Cembra Money Bank stock
CMBN.SWSIXCembra Money Bank AG, Financial ServicesISIN CH0225173167
63Score 63 out of 100, Neutral
Price and trend
39 / 100
Price history
−6.7% in one yearThe chart shows daily closes over 13 years, adjusted for stock splits and without dividends. Click into the chart to set a price alert at that price.
Below the 200-day line: the price is 7.9% below it.
Since July 2026 the 50-day line has been below the 200-day line; the trend has turned down.
Normal: the price is neither overheated nor sold off (RSI 42).
The price is 18% below its 52-week high. Largest decline in 13 years: 55% (February 2020 to March 2022).
Chart figures for advanced users
- SMA 50$104.79
- Average price of the last 50 trading days, shows the short-term trend.
- SMA 200$111.95
- Average price of the last 200 trading days, shows the long-term trend.
- RSI (14)42
- Relative strength over the last 14 days on a scale from 0 to 100. Above 70 the price counts as overheated, below 30 as sharply fallen.
- MACDbelow the signal line
- Compares a fast and a slow price average. Above its signal line momentum is rising, below it momentum is fading.
- Support$100.02
- The lowest closing price of the last twelve months.
- Resistance$126.04
- The highest closing price of the last twelve months.
Snapshot
Computed from the data by fixed rules, no AI
- Cembra Money Bank AG belongs to the Banks (Regional) industry (Switzerland) and, with a market value of $3.02B, is number 215 of 422 companies in its industry on MEQIRI.
- In fiscal 2025 it earned $216.9M (up 5.6% year on year).
- For fiscal 2026, analysts expect on average adjusted earnings per share of $7.54 (up 3.2%).
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- MEQIRI Score 63 out of 100 (Neutral): rank 648 of 976 in Financial Services, median 68.
- The P/E is 13.5 (Banks (Regional) median 12.2, own median of recent years 14.4).
- Our model puts fair value at $113.00, with the price 9% below it.
In plain words
The numbers on this page in plain words, written by an AI
Strengths
- High dividend yieldDividend yield 4.68%, Banks (Regional) median 2.79%.Capital allocation 62
- Consistently profitableProfit in all 10 fiscal years from 2016 to 2025.Fundamentals 87
Weaknesses
None of our weakness checks flags anything. Crash risk is measured separately.
Its standout strengths are stability and fundamentals, while momentum and technical analysis hold the score back.
Daily figure as of 12 Nov 2026
How the score is calculatedScore overview
The fundamentals are strong overall.
Score history
The full history of up to 20 years comes with MEQIRI Pro.
See plansCrash risk low
How well MEQIRI warnsOne of the 30% with the lowest crash risk among smaller stocks.
From 2016 to 2025, 14 in 100 such stocks fell 30% or more within a year, against a group average of 23 in 100.
What lowers it
- calm price action
- solid fundamentals
Valuation
Valuation signal
Fairly valuedClosing price of 11 Nov 2026, used by the daily score.
In our model the price counts as cheap below $94.17 and expensive above $141.25 (uncertainty low, based on the price swings of the past year).
The two parts of the fair value come to $132.91 (excess return model) and $93.08 (industry comparison), and the gap between them shows how uncertain the estimate is.
Calculated with a cost of equity of 5.6%. At 6.6% the fair value would be $101.92, at 4.6% it would be $129.61.
Valuation metrics
Half from the excess return model, half from earnings times the industry P/E (12.2).
Calculate with your own assumptionsCompany performance
This shows several years of history with an automatic assessment.
Revenue
In the twelve months to 30 Jun 2026, revenue rose 15% on the twelve months before. Revenue has changed sharply in recent years: $654.04M in 2025 after $462.57M in 2023.
Margins
- Operating margin
- Net margin
In fiscal 2025: operating 41%, net 33%. Banks and insurers have no gross margin, and their net margin is not comparable with other industries. The score leaves both out.
Debt & balance sheet
latest quarterFor banks and insurers, deposits and liabilities are the business. Debt to equity and the current ratio say little here, and the score does not rate them.
Earnings
- Next earnings
- 18 Feb 2027in 98 days
- Last reported
- 23 Jul 2026EPS reported $3.80 (expected $4.04)below expectations
Analyst estimates
Analysts have cut their 2027 earnings estimate by 4.0% since 15 Oct 2026. Falling estimates often precede bad news.
