CMBNF (Cembra Money Bank AG) Moat Score: 5/10 (As of Jun. 25, 2026)


CMBNF Cembra Money Bank AG CMBNF
62 GF Score
Price $126.00
GF Value $106.79
! 5 Warning Signs
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What is Cembra Money Bank AG Moat Score?

Cembra Money Bank AG CMBNF 62 Moat Score is 5 as of Jun. 25, 2026. GuruFocus rates CMBNF with a GF Score™ of 62/100 and a GF Value™ of $106.79. The stock has 5 warning signs investors should review. Among 1,609 Banks companies, Cembra Money Bank AG ranks better than 93.97% on this metric.

Cembra Money Bank AG has the Moat Score of 5, which implies that the company might have Narrow Moat - Solid narrow moat.

Cembra Money Bank AG has Narrow Moat: Cembra Money Bank has a solid narrow moat with a strong presence in the Swiss consumer finance market. It benefits from regulatory barriers and customer loyalty. However, its moat is limited by the competitive nature of the financial services industry and lack of significant international presence.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Cembra Money Bank AG might have Narrow Moat - Solid narrow moat.

Cembra Money Bank AG  (OTCPK:CMBNF) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Cembra Money Bank AG Moat Score Related Terms

Cembra Money Bank AG Moat Score Competitor Comparison

For the Banks - Regional subindustry, Cembra Money Bank AG's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs Banks Industry

For the Banks industry and Financial Services sector, Cembra Money Bank AG's Moat Score distribution charts can be found below:

* The bar in red indicates where Cembra Money Bank AG's Moat Score falls into.


CMBNF
62GF Score
Cembra Money Bank AG CMBNF
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 5 mean?
Cembra Money Bank AG (CMBNF) has a Moat Score of 5 as of Jun. 25, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Cembra Money Bank AG ranks #97 out of 1609 companies in the Banks industry, placing it in the top 6%.
Is Cembra Money Bank AG's Moat Score too high?
Cembra Money Bank AG's current Moat Score is 5. Based on the distribution chart, Cembra Money Bank AG ranks #97 out of 1609 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. 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 Moat Score compare to competitors?
According to the Banks industry distribution chart, Cembra Money Bank AG ranks #97 out of 1609 companies for Moat Score. This places Cembra Money Bank AG in the top 6% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Cembra Money Bank AG's current Moat Score is 5. 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 Moat Score of 5. 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 Moat Score is 5. 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 Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Cembra Money Bank AG (CMBNF), the current Moat Score is 5 as of Jun. 25, 2026. 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:

  • Moat Score: 5
  • GF Value™: $106.79 vs. price of $126.00 (18% above fair value)
  • GF Score™: 62/100 with 5 warning signs

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 Business Description

Address Bandliweg 20, Zurich, CHE, 8048
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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Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$126.00
Price
$106.79
GF Value