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Komercni Banka A.S.
Buy, Hold or Sell?

Let's analyze Komercni Banka A.S. together

I guess you are interested in Komercni Banka A.S.. Buy, hold or sell? I don't know! However, I do recommend doing research before doing anything. I will help you with that.

I'm going to help you getting a better view of Komercni Banka A.S.. At the end you don't have to ask anyone for trading advice. You can make your own decision, with more confidence, the odds in your favor, backed by data.

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1. Quick Overview

1.1. Quick analysis of Komercni Banka A.S. (30 sec.)










1.2. What can you expect buying and holding a share of Komercni Banka A.S.? (30 sec.)

How much money do you get?

How much money do you get?
Kč10.16
When do you have the money?
1 year
How often do you get paid?
90.0%

What is your share worth?

Current worth
Kč679.27
Expected worth in 1 year
Kč781.97
How sure are you?
100.0%

+ What do you gain per year?

Total Gains per Share
Kč341.83
Return On Investment
41.0%

For what price can you sell your share?

Current Price per Share
Kč834.00
Expected price per share
Kč778.00 - Kč
How sure are you?
50%
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2. Detailed Analysis

2.1. Valuation of Komercni Banka A.S. (5 min.)




Live pricePrice per Share (EOD)
Kč834.00
Intrinsic Value Per Share
Kč-2,195.10 - Kč-1.03
Total Value Per Share
Kč-1,515.83 - Kč678.24

2.2. Growth of Komercni Banka A.S. (5 min.)




Is Komercni Banka A.S. growing?

Current yearPrevious yearGrowGrow %
How rich?$5.4b$5.2b$206m3.8%

How much money is Komercni Banka A.S. making?

Current yearPrevious yearGrowGrow %
Making money$663.5m$746.1m-$82.6m-12.5%
Net Profit Margin43.2%45.5%--

How much money comes from the company's main activities?

2.3. Financial Health of Komercni Banka A.S. (5 min.)




2.4. Comparing to competitors in the Banks - Regional industry (5 min.)




  Industry Rankings (Banks - Regional)  

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3. Summary and Key Metrics

3.1. What can you expect buying and holding a share of Komercni Banka A.S.?

Welcome investor! Komercni Banka A.S.'s management wants to use your money to grow the business. In return you get a share of Komercni Banka A.S..

First you should know what it really means to hold a share of Komercni Banka A.S.. And how you can make/lose money.

Speculation

The Price per Share of Komercni Banka A.S. is Kč834.00. The market price reflects what other people think it is worth; not what it's really worth. Your job is to find out if the market price is fair, overpriced, or underpriced. I will help you with that.

If you buy blind, there is a 50% chance of making or losing money by selling the stock in the future. However, we can look at a few things to determine the odds in our favor:

  • The fundamentals: the financial health trends of Komercni Banka A.S..
  • The technials: based on market psychology, we can make a calculated estimate of what the price will do in the future. We can do this through technical analysis. We can calculate the probabilities and the expected value (millionaire math). That's called speculation.
  • The book value: what is the market price compared to it's book value.

Investing

If you really want to invest in Komercni Banka A.S., you will have to let go of the thought of selling in the future. If you have to sell the share for less than you bought it, it can still be a good investment. Focus on what it means to hold the stock forever:

  • You own a part of the company. The equity of this part can grow or shrink. The current Book Value per Share is Kč679.27. Based on the TTM, the Book Value Change Per Share is Kč25.68 per quarter. Based on the YOY, the Book Value Change Per Share is Kč-17.72 per quarter.
  • You may receive quarterly/yearly dividend in the form of additional shares.
  • You may receive quarterly/yearly dividend in the form of cash. Based on the TTM the Dividend per Share is Kč59.78 per quarter.
Based on historical numbers we can estimate the returns while holding a share of Komercni Banka A.S..

How much money are you going to get?

 MRQTTMYOY5Y10Y
 % of Price per Share% of Price per Share% of Price per Share% of Price per Share% of Price per Share
Usd Eps3.510.4%3.510.4%3.950.5%3.100.4%3.110.4%
Usd Book Value Change Per Share1.090.1%1.090.1%-0.75-0.1%1.120.1%0.710.1%
Usd Dividend Per Share2.540.3%2.540.3%4.270.5%2.000.2%2.090.3%
Usd Total Gains Per Share3.630.4%3.630.4%3.520.4%3.120.4%2.800.3%
Usd Price Per Share30.79-30.79-27.84-32.31-68.59-
Price to Earnings Ratio8.76-8.76-7.05-11.08-23.22-
Price-to-Total Gains Ratio8.48-8.48-7.92-10.81-30.41-
Price to Book Ratio1.07-1.07-1.00-1.19-2.78-
Price-to-Total Gains Ratio8.48-8.48-7.92-10.81-30.41-

When do you get the money?

