During the past 12 months, Cembra Money Bank AG's average EPS without NRIGrowth Rate was 5.30% per year.
During the past 3 years, the average EPS without NRIGrowth Rate was 2.00% per year.
During the past 5 years, the average EPS without NRIGrowth Rate was 2.60% per year.
During the past 10 years, the average EPS without NRIGrowth Rate was 1.60% per year.
During the past 13 years, Cembra Money Bank AG's highest 3-Year average EPS without NRI Growth Rate was 47.30% per year. The lowest was 0.20% per year. And the median was 2.80% per year.
Cembra Money Bank AG (OTCPK:CMBNF) Earnings per Share (Diluted) Explanation
Earnings Per Share (EPS) is the single most important variable used by Wall Street in determining the earnings power of a company. But investors need to be aware that Earnings per Share can be easily manipulated by adjusting depreciation and amortization rate or non-recurring items. That's why GuruFocus lists EPS without NRI, which better reflects the company's underlying performance.
Be Aware
Compared with Earnings per share, a company's cash flow is better indicator of the company's earnings power.
If a company's earnings per share is less than cash flow per share over long term, investors need to be cautious and find out why.
Cembra Money Bank AG Earnings per Share (Diluted) Related Terms
Cembra Money Bank AG Earnings per Share (Diluted) Historical Data
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The historical data trend for Cembra Money Bank AG's Earnings per Share (Diluted) can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Cembra Money Bank AG Earnings per Share (Diluted) Chart
Cembra Money Bank AG Earnings per Share (Diluted) Competitor Comparison
For the Banks - Regional subindustry, Cembra Money Bank AG's PE Ratio, along with its competitors' market caps and PE Ratio data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Cembra Money Bank AG PE Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Cembra Money Bank AG's PE Ratio distribution charts can be found below:
* The bar in red indicates where Cembra Money Bank AG's PE Ratio falls into.
Cembra Money Bank AG Earnings per Share (Diluted) Calculation
Earnings Per Share (EPS) is the amount of earnings per outstanding share of the company's stock. In calculating earnings per share, the dividends of preferred stocks need to subtracted from the total net income first.
Cembra Money Bank AG's Earnings Per Share (Diluted) for the fiscal year that ended in Dec. 2025 is calculated as
Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 adds up the semi-annually data reported by the company within the most recent 12 months, which was $7.59
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Companies also reported diluted shares in their financial reports. Diluted shares include the shares of convertibles or warrants outstanding.
What does a Earnings per Share (Diluted) of $7.59 mean?
Cembra Money Bank AG (CMBNF) has a Earnings per Share (Diluted) of $7.59 as of Dec. 2025. Diluted EPS equals net earnings divided by average shares outstanding, including dilutive securities. View historical data on Cembra Money Bank AG and its competitors. According to the industry distribution chart, Cembra Money Bank AG ranks #935 out of 1410 companies in the Banks industry, placing it in the top 66.3%.
Is Cembra Money Bank AG's Earnings per Share (Diluted) too high?
Cembra Money Bank AG's current Earnings per Share (Diluted) is $7.59. The Banks industry median Earnings per Share (Diluted) is 7.30. Cembra Money Bank AG's value of $7.59 is 4% above this industry median. Based on the distribution chart, Cembra Money Bank AG ranks #935 out of 1410 companies in the Banks industry, which is below the industry midpoint. Overall, Cembra Money Bank AG has a GF Score™ of 62/100, reflecting its overall financial health beyond just this single metric.
How does Cembra Money Bank AG's Earnings per Share (Diluted) compare to competitors?
According to the Banks industry distribution chart, Cembra Money Bank AG ranks #935 out of 1410 companies for Earnings per Share (Diluted). This places Cembra Money Bank AG in the lower half of its industry. The industry median Earnings per Share (Diluted) is 7.30. Cembra Money Bank AG's value of $7.59 is 4% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Earnings per Share (Diluted) for a Banks company?
The median Earnings per Share (Diluted) among Banks companies is 7.30, based on 1,410 companies in the industry. Companies in the top quartile (top 25%) have a Earnings per Share (Diluted) significantly above this median, while those in the bottom quartile fall well below. However, Earnings per Share (Diluted) should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Cembra Money Bank AG's current Earnings per Share (Diluted) of $7.59 is 4% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Earnings per Share (Diluted) mean?
A high Earnings per Share (Diluted) can signal that a stock is expensive relative to its fundamentals. Diluted EPS equals net earnings divided by average shares outstanding, including dilutive securities. View historical data on Cembra Money Bank AG and its competitors. For the Banks industry, the median Earnings per Share (Diluted) is 7.30 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Cembra Money Bank AG's current Earnings per Share (Diluted) is $7.59. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Cembra Money Bank AG stock overvalued right now?
Cembra Money Bank AG (CMBNF) has a current Earnings per Share (Diluted) of $7.59. The stock's GF Value™ is $106.79, compared to a current price of $126.00 — trading 18% above its estimated fair value. The current Earnings per Share (Diluted) is $7.59 and 4% above the Banks industry median of 7.30. Cembra Money Bank AG's overall GF Score™ is 62/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Earnings per Share (Diluted) calculated?
Earnings per Share (Diluted) is calculated from a company's financial statements. For Cembra Money Bank AG (CMBNF), the current Earnings per Share (Diluted) is $7.59 as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Cembra Money Bank AG (CMBNF) Overvalued in 2026?
Based on GuruFocus' analysis, Cembra Money Bank AG stock appears to be overvalued.
The current stock price of $126.00 is trading 18% above its estimated GF Value™ of $106.79.
Key valuation signals for CMBNF:
Earnings per Share (Diluted): $7.59
GF Value™: $106.79 vs. price of $126.00 (18% above fair value)
Industry Position: 4% above the Banks median (#935 of 1410)
No single metric tells the full story. See the CMBNF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Cembra Money Bank AG is a consumer finance bank operating in Switzerland. The company has two operating segments: Lending and Payments. The company provides financial solutions to its customers. The products offered by the company include consumer credit products such as personal loans, Auto loans and leasing, credit cards, Insurance products, Buy now pay later/invoice financing, and deposits and savings products. The company generates revenue from the Interest Income and Commission and fee income, with the majority of revenue generated from Interest Income. The majority revenue is from Lending Segment.
62GF Score
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Earnings per Share (Diluted) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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