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C

Cembra Money Bank CMBN.SW · CHF

Financials · SIX · 🇨🇭 Switzerland

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84.30

+0.12%

Close of 9 Nov 2026, in CHF

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Reference data, closing prices and charts across 45,000 companies, plus crypto, commodities and currencies.

At a glance

Figures in CHF, from our data supplier.

FY2025

Revenue, before interest expense

CHF 635.1m

FY2016FY2025

Net income

CHF 180.0m

FY2016FY2025

Total assets

CHF 7.94bn

FY2016FY2025

Shareholders' equity

CHF 1.35bn

FY2016FY2025

Income statement

Fiscal years

FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Revenue, before interest expenseCHF 635.1mCHF 550.5mCHF 458.8mCHF 538.3mCHF 513.1mCHF 524.1mCHF 507.5mCHF 388.8mCHF 351.3mCHF 349.4m
Operating incomeCHF 223.4mCHF 285.9mCHF 196.2mCHF 210.5mCHF 200.5mCHF 193.4mCHF 202.9mCHF 195.7mCHF 183.3mCHF 182.5m
Net incomeCHF 180.0mCHF 170.4mCHF 158.0mCHF 169.3mCHF 161.5mCHF 152.9mCHF 159.2mCHF 154.1mCHF 144.5mCHF 143.7m
Diluted earnings per share6.005.805.385.765.495.205.415.465.125.09

Balance sheet

At each fiscal year end

FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Total assetsCHF 7.94bnCHF 7.95bnCHF 8.09bnCHF 7.66bnCHF 7.10bnCHF 7.26bnCHF 7.50bnCHF 5.44bnCHF 5.10bnCHF 4.86bn
Cash and short-term investmentsCHF 781.0mCHF 793.2mCHF 922.0mCHF 632.6mCHF 544.8mCHF 599.0mCHF 542.6mCHF 499.3mCHF 418.4mCHF 668.9m
Total liabilitiesCHF 6.60bnCHF 6.66bnCHF 6.84bnCHF 6.38bnCHF 5.90bnCHF 6.13bnCHF 6.41bnCHF 4.51bnCHF 4.21bnCHF 4.01bn
DebtCHF 2.81bnCHF 2.90bnCHF 3.10bnCHF 2.61bnCHF 2.49bnCHF 2.57bnCHF 2.64bnCHF 1.50bnCHF 1.42bnCHF 1.52bn
Shareholders' equityCHF 1.35bnCHF 1.29bnCHF 1.25bnCHF 1.27bnCHF 1.20bnCHF 1.13bnCHF 1.09bnCHF 933.5mCHF 885.5mCHF 848.2m
Shares outstanding30m29m29m29m29m29m29m28m28m28m

Latest quarters

By quarter end

Jun 2026Dec 2025Jun 2025Dec 2024Jun 2024Dec 2023Jun 2023Mar 2023
Revenue, before interest expenseCHF 254.3mCHF 320.1mCHF 235.9mCHF 334.7mCHF 232.8mCHF 307.3mCHF 283.3mCHF 141.7m
Operating income—CHF 114.8mCHF 108.6mCHF 114.2mCHF 97.6mCHF 102.7mCHF 93.4m—
Net incomeCHF 92.3mCHF 92.8mCHF 87.2mCHF 92.1mCHF 78.3mCHF 83.0mCHF 75.1mCHF 37.5m
Diluted earnings per share3.153.092.913.132.672.832.561.27
Total assets—CHF 7.94bnCHF 7.92bnCHF 7.95bnCHF 8.28bnCHF 8.09bnCHF 7.74bn—
Cash and short-term investments—CHF 781.0mCHF 743.4mCHF 793.2mCHF 980.5m−CHF 922.0mCHF 599.5m—
Debt—CHF 2.81bnCHF 2.76bnCHF 2.90bnCHF 2.90bnCHF 3.10bnCHF 3.09bn—
Shareholders' equity—CHF 1.35bnCHF 1.25bnCHF 1.29bnCHF 1.21bnCHF 1.25bnCHF 1.18bn—

Financial ratios

Data as of 25 Oct 2026

FY2025FY2024FY2023FY2022FY2021FY2020
Operating margin35.2%38.5%42.8%39.1%39.1%73.8%
Net margin28.3%31.0%34.4%31.5%31.5%29.2%
Return on equity13.4%13.3%12.6%13.3%13.5%13.6%
Return on assets2.3%2.1%2.0%2.2%2.3%2.1%
Revenue growth15.4%20.0%-14.8%4.9%-2.1%3.3%
Earnings growth5.6%7.8%-6.7%4.8%5.6%-3.9%
Current ratio0.22x0.23x1.13x0.85x0.91x1.03x
Debt to equity2.09x2.26x2.48x2.05x2.08x2.28x
Equity ratio16.9%16.2%15.5%16.6%16.9%15.5%
Interest coverage2.42x2.01x2.62x13.43x15.08x28.19x
Buybacks as a share of market value-2.2%-0.0%0.0%0.1%0.0%0.0%

Growth per year

Compound annual rate

3 years5 years10 years
Revenue5.7%3.9%6.3%
Operating income2.0%2.9%2.0%
Net income2.1%3.3%2.2%

Average margins

Over each period

1 year3 years5 years10 years
Operating margin43.0%42.0%40.7%43.7%
Net margin29.6%31.1%30.8%33.7%

Valuation history

At each fiscal year end

FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Price to earnings16.614.112.213.312.120.619.614.317.714.6
Price to sales4.74.44.24.23.86.06.15.77.36.0

Dividends and splits

Per share, in the currency the company pays

Paid for 12 years. Last went ex-dividend on 28 Apr 2026.

FY2026FY2025FY2024FY2023FY2021FY2020FY2019FY2018
Paid in the year5.604.254.003.9511.453.753.753.00

Sources and methodology

Data on this tab
Our data supplier
Chart on the Overview
TradingView

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