Komercni Banka A.S. (KOMB) fair value: what the stock is really worth
As of Nov 12, 2026: fair value (intrinsic value) of Komercni Banka A.S. stock CZK 964, price CZK 990, that is 2.6% below the price, quality 63 out of 100. Rating: fairly valued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.
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Komercni Banka A.S.
KOMB · PRSolid company and rising price, but the stock is already about fairly priced: meets 2 of 3 rules.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 12, 2026.
How to read this chart
60‑month range 361.60 CZK – 1,151 CZK · fair‑value band 779.04 CZK – 1,115 CZK · the 990.00 CZK price screens above the 964.11 CZK fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 12, 2026.
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Company profile
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.
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It accepts various deposits, such as current, business, and savings accounts; term deposits; and building savings.
The company's loan products include personal, revolving, sustainable housing, syndicated, consumer, credit card, and business loans; mortgages; home equity loans and lines of credit; and overdrafts, as well as operational, investment, pension, import and export, claim, real estate, and structured financing.
It also offers debit and credit cards; travel, risk life, savings life, accident, residential real estate, household, investment life, property, capital life, solvency, and payment insurance products; bond issuance and private banking services; foreign currency and derivative products; investment solutions; securities; guarantee transactions; payments; cash pooling; and currency spot, cross currency swap, currency option and forward, and foreign exchange forward and swap services, as well as trades in financial instruments.
In addition, the company internet and mobile banking, online tools for international trade, and other digital services. It serves individuals, entrepreneurs, small businesses, and corporations and institutions. The company was founded in 1990 and is headquartered in Prague, the Czech Republic.
Komercní banka, a.s. is a subsidiary of Société Générale Société anonyme.
Stock analysis
Komercni Banka A.S. (KOMB) currently trades at 990.00 CZK, while our model-based Fair Value estimate is 964.11 CZK, so the stock looks roughly fairly valued today (gap 2.7%).
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Valuation
Bull case: the Multiples group reads highest at a median of 1,039 CZK per share, and 2 of the 6 models we run sit above the 990.00 CZK price.
Bear case: the Asset-Based group reads lowest at 399.39 CZK, and 4 of the 6 models stay below the price. Data coverage for this calculation is high.
Scenario range: 779.04 CZK (bear) to 1,115 CZK (bull), the price of 990.00 CZK sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 63/100 (solid quality), in the Financial Services sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
Komercni Banka A.S. reported revenue of 36.8B CZK in FY2025 versus 31.3B CZK in FY2021, a compound +4.1%/yr. Reported net income was 18.1B CZK in FY2025, compounding +9.1%/yr from FY2021.
Key figures
Market cap 187B CZK (≈ $8.5B) Mid · P/E ratio 5.3 · P/S ratio 2.58 · EPS (TTM) 187.92 CZK · Dividend yield 9.7% · Net margin 49.1% · Return on equity 14.3% · Return on assets (EBIT) 2.6% (5-year average).
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 71 out of 100 (low confidence).
What moves the price
The share trades about 14% below its 52-week high and 3% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −31% fair-value upside, at −3%, KOMB screens cheaper than that median.
Fair Value models
All 6 models by family
Quality Score breakdown
It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.
Revenue & earnings trend
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Compare Komercni Banka A.S. with another stock
Price, fair value, quality and upside side by side.
Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 998 stocks
Valuation Multiplesvs Banks - Regional median · lower = cheaper
Strength profile in five axes (Snowflake)
HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.
Context: sector, industry, market
- Is the Financials sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- PEG ratio by industry
- Revenue growth by industry
- Stock screener with 62 metrics
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.
| Stock | Price | Fair Value | vs Fair Value | Compare |
|---|---|---|---|---|
| Postal Savings Bank of China Co 601658 | ¥5.62 | ¥7.59 | +35% | vs KOMB |
| China Merchants Bank Co 600036 | ¥42.63 | ¥52.73 | +24% | vs KOMB |
| BNP Paribas SA BNP | €95.68 | €107.43 | +12% | vs KOMB |
| Intesa Sanpaolo S.p.A ISP | €6.25 | €4.91 | −21% | vs KOMB |
| UniCredit S.p.A UCG | €84.24 | €58.08 | −31% | vs KOMB |
| Oversea-Chinese Banking Corporation O39 | 28.67 SGD | 18.20 SGD | −37% | vs KOMB |
| Mizuho Financial Group MFG | $10.12 | $5.87 | −42% | vs KOMB |
| DBS Group D05 | 71.00 SGD | 40.39 SGD | −43% | vs KOMB |
| HDFC Bank Limited HDFCBANK | ₹812.30 | ₹406.39 | −50% | vs KOMB |
| ICICI Bank Limited ICICIBANK | ₹1,590 | ₹615.63 | −61% | vs KOMB |
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Key figures of Komercni Banka A.S.
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