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Komercní banka, a.s. (KOMB.PR)
Prague, CZ
Komercní banka, a.s., alongside its affiliated entities, delivers a comprehensive range of retail, corporate, and investment banking solutions. Its operations are primarily focused across the Czech Republic, with an extended presence in Central and Eastern Europe. Clients can open a variety of deposit accounts, including checking, savings, term, building society, and foreign currency accounts. The bank's lending portfolio encompasses consumer financing (such as personal, student, and home equity loans), diverse business funding (for start-ups, operations, and revolving needs), and specialized financial solutions like structured finance, acquisition/merger financing, and mortgage loans. Beyond core banking, the institution provides an extensive array of other financial services. These include payment cards (debit and credit), investment opportunities, various insurance policies (life, travel, property, and card protection), and pension schemes. Additionally, it facilitates overdrafts, trade and export finance, bond issuance, cash management, cash pooling, bills of exchange, financial instrument trading, leasing, foreign currency and derivative transactions, and guarantee services. Customers also benefit from modern E-banking, telephone banking, and mobile banking platforms. Its diverse clientele spans individuals, small enterprises, large corporations, and municipal bodies. By the end of 2021, its operational footprint included 242 branches and 860 automated teller machines (ATMs). Founded in 1990, the bank maintains its headquarters in Prague, Czech Republic, and functions as a subsidiary of Société Générale S.A.
No mergers or acquisitions recorded for this company.
| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| -0.90% | -1.98% | -14.73% | -18.32% | -18.11% | -15.96% | -7.04% | +49.21% | +46.23% | +5.00% | +104.55% |
Revenue flow
Revenue by geography
Revenue by segment
Revenue composition
By product
By geography
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.
| Rating | 2026-05 | Change |
|---|---|---|
| Strong Buy | 0 | 0 |
| Buy | 2 | 0 |
| Hold | 8 | 0 |
| Sell | 2 | 0 |
| Strong Sell | 1 | 0 |
-
Revenue growth-16.3% Q1'26: -0.2% (vs Q1'25)
-
EPS growth+4.7% Q1'26: -4.2% (vs Q1'25)
-
FCF margin— Q1'26: +0.0% (vs Q1'25)
-
EBIT margin— Q1'26: +53.9% (vs Q1'25)
-
ROIC— Q1'26: +11.7% (vs Q1'25)
-
Share dilution0.0% Q1'26: 0.0% (vs Q1'25)
-
Debt / EBITDA— Q1'26: 3.92× (vs Q1'25)
* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.
| Metric |
Dec 2015 actual |
Dec 2016 actual |
Dec 2017 actual |
Dec 2018 actual |
Dec 2019 actual |
Dec 2020 actual |
Dec 2021 actual |
Dec 2022 actual |
Dec 2023 actual |
Dec 2024 actual |
Dec 2025 actual |
Dec 2026 3 Rev. Ana. 2 EPS Ana. |
Dec 2027 8 Rev. Ana. 8 EPS Ana. |
Dec 2028 6 Rev. Ana. 6 EPS Ana. |
Dec 2029 5 Rev. Ana. 4 EPS Ana. |
Dec 2030 3 Rev. Ana. 2 EPS Ana. |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue |
38.31B
est: 29.93B (+28.0%)
|
37.44B
est: 31.59B (+18.5%)
|
38.04B
est: 30.82B (+23.4%)
|
43.13B
est: 31.42B (+37.3%)
|
52.98B
est: 32.55B (+62.8%)
|
44.76B
est: 29.51B (+51.7%)
|
30.66B
est: 30.49B (+0.5%)
|
103.10B
est: 38.88B (+165.2%)
|
129.64B
est: 34.14B (+279.7%)
|
129.16B
est: 36.24B (+256.4%)
|
108.17B
est: 37.60B (+187.7%)
|
39.42B
39.16B – 39.71B
