1522 companies in the Banks industry, placing it in the top 66.8%.
Is Commerzbank AG's Return-on-Tangible-Equity too high?
Commerzbank AG's current Return-on-Tangible-Equity of 11.24% is 294% above median its 10-year median of 2.85. The Banks industry median Return-on-Tangible-Equity is 11.24. Commerzbank AG's value of 11.24% is 0% at this industry median. Based on the distribution chart, Commerzbank AG ranks #1017 out of 1522 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 Return-on-Tangible-Equity compare to PNC?
According to the Banks industry distribution chart, Commerzbank AG ranks #1017 out of 1522 companies for Return-on-Tangible-Equity. This places Commerzbank AG in the lower half of its industry. The industry median Return-on-Tangible-Equity is 11.24. Commerzbank AG's value of 11.24% is 0% at this benchmark. While the company's 10-year median is 2.85 vs. the industry median of 11.24, Commerzbank AG has consistently been at 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 Return-on-Tangible-Equity for a Banks company?
The median Return-on-Tangible-Equity among Banks companies is 11.24, based on 1,522 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Commerzbank AG's current Return-on-Tangible-Equity of 11.24% is 0% at 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 Return-on-Tangible-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Commerzbank AG and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.24 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Commerzbank AG's current Return-on-Tangible-Equity is 11.24%, which is 294% above median its own 10-year median of 2.85. 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 Return-on-Tangible-Equity is 11.24%, which is 294% above median its 10-year median of 2.85 and 0% at the Banks industry median of 11.24. 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 Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For Commerzbank AG (XSWX:CBK), the current Return-on-Tangible-Equity is 11.24% 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:
Return-on-Tangible-Equity: 11.24% (294% above median its 10-year median of 2.85)
GF Value™: CHF5.05 vs. price of CHF34.88 (590.7% above fair value)
Industry Position: 0% at the Banks median (#1017 of 1522)
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
Get the complete analysis for XSWX:CBK
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