Komercní banka, a.s.

Komercní banka, a.s.

KMERF
Komercní banka, a.s.US flagOther OTC
54.98
USD
- -
- -
10.38BMarket Cap
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
163.59
162.44
164.38
168.12
170.5
170.45
172.42
156.89
165.82
204.33
191.18
207.03
194.85
210.71
Basic EPS, GAAP
66.34
68.59
67.55
72.48
79.05
78.61
78.9
43.19
67.39
93.31
82.67
91.3
95.61
104.35
Free Cash Flow per Basic Share
120.42
565.19
54.54
-3.01
-387.74
53.61
-2.03
51.05
-5.62
-172.23
-76.47
419.71
121.42
- -
Dividend per Share
45.84
45.83
62.22
62.14
39.91
46.87
50.83
- -
23.76
100.44
59.78
82.85
91.47
- -
Book Value per Share
100.63
100.63
100.63
100.63
100.63
100.63
100.63
100.63
100.63
100.63
634.54
643.23
646.48
- -
Tangible Book Value per Share
471.33
540.01
522.14
517.66
475.1
499.47
523.49
563.43
609.73
592.48
605.44
611.52
605.07
633.19
Basic Weighted Avg Shares
189
189
189
189
189
189
189
189
189
189
189
189
189
189
Sales/Revenue/Turnover
30,894
30,677
31,044
31,750
32,200
32,191
32,563
29,630
31,317
38,589
36,105
39,098
36,799
39,794
Operating Margin (%)
50.92
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
1,758
1,790
1,796
1,757
1,667
1,877
2,451
2,706
2,833
3,023
3,393
3,817
4,095
4,001
Net Income, GAAP
12,528
12,954
12,758
13,688
14,930
14,846
14,901
8,156
12,727
17,622
15,612
17,243
18,056
19,708
Effective Tax Rate (%)
17.96
16.68
16.73
16.59
16.47
18.08
18.39
19.3
18.9
18.31
17.21
15.2
16.19
14.71
Profit Margin (%)
40.55
42.23
41.1
43.11
46.37
46.12
45.76
27.53
40.64
45.67
43.24
44.1
49.07
49.53
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
52,197
60,992
31,102
18,621
7,392
5,118
9,183
6,434
18,672
53,162
79,412
81,010
96,274
76,930
Total Equity
96,538
109,494
106,229
105,401
98,162
103,329
108,635
117,058
126,782
124,676
128,284
130,037
128,922
119,582
Return on Invested Capital (%)
9.17
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Common Equity (%)
65.92
68.16
67.13
72.02
78.56
78.12
78.41
42.92
66.97
92.72
22.49
14.29
14.83
- -

Capital Structure

FRC

in mil. unless spec.
Dec'24
Mar'25
Jun'25
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
189
189
189
Market Capitalization
163,600
155,122
141,100

Working Capital

FRC

in mil. unless spec.
Dec'24
Mar'25
Jun'25
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
72,956
83,380
74,426
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
2.06%
2.01%
-0.86%
Free Cash Flow
1,191.18%
415.24%
-71.07%
Net Income, GAAP
6.91%
19.65%
4.71%
Sales/Revenue/Turnover
2.07%
4.98%
-5.88%
Total Cash Common Dividend
- -
55.58%
10.41%

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
8,792
8,723
11,582
10,026
39,098
2025
9,151
9,035
9,276
- -
36,799
2026
9,133
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
14.85
- -
32.8
24.91
91.3
2025
22.17
- -
23.68
- -
95.61
2026
21.23
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
82.85
2025
- -
- -
- -
- -
91.47
2026
- -
- -
- -
- -
- -

Company Description

APIChat
CEO
Jan Juchelka
Full Time Employees
7,943
Sector
Financial Services
Industry
Banks - Regional
Address
Na PrIkope 33/969 Prague Czech Republic 114 07
IPO Date
Jan 17, 2012
Website
kb.cz
Business
Komercní banka, a.s. Komercní banka, a.s. (KMERF) is a universal bank providing retail, corporate, and investment banking services primarily in the Czech Republic and Central and Eastern Europe, including Slovakia; it operates through Retail Banking, Corporate Banking, and Investment Banking segments and serves individuals, small businesses, corporations, and municipalities. The bank offers current, business, and savings accounts; term deposits and building savings; personal, revolving, sustainable housing, syndicated, consumer, credit card, and business loans; mortgages; home equity loans and overdrafts; operational, investment, pension, export and import, claim, real estate, and structured financing; 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; currency spot, cross currency swap, currency option and forward, and foreign exchange forward and swap services; as well as e-banking, telephone, mobile banking, and trades in financial instruments. Founded in 1990 following the separation of commercial activities from the former State Bank of Czechoslovakia and headquartered in Prague, Czech Republic, Komercní banka, a.s. functions as the parent of KB Group and a subsidiary of Société Générale Société anonyme, with a network of over 200 branches, approximately 7,300 employees, and operations supported by subsidiaries in leasing, factoring, and insurance distribution. Recent developments include signing a memorandum of understanding with SGEF SA in 2024 for a contemplated acquisition closing in the first quarter of 2025; advancing the OneGroup project since 2022 to integrate subsidiaries into internal structures and deepen synergies within Komerční banka and Société Générale groups; transitioning individual clients to the new KB+ digital banking app, reaching 1.46 million users by September 2025 with 87% targeted completion by year-end; expanding online investment acquisition via BankID, achieving nearly CZK 4 billion in newly brokered investments in 2024; and integrating bancassurance with Modrá pyramida in autumn 2024, alongside launching KB Poradenství for former tied agents.

Company News

APIChat
  • Komercní banka, a.s. (KMERF) Q1 2026 Earnings Call Transcript

  • Short Interest in Komercní banka, a.s. (OTCMKTS:KMERF) Declines By 27.0%

  • Komercní banka, a.s. (KMERF) Q4 2025 Earnings Call Transcript

  • Komercní banka, a.s. (KMERF) Q3 2025 Earnings Call Transcript

  • Komercní banka, a.s. (KMERF) Q2 2025 Earnings Call Transcript

  • Komercní banka, a.s. (KMERF) Q1 2025 Earnings Call Transcript

  • Komercní banka, a.s. (KMERF) Q4 2024 Earnings Conference Call Transcript

  • Komercni banka: Your CEE Banking Play

  • Komercní banka, a.s. (KMERF) Q2 2024 Earnings Call Transcript

  • Komercní banka, a.s. (KMERF) Q1 2024 Earnings Call Transcript