+4.8% YoY
|
41.51B
39.95B – 43.47B
+5.3% YoY
|
43.72B
43.56B – 43.88B
+5.3% YoY
|
46.85B
45.79B – 48.17B
+7.2% YoY
|
361.31B
353.12B – 371.43B
+671.1% YoY
|
| EBITDA |
17.57B
est: 7.85B (+123.7%)
|
18.63B
est: 8.29B (+124.8%)
|
19.95B
est: 8.08B (+146.8%)
|
20.40B
est: 8.24B (+147.4%)
|
21.04B
est: 8.54B (+146.5%)
|
12.99B
est: 7.74B (+67.8%)
|
18.85B
est: 8.00B (+135.7%)
|
24.86B
est: 10.20B (+143.7%)
|
22.50B
est: 9.74B (+131.1%)
|
24.34B
est: 10.34B (+135.5%)
|
22.47B
est: 10.72B (+109.6%)
|
11.24B
11.17B – 11.32B
+4.8% YoY
|
11.84B
11.39B – 12.40B
+5.3% YoY
|
12.47B
12.42B – 12.51B
+5.3% YoY
|
13.36B
13.06B – 13.74B
+7.2% YoY
|
103.04B
100.70B – 105.93B
+671.1% YoY
|
| EBIT |
15.77B
est: 6.60B (+138.8%)
|
16.87B
est: 6.97B (+142.1%)
|
18.29B
est: 6.80B (+168.9%)
|
18.52B
est: 6.93B (+167.1%)
|
18.59B
est: 7.18B (+158.9%)
|
10.28B
est: 6.51B (+58.0%)
|
15.80B
est: 6.73B (+134.8%)
|
21.84B
est: 8.58B (+154.5%)
|
19.11B
est: 8.45B (+126.0%)
|
20.53B
est: 8.97B (+128.7%)
|
21.34B
est: 9.31B (+129.3%)
|
9.76B
9.70B – 9.83B
+4.8% YoY
|
10.28B
9.89B – 10.76B
+5.3% YoY
|
10.83B
10.79B – 10.87B
+5.3% YoY
|
11.60B
11.34B – 11.93B
+7.2% YoY
|
89.46B
87.43B – 91.97B
+671.1% YoY
|
| Net Income |
12.76B
est: 12.99B (-1.8%)
|
13.69B
est: 13.23B (+3.5%)
|
14.93B
est: 13.84B (+7.8%)
|
14.85B
est: 14.51B (+2.3%)
|
14.90B
est: 15.04B (-0.9%)
|
8.16B
est: 7.97B (+2.4%)
|
12.73B
est: 12.16B (+4.7%)
|
17.62B
est: 17.04B (+3.4%)
|
15.61B
est: 13.87B (+12.6%)
|
17.24B
est: 15.77B (+9.3%)
|
18.06B
est: 17.88B (+1.0%)
|
17.37B
17.14B – 17.60B
-2.8% YoY
|
18.43B
17.26B – 19.75B
+6.1% YoY
|
19.58B
18.30B – 21.55B
+6.2% YoY
|
19.53B
18.95B – 20.24B
-0.3% YoY
|
20.11B
19.52B – 20.85B
+3.0% YoY
|
| SGA |
2.98B
est: 1.23B (+142.6%)
|
2.98B
est: 1.30B (+129.3%)
|
2.96B
est: 1.27B (+133.6%)
|
2.58B
est: 1.29B (+99.9%)
|
2.78B
est: 1.34B (+108.1%)
|
2.73B
est: 1.21B (+124.8%)
|
2.87B
est: 1.25B (+128.7%)
|
3.01B
est: 1.60B (+88.3%)
|
3.29B
est: 1.40B (+135.4%)
|
3.42B
est: 1.48B (+130.6%)
|
3.24B
est: 1.54B (+110.8%)
|
1.61B
1.60B – 1.62B
+4.8% YoY
|
1.70B
1.63B – 1.78B
+5.3% YoY
|
1.79B
1.78B – 1.79B
+5.3% YoY
|
1.92B
1.87B – 1.97B
+7.2% YoY
|
14.77B
14.44B – 15.19B
+671.1% YoY
|
| EPS |
67.55
est: 68.80 (-1.8%)
|
72.48
est: 70.03 (+3.5%)
|
79.05
est: 73.30 (+7.8%)
|
78.61
est: 76.85 (+2.3%)
|
78.90
est: 79.64 (-0.9%)
|
43.19
est: 42.19 (+2.4%)
|
67.39
est: 64.38 (+4.7%)
|
93.31
est: 90.22 (+3.4%)
|
82.67
est: 73.44 (+12.6%)
|
91.30
est: 83.23 (+9.7%)
|
95.61
est: 96.02 (-0.4%)
|
91.62
90.78 – 93.18
-4.6% YoY
|
98.12
91.38 – 104.60
+7.1% YoY
|
105.26
96.90 – 114.09
+7.3% YoY
|
103.40
100.35 – 107.17
-1.8% YoY
|
106.50
103.36 – 110.38
+3.0% YoY
|
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-12 | B- | 2/5 | 1/5 | 4/5 | 3/5 | 2/5 | 2/5 | 2/5 |
| 2026-05-11 | B- | 2/5 | 1/5 | 4/5 | 3/5 | 2/5 | 2/5 | 2/5 |
| 2026-05-07 | C+ | 2/5 | 1/5 | 4/5 | 4/5 | 2/5 | 1/5 | 1/5 |
| 2026-05-06 | C+ | 2/5 | 1/5 | 4/5 | 4/5 | 2/5 | 1/5 | 1/5 |
| 2026-05-05 | B- | 3/5 | 1/5 | 4/5 | 4/5 | 2/5 | 2/5 | 2/5 |
| 2026-05-04 | B- | 3/5 | 1/5 | 4/5 | 4/5 | 2/5 | 2/5 | 2/5 |
| 2026-04-30 | B- | 3/5 | 1/5 | 4/5 | 4/5 | 2/5 | 2/5 | 2/5 |
| 2026-04-29 | B | 3/5 | 1/5 | 4/5 | 4/5 | 2/5 | 3/5 | 2/5 |
| 2026-04-28 | B | 3/5 | 1/5 | 4/5 | 4/5 | 2/5 | 3/5 | 2/5 |
| 2026-04-27 | B | 3/5 | 1/5 | 4/5 | 4/5 | 2/5 | 3/5 | 2/5 |
| 2026-04-24 | B | 3/5 | 1/5 | 4/5 | 4/5 | 2/5 | 3/5 | 2/5 |