Usd Investment
$.00
Usd Price Per Share35.445
Number of shares28
Gains per QuarterTrailing 12 Months5 Year
Usd Dividend Per Share2.542.00
Usd Book Value Change Per Share1.091.12
Usd Total Gains Per Share3.633.12
Gains per Quarter (28 shares)101.6987.33
Gains per Year (28 shares)406.77349.34
YearsReturn on Investment (TTM)Return on Investment (5Y)
 DividendBook Value gainTotal gainsDividendBook Value gainTotal gains
Broker costs---10---10
1285122397224126339
2569244804447252688
385436712116713771037
4113848916188945031386
51423611202511186291735
61707733243213417552084
71992856283915658812433
822769783246178810062782
9256111003653201211323131
10284612224060223512583480

How sure are you?

Based on the past periods, how sure are you to get value out of your investment.

Linear %
 Trailing 12 Months3Y5 Year10 YearALLTIME
  % % % % %
Earnings Per Share1.00.00.0100.0%3.00.00.0100.0%5.00.00.0100.0%10.00.00.0100.0%19.00.00.0100.0%
Book Value Change Per Share1.00.00.0100.0%2.01.00.066.7%4.01.00.080.0%6.04.00.060.0%13.06.00.068.4%
Dividend per Share1.00.00.0100.0%3.00.00.0100.0%4.00.01.080.0%9.00.01.090.0%18.00.01.094.7%
Total Gains per Share1.00.00.0100.0%3.00.00.0100.0%5.00.00.0100.0%10.00.00.0100.0%19.00.00.0100.0%
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3.2. Key Performance Indicators

The key performance indicators of Komercni Banka A.S. compared to the Most Recent Quarter (MRQ).

 End of day+/-Most Recent QuarterTrailing 12 Months+/-Year-Over-Year+/-5 Year+/-10 Year+/-
Book Value Change Per Share--25.67625.6760%-17.722+169%26.428-3%16.810+53%
Book Value Per Share--679.269679.2690%653.593+4%639.846+6%597.806+14%
Current Ratio----0%2.765-100%8.082-100%12.792-100%
Debt To Asset Ratio--0.9150.9150%0.905+1%0.904+1%0.897+2%
Debt To Equity Ratio--11.09911.0990%9.822+13%9.675+15%9.095+22%
Dividend Per Share--59.78159.7810%100.442-40%46.963+27%49.178+22%
Eps--82.66682.6660%92.960-11%73.021+13%73.156+13%
Free Cash Flow Per Share---76.471-76.4710%-172.226+125%-41.061-46%-0.033-100%
Free Cash Flow To Equity Per Share---76.471-76.4710%-89.793+17%-29.459-61%-38.140-50%
Gross Profit Margin--1.0001.0000%0.950+5%0.944+6%0.938+7%
Intrinsic Value_10Y_max---1.033--------
Intrinsic Value_10Y_min---2195.095--------
Intrinsic Value_1Y_max---0.049--------
Intrinsic Value_1Y_min---120.076--------
Intrinsic Value_3Y_max---0.188--------
Intrinsic Value_3Y_min---449.432--------
Intrinsic Value_5Y_max---0.378--------
Intrinsic Value_5Y_min---873.424--------
Market Cap157505904000.000+13%136826172000.000136826172000.0000%123700680000.000+11%143568331200.000-5%304775812800.000-55%
Net Profit Margin--0.4320.4320%0.455-5%0.405+7%0.425+2%
Operating Margin----0%2.230-100%0.728-100%0.762-100%
Operating Ratio----0%0.415-100%0.372-100%0.408-100%
Pb Ratio1.228+13%1.0671.0670%1.002+6%1.193-11%2.780-62%
Pe Ratio10.089+13%8.7648.7640%7.046+24%11.082-21%23.218-62%
Price Per Share834.000+13%724.500724.5000%655.000+11%760.200-5%1613.800-55%
Price To Free Cash Flow Ratio-10.906-15%-9.474-9.4740%-3.803-60%-114.927+1113%-26.015+175%
Price To Total Gains Ratio9.759+13%8.4788.4780%7.918+7%10.812-22%30.412-72%
Quick Ratio----0%2.765-100%8.082-100%12.792-100%
Return On Assets--0.0100.0100%0.013-24%0.011-6%0.013-19%
Return On Equity--0.1250.1250%0.146-15%0.117+6%0.127-2%
Total Gains Per Share--85.45785.4570%82.719+3%73.390+16%65.987+30%
Usd Book Value--5452070000.0005452070000.0000%5245987500.000+4%5135649000.000+6%4798220250.000+14%
Usd Book Value Change Per Share--1.0911.0910%-0.753+169%1.123-3%0.714+53%
Usd Book Value Per Share--28.86928.8690%27.778+4%27.193+6%25.407+14%
Usd Dividend Per Share--2.5412.5410%4.269-40%1.996+27%2.090+22%
Usd Eps--3.5133.5130%3.951-11%3.103+13%3.109+13%
Usd Free Cash Flow---613785000.000-613785000.0000%-1382355000.000+125%-329570500.000-46%-267750.000-100%
Usd Free Cash Flow Per Share---3.250-3.2500%-7.320+125%-1.745-46%-0.001-100%
Usd Free Cash Flow To Equity Per Share---3.250-3.2500%-3.816+17%-1.252-61%-1.621-50%
Usd Market Cap6694000920.000+13%5815112310.0005815112310.0000%5257278900.000+11%6101654076.000-5%12952972044.000-55%
Usd Price Per Share35.445+13%30.79130.7910%27.838+11%32.309-5%68.587-55%
Usd Profit--663510000.000663510000.0000%746130000.000-11%586092000.000+13%587175750.000+13%
Usd Revenue--1534462500.0001534462500.0000%1640032500.000-6%1429734000.000+7%1377046750.000+11%
Usd Total Gains Per Share--3.6323.6320%3.516+3%3.119+16%2.804+30%
 EOD+5 -3MRQTTM+0 -0YOY+19 -175Y+18 -1810Y+19 -17

