Cembra Money Bank AGXSWX:CMBN -0.68%62 PB Ratio is 2.08 as of Jun. 25, 2026, which is 14% below its 10-year median of 2.42. GuruFocus rates XSWX:CMBN with a GF Score™ of 62/100 and a GF Value™ of CHF81.39 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 1,515 Banks companies, Cembra Money Bank AG ranks worse than 90.03% on this metric.
The historical rank and industry rank for Cembra Money Bank AG's PB Ratio or its related term are showing as below:
XSWX:CMBN'
s PB Ratio Range Over the Past 10 Years
Min: 1.38 Med: 2.42 Max: 3.35
Current: 2.08
During the past 13 years, Cembra Money Bank AG's highest PB Ratio was 3.35. The lowest was 1.38. And the median was 2.42.
XSWX:CMBN's PB Ratio is ranked worse than 90.03% of 1515
companies
in the Banks industry
Industry Median: 1.08
vs XSWX:CMBN: 2.08
During the past 12 months, Cembra Money Bank AG's average Book Value Per Share Growth Rate was 4.80% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 1.90% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 3.20% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 5.10% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Cembra Money Bank AG was 19.20% per year. The lowest was -7.70% per year. And the median was 3.80% per year.
Back to Basics: PB Ratio
Cembra Money Bank AG (XSWX:CMBN) PB Ratio Explanation
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
Cembra Money Bank AG PB Ratio Related Terms
Cembra Money Bank AG PB Ratio Historical Data
* Premium members only.
The historical data trend for Cembra Money Bank AG's PB Ratio 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 PB Ratio Competitor Comparison
For the Banks - Regional subindustry, Cembra Money Bank AG's PB Ratio, along with its competitors' market caps and PB 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 PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Cembra Money Bank AG's PB Ratio distribution charts can be found below:
* The bar in red indicates where Cembra Money Bank AG's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
Cembra Money Bank AG (XSWX:CMBN) has a PB Ratio of 2.08 as of Jun. 25, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Cembra Money Bank AG and its competitors. This is 14% below median its historical median of 2.42. Over the past decade, Cembra Money Bank AG's PB Ratio has ranged from 1.38 to 3.35. According to the industry distribution chart, Cembra Money Bank AG ranks #1364 out of 1515 companies in the Banks industry, placing it in the top 90%.
Is Cembra Money Bank AG's PB Ratio too high?
Cembra Money Bank AG's current PB Ratio of 2.08 is 14% below median its 10-year median of 2.42. Over the past 10 years, this metric has ranged from a low of 1.38 to a high of 3.35. The Banks industry median PB Ratio is 1.08. Cembra Money Bank AG's value of 2.08 is 92.6% above this industry median. Based on the distribution chart, Cembra Money Bank AG ranks #1364 out of 1515 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Cembra Money Bank AG has a GF Score™ of 62/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Cembra Money Bank AG's PB Ratio compare to competitors?
According to the Banks industry distribution chart, Cembra Money Bank AG ranks #1364 out of 1515 companies for PB Ratio. This places Cembra Money Bank AG in the lower half of its industry. The industry median PB Ratio is 1.08. Cembra Money Bank AG's value of 2.08 is 92.6% above this benchmark. Historically, Cembra Money Bank AG's own PB Ratio has ranged from 1.38 to 3.35 over the past decade. While the company's 10-year median is 2.42 vs. the industry median of 1.08, Cembra Money Bank AG has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good PB Ratio for a Banks company?
The median PB Ratio among Banks companies is 1.08, based on 1,515 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Cembra Money Bank AG's current PB Ratio of 2.08 is 92.6% 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Cembra Money Bank AG and its competitors. For the Banks industry, the median PB Ratio is 1.08 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Cembra Money Bank AG's current PB Ratio is 2.08, which is 14% below median its own 10-year median of 2.42. 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?
Based on GuruFocus' analysis, Cembra Money Bank AG (XSWX:CMBN) is currently considered Modestly Overvalued. The stock's GF Value™ is CHF81.39, compared to a current price of CHF95.45 — trading 17.3% above its estimated fair value. The current PB Ratio is 2.08, which is 14% below median its 10-year median of 2.42 and 92.6% above the Banks industry median of 1.08. 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 PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For Cembra Money Bank AG (XSWX:CMBN), the current PB Ratio is 2.08 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 (XSWX:CMBN) Overvalued in 2026?
Based on GuruFocus' analysis, Cembra Money Bank AG stock appears to be overvalued.
The current stock price of CHF95.45 is trading 17.3% above its estimated GF Value™ of CHF81.39.
GuruFocus considers Cembra Money Bank AG to be Modestly Overvalued.
Key valuation signals for XSWX:CMBN:
PB Ratio: 2.08 (14% below median its 10-year median of 2.42)
GF Value™: CHF81.39 vs. price of CHF95.45 (17.3% above fair value)
Industry Position: 92.6% above the Banks median (#1364 of 1515)
No single metric tells the full story. See the XSWX:CMBN 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
Get the complete analysis for XSWX:CMBN
PB Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
XSWX:CMBN has been successfully added to your 