| 2026-04-23 | B | 3/5 | 1/5 | 4/5 | 4/5 | 2/5 | 3/5 | 2/5 |
| 2026-04-22 | B | 3/5 | 1/5 | 4/5 | 4/5 | 2/5 | 3/5 | 2/5 |
| 2026-04-21 | B | 3/5 | 1/5 | 4/5 | 4/5 | 2/5 | 3/5 | 2/5 |
| 2026-04-20 | B | 3/5 | 1/5 | 4/5 | 4/5 | 2/5 | 3/5 | 2/5 |
| 2026-04-17 | B | 3/5 | 1/5 | 4/5 | 5/5 | 2/5 | 3/5 | 2/5 |
| 2026-04-16 | B | 3/5 | 1/5 | 4/5 | 5/5 | 2/5 | 3/5 | 2/5 |
Owner Earnings
Ownership Overview
Ownership breakdown not available.
No beneficial ownership filings recorded.
Institutional Activity (13F)
Institutional history not available.
Top holders not available.
ETF Ownership
| # | ETF | Weight | Est. AUM exposure | TER |
|---|---|---|---|---|
| 1 | iShares Emerging Markets Dividend ETF DVYE | 0.78% | 9.40M | 0.50% |
| 2 | iShares EM Dividend UCITS ETF IEDY.L | 0.78% | 11.28M | 0.65% |
| 3 | Invesco FTSE Emerging Markets High Dividend Low Volatility UCITS ETF EMHD.L | 0.50% | 1.43M | 0.49% |
| 4 | iShares Emerging Markets Equity Factor ETF EMGF | 0.22% | 4.07M | 0.26% |
| 5 | FlexShares International Quality Dividend Index Fund IQDF | 0.20% | 2.28M | 0.49% |
| 6 | HSBC MSCI Emerging Markets Climate Paris Aligned UCITS ETF HPEM.L | 0.19% | 72.9K | 0.18% |
| 7 | FlexShares International Quality Dividend Dynamic Index Fund IQDY | 0.14% | 152.3K | 0.51% |
| 8 | VanEck - MSCI Multifactor Emerging Markets Equity ETF EMKT.AX | 0.14% | 701.7K | 0.69% |
| 9 | HSBC Emerging Market Screened Equity UCITS ETF HSEM.L | 0.13% | 372.0K | 0.18% |
| 10 | UBS MSCI EM Socially Responsible UCITS ETF USD dis UC79.L | 0.13% | 4.52M | 0.24% |
Insider Activity
No insider activity available.
Insider history not available.
No recent insider transactions.
Executive team
Executive compensation
Executive compensation not available.
No CEO compensation history available.
Proxy statements
No proxy statements available for this company yet.
Recent SEC filings
No SEC filings available for this company yet.
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| Jan Juchelka | Chairman of the Board & Chief Executive Officer | 29M | male |
| Margus Simson | Chief Digital Officer, Senior Executive Director & Director | 14M | male |
| Miroslav Hirsl | Senior Executive Director of Retail Banking & Director | 10M | male |
| Jitka Haubova | Senior Executive Director, Chief Operating Officer & Director | 10M | female |
| Anne Laure Veronique de Kouchkovsky | Senior Executive Director, Chief Risk Officer & Director | 9M | female |
| Katarina Kurucova | Senior Executive Director of Corporate & Investment Banking and Director | 6M | female |
| Katarína Kurucova | Senior Executive Director of Corporate & Investment Banking and Director | 6M | female |
| Martin Berdych | Manager of Legal Services | — | — |
| Tomá Choutka | Head of Regulatory Compliance | — | — |
| Alan Johan Coq | COO Investment & Chapter Lead of Product Owners Markets Technology Tribe | — | — |
| Tomá Hora | Head of Legal Investment Products | — | — |
| Anne de Kouchovsky | Member of the Board, Senior Executive Director & Chief Risk Officer | — | female |
No data available for this company.
No Senate trading activity found for this company.
No House trading activity found for this company.
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Community Opinion for KOMB.PR
Short-term intention
Target Price Distribution
These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.
