OTC · Banks - Regional

Cembra Money Bank AG (CMBNF) Stock

$126.00 +0.00% OTC: CMBNF Financial Services

Cembra Money Bank AG engages in the provision of financial solutions and services. It offers personal loans, auto leases and loans, credit cards, insurance, invoice financing, and deposits.

Valuation

MetricValue
Price$126.00
Market Cap$3.69B
P/E Ratio14.84
P/B Ratio2.01
P/S Ratio4.74
EPS (TTM)$8.49
52-Week High$126.00
52-Week Low$91.31
Dividend Yield5.63%

Financials & Margins

MetricValue
ROE13.89%
ROA2.27%
ROCE5.13%
Gross Margin84.28%
Operating Margin40.17%
Net Margin32.37%
Debt/Equity2.10
Current Ratio0.22

Annual Financials (USD)

Metric20212022202320242025
Revenue$493.0M$509.0M$459.0M$550.0M$635.0M
Operating Profit$200.0M$210.0M$196.0M$286.0M$223.0M
Net Profit$161.0M$169.0M$158.0M$170.0M$180.0M
EPS$5.49$5.76$5.38$5.80$6.11
Op Margin40.6%41.4%42.8%51.9%35.2%

Balance Sheet (USD)

Metric20212022202320242025
Total Assets$7.1B$7.7B$8.1B$7.9B$7.9B
Total Liabilities$2.5B$2.6B$6.8B$6.7B$6.6B
Cash$545.0M$633.0M$922.0M$793.0M$781.0M
Borrowings$2.5B$2.6B$3.1B$2.9B$2.8B

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Cash Flow (USD)

Metric20212022202320242025
Operating Cash Flow$175.0M$243.0M$189.0M$261.0M$220.0M
Investing Cash Flow$24.0M$-484.0M$-242.0M$-123.0M$-71.0M
Financing Cash Flow$-73.0M$313.0M$-16.0M$29.0M$63.0M
Net Cash Flow$-50.0M$69.0M$308.0M$-141.0M$-2.0M
Free Cash Flow$165.0M$232.0M$180.0M$250.0M$208.0M

Valuation & Return Ratios

MetricValue
PEG Ratio3.45
EV / EBITDA—
FCF Yield—
Quick Ratio—
Interest Coverage—
Return 1Y44.41%
Return 3Y110.31%
Return 5Y—

Ownership

Insiders Held0.04%
Institutions Held51.84%
Institutions Float Held51.86%
Institutional HolderSharesReport Date
VANGUARD STAR FUNDS-Vanguard Total International Stock Index Fund425,4882026-04-30
VANGUARD TAX-MANAGED FUNDS-Vanguard Developed Markets Index Fund282,6402026-03-31
Goldman Sachs TRT-Goldman Sachs Intl Small Cap Insights Fd.282,6612026-04-30
iShares Trust-iShares Core MSCI EAFE ETF226,2852026-06-30
AIM Intl Mutual Fd.s -Invesco Intl Small-Mid Company Fd.194,1012026-04-30

Peer Comparison

TickerPriceChangeP/EMarket CapDiv Yield
AAALFAareal Bank AG $31.99 +0.00% 14.31 $2.04B 0.00%
AAALYAareal Bank AG $34.65 — 14.31 $2.19B 0.00%
BKQNFBank of Queensland Limited $3.91 +0.00% 41.98 $2.57B 7.42%
BOFKFThe Bank of Kyoto, Ltd. $43.50 +0.00% 13.63 $3.23B 3.79%
BTPNFPT Bank BTPN Tbk $0.18 +0.00% 53.50 $1.86B 0.42%

About Cembra Money Bank AG

Cembra Money Bank AG engages in the provision of financial solutions and services. It offers personal loans, auto leases and loans, credit cards, insurance, invoice financing, and deposits. The company was founded in 1912 and is headquartered in Zurich, Switzerland.

Cembra Money Bank AG is headquartered in CH.

Cembra Money Bank AG (CMBNF) stock trades at $126.00 with a market capitalization of $3.69B. The stock is valued at a price-to-earnings (P/E) ratio of 14.84, price-to-book of 2.01, price-to-sales of 4.74. Over the past 52 weeks the stock has ranged between $91.31 and $126.00, and currently trades at its 52-week high. It pays a dividend yielding 5.63%.

On profitability, Cembra Money Bank AG generates a return on equity (ROE) of 13.89%, above the typical market average, return on capital employed of 5.13%, an operating margin of 40.17%, a net profit margin of 32.37%.

Official website: www.cembra.ch

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