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Cembra Money Bank AG (CMBN.SW) — chart, structure and Closelook read

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Company snapshot — Cembra Money Bank AG

CMBN.SW in five paragraphs: what it makes and sells, where it sits in the Closelook stack, who it is priced against, why we track it, what we watch. Research diary, not advice.

What it does
Cembra Money Bank offers consumer finance in Switzerland: personal and auto loans, vehicle leasing for private and corporate clients, credit cards, and related insurance and investment products. It reaches customers through branches, online channels, car dealers and credit-card partners, and serves private individuals, self-employed people and small enterprises. It is based in Zurich and was renamed from GE Money Bank in 2013.
Where it sits in the stack
Cembra carries no seat in Rubin or Halo, our AI build-out indices, since it sits outside the compute and infrastructure chain. It belongs to the Banks - Regional sleeve of our wider universe, grouped there for its consumer-lending and leasing business rather than any technology exposure.
Who it is priced against
Closelook's peer group has no entry for it, so there is no house comparison set to draw on here; it sits among other Swiss regional and consumer-finance lenders that the market watches for similar loan and leasing volumes.
Why Closelook tracks it
It holds no index seat in Rubin or Halo and carries no Closelook score, so there is nothing yet built on the scoring side; the diary notes it mainly through its chart readings rather than any editorial coverage.
What the diary watches
Whether its share price stabilises against the 50-day and 200-day averages, given it currently sits below both and off its 52-week high.

Cembra Money Bank AG (CMBN.SW) trades on the SW exchange in Switzerland, classified under Financial Services.

The Closelook company score reads 45/100 composite (momentum 30, quality 69, valuation 74) across 7 modules — the full breakdown, chart structure and analog history load live above.

Written from the company’s public profile and Closelook’s own readings, 2026-09-17. Descriptive, refreshed with the registry; corrections welcome via the imprint. closelook.net is an investment research diary — market structure, index membership and scores are our own readings, not investment advice. Related: index compare · sector dispersion · scanner.

Signals for this name

Every Closelook reading that exists for CMBN.SW, from the same nightly bakes the boards use. Research diary readings, not advice.

Who it is priced against Banks - Regional · Switzerland · 8 names with week and year-to-date

Peer group

Banks - Regional · Switzerland

Names in the same industry from the Closelook universe; scored names rank on their Closelook score, the rest on trend state.

Compared against CMBN.SW on the nightly bakes; the Peers tab ranks the cohort on the Closelook scores where it exists.

Dividends and capital return trailing yield 5.28%, annual · buybacks 6 m CHF in FY2025

Dividends and capital return

What CMBN.SW pays out and buys back — distributions read from the price series, money terms from the filings.

  • Trailing 12 months 4.60 CHF per share · a 5.28% yield on the 2026-09-17 close 1 distribution, paid once a year 2026-09-17
  • Change on the year +8.2% against the prior twelve months prior twelve months 4.25 CHF per share
  • Last distribution 4.60 CHF per share as the price series records it, within days of the ex-date 2026-04-28
  • By calendar year 2025: 4.25 CHF (partial) · 2026: 4.60 CHF to date first distribution recorded in the three-year window: 2025-04-28
  • Dividends paid, FY2025 125 m CHF 147% of earnings
  • Buybacks, FY2025 6 m CHF 0.2% of today's market value
  • Share count +2.1% in FY2025
  • Capital returned 131 m CHF · 63% of free cash flow dividends and buybacks together, against the year’s free cash flow

Per-share amounts are derived from the adjusted price series in the listing currency, so dates sit within days of the ex-date; filing figures come from the fundamentals feed for the last reported fiscal year. An investment diary, not a recommendation.

Weather around the name 4 macro readings: Money Temperature, Factor regime, Sector × region …

The weather around this name

Macro readings that apply by membership — the regime, the factor tape, the sector cell, the funding backdrop.

