Cembra Money Bank AG (SWX:CMBN)
Switzerland · Delayed Price · Currency is CHF 87.00
+1.40 (1.64%)
Aug 21, 2026, 5:31 PM CET
Cembra Money Bank AG Cash Flow Statement
Financials in millions CHF. Fiscal year is January - December.
Millions CHF. Fiscal year is Jan - Dec.
Operating Activities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Net Income | 184.64 | 179.57 | 170.4 | 158.03 | 169.3 | 161.5 |
Depreciation & Amortization | 15.62 | 18.46 | 26.83 | 27.5 | 25.96 | 25.05 |
Provision for Credit Losses | 78.46 | 73.52 | 74.55 | -10.22 | 40.93 | 40.28 |
Change in Income Taxes | -0.43 | 0.01 | 3.14 | 5.81 | -3.85 | -3.88 |
Change in Other Net Operating Assets | -12.57 | -60.48 | 9.54 | 15.55 | -1.88 | -42.86 |
Other Operating Activities | 8.68 | 8.31 | -23.8 | -8.15 | 12.96 | -5.48 |
Operating Cash Flow | 274.39 | 219.4 | 260.65 | 188.53 | 243.42 | 174.61 |
Operating Cash Flow Growth | 71.60% | -15.82% | 38.25% | -22.55% | 39.41% | -25.14% |
Investing Activities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Capital Expenditures | -1,539 | -1,538 | -1,533 | -1,606 | -1,547 | -1,334 |
Cash Acquisitions | - | - | - | - | -50.64 | - |
Investment in Securities | -12.63 | -13.91 | -90.08 | -0.52 | -98.47 | - |
Purchase / Sale of Intangibles | - | - | - | - | - | -9.97 |
Net Decrease (Increase) in Loans Originated / Sold - Investing | 1,376 | 1,489 | 1,505 | 1,373 | 1,225 | 1,371 |
Other Investing Activities | 4.1 | 4.1 | 5.91 | - | -1.26 | 7.34 |
Investing Cash Flow | -171.63 | -58.78 | -112.57 | -233.44 | -471.87 | 34.45 |
Financing Activities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Long-Term Debt Issued | - | 300 | 250 | 935 | 470 | 200 |
Long-Term Debt Repaid | - | -400.06 | -450.02 | -450 | -372.15 | -275.22 |
Net Debt Issued (Repaid) | -225 | -100.06 | -200.02 | 485 | 97.86 | -75.22 |
Repurchase of Common Stock | -3.77 | -6.04 | -2.12 | -1.08 | -3 | -0.51 |
Common Dividends Paid | -164.17 | -124.69 | -117.39 | -115.93 | -112.97 | -110.18 |
Net Increase (Decrease) in Deposit Accounts | -158.23 | 65.35 | 27.17 | -15.98 | 313.72 | -75.22 |
Other Financing Activities | 182.66 | 3.28 | 3.73 | 0.88 | 2.04 | 2.5 |
Financing Cash Flow | -368.52 | -162.16 | -288.63 | 352.89 | 297.64 | -258.64 |
Net Cash Flow
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Net Cash Flow | -265.75 | -1.53 | -140.55 | 307.98 | 69.2 | -49.58 |
Free Cash Flow
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Free Cash Flow | -1,265 | -1,319 | -1,272 | -1,417 | -1,303 | -1,159 |
Free Cash Flow Growth | - | - | - | - | - | - |
Free Cash Flow Margin | -272.82% | -281.38% | -267.12% | -308.91% | -278.51% | -259.53% |
Free Cash Flow Per Share | -43.09 | -44.88 | -43.31 | -48.25 | -44.37 | -39.44 |
Additional Metrics
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Cash Interest Paid | 85.37 | 86.45 | 84.41 | 53.26 | 24.51 | 23.15 |
Cash Income Tax Paid | 55.68 | 43.5 | 36.33 | 24.92 | 34.68 | 52.04 |