3.3 Fundamental Score

Let's check the fundamental score of Komercni Banka A.S. based on Penke's default stock scanner.

Penke's Stock Scanner

  
  
IndicatorConditionValue
Price to Earnings Ratio (EOD)Between0-1510.089
Price to Book Ratio (EOD)Between0-11.228
Net Profit Margin (MRQ)Greater than00.432
Operating Margin (MRQ)Greater than00.000
Quick Ratio (MRQ)Greater than10.000
Current Ratio (MRQ)Greater than10.000
Debt to Asset Ratio (MRQ)Less than10.915
Debt to Equity Ratio (MRQ)Less than111.099
Return on Equity (MRQ)Greater than0.150.125
Return on Assets (MRQ)Greater than0.050.010
Total3/10 (30.0%)

3.4 Technical Score

Let's check the technical score of Komercni Banka A.S. based on Penke's default Symbol scanner.

Penke's Symbol Scanner

  
  
IndicatorConditionValue
RsiGreater than5072.059
Ma 20Greater thanMa 50810.225
Ma 50Greater thanMa 100790.310
Ma 100Greater thanMa 200784.725
OpenGreater thanClose829.000
Total4/5 (80.0%)

4. In-depth Analysis

4.1 About Komercni Banka A.S.

Komercní banka, a.s., together with its subsidiaries, provides various retail, corporate, and investment banking services primarily in the Czech Republic, and Central and Eastern Europe. The company operates through Retail Banking, Corporate Banking, and Investment Banking segments. It accepts various deposits, such as current and savings accounts, term deposits, building savings, and foreign currency accounts. The company's loan products include optimal, personal, student, and home equity/secured loans; loans for start-up businesses, business loans, business operating loans, and revolving loans; operational, installment, claims, and structured finance, as well as finances for acquisitions and mergers; and mortgage loans. It also offers payment, debit, and credit cards; investment products; private banking services; syndicated and export financing services; life, travel and card, and property insurance products; pension products; overdraft, trade and export, bond issuance, cash and payment, cash pooling, bills of exchange, financial instruments trading, leases, foreign currency and derivative, and guarantee transaction services. In addition, the company provides e-banking, telephone, and mobile banking services. It serves individuals, small businesses, corporates, and municipalities. The company was founded in 1990 and is headquartered in Prague, the Czech Republic. Komercní banka, a.s. operates as a subsidiary of Société Générale Société anonyme.

Fundamental data was last updated by Penke on 2024-10-30 19:03:03.

4.2 In-depth Summary

4.2.1. Financial Health Summary

Profitability Details
 Compared to previous yearCompared to industry
The company is making a huge profit.
Using its assets, the company is less efficient in making profit.
Using its investors money, the company is less efficient in making profit.
Operating Efficiency Details
 Compared to previous yearCompared to industry
Liquidity Details
 Compared to previous yearCompared to industry
Solvency Details
 Compared to previous yearCompared to industry
The company is just able to pay all its debts by selling its assets.
The company is unable to pay all its debts with equity.

