Cembra Money Bank AG (CMBN.SW) — Quality & forensics

As of 2026-09-18 — refreshed nightly. Closelook readings from an investment research diary, not ratings or advice.

The Closelook module scores

45 /100 composite · 7 modules · general weight set

Valuation 74
Quality 69
Growth 28
Balance sheet 12
Cash quality 50
Capital allocation 45
Momentum 30

Scores are computed nightly across the coverage universe and read relative to it — the methodology lives in the company-scoring explainer.

Financial forensics — the academic screens

0.18 Altman Z-Score

Sits in the distress zone (below 1.81). The Z-Score estimates financial-distress risk from five balance-sheet and earnings ratios.

6/9 Piotroski F-Score

Nine binary fundamental-strength checks across profitability, leverage and operating efficiency.

-2.99 Beneish M-Score

Screens reported earnings for statistical manipulation patterns — below the −1.78 manipulation-risk threshold. A screen, not an accusation.

Continue: the CMBN.SW chart & overview

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

Quick answers

What is Cembra Money Bank AG's Closelook quality reading?

The composite reads 45/100 across 7 modules, as of 2026-09-18: valuation 74, quality 69, growth 28, balance sheet 12, cash quality 50, capital allocation 45, momentum 30. Closelook scores are research diary readings, not ratings or investment advice.

What is Cembra Money Bank AG's Altman Z-Score?

0.18, which sits in the distress zone (below 1.81) as of 2026-09-18. The Altman Z-Score estimates financial distress risk from five balance-sheet and earnings ratios.

What is Cembra Money Bank AG's Piotroski F-Score?

6 of 9, as of 2026-09-18. The F-Score counts nine binary fundamental-strength signals across profitability, leverage and operating efficiency.

What does Cembra Money Bank AG's Beneish M-Score indicate?

-2.99 — below the −1.78 manipulation-risk threshold, as of 2026-09-18. The M-Score screens reported earnings for statistical manipulation patterns; it is a screen, not an accusation.