Cembra Money Bank AGCMBNF 61 Price-to-Tangible-Book is 2.57 as of Jun. 29, 2026, which is 2% above its 10-year median of 2.51. GuruFocus rates CMBNF with a GF Score™ of 61/100 and a GF Value™ of $107.84. The stock has 5 warning signs investors should review. Among 1,506 Banks companies, Cembra Money Bank AG ranks worse than 91.43% on this metric.
Some businesses have very light assets, such as software companies or insurance agencies. The Price-to-Book Ratio does not work well for these companies. Some companies even have negative equity, so the Price-to-Book Ratio cannot be applied to them.
Cembra Money Bank AG Price-to-Tangible-Book Related Terms
Cembra Money Bank AG Price-to-Tangible-Book Historical Data
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The historical data trend for Cembra Money Bank AG's Price-to-Tangible-Book 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-Tangible-Book Competitor Comparison
For the Banks - Regional subindustry, Cembra Money Bank AG's Price-to-Tangible-Book, along with its competitors' market caps and Price-to-Tangible-Book 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-Tangible-Book vs Banks Industry
For the Banks industry and Financial Services sector, Cembra Money Bank AG's Price-to-Tangible-Book distribution charts can be found below:
* The bar in red indicates where Cembra Money Bank AG's Price-to-Tangible-Book falls into.
* 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 PB Ratio. The difference between Price-to-Tangible-Book Ratio and PB Ratio is that book value other than intangibles are used in the calculation.
Cembra Money Bank AG (CMBNF) has a Price-to-Tangible-Book of 2.57 as of Jun. 29, 2026. Price-to-tangible-book ratio is the ratio of share price to a company's tangible book value per share. View historical data on Cembra Money Bank AG and its competitors. This is near median its historical median of 2.51. Over the past decade, Cembra Money Bank AG's Price-to-Tangible-Book has ranged from 1.86 to 3.70. According to the industry distribution chart, Cembra Money Bank AG ranks #1377 out of 1506 companies in the Banks industry, placing it in the top 91.4%.
Is Cembra Money Bank AG's Price-to-Tangible-Book too high?
Cembra Money Bank AG's current Price-to-Tangible-Book of 2.57 is near median its 10-year median of 2.51. Over the past 10 years, this metric has ranged from a low of 1.86 to a high of 3.70. The Banks industry median Price-to-Tangible-Book is 1.16. Cembra Money Bank AG's value of 2.57 is 121.6% above this industry median. Based on the distribution chart, Cembra Money Bank AG ranks #1377 out of 1506 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Cembra Money Bank AG has a GF Score™ of 61/100, reflecting its overall financial health beyond just this single metric.
How does Cembra Money Bank AG's Price-to-Tangible-Book compare to competitors?
According to the Banks industry distribution chart, Cembra Money Bank AG ranks #1377 out of 1506 companies for Price-to-Tangible-Book. This places Cembra Money Bank AG in the lower half of its industry. The industry median Price-to-Tangible-Book is 1.16. Cembra Money Bank AG's value of 2.57 is 121.6% above this benchmark. Historically, Cembra Money Bank AG's own Price-to-Tangible-Book has ranged from 1.86 to 3.70 over the past decade. While the company's 10-year median is 2.51 vs. the industry median of 1.16, 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-Tangible-Book for a Banks company?
The median Price-to-Tangible-Book among Banks companies is 1.16, based on 1,506 companies in the industry. Companies in the top quartile (top 25%) have a Price-to-Tangible-Book significantly above this median, while those in the bottom quartile fall well below. However, Price-to-Tangible-Book 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-Tangible-Book of 2.57 is 121.6% 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 Price-to-Tangible-Book mean?
A high Price-to-Tangible-Book can signal that a stock is expensive relative to its fundamentals. Price-to-tangible-book ratio is the ratio of share price to a company's tangible book value per share. View historical data on Cembra Money Bank AG and its competitors. For the Banks industry, the median Price-to-Tangible-Book is 1.16 — 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-Tangible-Book is 2.57, which is near median its own 10-year median of 2.51. 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-Tangible-Book of 2.57. The stock's GF Value™ is $107.84, compared to a current price of $126.00 — trading 16.8% above its estimated fair value. The current Price-to-Tangible-Book is 2.57, which is near median its 10-year median of 2.51 and 121.6% above the Banks industry median of 1.16. Cembra Money Bank AG's overall GF Score™ is 61/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Price-to-Tangible-Book calculated?
Price-to-Tangible-Book is calculated from a company's financial statements. For Cembra Money Bank AG (CMBNF), the current Price-to-Tangible-Book is 2.57 as of Jun. 29, 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 16.8% above its estimated GF Value™ of $107.84.
Key valuation signals for CMBNF:
Price-to-Tangible-Book: 2.57 (near median its 10-year median of 2.51)
GF Value™: $107.84 vs. price of $126.00 (16.8% above fair value)
Industry Position: 121.6% above the Banks median (#1377 of 1506)
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.
61GF Score
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