  • Money Temperature Composite 55/100 · S&P 500 fund at 58, above its 50- and 200-day averagesEight instruments scored on position, momentum, volume, volatility and fragility — the regime every name trades inside. Temperature lab → 2026-09-17
  • Factor regime Momentum leading — risk appetite buildingMomentum against low volatility (SPMO / SPLV): above its 50-day trend, 94th percentile of the window, +2.7% over 20 sessions. Factor regime → 2026-09-17
  • Sector × region Financials in Europe: −2.3% week · −0.6% month · +3.8% quarter · +13.4% year (approximated)The Sector Engine cell this name lives in, from EXV1.XETRA+EXV6.XETRA+EXH8.XETRA; the 11 × 4 matrix shows where its sector is being bought and where it is being sold. Sector Engine → 2026-09-16
  • Sovereign pressure Index 0.00 · down 0.41 over 21 sessionsG7 long-end yields, 10s30s and the slope — the funding weather for every balance sheet on this site. Sovereign pressure → 2026-09-17

FAQ · from the current data · as of 2026-09-18

Quick answers

What is Cembra Money Bank AG (CMBN.SW)?

Cembra Money Bank AG trades as CMBN.SW on the SW exchange (Switzerland) and is classified under Financial Services in the Closelook research universe, as of the registry build of 2026-09-18.

Is CMBN.SW in a Closelook index?

Not currently — Cembra Money Bank AG is tracked in the Closelook research universe but is not a constituent of a Closelook functional index as of 2026-09-18.

What is Cembra Money Bank AG's Closelook composite score?

45 out of 100, with momentum 30, quality 69 and valuation 74 sub-scores, as of 2026-09-18. Scores are Closelook's own research readings, not ratings or investment advice.

Where does CMBN.SW trade against its moving averages?

Mixed moving-average stack: Trades -1.8% vs the 50-day and -6.2% vs the 200-day average, 13.4% below the 52-week high and +3.3% off the 52-week low; a death cross printed 29 sessions ago. Computed from daily closes. As of 2026-09-17 — a technical state from the nightly Closelook bake, not advice. The Technical tab carries the full row.

What does Cembra Money Bank AG do?

Cembra Money Bank offers consumer finance in Switzerland: personal and auto loans, vehicle leasing for private and corporate clients, credit cards, and related insurance and investment products. It reaches customers through branches, online channels, car dealers and credit-card partners, and serves private individuals, self-employed people and small enterprises. It is based in Zurich and was renamed from GE Money Bank in 2013. Closelook's peer group has no entry for it, so there is no house comparison set to draw on here; it sits among other Swiss regional and consumer-finance lenders that the market watches for similar loan and leasing volumes.

Where does Cembra Money Bank AG sit in the AI build-out?

Cembra carries no seat in Rubin or Halo, our AI build-out indices, since it sits outside the compute and infrastructure chain. It belongs to the Banks - Regional sleeve of our wider universe, grouped there for its consumer-lending and leasing business rather than any technology exposure. It holds no index seat in Rubin or Halo and carries no Closelook score, so there is nothing yet built on the scoring side; the diary notes it mainly through its chart readings rather than any editorial coverage.

Does Cembra Money Bank AG pay a dividend?

Cembra Money Bank AG has paid 4.60 CHF per share over the last twelve months, paid once a year, a trailing yield of 5.28% on the 2026-09-17 close; the last distribution recorded in the price series was 4.60 CHF on 2026-04-28. In fiscal 2025 the company paid 125 m CHF in dividends and bought back 6 m CHF of its own shares, 63% of that year’s free cash flow. The share count rose 2.1% over the fiscal year. The "Dividends and capital return" block on this page carries the lines.

What does this page show?

A live price chart with SMA overlays and drawing tools for CMBN.SW, performance metrics, index-membership context and the Closelook structure read — an investment research diary view, not investment advice.

Related in the Closelook universe

then Banks - Regional. Scored names rank on their Closelook score; names without one rank on trend state — above or below their 50- and 200-day averages — never on a score they do not carry.