Czech stock

PXCZK

Komercni banka

KOMB.PR

AI analysis and articles are in Czech.

§ Financial healthLong-term stability

66/ 100

Overall score·KOMB.PR

Current price

993.5CZK

23/10/2026

P/E, P/B

Valuation

Strong

Rates whether the stock is cheap or expensive relative to its history and sector. A score above 60 suggests the stock trades below its estimated intrinsic value.

Tracks:P/E · P/B · FCF yield · sector

Akcie Komerční banky se obchodují pod sektorovým průměrem P/E, což naznačuje podhodnocení. Tržby a zisky vykazují mírný pokles, avšak marže a ROE jsou na solidní úrovni. Cena se pohybuje v blízkosti 52týdenního maxima, což ukazuje na určitý momentum, i když krátkodobé změny jsou mírné.

§ Outlook vs S&P 500Next 12 months

Probably yes

Estimated chance of beating the index: about 58%

8 of 8 inputs

NoProbably notSameProbably yesYes

A model estimate from current values. The result may change with new data; it is not a price target or an investment recommendation.

§ Financial results

Financial results·KOMB.PR

mld. CZK

RevenueEBITDANet incomeEBITDA margin

Margins and profitability·KOMB.PR

Net marginEBITDA marginDashed = estimate

Net margin

+49.0 %

FY 2025 · reported

EBITDA margin

0.0 %

FY 2026 · estimate

Net margin

+47.0 %

last 12 months

Operating margin

+56.4 %

last 12 months

ROE

+14.9 %

last 12 months

FY = fiscal year · TTM = trailing 12 months

§ Context and events

Management

Předsedou představenstva a generálním ředitelem je Jan Juchelka. Jitka Haubova odpovídá za provoz, Miroslav Hirsl za retailové bankovnictví a Katarina Kurucova za korporátní a investiční bankovnictví. Strategie banky stojí na obsluze retailových i firemních klientů a na řízení kapitálu a úvěrového rizika.

Articles about Komercni banka, in Czech (0)

No articles yet. New analyses are published daily.

§ Upcoming results

29 October 2026

in 2 days

Earnings

Earnings = quarterly financial results (revenue and profit). Companies publish them every three months and the share price often reacts strongly.

§ Frequently asked questions

What is Komercni banka (KOMB.PR)?

Komercni banka (KOMB.PR) is a czech stock traded on PX. We track it daily — scoring news sentiment, the short-term outlook and long-term stability on a 0–100 scale.

What is the Komercni banka price today?

As of 23 October 2026, Komercni banka trades at about 993.50 CZK per unit. We update the price daily from public market data. Intraday moves can differ significantly — always check the final price with your broker.

How to buy Komercni banka?

Through regulated online brokers such as Degiro, XTB, Trading 212 or Interactive Brokers. Shares trade in USD or EUR — most brokers convert your currency automatically. FinSignal does not operate any of these platforms and charges no commission — the overview is only a signpost.

Does Komercni banka pay a dividend?

Komercni banka either pays no dividend at the moment or we have no reliable data on it. Many growth companies prefer reinvesting profit to paying dividends — check the current policy in the company's investor relations materials.

Is Komercni banka a good investment in 2026?

Our AI signal currently rates Komercni banka as neutral (score 51/100). Financial health comes out at 66/100, so beyond short-term news it is worth watching the valuation, growth, profitability and stability of the company. FinSignal is not an investment adviser licensed under Czech Act No. 256/2004 Coll. — signals are analytical input, not a recommendation to buy or sell. You make every decision at your own risk.

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§ How to buy Komercni banka

You can buy shares through regulated online brokers available in the EU. They differ mainly in fees, app quality and which markets they cover.

Degiro
Dutch broker with low fees for passive investors. No account fee, trading in EUR and USD.
XTB
Polish broker with zero commission on stocks and ETFs up to EUR 100,000 a month. Own xStation platform.
Trading 212
Zero-commission broker with fractional shares from EUR 1 and automated investing (Pies). Suits beginners and regular investing.
Interactive Brokers
US broker for advanced investors. The widest choice of markets, low costs at larger volumes, a professional platform with a steeper learning curve.

FinSignal operates none of these platforms. We charge no commission on purchases.

Important: Signals are an analytical tool, not investment advice within the meaning of Czech Act No. 256/2004 Coll. Past performance does not guarantee future results. You make all decisions at your own risk.

§ Current signalShort-term mood

/ 100

● Neutral

Earnings in 2 days

On 29 October 2026 the company publishes its quarterly results. This period tends to bring large price moves — the signal below does not reflect the results yet.

News summary

No newer news

Signal 19/10, 12:01

Komerční banka má podle Patria záznam ve výpisu z obchodního rejstříku; bez popsané změny jde o neutrální informaci, její význam by potvrdil až konkrétní dopad na banku.

Týdenní růst ceny částečně vyvažuje pokles za 30 dní; neutrální trend, RSI 45 a slabé momentum krátkodobý směr nepotvrzují. Volatilita je vysoká.

Risks: Pokračující pokles podpořený slábnoucím momentem by neutrální výhled zhoršil; obrat trendu a udržení týdenního růstu by jej naopak posílily.

More about the signal

Týdenní růst ceny částečně vyvažuje pokles za 30 dní; neutrální trend, RSI 45 a slabé momentum krátkodobý směr nepotvrzují. Volatilita je vysoká.

