Cembra Money Bank AG (CMBN) - Net Assets

Latest as of June 2025: CHF1.25 Billion CHF ≈ $1.58 Billion USD

Based on the latest financial reports, Cembra Money Bank AG (CMBN) has net assets worth CHF1.25 Billion CHF (≈ $1.58 Billion USD) as of June 2025. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets (CHF7.92 Billion ≈ $10.01 Billion USD) and total liabilities (CHF6.67 Billion ≈ $8.44 Billion USD). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off. Check Cembra Money Bank AG asset resilience ratio to evaluate the company's liquid asset resilience ratio.

Key Net Assets Metrics

Metric	Value
Current Net Assets	CHF1.25 Billion
% of Total Assets	15.74%
Annual Growth Rate	1.65%
5-Year Change	14.03%
10-Year Change	60.77%
Growth Volatility	11.85

Cembra Money Bank AG - Net Assets Trend (2007–2024)

This chart illustrates how Cembra Money Bank AG's net assets have evolved over time, based on quarterly financial data. Also explore Cembra Money Bank AG assets under control for the complete picture of this company's asset base.

Annual Net Assets for Cembra Money Bank AG (2007–2024)

The table below shows the annual net assets of Cembra Money Bank AG from 2007 to 2024. For live valuation and market cap data, see CMBN market cap overview.

Year	Net Assets	Change
2024-12-31	CHF1.29 Billion ≈ $1.62 Billion	+2.83%
2023-12-31	CHF1.25 Billion ≈ $1.58 Billion	-1.94%
2022-12-31	CHF1.27 Billion ≈ $1.61 Billion	+6.18%
2021-12-31	CHF1.20 Billion ≈ $1.52 Billion	+6.50%
2020-12-31	CHF1.13 Billion ≈ $1.42 Billion	+3.34%
2019-12-31	CHF1.09 Billion ≈ $1.38 Billion	+16.83%
2018-12-31	CHF933.45 Million ≈ $1.18 Billion	+5.42%
2017-12-31	CHF885.46 Million ≈ $1.12 Billion	+4.39%
2016-12-31	CHF848.20 Million ≈ $1.07 Billion	+6.11%
2015-12-31	CHF799.35 Million ≈ $1.01 Billion	-5.11%
2014-12-31	CHF842.38 Million ≈ $1.06 Billion	+5.38%
2013-12-31	CHF799.34 Million ≈ $1.01 Billion	-27.22%
2012-12-31	CHF1.10 Billion ≈ $1.39 Billion	+13.90%
2011-12-31	CHF964.23 Million ≈ $1.22 Billion	+16.97%
2009-12-31	CHF824.33 Million ≈ $1.04 Billion	-22.60%
2008-12-31	CHF1.06 Billion ≈ $1.35 Billion	+9.37%
2007-12-31	CHF973.71 Million ≈ $1.23 Billion	--

Equity Component Analysis

This analysis shows how different components contribute to Cembra Money Bank AG's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.

Equity Composition Insights

Retained earnings have grown by 11.4% over the analyzed period, indicating profitable operations and earnings retention.

Current Equity Component Breakdown (December 2024)

Component	Amount	Percentage
Retained Earnings	CHF1.05 Billion	81.77%
Common Stock	CHF30.00 Million	2.33%
Other Comprehensive Income	CHF-16.83 Million	-1.31%
Other Components	CHF221.06 Million	17.20%
Total Equity	CHF1.29 Billion	100.00%

Cembra Money Bank AG Competitors by Market Cap

The table below lists competitors of Cembra Money Bank AG ranked by their market capitalization.

Company	Market Cap
HEXPOL AB (publ) ST:HPOL-B	$2.67 Billion
Endeavour Silver Corp. TO:EDR	$2.67 Billion
Angang Steel Co Ltd Class A SHE:000898	$2.67 Billion
FRASERS PROPERTY F:1IQ	$2.67 Billion
ATS CORP. F:ATO0	$2.67 Billion
Shandong Dongyue Organosilicon Mat SHE:300821	$2.67 Billion
Liaoning Cheng Da Co Ltd SHG:600739	$2.66 Billion
Guangshen Railway Co Ltd SHG:601333	$2.66 Billion

Equity Growth Attribution

This analysis shows how different factors contributed to changes in Cembra Money Bank AG's equity between the two most recent reporting periods.

Equity Growth Insights

From 2023 to 2024, total equity changed from 1,249,738,000 to 1,285,117,000, a change of 35,379,000 (2.8%).
Net income of 170,397,000 contributed positively to equity growth.
Dividend payments of 117,394,000 reduced retained earnings.
Share repurchases of 2,117,000 reduced equity.
Other comprehensive income decreased equity by 17,394,000.

Equity Change Factors (2023 to 2024)

Factor	Impact	Contribution
Net Income	CHF170.40 Million	+13.26%
Dividends Paid	CHF117.39 Million	-9.13%
Share Repurchases	CHF2.12 Million	-0.16%
Other Comprehensive Income	CHF-17.39 Million	-1.35%
Other Changes	CHF1.89 Million	+0.15%
Total Change	CHF-	2.83%

Book Value vs Market Value Analysis

This analysis compares Cembra Money Bank AG's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.