4.2.2. Valuation Summary

Valuation Details
 Compared to previous yearCompared to industry
Based on the equity, the company is underpriced.
Based on the earnings, the company is underpriced.
Based on how much money comes from the company's main activities, the company is expensive.
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4.3 Financial Health

4.3.1. Profitability

4.3.1 Profitability
4.3.1.1. Net Profit Margin

Measures how much net profit Komercni Banka A.S. earns for each Kč1 of revenue.

  • Above 10% is considered healthy but always compare Komercni Banka A.S. to the Banks - Regional industry mean.
  • A Net Profit Margin of 43.2% means that Kč0.43 for each Kč1 in revenue is generated as profit.

Let's take a look of the Net Profit Margin trends of Komercni Banka A.S.:

  • The MRQ is 43.2%. The company is making a huge profit. +2
  • The TTM is 43.2%. The company is making a huge profit. +2
Trends
Current periodCompared to+/- 
MRQ43.2%TTM43.2%0.0%
TTM43.2%YOY45.5%-2.3%
TTM43.2%5Y40.5%+2.7%
5Y40.5%10Y42.5%-1.9%
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ43.2%28.6%+14.6%
TTM43.2%30.5%+12.7%
YOY45.5%27.5%+18.0%
5Y40.5%23.9%+16.6%
10Y42.5%20.7%+21.8%
4.3.1.2. Return on Assets

Shows how efficient Komercni Banka A.S. is using its assets to generate profit.

  • Above 5% is considered healthy but always compare Komercni Banka A.S. to the Banks - Regional industry mean.
  • 1.0% Return on Assets means that Komercni Banka A.S. generated Kč0.01 profit for each $1 in assets.

Let's take a look of the Return on Assets trends of Komercni Banka A.S.:

  • The MRQ is 1.0%. Using its assets, the company is less efficient in making profit.
  • The TTM is 1.0%. Using its assets, the company is less efficient in making profit.
Trends
Current periodCompared to+/- 
MRQ1.0%TTM1.0%0.0%
TTM1.0%YOY1.3%-0.3%
TTM1.0%5Y1.1%-0.1%
5Y1.1%10Y1.3%-0.2%
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ1.0%0.2%+0.8%
TTM1.0%0.2%+0.8%
YOY1.3%0.2%+1.1%
5Y1.1%0.2%+0.9%
10Y1.3%0.2%+1.1%
4.3.1.3. Return on Equity

Shows how efficient Komercni Banka A.S. is using its investors money to generate profit.

  • Above 15%-20% is considered healthy but always compare Komercni Banka A.S. to the Banks - Regional industry mean.
  • 12.5% Return on Equity means Komercni Banka A.S. generated Kč0.12 for each Kč1 the owners (shareholders) invested.

Let's take a look of the Return on Equity trends of Komercni Banka A.S.:

  • The MRQ is 12.5%. Using its investors money, the company is less efficient in making profit.
  • The TTM is 12.5%. Using its investors money, the company is less efficient in making profit.
Trends
Current periodCompared to+/- 
MRQ12.5%TTM12.5%0.0%
TTM12.5%YOY14.6%-2.1%
TTM12.5%5Y11.7%+0.7%
5Y11.7%10Y12.7%-1.0%
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ12.5%2.3%+10.2%
TTM12.5%2.6%+9.9%
YOY14.6%2.8%+11.8%
5Y11.7%2.4%+9.3%
10Y12.7%2.8%+9.9%
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4.3.2. Operating Efficiency of Komercni Banka A.S..

4.3.2. Operating Efficiency
4.3.2.1. Operating Margin

Measures how efficient Komercni Banka A.S. is operating .

  • Measures how much profit Komercni Banka A.S. makes for each Kč1 of sales after paying variable costs (production costs, wages, etc) but before taxes.
  • Above 15% is considered healthy but always compare Komercni Banka A.S. to the Banks - Regional industry mean.
  • An Operating Margin of 0.0% means the company generated Kč0.00  for each Kč1 in revenue (before taxes).

Let's take a look of the Operating Margin trends of Komercni Banka A.S.:

  • The MRQ is 0.0%. The data is not here.
Trends
Current periodCompared to+/- 
MRQ-TTM-0.0%
TTM-YOY223.0%-223.0%
TTM-5Y72.8%-72.8%
5Y72.8%10Y76.2%-3.4%
4.3.2.2. Operating Ratio

Measures how efficient Komercni Banka A.S. is keeping operating costs low.

  • Below 1 is considered healthy (always compare to Banks - Regional industry mean).
  • An Operation Ratio of 0.00 means that the operating costs are Kč0.00 for each Kč1 in net sales.

