Cembra Money Bank AGCMBNF 62 Return-on-Tangible-Equity is 17.04% as of Dec. 2025, which is 2% below its 10-year median of 17.33. 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 1,521 Banks companies, Cembra Money Bank AG ranks better than 80.01% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. Cembra Money Bank AG's annualized net income for the quarter that ended in Dec. 2025 was $231.8 Mil. Cembra Money Bank AG's average shareholder tangible equity for the quarter that ended in Dec. 2025 was $1,360.4 Mil. Therefore, Cembra Money Bank AG's annualized Return-on-Tangible-Equity for the quarter that ended in Dec. 2025 was 17.04%.
The historical rank and industry rank for Cembra Money Bank AG's Return-on-Tangible-Equity or its related term are showing as below:
CMBNF'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 15.2 Med: 17.33 Max: 18.46
Current: 16.47
During the past 13 years, Cembra Money Bank AG's highest Return-on-Tangible-Equity was 18.46%. The lowest was 15.20%. And the median was 17.33%.
CMBNF's Return-on-Tangible-Equity is ranked better than 80.01% of 1521
companies
in the Banks industry
Industry Median: 11.23
vs CMBNF: 16.47
Cembra Money Bank AG (OTCPK:CMBNF) Return-on-Tangible-Equity Explanation
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
Cembra Money Bank AG Return-on-Tangible-Equity Related Terms
Cembra Money Bank AG Return-on-Tangible-Equity Historical Data
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The historical data trend for Cembra Money Bank AG's Return-on-Tangible-Equity 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 Return-on-Tangible-Equity Chart
Cembra Money Bank AG Return-on-Tangible-Equity Competitor Comparison
For the Banks - Regional subindustry, Cembra Money Bank AG's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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 Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Cembra Money Bank AG's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Cembra Money Bank AG's Return-on-Tangible-Equity 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.
In the calculation of annual Return-on-Tangible-Equity, the net income of the last fiscal year and the average total shareholder tangible equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is two times the semi-annual (Dec. 2025) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 17.04% mean?
Cembra Money Bank AG (CMBNF) has a Return-on-Tangible-Equity of 17.04% as of Dec. 2025. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Cembra Money Bank AG and its competitors. This is near median its historical median of 17.33. Over the past decade, Cembra Money Bank AG's Return-on-Tangible-Equity has ranged from 15.20 to 18.46. According to the industry distribution chart, Cembra Money Bank AG ranks #304 out of 1521 companies in the Banks industry, placing it in the top 20%.
Is Cembra Money Bank AG's Return-on-Tangible-Equity too high?
Cembra Money Bank AG's current Return-on-Tangible-Equity of 17.04% is near median its 10-year median of 17.33. Over the past 10 years, this metric has ranged from a low of 15.20 to a high of 18.46. The Banks industry median Return-on-Tangible-Equity is 11.23. Cembra Money Bank AG's value of 17.04% is 51.7% above this industry median. Based on the distribution chart, Cembra Money Bank AG ranks #304 out of 1521 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 Return-on-Tangible-Equity compare to competitors?
According to the Banks industry distribution chart, Cembra Money Bank AG ranks #304 out of 1521 companies for Return-on-Tangible-Equity. This places Cembra Money Bank AG in the top 20% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Equity is 11.23. Cembra Money Bank AG's value of 17.04% is 51.7% above this benchmark. Historically, Cembra Money Bank AG's own Return-on-Tangible-Equity has ranged from 15.20 to 18.46 over the past decade. While the company's 10-year median is 17.33 vs. the industry median of 11.23, 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 Return-on-Tangible-Equity for a Banks company?
The median Return-on-Tangible-Equity among Banks companies is 11.23, based on 1,521 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Cembra Money Bank AG's current Return-on-Tangible-Equity of 17.04% is 51.7% 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 Return-on-Tangible-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Cembra Money Bank AG and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.23 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Cembra Money Bank AG's current Return-on-Tangible-Equity is 17.04%, which is near median its own 10-year median of 17.33. 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 Return-on-Tangible-Equity of 17.04%. 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 Return-on-Tangible-Equity is 17.04%, which is near median its 10-year median of 17.33 and 51.7% above the Banks industry median of 11.23. 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 Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For Cembra Money Bank AG (CMBNF), the current Return-on-Tangible-Equity is 17.04% 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:
Return-on-Tangible-Equity: 17.04% (near median its 10-year median of 17.33)
GF Value™: $106.79 vs. price of $126.00 (18% above fair value)
Industry Position: 51.7% above the Banks median (#304 of 1521)
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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