Valuation Insights

Current price-to-book ratio: 2.18x
The company is trading above its book value, indicating the market recognizes value beyond its reported assets.
The price-to-book ratio has decreased from 2.94x to 2.18x over the analyzed period, indicating reduced market premium.

Historical Price-to-Book Ratios

Date	Book Value per Share	Market Price	P/B Ratio
2007-12-31	CHF32.46	CHF95.55	x
2008-12-31	CHF35.50	CHF95.55	x
2009-12-31	CHF27.48	CHF95.55	x
2011-12-31	CHF32.14	CHF95.55	x
2012-12-31	CHF36.61	CHF95.55	x
2013-12-31	CHF26.65	CHF95.55	x
2014-12-31	CHF28.09	CHF95.55	x
2015-12-31	CHF27.72	CHF95.55	x
2016-12-31	CHF30.06	CHF95.55	x
2017-12-31	CHF31.39	CHF95.55	x
2018-12-31	CHF33.09	CHF95.55	x
2019-12-31	CHF37.86	CHF95.55	x
2020-12-31	CHF38.34	CHF95.55	x
2021-12-31	CHF40.83	CHF95.55	x
2022-12-31	CHF43.39	CHF95.55	x
2023-12-31	CHF42.55	CHF95.55	x
2024-12-31	CHF43.75	CHF95.55	x

Capital Efficiency Dashboard

This dashboard shows how efficiently Cembra Money Bank AG utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.

Capital Efficiency Insights

Current Return on Equity (ROE): 13.26%
The company shows good efficiency in utilizing shareholder equity.
DuPont Analysis Breakdown:
• Net Profit Margin: 30.96%
• Asset Turnover: 0.07x
• Equity Multiplier: 6.19x
Recent ROE (13.26%) is below the historical average (13.83%), suggesting potential challenges in capital efficiency.

Historical Capital Efficiency Metrics

Year	Return on Equity	Net Profit Margin	Asset Turnover	Equity Multiplier	Economic Value Added
2007	7.73%	20.33%	0.06x	6.70x	CHF-22.10 Million
2008	8.57%	26.79%	0.06x	5.80x	CHF-15.23 Million
2009	10.61%	25.95%	0.06x	7.34x	CHF5.04 Million
2011	14.10%	36.18%	0.09x	4.57x	CHF39.58 Million
2012	12.20%	37.89%	0.08x	4.04x	CHF24.20 Million
2013	16.62%	38.24%	0.08x	5.74x	CHF52.94 Million
2014	16.60%	41.31%	0.07x	5.71x	CHF55.61 Million
2015	18.14%	42.03%	0.07x	5.94x	CHF65.08 Million
2016	16.94%	41.12%	0.07x	5.73x	CHF58.89 Million
2017	16.32%	41.14%	0.07x	5.76x	CHF55.95 Million
2018	16.51%	39.64%	0.07x	5.83x	CHF60.78 Million
2019	14.60%	31.37%	0.07x	6.87x	CHF50.14 Million
2020	13.57%	29.18%	0.07x	6.44x	CHF40.22 Million
2021	13.45%	31.48%	0.07x	5.92x	CHF41.47 Million
2022	13.28%	31.45%	0.07x	6.01x	CHF41.86 Million
2023	12.65%	34.45%	0.06x	6.47x	CHF33.06 Million
2024	13.26%	30.96%	0.07x	6.19x	CHF41.89 Million

Industry Comparison

This section compares Cembra Money Bank AG's net assets metrics with peer companies in the Banks - Regional industry.

Industry Context

Industry: Banks - Regional
Average net assets among peers: $2,214,492,593
Average return on equity (ROE) among peers: 7.59%

Peer Company Comparison

Company	Net Assets	Return on Equity	Debt-to-Equity	Market Cap
Cembra Money Bank AG (CMBN)	CHF1.25 Billion	7.73%	5.35x	$2.67 Billion
Banque Cantonale de Geneve (BCGE)	$1.98 Billion	8.87%	14.14x	$2.19 Billion
Banque Cantonale Du Jura SA (BCJ)	$123.90 Million	6.80%	17.01x	$233.49 Million
Banque Cantonale Vaudoise (BCVN)	$3.23 Billion	14.68%	9.96x	$10.36 Billion
Berner Kantonalbank AG (BEKN)	$3.00 Billion	6.02%	12.50x	$3.30 Billion
Basellandschaftliche Kantonalbank (BLKB)	$3.01 Billion	3.97%	11.48x	$613.95 Million
Basler Kantonalbank (BSKP)	$3.14 Billion	7.29%	11.47x	$545.67 Million
Glarner Kantonalbank (GLKBN)	$303.53 Million	5.78%	16.39x	$305.10 Million
Graubuendner Kantonalbank (GRKP)	$3.01 Billion	7.18%	11.06x	$1.59 Billion
Liechtensteinische Landesbank AG (LLBN)	$2.13 Billion	7.72%	11.06x	$2.87 Billion

About Cembra Money Bank AG

SW:CMBN Switzerland Banks - Regional

Market Cap

$3.54 Billion

CHF2.80 Billion CHF

Market Cap Rank

#5308 Global

#76 in Switzerland

Share Price

CHF95.55

Change (1 day)

+0.10%

52-Week Range

CHF88.95 - CHF104.60

All Time High

CHF104.60