Let's take a look of the Operating Ratio trends of Komercni Banka A.S.:

  • The MRQ is 0.000. The data is not here.
Trends
Current periodCompared to+/- 
MRQ-TTM-0.000
TTM-YOY0.415-0.415
TTM-5Y0.372-0.372
5Y0.37210Y0.408-0.036
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4.4.3. Liquidity of Komercni Banka A.S..

4.4.3. Liquidity
4.4.3.1. Current Ratio

Measures if Komercni Banka A.S. is able to pay off Short-term Debt.

  • Above 1.5 is considered healthy (always compare to Banks - Regional industry mean).
  • A Current Ratio of 0.00 means the company has Kč0.00 in assets for each Kč1 in short-term debts.

Let's take a look of the Current Ratio trends of Komercni Banka A.S.:

  • The MRQ is 0.000. The data is not here.
Trends
Current periodCompared to+/- 
MRQ-TTM-0.000
TTM-YOY2.765-2.765
TTM-5Y8.082-8.082
5Y8.08210Y12.792-4.710
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
TTM-3.684-3.684
YOY2.7651.484+1.281
5Y8.0821.126+6.956
10Y12.79212.007+0.785
4.4.3.2. Quick Ratio

Measures if Komercni Banka A.S. is able to pay off Short-term Debt but only using the most liquid assets.

  • Above 1 is considered healthy but always compare Komercni Banka A.S. to the Banks - Regional industry mean.
  • A Quick Ratio of 0.00 means the company can pay off Kč0.00 for each Kč1 in debt (using most liquid assets).

Let's take a look of the Quick Ratio trends of Komercni Banka A.S.:

  • The MRQ is 0.000. The data is not here.
Trends
Current periodCompared to+/- 
MRQ-TTM-0.000
TTM-YOY2.765-2.765
TTM-5Y8.082-8.082
5Y8.08210Y12.792-4.710
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
TTM-1.493-1.493
YOY2.7651.485+1.280
5Y8.0820.695+7.387
10Y12.79218.305-5.513
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4.5.4. Solvency of Komercni Banka A.S..

4.5.4. Solvency
4.5.4.1. Debt to Asset Ratio

Measures how much % of Komercni Banka A.S. assets are financed with debt.

  • Below 1 (100%) is considered healthy but always compare Komercni Banka A.S. to Banks - Regional industry mean.
  • A Debt to Asset Ratio of 0.92 means that Komercni Banka A.S. assets are financed with 91.5% credit (debt) and the remaining percentage (100% - 91.5%) is financed by its owners/shareholders. 

Let's take a look of the Debt to Asset Ratio trends of Komercni Banka A.S.:

  • The MRQ is 0.915. The company is just able to pay all its debts by selling its assets.
  • The TTM is 0.915. The company is just able to pay all its debts by selling its assets.
Trends
Current periodCompared to+/- 
MRQ0.915TTM0.9150.000
TTM0.915YOY0.905+0.010
TTM0.9155Y0.904+0.012
5Y0.90410Y0.897+0.006
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ0.9150.916-0.001
TTM0.9150.525+0.390
YOY0.9050.526+0.379
5Y0.9040.762+0.142
10Y0.8970.847+0.050
4.5.4.2. Debt to Equity Ratio

Measures if Komercni Banka A.S. is able to pay off its debts by using shareholders equity.

  • Below 2 is considered healthy but always compare Komercni Banka A.S. to the Banks - Regional industry mean.
  • A Debt to Equity ratio of 1,109.9% means that company has Kč11.10 debt for each Kč1 in shareholders equity.

Let's take a look of the Debt to Equity Ratio trends of Komercni Banka A.S.:

  • The MRQ is 11.099. The company is unable to pay all its debts with equity. -1
  • The TTM is 11.099. The company is unable to pay all its debts with equity. -1
Trends
Current periodCompared to+/- 
MRQ11.099TTM11.0990.000
TTM11.099YOY9.822+1.277
TTM11.0995Y9.675+1.424
5Y9.67510Y9.095+0.579
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ11.09910.941+0.158
TTM11.0996.545+4.554
YOY9.8226.424+3.398
5Y9.6759.403+0.272
10Y9.09511.740-2.645
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4.6. Market Valuation

4.6.1. Earnings Per Share
4.6.2.1. Price to Earnings Ratio

Measures how much money you pay for each share for every Kč1 in earnings Komercni Banka A.S. generates.

  • Above 15 is considered overpriced but always compare Komercni Banka A.S. to the Banks - Regional industry mean.
  • A PE ratio of 8.76 means the investor is paying Kč8.76 for every Kč1 in earnings.

