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Cembra Money Bank AGCMBNF 59 Price-to-Owner-Earnings is 20.72 as of Jul. 21, 2026, which is 40% above its 10-year median of 14.83. GuruFocus rates CMBNF with a GF Score™ of 59/100 and a GF Value™ of $113.25. The stock has 3 warning signs investors should review. Among 1,044 Banks companies, Cembra Money Bank AG ranks worse than 84.39% on this metric.
As of today (2026-07-21), Cembra Money Bank AG's share price is $126.00.
Cembra Money Bank AG's Owner Earnings per Share (TTM) ended in Dec. 2025 was $6.08. It's Price-to-Owner-Earnings for today is 20.72.
The historical rank and industry rank for Cembra Money Bank AG's Price-to-Owner-Earnings or its related term are showing as below:
CMBNF'
s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 9.56 Med: 14.83 Max: 24.02
Current: 20.73
During the past 13 years, the highest Price-to-Owner-Earnings of Cembra Money Bank AG was 24.02. The lowest was 9.56. And the median was 14.83.
CMBNF's Price-to-Owner-Earnings is ranked worse than 84.39% of 1044
companies
in the Banks industry
Industry Median: 10.385
vs CMBNF: 20.73
Cembra Money Bank AG Price-to-Owner-Earnings Related Terms
Cembra Money Bank AG Price-to-Owner-Earnings Historical Data
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The historical data trend for Cembra Money Bank AG's Price-to-Owner-Earnings 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 Price-to-Owner-Earnings Chart
Cembra Money Bank AG Price-to-Owner-Earnings Competitor Comparison
For the Banks - Regional subindustry, Cembra Money Bank AG's Price-to-Owner-Earnings, along with its competitors' market caps and Price-to-Owner-Earnings 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 Price-to-Owner-Earnings vs Banks Industry
For the Banks industry and Financial Services sector, Cembra Money Bank AG's Price-to-Owner-Earnings distribution charts can be found below:
* The bar in red indicates where Cembra Money Bank AG's Price-to-Owner-Earnings falls into.
"These represent (a) reported earnings plus (b) depreciation, depletion, amortization, and certain other non-cash charges...less (c) the average annual amount of capitalized expenditures for plant and equipment, etc. that the business requires to fully maintain its long-term competitive position and its unit volume. (If the business requires additional working capital to maintain its competitive position and unit volume, the increment also should be included in (c))...Our owner-earnings equation does not yield the deceptively precise figures provided by GAAP, since (c) must be a guess - and one sometimes very difficult to make. Despite this problem, we consider the owner earnings figure, not the GAAP figure, to be the relevant item for valuation purposes - both for investors in buying stocks and for managers in buying entire businesses...All of this points up the absurdity of the 'cash flow' numbers that are often set forth in Wall Street reports. These numbers routinely include (a) plus (b) - but do not subtract (c)."
* 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.
What does a Price-to-Owner-Earnings of 20.72 mean?
Cembra Money Bank AG (CMBNF) has a Price-to-Owner-Earnings of 20.72 as of Jul. 21, 2026. Price-to-owner-earnings ratio is the ratio of share price to a company's Buffett owner earnings per share. View historical data on Cembra Money Bank AG and its competitors. This is 40% above median its historical median of 14.83. Over the past decade, Cembra Money Bank AG's Price-to-Owner-Earnings has ranged from 9.56 to 24.02. According to the industry distribution chart, Cembra Money Bank AG ranks #881 out of 1044 companies in the Banks industry, placing it in the top 84.4%.
Is Cembra Money Bank AG's Price-to-Owner-Earnings too high?
Cembra Money Bank AG's current Price-to-Owner-Earnings of 20.72 is 40% above median its 10-year median of 14.83. Over the past 10 years, this metric has ranged from a low of 9.56 to a high of 24.02. The Banks industry median Price-to-Owner-Earnings is 10.39. Cembra Money Bank AG's value of 20.72 is 99.5% above this industry median. Based on the distribution chart, Cembra Money Bank AG ranks #881 out of 1044 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Cembra Money Bank AG has a GF Score™ of 59/100, reflecting its overall financial health beyond just this single metric.
How does Cembra Money Bank AG's Price-to-Owner-Earnings compare to competitors?
According to the Banks industry distribution chart, Cembra Money Bank AG ranks #881 out of 1044 companies for Price-to-Owner-Earnings. This places Cembra Money Bank AG in the lower half of its industry. The industry median Price-to-Owner-Earnings is 10.39. Cembra Money Bank AG's value of 20.72 is 99.5% above this benchmark. Historically, Cembra Money Bank AG's own Price-to-Owner-Earnings has ranged from 9.56 to 24.02 over the past decade. While the company's 10-year median is 14.83 vs. the industry median of 10.39, 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 Price-to-Owner-Earnings for a Banks company?
The median Price-to-Owner-Earnings among Banks companies is 10.39, based on 1,044 companies in the industry. Companies in the top quartile (top 25%) have a Price-to-Owner-Earnings significantly above this median, while those in the bottom quartile fall well below. However, Price-to-Owner-Earnings should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Cembra Money Bank AG's current Price-to-Owner-Earnings of 20.72 is 99.5% 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 Price-to-Owner-Earnings mean?
A high Price-to-Owner-Earnings can signal that a stock is expensive relative to its fundamentals. Price-to-owner-earnings ratio is the ratio of share price to a company's Buffett owner earnings per share. View historical data on Cembra Money Bank AG and its competitors. For the Banks industry, the median Price-to-Owner-Earnings is 10.39 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Cembra Money Bank AG's current Price-to-Owner-Earnings is 20.72, which is 40% above median its own 10-year median of 14.83. 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 Price-to-Owner-Earnings of 20.72. The stock's GF Value™ is $113.25, compared to a current price of $126.00 — trading 11.3% above its estimated fair value. The current Price-to-Owner-Earnings is 20.72, which is 40% above median its 10-year median of 14.83 and 99.5% above the Banks industry median of 10.39. Cembra Money Bank AG's overall GF Score™ is 59/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Price-to-Owner-Earnings calculated?
Price-to-Owner-Earnings is calculated from a company's financial statements. For Cembra Money Bank AG (CMBNF), the current Price-to-Owner-Earnings is 20.72 as of Jul. 21, 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 11.3% above its estimated GF Value™ of $113.25.
Key valuation signals for CMBNF:
Price-to-Owner-Earnings: 20.72 (40% above median its 10-year median of 14.83)
GF Value™: $113.25 vs. price of $126.00 (11.3% above fair value)
Industry Position: 99.5% above the Banks median (#881 of 1044)
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.
59GF Score
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