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Cembra Money Bank vs U.S. Ban: Which Stock Looks Stronger in 2026?

The structural profiles are close, with Cembra Money Bank carrying a narrow edge on profitability. U.S. Bancorp still leads on growth and valuation, which keeps the comparison from looking entirely one-sided. The market setup is mixed, without a decisive signal in either direction. The market is not adding a decisive signal either way — the structural read carries the weight.

The comparison is based on similar long-term financial trajectories, not sector labels.

Updated 2026-04-05

The clearest separation starts in profitability, with stability adding a second layer of support.

INDUSTRY COMPARISON

Both operate in: Banks - Regional

This comparison is based on industry proximity, not on functional trajectory similarity. CMBN.SW and USB share the same industry classification.

For a similarity-based comparison, see how Cembra Money Bank and U.S. Bancorp each position within their functional peer groups in AssetNext.

Peer-Relative Score
CMBN.SW
Cembra Money Bank AG
52
Peer-Score
Signal qualityMedium
vs
USB
U.S. Bancorp
49
Peer-Score
Signal qualityMedium

Scores reflect position relative to comparable companies with similar long-term financial trajectories.

The largest gaps do not all point in the same direction.

Dimension spread: CMBN.SW vs USB Profitability 63 25 Stability 59 41 Valuation 62 81 Growth 12 45 CMBN.SW USB
Gap Ranking
#1 Profitability +38
#2 Growth +33
#3 Valuation +19
#4 Stability +18
Price Setup

Left means cheaper relative valuation. Higher means stronger structure.

Price setup map for CMBN.SW and USB Stronger + cheaper Stronger + richer Weaker + cheaper Weaker + richer CMBN.SWUSB Relative valuation Structural strength

The structural gap is limited here, but current pricing still leans against Cembra Money Bank AG.

Valuation position uses peer-relative PE percentile (idx_pct_pe) where available.

Relative Position vs Comparable Companies
Profitability
On profitability, Cembra Money Bank AG is positioned higher in the group, while U.S. Bancorp is closer to the middle.
Growth
U.S. Bancorp sits higher in the group on growth, adding to the overall structural advantage.
Profitability — Dominant Gap
CMBN.SW
63
USB
25
Gap+38in favour of CMBN.SW

The profitability lead is mainly driven by a 10-point operating margin advantage.

What keeps the gap from being one-sided

Earnings growth also leans the other way, which keeps the score lead from reading as a full growth sweep.

What this means for the comparison

Profitability is the clearest driver of the lead, with growth adding further support — though growth still provides a real counterweight.

Explore full peer positioning in AssetNext

Break down the CMBN.SW vs USB comparison across all dimensions with the full interactive tool.

Explore full breakdown →
Other comparisons with conflicting dimension signals

Explore how CMBN.SW and USB each compare against other companies in their peer groups.

Rule-based, descriptive analysis only. Derived from peer percentile dimensions. Not investment advice. Peer groups are determined algorithmically based on structural similarity — not by sector classification alone.

How AssetNext Peer Scores Work

AssetNext scores reflect each company's structural position within its functional peer group — not a ranking against all stocks simultaneously. Peers are identified by similarity across eight financial dimensions, including revenue growth trajectory, margin structure, capital intensity, and earnings stability. A score of 75 means the company ranks in the top quartile within its own peer group, not the entire market.

Four dimension scores drive the overall peer score: Growth (revenue trajectory and expansion dynamics), Quality (margin structure and capital efficiency), Valuation (peer-relative pricing on standard multiples), and Stability (earnings consistency and financial predictability). Each dimension is scored 0–100 relative to the peer group, then combined into an overall peer score using equal weighting.

Scores are recalculated periodically as underlying financial data is updated. All analysis is descriptive and rule-based — AssetNext describes structural realities and never issues buy, sell or hold recommendations.