Let's take a look of the Price to Earnings Ratio trends of Komercni Banka A.S.:

  • The EOD is 10.089. Based on the earnings, the company is underpriced. +1
  • The MRQ is 8.764. Based on the earnings, the company is underpriced. +1
  • The TTM is 8.764. Based on the earnings, the company is underpriced. +1
Trends
Current periodCompared to+/- 
EOD10.089MRQ8.764+1.325
MRQ8.764TTM8.7640.000
TTM8.764YOY7.046+1.718
TTM8.7645Y11.082-2.318
5Y11.08210Y23.218-12.136
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
EOD10.0895.194+4.895
MRQ8.7644.498+4.266
TTM8.7644.602+4.162
YOY7.0465.644+1.402
5Y11.0829.300+1.782
10Y23.2189.643+13.575
4.6.2.2. Price To Free Cash Flow Ratio

Let's take a look of the Price To Free Cash Flow Ratio trends of Komercni Banka A.S.:

  • The EOD is -10.906. Based on how much money comes from the company's main activities, the company is expensive. -2
  • The MRQ is -9.474. Based on how much money comes from the company's main activities, the company is expensive. -2
  • The TTM is -9.474. Based on how much money comes from the company's main activities, the company is expensive. -2
Trends
Current periodCompared to+/- 
EOD-10.906MRQ-9.474-1.432
MRQ-9.474TTM-9.4740.000
TTM-9.474YOY-3.803-5.671
TTM-9.4745Y-114.927+105.453
5Y-114.92710Y-26.015-88.913
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
EOD-10.9060.422-11.328
MRQ-9.4740.366-9.840
TTM-9.474-0.773-8.701
YOY-3.8030.081-3.884
5Y-114.9270.389-115.316
10Y-26.0150.041-26.056
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4.6.2. Book Value per Share
4.6.2.1. Price to Book Ratio

Measures if the stock price of Komercni Banka A.S. is to cheap or to expensive compared to its book value.

  • At or below 1 is considered healthy (always compare to Banks - Regional industry mean).
  • A PB ratio of 1.07 means the investor is paying Kč1.07 for each Kč1 in book value.

Let's take a look of the Price to Book Ratio trends of Komercni Banka A.S.:

  • The EOD is 1.228. Based on the equity, the company is underpriced. +1
  • The MRQ is 1.067. Based on the equity, the company is underpriced. +1
  • The TTM is 1.067. Based on the equity, the company is underpriced. +1
Trends
Current periodCompared to+/- 
EOD1.228MRQ1.067+0.161
MRQ1.067TTM1.0670.000
TTM1.067YOY1.002+0.064
TTM1.0675Y1.193-0.126
5Y1.19310Y2.780-1.587
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
EOD1.2280.472+0.756
MRQ1.0670.409+0.658
TTM1.0670.240+0.827
YOY1.0020.306+0.696
5Y1.1930.649+0.544
10Y2.7800.920+1.860
4.6.2. Total Gains per Share
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6. Financial Statements




6.1. Latest Balance Sheet

Balance Sheet of 2023-12-31. Currency in CZK. All numbers in thousands.

Summary
Total Assets1,516,302,000
Total Liabilities1,388,018,000
Total Stockholder Equity125,058,000
 As reported
Total Liabilities 1,388,018,000
Total Stockholder Equity+ 125,058,000
Total Assets = 1,516,302,000

Assets

Total Assets1,516,302,000
Total Current Assets0
Long-term Assets0
Total Current Assets
Cash And Cash Equivalents 12,835,000
Total Current Assets  (as reported)0
Total Current Assets  (calculated)12,835,000
+/- 12,835,000
Long-term Assets
Property Plant Equipment 8,034,000
Goodwill 3,752,000
Long Term Investments 54,724,000
Intangible Assets 10,192,000
Long-term Assets  (as reported)0
Long-term Assets  (calculated)76,702,000
+/- 76,702,000

Liabilities & Shareholders' Equity

Total Current Liabilities0
Long-term Liabilities0
Total Stockholder Equity125,058,000
Total Current Liabilities
Accounts payable 6,822,000
Total Current Liabilities  (as reported)0
Total Current Liabilities  (calculated)6,822,000
+/- 6,822,000
Long-term Liabilities
Long-term Liabilities  (as reported)0
Long-term Liabilities  (calculated)0
+/-0
Total Stockholder Equity
Total Stockholder Equity (as reported)125,058,000
Total Stockholder Equity (calculated)0
+/- 125,058,000
Other
Capital Stock19,005,000
Common Stock Shares Outstanding 188,856
Net Debt 64,156,000
Net Invested Capital 202,049,000
Property Plant and Equipment Gross 19,155,000



6.2. Balance Sheets Structured

Currency in CZK. All numbers in thousands.

