Cembra Money Bank AGCMBNF 62 5-Year Yield-on-Cost % is 5.21 as of Jun. 25, 2026, which is 7% above its 10-year median of 4.85. 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 1,250 Banks companies, Cembra Money Bank AG ranks better than 67.76% on this metric.
Cembra Money Bank AG's yield on cost for the quarter that ended in Dec. 2025 was 5.21.
The historical rank and industry rank for Cembra Money Bank AG's 5-Year Yield-on-Cost % or its related term are showing as below:
CMBNF'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 3.4 Med: 4.85 Max: 7.49
Current: 5.21
During the past 13 years, Cembra Money Bank AG's highest Yield on Cost was 7.49. The lowest was 3.40. And the median was 4.85.
CMBNF's 5-Year Yield-on-Cost % is ranked better than 67.76% of 1250
companies
in the Banks industry
Industry Median: 3.96
vs CMBNF: 5.21
Cembra Money Bank AG (OTCPK:CMBNF) 5-Year Yield-on-Cost % Explanation
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
Cembra Money Bank AG 5-Year Yield-on-Cost % Related Terms
Cembra Money Bank AG 5-Year Yield-on-Cost % Competitor Comparison
For the Banks - Regional subindustry, Cembra Money Bank AG's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, Cembra Money Bank AG's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where Cembra Money Bank AG's 5-Year Yield-on-Cost % falls into.
Cembra Money Bank AG 5-Year Yield-on-Cost % Calculation
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
Cembra Money Bank AG (CMBNF) has a 5-Year Yield-on-Cost % of 5.21 as of Jun. 25, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Cembra Money Bank AG and its competitors. This is near median its historical median of 4.85. Over the past decade, Cembra Money Bank AG's 5-Year Yield-on-Cost % has ranged from 3.40 to 7.49. According to the industry distribution chart, Cembra Money Bank AG ranks #403 out of 1250 companies in the Banks industry, placing it in the top 32.2%.
Is Cembra Money Bank AG's 5-Year Yield-on-Cost % too high?
Cembra Money Bank AG's current 5-Year Yield-on-Cost % of 5.21 is near median its 10-year median of 4.85. Over the past 10 years, this metric has ranged from a low of 3.40 to a high of 7.49. The Banks industry median 5-Year Yield-on-Cost % is 3.96. Cembra Money Bank AG's value of 5.21 is 31.6% above this industry median. Based on the distribution chart, Cembra Money Bank AG ranks #403 out of 1250 companies in the Banks industry, which is above the industry midpoint. 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 5-Year Yield-on-Cost % compare to competitors?
According to the Banks industry distribution chart, Cembra Money Bank AG ranks #403 out of 1250 companies for 5-Year Yield-on-Cost %. This puts Cembra Money Bank AG in the upper half of its industry. The industry median 5-Year Yield-on-Cost % is 3.96. Cembra Money Bank AG's value of 5.21 is 31.6% above this benchmark. Historically, Cembra Money Bank AG's own 5-Year Yield-on-Cost % has ranged from 3.40 to 7.49 over the past decade. While the company's 10-year median is 4.85 vs. the industry median of 3.96, 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 5-Year Yield-on-Cost % for a Banks company?
The median 5-Year Yield-on-Cost % among Banks companies is 3.96, based on 1,250 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Cembra Money Bank AG's current 5-Year Yield-on-Cost % of 5.21 is 31.6% 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Cembra Money Bank AG and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.96 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Cembra Money Bank AG's current 5-Year Yield-on-Cost % is 5.21, which is near median its own 10-year median of 4.85. 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 5-Year Yield-on-Cost % of 5.21. 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 5-Year Yield-on-Cost % is 5.21, which is near median its 10-year median of 4.85 and 31.6% above the Banks industry median of 3.96. 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 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For Cembra Money Bank AG (CMBNF), the current 5-Year Yield-on-Cost % is 5.21 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:
5-Year Yield-on-Cost %: 5.21 (near median its 10-year median of 4.85)
GF Value™: $106.79 vs. price of $126.00 (18% above fair value)
Industry Position: 31.6% above the Banks median (#403 of 1250)
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
Get the complete analysis for CMBNF
5-Year Yield-on-Cost % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
CMBNF has been successfully added to your 