Risks: Pokračující pokles podpořený slábnoucím momentem by neutrální výhled zhoršil; obrat trendu a udržení týdenního růstu by jej naopak posílily.

Signal history· 2

04/1015:0128 · Strongly negative
Komercni banka je s největší pravděpodobností v mírně negativním trendu s pokračujícím tlakem na cenu vzhledem k širšímu prostředí dluhopisového trhu a oslabení bankovního sektoru.
02/1014:0161 · Slightly positive
Komerční banka začíná ukazovat stabilní výhled navzdory krátkodobým ztrátám v ceně a nižším RSI.

The full 90-day signal history is part of Premium.

Ask the AI

DCF valuation

A DCF model is not suitable for this asset class.

§ Valuation check

Is the price reasonable?

Six quick tests: price against fair value, the last year, similar companies and analyst estimates. They are calculated from the numbers, not from AI estimates. This is not a recommendation.

Data 16 of 18

Valuation score

4/ 6

4/6 tests available

1. Below DCF fair value

The complete DCF range or the current price is missing.

2. Well below DCF value

The complete DCF range or the current price is missing.

3. Price vs. the last year

10% above the 1-year low (963.0 CZK to 1,271.0 CZK), based on stored daily prices.

4. P/E vs. similar companies

P/E 11.3 vs. median 13.0 (42 companies).

5. P/E relative to growth

PEG 1.3; a lower value means cheaper growth.

6. Analyst price target

12.9% vs. the current price, 12 analysts.

Price and fair value

no complete range

The DCF check appears once both the price and the model range are available.

Price vs analyst target

Current price

993.5 CZK

Low 1,040.0 CZKHigh 1,218.8 CZK

Current priceAverage: 1,121.3 CZK

DCF gap

no complete range

The DCF check appears once both the price and the model range are available.

Analyst target

+12.9%

Average target 1,121.3 CZK vs. price 993.5 CZK.

Analyst consensus

Target range

1,040.0 CZK - 1,218.8 CZK

Coverage

12 analysts

Analyst consensus

2.9 / 5

Changes 180 d

+0 / -0

EPS next year

6.5%

Revenue next year

5.1%

Valuation multiples

11.3

12.6

1.7

5.2

1.3

52-week range10% above the low

963.0 CZK1,271.0 CZK

-2.0%

47.0%

14.9%

Price vs 50D-5.3%

Price vs 200D-9.3%

Metrics explained+

Price and fair value

DCF range: A model estimate of fair value from future free cash flow. A price above the range means the market pays a premium over the model; a price below it may signal a more conservative market valuation or an overly optimistic model.
Analyst target: The average and range of the analyst price targets we track. It is the market consensus, not a FinSignal recommendation, and it can lag fast price moves.
52-week range: Shows where the current price sits between the low and high of the last year. A value near the high often signals strong momentum, but on its own says nothing about whether the stock is expensive.
Price vs 50D / 200D: Compares the price with its short- and long-term moving averages. A positive value means the price is above the trend; a negative one below it.

Multiples

P/E: Price relative to current earnings. A lower P/E can mean cheaper, but it can also point to a weak outlook or risk.
Forward P/E: Price relative to next year's expected earnings. For growing companies it is often more useful than the historical P/E because it reflects estimates of future earnings.
P/B: Price relative to the book value of equity. It makes more sense for banks, insurers and capital-intensive companies than for software or brands.
P/S: Price relative to revenue. It helps with companies that have low or negative earnings; a high P/S means the market expects strong growth or future margins.
EV/EBITDA: The value of the whole company, including debt, relative to operating profit before depreciation. Useful for comparing companies with different leverage.
PEG: P/E adjusted for earnings growth. A value around 1 may suggest the valuation matches growth, but the metric is sensitive to estimates.

Growth and quality

EPS growth: Year-on-year change in earnings per share. Strong growth supports a higher valuation, but for cyclical companies it can be temporary.
Revenue growth: The growth rate of sales. It helps tell whether profits grow on real demand or mainly on cost savings.
Net margin: How much of each unit of revenue is left as net profit. A higher margin often points to stronger pricing power or more efficient operations.
ROE: Return on equity. A high ROE can signal a quality business, but check that it is not artificially boosted by heavy debt.

Most data available. Missing values mean the market data source did not provide them for this ticker. The data is indicative and may be delayed. Price as of 23/10/2026.

Management and competitive advantage

Both are estimated by the AI from the company profile, news and results. They do not count towards the 6-pillar financial health score. The AI comments are in Czech.

strong

Management je hodnocen jako kvalitní s dobrou strategií a stabilní exekucí, což přispívá k celkovému pozitivnímu pohledu na firmu.

strong

Komerční banka má silný konkurenční náskok díky své značce, široké zákaznické základně a digitálním službám, i když regulace a konkurence představují určité riziko.

Information

Type: Czech stock
Symbol: KOMB.PR
Exchange: PX
Currency: CZK
Sector: Bankovnictví
: 11.3x
: 196.8B USD
: 0.11

§ Risk profile

Výsledky mohou oslabit pokles úrokových marží, zhoršení splácení úvěrů nebo slabší česká ekonomika. Pro investora představují riziko také změny bankovní regulace, kapitálových požadavků a dividendové politiky.

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