 Trend2023-12-312022-12-312021-12-312020-12-312019-12-312018-12-312017-12-312016-12-312015-12-312014-12-312013-12-312012-12-312011-12-312010-12-312009-12-312008-12-312007-12-312006-12-312005-12-31
> Total Assets 
513,855,963
597,555,000
661,819,000
699,044,000
695,036,000
698,014,000
754,810,000
786,836,000
863,980,000
953,261,000
891,556,000
922,737,000
1,004,039,000
1,059,932,000
1,077,334,000
1,167,131,000
1,244,353,000
1,304,063,000
1,516,302,000
1,516,302,0001,304,063,0001,244,353,0001,167,131,0001,077,334,0001,059,932,0001,004,039,000922,737,000891,556,000953,261,000863,980,000786,836,000754,810,000698,014,000695,036,000699,044,000661,819,000597,555,000513,855,963
   > Total Current Assets 
256,112,990
15,234,000
12,476,000
14,926,000
16,535,000
13,776,000
17,017,000
53,220,000
60,777,000
168,852,000
146,359,000
135,127,000
54,467,000
24,999,000
18,031,000
23,694,000
29,951,000
15,407,000
0
015,407,00029,951,00023,694,00018,031,00024,999,00054,467,000135,127,000146,359,000168,852,00060,777,00053,220,00017,017,00013,776,00016,535,00014,926,00012,476,00015,234,000256,112,990
       Cash And Cash Equivalents 
256,112,990
15,000,000
10,957,000
13,961,000
16,271,000
13,689,000
16,980,000
52,780,000
60,453,000
168,516,000
145,720,000
134,806,000
53,242,000
24,851,000
17,744,000
23,547,000
29,947,000
14,190,000
12,835,000
12,835,00014,190,00029,947,00023,547,00017,744,00024,851,00053,242,000134,806,000145,720,000168,516,00060,453,00052,780,00016,980,00013,689,00016,271,00013,961,00010,957,00015,000,000256,112,990
       Net Receivables 
0
234,000
1,519,000
965,000
264,000
87,000
37,000
440,000
324,000
336,000
639,000
321,000
1,225,000
148,000
287,000
147,000
4,000
1,217,000
0
01,217,0004,000147,000287,000148,0001,225,000321,000639,000336,000324,000440,00037,00087,000264,000965,0001,519,000234,0000
   > Long-term Assets 
68,530,982
117,902,000
133,765,000
171,894,000
174,043,000
187,618,000
202,115,000
247,794,000
227,785,000
255,631,000
189,455,000
183,780,000
147,838,000
147,513,000
94,126,000
105,479,000
136,198,000
1,283,697,000
0
01,283,697,000136,198,000105,479,00094,126,000147,513,000147,838,000183,780,000189,455,000255,631,000227,785,000247,794,000202,115,000187,618,000174,043,000171,894,000133,765,000117,902,00068,530,982
       Property Plant Equipment 
7,866,000
8,017,000
8,002,000
8,000,000
7,729,000
7,072,000
6,934,000
7,994,000
7,872,000
7,666,000
6,844,000
6,666,000
7,404,000
7,676,000
10,528,000
9,758,000
8,983,000
8,762,000
8,034,000
8,034,0008,762,0008,983,0009,758,00010,528,0007,676,0007,404,0006,666,0006,844,0007,666,0007,872,0007,994,0006,934,0007,072,0007,729,0008,000,0008,002,0008,017,0007,866,000
       Goodwill 
0
5,806,000
3,551,000
7,102,000
7,102,000
7,102,000
7,504,000
3,752,000
3,752,000
3,752,000
3,752,000
3,752,000
3,752,000
3,752,000
3,752,000
3,752,000
3,752,000
3,752,000
3,752,000
3,752,0003,752,0003,752,0003,752,0003,752,0003,752,0003,752,0003,752,0003,752,0003,752,0003,752,0003,752,0007,504,0007,102,0007,102,0007,102,0003,551,0005,806,0000
       Long Term Investments 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
73,828,000
85,071,000
115,585,000
1,262,153,000
54,724,000
54,724,0001,262,153,000115,585,00085,071,00073,828,00000000000000000
       Intangible Assets 
0
2,383,000
2,954,000
3,504,000
3,723,000
3,756,000
3,848,000
3,913,000
3,772,000
3,758,000
3,867,000
3,886,000
4,684,000
5,249,000
6,018,000
6,898,000
7,878,000
9,030,000
10,192,000
10,192,0009,030,0007,878,0006,898,0006,018,0005,249,0004,684,0003,886,0003,867,0003,758,0003,772,0003,913,0003,848,0003,756,0003,723,0003,504,0002,954,0002,383,0000