- Earnings per share
- $7.54−2.7%
- Revenue
- $659.48M+0.2%
- Earnings per share
- $8.22−4.0%
- Revenue
- $690.71M+1.2%
MEQIRI has stored the estimates since 15 Oct 2026. Until 30 days are available, the card shows the change since that day. Mean estimate according to Financial Modeling Prep. No price target and no recommendation.
Company outlook confirmed
Share price after the results: −1.7%Full year guidance for the core business is confirmed, the loss rate stays around 1%, and the cost income ratio is expected below 40% in the second half.
“We does expect inherently a cost reduction of CHF 15 million or more in 2026 and the cost/income ratio run rate in the second half of 2026 below 40%.”The outlook is not part of the score and not a recommendation to buy or sell.
From the earnings call on 23 Jul 2026 (fiscal Q2 2026), read by AI.
What happened at Cembra Money Bank
The key events of the last six months from our own data. A click takes you to the matching card.
Sector comparison
976 rated companies in Financial Services
- This company
- 63
- Sector median
- 68
Categories against the sector median
The median is the middle value: half of the companies in the sector lie above it, half below. Categories with too few comparable companies are left out.
Competitors in Banks (Regional)
The next larger and next smaller companies by market value
- Van Lanschot KempenVLK.AS $3.14B74
- BankUnitedBKU $3.12B63
- Walliser KantonalbankWKBN.SW $3.12B51
- First HawaiianFHB $3.03B62
- Provident Financial ServicesPFS $3B71
- SpareBank 1 OstlandetSPOL.OL $2.99B69
- Valiant HoldingVATN.SW $2.96B57
- Columbia FinancialCLBK $2.85B54
ETFs that hold Cembra Money Bank
Held by 27 ETFs on Xetra. Shown per index: the ETF with the largest weight.
| ETF | Weight | Cost | Fund size |
|---|---|---|---|
| Franklin European Quality Dividend UCITS ETFFLXD | 0.92% | 0.25% | €681.62M |
| UBS S&P Dividend Aristocrats ESG Elite UCITS ETF USD disUBUM | 0.75% | 0.30% | €237.98M |
| State Street SPDR S&P Global Dividend Aristocrats UCITS ETF (Dist)ZPRG | 0.57% | 0.45% | €1.63B |
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| Fidelity Europe Quality Income UCITS ETF INC-EURFEUI | 0.47% | 0.30% | €75.09M |
| iShares STOXX Europe Small 200 UCITS ETF (DE)EXSE | 0.39% | 0.20% | €632.25M |
| Xtrackers MSCI Europe Small Cap UCITS ETF 1CXXSC | 0.21% | 0.30% | €3.43B |
| Ossiam STOXX Europe 600 Equal Weight NR UCITS ETFOSX6 | 0.20% | 0.30% | €215.59M |
| iShares MSCI World Small Cap CTB Enhanced ESG UCITS ETFCBUG | 0.16% | 0.35% | €434.1M |
Holdings as reported by the funds via FMP, excluding swap ETFs (their holdings are only collateral).
Data status and sources
- Score
- Daily value of 12 Nov 2026, recalculated nightly
- Price
- Closing price of 12 Nov 2026
- Latest annual report
- Fiscal year 2025, period end 31 Dec 2025
- Currency
- Amounts in US dollars, converted at the ECB reference rate of 11 Nov 2026 ($1 = CHF 0.8299)
- Source
- Financial statements, ratios and prices from Financial Modeling Prep (FMP), based on the company's reports. MEQIRI calculates the score and fair value from them.
Mandatory disclosures for this rating
- ; time horizon around 12 months
- Rated Neutral, published since 7 Nov 2026 (in the score history since 30 May 2025)
- Valuation signal Fairly valued since 7 Nov 2026
- End-of-day prices, metrics cached for up to 24 hours
- Score and fair value are estimates from a disclosed model. They are not facts and not a price target.
- Produced by SSM Ventures UG (haftungsbeschränkt), responsible person Sven Brostmeyer, Managing Director, automatically according to the disclosed model.
- Not investment advice. Losses up to and including a total loss are possible. Personal circumstances are not considered.