KMERF — Stock Film
STOCK FILMSCENE 1/11KMERF · $47.23
Stock Expert AI presents
KMERF
Komercní banka, a.s
~4 min film100% real numbersplain English
WHAT DOES THIS COMPANY DO?
Komercní banka, a.s. What it actually does.

Offers a full range of retail banking services, including checking, savings, term, and foreign currency accounts. Now — the numbers.

on the stock market since 2012
7,121 employees
$8.9B market value
Revenue last year:
$5.1B
The net profit left over:
$863.5M
Out of every $100 of revenue, $17 stays as net profit.
THE SLICE THAT TURNS INTO PROFIT: 17%

This is an established company with proven profits.

THE SALES TREND
Sales are growing overall, with a pause along the way.

Average growth of 36% a year over the last 4 years. Every year shown ended in profit.

$1.5B
2021
2022
2023
2024
$5.1B
2025
Every quarter, analysts set a profit bar.
How many of the last 8 did the company clear?
8 / 8
EXPECTATIONS MET OR BEATEN
8
Oct 2024
Jul 2026
8 TIMES IN THE LAST 8 QUARTERS
It clears the bar, quarter after quarter.
THE PRICE TAG
MARKET VALUE / ANNUAL PROFIT
10.3×

The market pays 10.3× for every dollar of annual profit — cheap, which is either an opportunity or a warning.

No analyst target is on record for this company.

THE COUNCIL REVIEW
9

angles, checked one by one.

The 2 that stand out are on screen; the rest came back neutral.

The council scores out of 10; report-card grades are out of 100.

STRENGTHS
Sales are growing fast10/10
WEAK SPOTS
The stock has lost its spark3/10
THE FIVE-YEAR JOURNEY
Trading below its recent peak.

The stock trades below its recent peak — about 14% off the top. A pullback, not a collapse.

1
THE BRIGHT SIDE · 1/3
A fat profit margin

The net profit margin is 17% — the profit kept from each dollar of revenue is the company’s cushion in hard quarters.

2
THE BRIGHT SIDE · 2/3
Sales keep climbing

Over the last 4 years, sales grew about 36% a year on average.

3
THE BRIGHT SIDE · 3/3
Delivers on expectations

It met or beat analyst expectations in 8 of the last 8 quarters — consistency is a promise kept.

1
THE RISKS · 1/1
The stock has lost its spark

The price action doesn’t yet back an upward turn. Council score: 3/10.

FINALE · THE GRADE
grade pending

We don’t have a report card for this stock yet — the data isn’t mature enough to grade. No grade is information too: it means the evidence is thin.

One-line summary: few numbers, an untested story. Keep watching.

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Not covered, because the filings we hold do not carry it: the revenue breakdown.

This was a film — not investment advice.
Data: FMP & company filings
Sep 11, 2026 · stockexpertai.com · Stock Film