       Other Assets 
189,211,990
464,419,000
515,578,000
512,224,000
504,458,000
496,620,000
535,678,000
485,822,000
575,418,000
528,778,000
555,742,000
603,830,000
801,734,000
887,420,000
965,177,000
1,037,958,000
1,078,204,000
4,959,000
0
04,959,0001,078,204,0001,037,958,000965,177,000887,420,000801,734,000603,830,000555,742,000528,778,000575,418,000485,822,000535,678,000496,620,000504,458,000512,224,000515,578,000464,419,000189,211,990
> Total Liabilities 
462,528,999
546,957,000
611,165,000
636,070,000
626,283,000
621,936,000
672,960,000
686,259,000
767,442,000
843,767,000
785,327,000
817,336,000
903,693,000
956,603,000
968,699,000
1,050,073,000
1,117,571,000
1,180,628,000
1,388,018,000
1,388,018,0001,180,628,0001,117,571,0001,050,073,000968,699,000956,603,000903,693,000817,336,000785,327,000843,767,000767,442,000686,259,000672,960,000621,936,000626,283,000636,070,000611,165,000546,957,000462,528,999
   > Total Current Liabilities 
0
7,591,000
5,708,000
5,762,000
3,474,000
3,036,000
6,844,000
4,579,000
4,609,000
5,287,000
6,981,000
6,633,000
7,861,000
3,420,000
2,489,000
1,681,000
1,837,000
5,573,000
0
05,573,0001,837,0001,681,0002,489,0003,420,0007,861,0006,633,0006,981,0005,287,0004,609,0004,579,0006,844,0003,036,0003,474,0005,762,0005,708,0007,591,0000
       Accounts payable 
0
7,591,000
5,708,000
5,762,000
3,474,000
3,036,000
6,844,000
4,579,000
4,609,000
5,287,000
6,981,000
6,633,000
7,861,000
3,420,000
2,489,000
1,681,000
1,837,000
5,573,000
6,822,000
6,822,0005,573,0001,837,0001,681,0002,489,0003,420,0007,861,0006,633,0006,981,0005,287,0004,609,0004,579,0006,844,0003,036,0003,474,0005,762,0005,708,0007,591,0000
   > Long-term Liabilities 
0
30,351,000
33,921,000
30,131,000
24,173,000
23,472,000
24,340,000
30,775,000
52,197,000
60,992,000
31,102,000
18,621,000
13,353,000
5,118,000
9,183,000
6,434,000
18,672,000
5,573,000
0
05,573,00018,672,0006,434,0009,183,0005,118,00013,353,00018,621,00031,102,00060,992,00052,197,00030,775,00024,340,00023,472,00024,173,00030,131,00033,921,00030,351,0000
> Total Stockholder Equity
51,303,007
50,018,000
49,594,000
61,842,000
67,534,000
74,779,000
79,217,000
97,808,000
93,659,000
106,363,000
102,413,000
101,570,000
96,549,000
99,931,000
105,540,000
113,816,000
123,509,000
120,203,000
125,058,000
125,058,000120,203,000123,509,000113,816,000105,540,00099,931,00096,549,000101,570,000102,413,000106,363,00093,659,00097,808,00079,217,00074,779,00067,534,00061,842,00049,594,00050,018,00051,303,007
   Common Stock
0
19,005,000
19,005,000
19,005,000
19,005,000
19,005,000
19,005,000
19,005,000
19,005,000
19,005,000
19,005,000
19,005,000
19,005,000
19,005,000
19,005,000
19,005,000
19,005,000
19,005,000
0
019,005,00019,005,00019,005,00019,005,00019,005,00019,005,00019,005,00019,005,00019,005,00019,005,00019,005,00019,005,00019,005,00019,005,00019,005,00019,005,00019,005,0000
   Retained Earnings Total Equity0000000000000000000
   Accumulated Other Comprehensive Income 0000000000000000000
   Capital Surplus 0000000000000000000
   Treasury Stock0000000000000000000
   Other Stockholders Equity 
0
31,013,000
30,589,000
42,837,000
48,529,000
55,774,000
60,212,000
78,803,000
74,654,000
87,358,000
83,408,000
82,565,000
77,544,000
80,926,000
86,535,000
94,811,000
104,504,000
101,198,000
0
0101,198,000104,504,00094,811,00086,535,00080,926,00077,544,00082,565,00083,408,00087,358,00074,654,00078,803,00060,212,00055,774,00048,529,00042,837,00030,589,00031,013,0000



6.3. Balance Sheets

Currency in CZK. All numbers in thousands.




6.4. Cash Flows

Currency in CZK. All numbers in thousands.