Financial Services
Cembra Money Bank AG(CMBNF)
Live Price
Offline$126.00
+0.00% today
1Y Change
+37.99%
Window
Jun 25, 2025 β Jun 24, 2026
- Market Cap
- $2.71B
- Revenue Growth
- +15.4%
- EPS Growth
- +3.3%
- Dividend Yield
- 6.1%
Coverage: 255 bars Β· Jun 25, 2025 β Jun 24, 2026
Research Briefing
A compact read on the setup, peer context, quarterly changes, and recent earnings reaction.
Research Snapshot
Cembra Money Bank AG (CMBNF) is a Financial Services stock with a market cap of $2.71B and listed on OTC. The stock last traded around $126.00 and up 38.0% across the available one-year price window (Jun 25, 2025 β Jun 24, 2026). Baseline metrics include revenue growth of +15.4%, EPS growth of +3.3%, a dividend yield of 6.1%. What stands out right now is revenue +15.4%, EPS +3.3%, free cash flow -17.1% with operating margin 15.0% and ROIC 2.0%. The dividend matters to the case here, with a current yield around 6.1%. Valuation is more restrained than many high-expectation growth names at P/E 15.4 and price/sales 3.7. Overall, the current profile looks closer to a income-oriented value setup than a generic broad-market placeholder. Stock Foundry combines CMBNF price history, valuation, growth, dividend context, earnings, analyst forecasts, news, related Financial Services peers on this page.
Sector Context
How this name stacks up against nearby peers on first-pass metrics.
Revenue Growth
Above sector median
+15.4% vs +3.4% peer median
Operating Margin
Above sector median
+15.0% vs +4.7% peer median
What Changed This Quarter
Latest report context and the signals most likely to have changed the story.
Latest report came in below the EPS bar
2026 was reported on Feb 19, 2026 with an EPS surprise of -2.3% and a revenue surprise of +71.7%.
The operating story is still moving forward
Revenue is running at +15.4% and EPS at +3.3%, with operating margin around 15.0%.
The next real check-in already has a date
The next earnings event is scheduled for Jul 23, 2026, which is the clearest near-term catalyst for confirming whether the current trend is holding up.
Earnings Reaction Memory
How the stock has tended to move after recent reports.
Across the last 3 reported quarters, the stock averaged 0.0% over the next 5 trading days and finished higher after 0 of those reports.
View quarter-by-quarter reaction table
| Quarter | EPS Ξ | 1D | 5D | 20D |
|---|---|---|---|---|
2026 Feb 19, 2026 | -2.3% | +0.0% | +0.0% | +0.0% |
2025 Jul 24, 2025 | β | +0.0% | +0.0% | +0.0% |
2025 Feb 20, 2025 | -1.1% | +0.0% | +0.0% | +0.0% |
Benchmark Edge
CMBNF vs SPY, QQQ, and Sector ETFs
Normalized return, excess return, max drawdown, and calendar-year wins against the benchmarks investors actually use.
CMBNF
β
Normalized return
SPY
--
S&P 500
Excess Return
--
Relative to SPY
CMBNF Max Drawdown
0.00%
Trailing 1Y
SPY Max Drawdown
β
Trailing 1Y
Calendar-Year Returns
Uses the longest available daily history for CMBNF and SPY.
Company Overview
Cembra Money Bank AG
OTC
Cembra Money Bank AG is a leading Swiss credit institution specializing in consumer financing solutions and services. Headquartered in Zurich-Altstetten, it offers a diverse portfolio including personal loans, auto leases and loans, credit cards, associated insurance products, invoice financing, buy now pay later (BNPL) services through its CembraPay unit, and deposits and savings products. With roots tracing back to 1912, the bank evolved through mergers and acquisitions, separating from GE Capital via an IPO in 2013 and rebranding to Cembra in 2020, symbolizing the resilient Swiss cembra pine. Serving over 1 million customers nationwide via branches, online channels, partners, and intermediaries, it employs around 1,000 people from 43 nationalities. Cembra Money Bank AG manages net financing receivables exceeding CHF 6.6 billion, focusing on lending and payments segments that generated net revenues of CHF 550.5 million and net income of CHF 170.4 million in 2024. Rated Aβ by Standard & Poorβs, it holds strong capital ratios and is recognized in sustainability indices, playing a key role in Switzerlandβs consumer finance market.
- Leadership
- Mr. Holger Laubenthal
- Employees
- 805
- Street Address
- BΓ€ndliweg 20, 11 Bermudiana Road
- Mailing
- Zurich, MI, 8048
- Region
- Zurich, MI, Switzerland
- Last Updated
- May 8, 2026
Key Fundamentals
Valuation, growth, profitability, and balance sheet signals.
Valuation
- P/E
- 15.4
- EV/EBITDA
- 43.8
- Price/Sales
- 3.7
- Price/Book
- 2.1
Growth
- Revenue
- +15.4%
- EPS
- +3.3%
- Free Cash Flow
- -17.1%
Profitability
- Gross Margin
- 94.2%
- Operating Margin
- 15.0%
- Net Margin
- 24.9%
- ROE
- 13.9%
- ROIC
- 2.0%
Balance Sheet
- Debt/Equity
- 2.10
- Current Ratio
- 0.22
Earnings Reports
Latest News
Official Releases
Company announcements and filings-style updates.
Next Step
Keep the research moving
After the overview, the strongest next step is usually chart context or a tighter compare set.