Equity Brief · Financial Services2026-10-27
MBK.DE·Financial Services

Merkur PrivatBank KgaA

I · AI Analysis

The brief

Merkur PrivatBank is a private bank based in Munich, Germany, serving high-net-worth individuals and small-to-medium enterprises with wealth management, business accounts, real estate financing, and securities services [Yahoo Finance]. Founded in 1923, it operates primarily in Germany with 532 employees [Yahoo Finance].

Merkur PrivatBank KgaA is a small German regional bank offering private banking, wealth management, and commercial lending services, with EUR 91.0M market cap and 532 employees [Yahoo Finance]. The bank reported a sharp 33.0% revenue decline in its latest quarter and is facing significant margin pressure from elevated risk provisions in 2026 [Yahoo Finance] [FinanzBusiness]. Recent news highlights a challenging operating environment and weaker nine-month profitability driven by higher loan-loss reserves [marketscreener.com] [4investors.de].

The bank is profitable but faces mounting credit-risk headwinds that have compressed margins and driven a sharp revenue contraction in the latest quarter.

The brief AI analysisConfidence 5/10

Sentinellis health

Not enough data to score

Profitability

0.0/10
Net margin+10.7%· need ≥ 19.5%, the lower third of Banks - Regional in our libraryGross margin—· not applicable to this kind of companyCost-to-income+93.3%· need < 60%

Returns on capital

0.0/10
ROIC—· no dataReturn on equity+7.6%· need > 12%Return on equity+7.6%· need > 10%Return on assets+0.3%· need > 0.8%

Growth & momentum

0.0/10
Revenue growth-33.0%· need ≥ 2.9%, the lower third of Banks - Regional in our libraryOperating margin trend—· no data

Balance sheet

no data
Current ratio—· not applicable to this kind of companyNet debt / EBITDA—· not applicable to this kind of companyInterest coverage—· not applicable to this kind of companyDebt / equity—· no data

Cash generation

no data
Free cash flow—· not applicable to this kind of companyCash vs reported profit—· not applicable to this kind of company

Value creation

no data
ROIC vs cost of capital—· no data

Sentinellis calculation from the published statements — not a score reported by any data source. Each category is scored on the checks that had data; missing inputs are excluded rather than counted as failures.

Market capitalisation

EUR 91.0M

Revenue (TTM)

EUR 108.1M

Explainers

How we read these numbers

Plain-English guides · no account needed

II · Recent news

What moved

6 stories · ranked by relevance

  • Company2026-10-17

    Merkur PrivatBank (XTRA:MBK) Stock Faces Q3 Earnings Margin Strain - Yahoo Finance

    Yahoo Finance

  • Company2026-10-17

    Merkur PrivatBank KgaA Reports Earnings Results for the Nine Months Ended September 30, 2026 - www.marketscreener.com

    marketscreener.com

  • Company2026-10-16

    Merkur Privatbank: Risikovorsorge belastet Ergebnis deutlich - FinanzBusiness

    FinanzBusiness

  • Company2026-10-16

    Merkur Privatbank: Höhere Risikovorsorge drückt Neunmonatsgewinn - 4investors.de

    4investors.de

  • Company2026-10-16

    EQS-News: MERKUR PRIVATBANK agiert auch nach neun Monaten 2026 mit Bedacht in einem herausfordernden Umfeld - boerse.de - boerse.de

    boerse.de

  • Company2026-10-25

    Merkur Privatbank: Geldhaus trotzt rauem Umfeld - inSüdthüringen

    inSüdthüringen

Premium · Free with any account

Revenue contracted 33.0% in the latest quarter versus the prior-year period, signaling a sharp slowdown in lending or fee income [Yahoo Finance].

1 of 5 risks in this report

Risks

5

Opportunities

3

Red flags

3

Leadership

1

10 more findings in the full report — free with any account.

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III · Related

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Produced 27 Oct 2026, 10:46 UTC

Figures come from company filings and market data. The Sentinellis health score and the wording attached to it are our interpretation of those figures, not numbers the company reported.

Not investment advice and not a recommendation to buy or sell. Sentinellis holds no positions in the companies it covers, takes no payment from issuers, and has no broker referral arrangements.

How every figure and score is calculated