Cembra Money Bank AG (CMBN.SW) stock analysis

In our weekly check, Cembra Money Bank AG is graded C (A to F). Of 25 checks on debt, profit, cash flow and trend: 16 pass, warnings: 4, red flags: 5.

About Cembra Money Bank AG

Cembra Money Bank AG is a Financial Services company (Banks - Regional) based in Switzerland, listed on SIX as CMBN.SW.

What our checks show for CMBN.SW

Red flags

• The gross margin fell by 26.2 points, to 73.8%: costs are rising faster than prices.
• Analysts expect revenue to shrink about 2.5% a year.
• Thinly traded (about 74 thousand shares a day): buying and selling can move the price.
• Return on capital (ROCE) is only 3.2%.

Warning signs

• The net margin fell by 3.1 points over 5 years, to 28.3%: the company keeps less of each sale as profit.
• The stock has fallen as much as 55% from a peak. Would you have held through that?
• The stock is still below its previous peak.

Strengths

• Operating cash flow is 1.22x net profit: the profit arrives as real cash.
• Analysts expect the net margin to improve by 9.4 points from today's 28.3%.
• The company keeps 28.3% of its revenue as net profit.
• Free cash flow is 32.7% of revenue: cash for dividends, buybacks or growth.
• The price moves calmly: 19% annual volatility.
• Beta 0.17: the stock usually moves less than the market.

Similar companies

TRMK · BBT · FRME · FBK · BANR · NBTB

Questions

What grade does Cembra Money Bank AG (CMBN.SW) have?

In our weekly check, Cembra Money Bank AG is graded C (A to F). Of 25 checks on debt, profit, cash flow and trend: 16 pass, warnings: 4, red flags: 5. The grade is a risk check, not a buy or sell recommendation.

What are the main risks of CMBN.SW stock?

This week's biggest flags for Cembra Money Bank AG: Gross margin falling, Weak revenue forecast, Thinly traded. In total 9 of 25 checks show a warning or a red flag.

What does Cembra Money Bank AG do?

Cembra Money Bank AG is a Financial Services company (Banks - Regional) based in Switzerland, listed on SIX as CMBN.SW.

The grade is a risk check, not a price forecast, and not investment advice. In our 10-year test (S&P 500, 2016-2026), stocks we graded A or B fell more than 30% 2-3 times less often than D or F, without a lower average return.

Updated 2026-10-31

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