Cembra Money Bank Stock Z Score
| CMBNF Stock | USD 91.31 0.00 0.00% |
What is Altman Z-Score?
The Altman Z-Score is one of the most widely-used financial formulas to predict bankruptcy risk. Developed by Edward Altman in 1968, this model combines five key financial ratios to generate a single score that indicates the likelihood of financial distress within two years.
How to Interpret Cembra Money Z-Score
Z-Score above 3.0: Safe zone - Low bankruptcy risk
Z-Score 2.7 - 3.0: Gray zone - Moderate risk
Z-Score 1.8 - 2.7: Warning zone - Elevated risk
Z-Score below 1.8: Distress zone - High bankruptcy risk
Why Cembra Money Z-Score Matters
Investors use the Z-Score to assess financial health before making investment decisions. A declining Z-Score over time may signal deteriorating fundamentals, while an improving score suggests strengthening financial position. The model evaluates five critical metrics: working capital to assets, retained earnings to assets, EBIT to assets, market value of equity to total liabilities, and sales to assets.
Cembra Money Z-Score Analysis
The module uses available fundamental data of Cembra Money to calculate the Altman Z score based on five fundamental metrics from the company's most recent public disclosure documents. Check out Trending Equities to better understand how to build diversified portfolios, which includes a position in Cembra Money Bank. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in employment.
Cembra |
Cembra Money 'What if' Analysis
In the world of financial modeling, what-if analysis is part of sensitivity analysis performed to test how changes in assumptions impact individual outputs in a model. When applied to Cembra Money's pink sheet what-if analysis refers to the analyzing how the change in your past investing horizon will affect the profitability against the current market value of Cembra Money.
| 11/02/2025 |
| 01/31/2026 |
If you would invest 0.00 in Cembra Money on November 2, 2025 and sell it all today you would earn a total of 0.00 from holding Cembra Money Bank or generate 0.0% return on investment in Cembra Money over 90 days. Cembra Money is related to or competes with Hachijuni Bank, TBC Bank, Sparebanken Vest, and KRUK Spólka. Cembra Money Bank AG provides consumer finance products and services in Switzerland More
Cembra Money Upside/Downside Indicators
Understanding different market momentum indicators often help investors to time their next move. Potential upside and downside technical ratios enable traders to measure Cembra Money's pink sheet current market value against overall market sentiment and can be a good tool during both bulling and bearish trends. Here we outline some of the essential indicators to assess Cembra Money Bank upside and downside potential and time the market with a certain degree of confidence.
Cembra Money Market Risk Indicators
Today, many novice investors tend to focus exclusively on investment returns with little concern for Cembra Money's investment risk. Other traders do consider volatility but use just one or two very conventional indicators such as Cembra Money's standard deviation. In reality, there are many statistical measures that can use Cembra Money historical prices to predict the future Cembra Money's volatility.Cembra Money Bank Backtested Returns
We have found three technical indicators for Cembra Money Bank, which you can use to evaluate the volatility of the firm. The firm shows a Beta (market volatility) of 0.0, which signifies not very significant fluctuations relative to the market. the returns on MARKET and Cembra Money are completely uncorrelated.
Auto-correlation | 1.00 |
Perfect predictability
Cembra Money Bank has perfect predictability. Overlapping area represents the amount of predictability between Cembra Money time series from 2nd of November 2025 to 17th of December 2025 and 17th of December 2025 to 31st of January 2026. The more autocorrelation exist between current time interval and its lagged values, the more accurately you can make projection about the future pattern of Cembra Money Bank price movement. The serial correlation of 1.0 indicates that 100.0% of current Cembra Money price fluctuation can be explain by its past prices.
| Correlation Coefficient | 1.0 | |
| Spearman Rank Test | 1.0 | |
| Residual Average | 0.0 | |
| Price Variance | 0.0 |
To calculate a Z-Score, one would need to know a company's current working capital, its total assets and liabilities, and the amount of its latest earnings as well as earnings before interest and tax. Z-Scores can be used to compare the odds of bankruptcy of companies in a similar line of business or firms operating in the same industry. Companies with Z-Scores above 3.1 are generally considered to be stable and healthy with a low probability of bankruptcy. Scores that fall between 1.8 and 3.1 lie in a so-called 'grey area,' with scores of less than 1 indicating the highest probability of distress. Z Score is a used widely measure by financial auditors, accountants, money managers, loan processors, wealth advisers, and day traders. In the last 25 years, many financial models that utilize z-scores proved it to be successful as a predictor of corporate bankruptcy.
| Competition |
In accordance with the company's disclosures, Cembra Money Bank has a Z Score of 0.0. This is 100.0% lower than that of the Financial Services sector and about the same as Banks—Regional (which currently averages 0.0) industry. The z score for all United States stocks is 100.0% higher than that of the company.
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Cembra Fundamentals
| Return On Equity | 0.15 | |||
| Return On Asset | 0.0241 | |||
| Profit Margin | 0.38 % | |||
| Operating Margin | 0.47 % | |||
| Shares Outstanding | 30 M | |||
| Shares Owned By Insiders | 0.13 % | |||
| Shares Owned By Institutions | 36.04 % | |||
| Price To Earning | 11.69 X | |||
| Price To Book | 1.72 X | |||
| Price To Sales | 4.56 X | |||
| Revenue | 493.49 M | |||
| Gross Profit | 446.74 M | |||
| Net Income | 161.5 M | |||
| Cash And Equivalents | 485.75 M | |||
| Cash Per Share | 16.55 X | |||
| Total Debt | 2.51 B | |||
| Book Value Per Share | 40.07 X | |||
| Cash Flow From Operations | 174.61 M | |||
| Earnings Per Share | 5.99 X | |||
| Number Of Employees | 916 | |||
| Beta | 0.46 | |||
| Market Capitalization | 2.1 B | |||
| Total Asset | 7.1 B | |||
| Annual Yield | 0.06 % | |||
| Net Asset | 7.1 B | |||
| Last Dividend Paid | 3.85 |
About Cembra Money Fundamental Analysis
The Macroaxis Fundamental Analysis modules help investors analyze Cembra Money Bank's financials across various querterly and yearly statements, indicators and fundamental ratios. We help investors to determine the real value of Cembra Money using virtually all public information available. We use both quantitative as well as qualitative analysis to arrive at the intrinsic value of Cembra Money Bank based on its fundamental data. In general, a quantitative approach, as applied to this company, focuses on analyzing financial statements comparatively, whereas a qaualitative method uses data that is important to a company's growth but cannot be measured and presented in a numerical way.
Please read more on our fundamental analysis page.
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Other Information on Investing in Cembra Pink Sheet
Cembra Money financial ratios help investors to determine whether Cembra Pink Sheet is cheap or expensive when compared to a particular measure, such as profits or enterprise value. In other words, they help investors to determine the cost of investment in Cembra with respect to the benefits of owning Cembra Money security.