CMBNF Stock Chart & Stats
$108.61
$1.84(1.72%)
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Day’s Range― - ―
52-Week Range$99.53 - $141.06
Previous CloseN/A
VolumeN/A
Average Volume (3M)0.00
Market Cap
$3.14B
Enterprise Value$5.00K
Total Cash (Recent Filing)$506.49M
Total Debt (Recent Filing)$2.73B
Price to Earnings (P/E)13.9
Beta0.22
Next Earnings
Feb 25, 2027EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield5.39%
Share Statistics
EPS (TTM)6.24
Shares Outstanding30,000,000
10 Day Avg. Volume0
30 Day Avg. Volume0
Financial Highlights & Ratios
PEG Ratio2.94
Price to Book (P/B)2.22
Price to Sales (P/S)4.69
P/FCF Ratio14.37
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)8.13
Revenue Forecast (FY)$694.37M
Bulls Say, Bears Say
Bulls Say
High-quality Cash GenerationConsistent FCF roughly matching reported earnings demonstrates durable cash conversion and high earnings quality. Strong free cash flow (CHF207.4m in 2025) supports dividends, debt servicing and reinvestment, giving the bank flexibility through credit cycles and funding stress.
Robust Capital And Liquidity BuffersVery strong capital and liquidity ratios provide regulatory cushion and strategic optionality. High CET1/Tier‑1 and superlative LCR/NSFR allow management to pursue acquisitions, maintain payouts and absorb credit or funding shocks without immediate capital raising.
Acquisition Meaningfully Scales Auto BusinessThe Santander buy increases scale, dealer/importer partnerships and market share in auto finance—structural advantages for origination economics and diversification. Management expects mid‑term ROE and EPS uplift, strengthening long‑term revenue base and partner distribution reach.
Bears Say
Debt-heavy Funding ProfileA high debt-to-equity ratio leaves the bank sensitive to rising funding costs and liquidity shocks. Even with improvement, elevated leverage constrains capital flexibility, can amplify credit losses' impact on solvency metrics, and limits rapid deleveraging during stress.
Higher Loss Rate And Provisioning RiskAn elevated and rising loss rate signals credit quality pressures that can persist across cycles, raising expense volatility and lowering net yields. Higher provisions reduce distributable earnings and slow capital rebuild, particularly while integrating larger portfolios with different credit profiles.
Near-term Dilution, Capital Hit And Yield Pressure From AcquisitionWhile strategic long‑term, the deal causes immediate EPS dilution, consumes capital and raises integration costs. Coupled with management's note that the acquired new‑car portfolio yields less than the existing used‑car book, there's durable pressure on margins and ROE until scale and repricing benefits materialize.
Cembra Money Bank AG News
CMBNF FAQ
What was Cembra Money Bank AG’s price range in the past 12 months?
Cembra Money Bank AG lowest stock price was $99.53 and its highest was $141.06 in the past 12 months.
What is Cembra Money Bank AG’s market cap?
Cembra Money Bank AG’s market cap is $3.14B.
When is Cembra Money Bank AG’s upcoming earnings report date?
Cembra Money Bank AG’s upcoming earnings report date is Feb 25, 2027 which is in 187 days.
How were Cembra Money Bank AG’s earnings last quarter?
Cembra Money Bank AG released its earnings results on Jul 23, 2026. The company reported $3.891 earnings per share for the quarter, missing the consensus estimate of $4.108 by -$0.216.
Is Cembra Money Bank AG overvalued?
According to Wall Street analysts Cembra Money Bank AG’s price is currently Undervalued.
Does Cembra Money Bank AG pay dividends?
Cembra Money Bank AG pays a Annually dividend of $7.086 which represents an annual dividend yield of 5.39%. See more information on Cembra Money Bank AG dividends here
What is Cembra Money Bank AG’s EPS estimate?
Cembra Money Bank AG’s EPS estimate for its next earnings report is not yet available.
How many shares outstanding does Cembra Money Bank AG have?
Cembra Money Bank AG has 30,000,000 shares outstanding.
What happened to Cembra Money Bank AG’s price movement after its last earnings report?
Cembra Money Bank AG reported an EPS of $3.891 in its last earnings report, missing expectations of $4.108. Following the earnings report the stock price went down -0.18%.
Which hedge fund is a major shareholder of Cembra Money Bank AG?
Currently, no hedge funds are holding shares in CMBNF
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Company Description
Cembra Money Bank AG
Cembra Money Bank AG provides consumer finance products and services in Switzerland. The company offers savings and deposit products; cash and personal loans, and auto loans and leasing products; credit card and invoice financing receivables; leasing services for new and used vehicles, including cars, light commercial vehicles, motorcycles, and caravans, as well as corporate leasing services; and investment securities comprising debt securities. It also provides financial protection products for involuntary unemployment, accident, illness, or disability; travel, cyber, and card protection insurance products; car insurance products; investment products; and credit cards, mobile payment, and online banking services. The company serves private and self-employed individuals, and small enterprises. It operates through a network of branches and online distribution channels; and credit card partners, independent intermediaries, and car dealers. The company was formerly known as GE Money Bank Aktiengesellschaft and changed its name to Cembra Money Bank AG in October 2013. Cembra Money Bank AG was founded in 1912 and is headquartered in Zurich, Switzerland.
Berner Kantonalbank AG
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Banque Cantonale Vaudoise
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Walliser Kantonalbank
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Valiant Holding
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Zuger Kantonalbank AG
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Ownership Overview
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Insiders
5.86% Mutual Funds
― Other Institutional Investors
83.28% Public Companies and
Individual Investors