KOMBK Stock Overview

Provides various retail, corporate, and investment banking services primarily in the Czech Republic, and Central and Eastern Europe. More details

KOMBK fundamental analysis
Snowflake Score
Valuation	2/6
Future Growth	2/6
Past Performance	2/6
Financial Health	5/6
Dividends	4/6

Rewards

Trading at 43.1% below our estimate of its fair value

Earnings are forecast to grow 4.62% per year

Risk Analysis

Shares are highly illiquid

Dividend of 10.48% is either not well covered by earnings currently or not forecast to be covered

My Notes

Capture your thoughts, links and company narrative

Komercní banka, a.s. Competitors

Halyk Bank of Kazakhstan

LSE:HSBK

US$4.9b

TBC Bank Group

LSE:TBCG

UK£1.7b

Bank of Georgia Group

LSE:BGEO

UK£2.0b

Standard Chartered

LSE:STAN

UK£23.6b

Price History & Performance

Summary of share price highs, lows and changes for Komercní banka
Historical stock prices
Current Share Price	Kč800.00
52 Week High	Kč800.00
52 Week Low	Kč800.00
Beta	0.69
1 Month Change	0%
3 Month Change	n/a
1 Year Change	n/a
3 Year Change	n/a
5 Year Change	0.25%
Change since IPO	-10.46%

Recent updates

Shareholder Returns

	KOMBK	GB Banks	GB Market
7D	0%	-1.3%	-2.2%
1Y	n/a	32.4%	2.4%

Return vs Industry: Insufficient data to determine how KOMBK performed against the UK Banks industry.

Return vs Market: Insufficient data to determine how KOMBK performed against the UK Market.

Price Volatility

Is KOMBK's price volatile compared to industry and market?
KOMBK volatility
KOMBK Average Weekly Movement	n/a
Banks Industry Average Movement	3.7%
Market Average Movement	4.8%
10% most volatile stocks in GB Market	10.5%
10% least volatile stocks in GB Market	2.6%

Stable Share Price: KOMBK's share price has been volatile over the past 3 months compared to the UK market.

Volatility Over Time: Insufficient data to determine KOMBK's volatility change over the past year.

About the Company

Founded	Employees	CEO	Website
1990	7,523	Jan Juchelka	www.kb.cz

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.

Komercní banka, a.s. Fundamentals Summary

How do Komercní banka's earnings and revenue compare to its market cap?
KOMBK fundamental statistics
Market cap	Kč149.86b
Earnings (TTM)	Kč13.87b
Revenue (TTM)	Kč34.14b

10.7x

P/E Ratio

1.3x

P/B Ratio

Is KOMBK overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
KOMBK income statement (TTM)
Revenue	Kč34.14b
Cost of Revenue	Kč0
Gross Profit	Kč34.14b
Other Expenses	Kč20.27b
Earnings	Kč13.87b

Last Reported Earnings

Jun 30, 2024

Next Earnings Date

Oct 31, 2024

Earnings per share (EPS)	73.44
Gross Margin	100.00%
Net Profit Margin	40.62%
Debt/Equity Ratio	113.3%

How did KOMBK perform over the long term?

See historical performance and comparison

Dividends

10.5%

Current Dividend Yield

113%

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2024/10/14 00:27
End of Day Share Price	2024/07/17 00:00
Earnings	2024/06/30
Annual Earnings	2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

Komercní banka, a.s. is covered by 33 analysts. 10 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution
Ivan Bokhmat	Barclays
Andreas Markou	Berenberg
Kamil Kliszcz	Biuro maklerskie mBanku