(CIB) Grupo Cibest S.A. - Overview
Sector: Financial Services | Industry: Banks - Regional | Exchange: NYSE (USA) | Market Cap: 15.631m USD | Total Return: 66.4% in 12m
Avg Turnover: 20.7M
EPS Trend: 91.4%
Qual. Beats: -2
Rev. Trend: 33.5%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
Idiosyncratic Leader, Confidence
Grupo Cibest S.A. (formerly Bancolombia S.A.) is a full-service financial institution headquartered in Medellín, Colombia. The company operates a diversified banking model, providing retail, corporate, and investment banking services alongside insurance, asset management, and fiduciary solutions. Its digital infrastructure includes the Nequi platform and Wompi payment processing to capture the growing fintech market in Latin America.
The company maintains a significant presence in the Colombian market while managing international operations through trade finance and foreign exchange services. As a diversified bank, its revenue streams are spread across interest income from consumer and commercial loans, as well as fee-based income from brokerage, investment banking, and trust services. Traditional banking in emerging markets often faces higher sensitivity to local central bank interest rate cycles and sovereign credit ratings compared to developed markets.
Investors can further examine the company’s valuation metrics and historical performance on ValueRay.
Founded in 1875, Grupo Cibest utilizes an omnichannel distribution strategy that integrates physical branches and ATMs with mobile and online banking. The firm also focuses on specialized lending products, including inflation-indexed sustainability loans and mortgage innovations, to address specific regional economic conditions.
- Colombian central bank interest rate decisions impact net interest margin profitability
- Asset quality trends in domestic loan portfolios drive provisioning and earnings
- Nequi digital platform expansion accelerates retail customer acquisition and fee revenue
- Fluctuations in the Colombian Peso affect valuation of international banking operations
- Infrastructure and corporate lending volume tracks national GDP and investment cycles
| Net Income: 6976b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.03 > 0.02 and ΔFCF/TA -0.17 > 1.0 |
| NWC/Revenue: -576.6% < 20% (prev -520.4%; Δ -56.17% < -1%) |
| CFO/TA 0.03 > 3% & CFO 12547b > Net Income 6976b |
| Net Debt (-1897b) to EBITDA (10667b): -0.18 < 3 |
| Current Ratio: 0.09 > 1.5 & < 3 |
| Outstanding Shares: last quarter (237.3m) vs 12m ago -0.47% < -2% |
| Gross Margin: 59.33% > 18% (prev 0.54%; Δ 5.88k% > 0.5%) |
| Asset Turnover: 11.51% > 50% (prev 11.74%; Δ -0.23% > 0%) |
| Interest Coverage Ratio: 0.74 > 6 (EBITDA TTM 10667b / Interest Expense TTM 12984b) |
| A: -0.64 (Total Current Assets 25457b - Total Current Liabilities 275332b) / Total Assets 389144b |
| B: 0.01 (Retained Earnings 4891b / Total Assets 389144b) |
| C: 0.03 (EBIT TTM 9621b / Avg Total Assets 376635b) |
| D: 0.09 (Book Value of Equity 31519b / Total Liabilities 351528b) |
| Altman-Z'' = -3.91 = D |
| DSRI: 0.02 (Receivables 643b/26327b, Revenue 43340b/42751b) |
| GMI: 0.91 (GM 59.33% / 53.99%) |
| AQI: 1.12 (AQ_t 0.92 / AQ_t-1 0.82) |
| SGI: 1.01 (Revenue 43340b / 42751b) |
| TATA: -0.01 (NI 6976b - CFO 12547b) / TA 389144b) |
| Beneish M = -3.85 (Cap -4..+1) = AAA |
As of May 30, 2026, the stock is trading at USD 69.19 with a total of 309,552 shares traded.
Over the past week, the price has changed by +5.57%,
over one month by +0.71%,
over three months by +3.75% and
over the past year by +66.37%.
Grupo Cibest S.A. has received a consensus analysts rating of 2.89. Therefore, it is recommended to hold CIB.
- StrongBuy: 0
- Buy: 1
- Hold: 6
- Sell: 2
- StrongSell: 0
| Analysts Target Price | 63.6 | -8.1% |
Market Cap COP = 56678b (15.6b USD * 3625.99 USD.COP)
P/E Trailing = 9.037
P/E Forward = 8.5106
P/S = 1.1325
P/B = 1.6373
P/EG = 0.4343
Revenue TTM = 43340b COP
EBIT TTM = 9621b COP
EBITDA TTM = 10667b COP
Long Term Debt = 16672b COP (from longTermDebt, last quarter)
Short Term Debt = 2009b COP (from shortTermDebt, last quarter)
Debt = 21432b COP (from shortLongTermDebtTotal, last quarter) + Leases 1375b
Net Debt = -1897b COP (calculated: Debt 21432b - CCE 23328b)
Enterprise Value = 54781b COP (56678b + Debt 21432b - CCE 23328b)
Interest Coverage Ratio = 0.74 (Ebit TTM 9621b / Interest Expense TTM 12984b)
EV/FCF = 5.35x (Enterprise Value 54781b / FCF TTM 10232b)
FCF Yield = 18.68% (FCF TTM 10232b / Enterprise Value 54781b)
FCF Margin = 23.61% (FCF TTM 10232b / Revenue TTM 43340b)
Net Margin = 16.10% (Net Income TTM 6976b / Revenue TTM 43340b)
Gross Margin = 59.33% ((Revenue TTM 43340b - Cost of Revenue TTM 17626b) / Revenue TTM)
Gross Margin QoQ = 59.16% (prev 59.29%)
Tobins Q-Ratio = 0.14 (Enterprise Value 54781b / Total Assets 389144b)
Interest Expense / Debt = 60.59% (Interest Expense 12984b / Debt 21432b)
Taxrate = 33.07% (710b / 2145b)
NOPAT = 6439b (EBIT 9621b * (1 - 33.07%))
Current Ratio = 0.09 (Total Current Assets 25457b / Total Current Liabilities 275332b)
Debt / Equity = 0.59 (Debt 21432b / totalStockholderEquity, last quarter 36377b)
Debt / EBITDA = -0.18 (Net Debt -1897b / EBITDA 10667b)
Debt / FCF = -0.19 (Net Debt -1897b / FCF TTM 10232b)
Total Stockholder Equity = 39940b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.85% (Net Income 6976b / Total Assets 389144b)
RoE = 17.47% (Net Income TTM 6976b / Total Stockholder Equity 39940b)
RoCE = 16.99% (EBIT 9621b / Capital Employed (Equity 39940b + L.T.Debt 16672b))
RoIC = 5.56% (NOPAT 6439b / Invested Capital 115808b)
WACC = 5.83% (E(56678b)/V(78109b) * Re(8.04%) + (debt cost/tax rate unavailable))
Discount Rate = 8.04% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -83.00 | Cagr: -24.64%
[DCF] Terminal Value 75.48% ; FCFF base≈10219b ; Y1≈10287b ; Y5≈10952b
[DCF] Fair Price = 1.57m (EV 170254b - Net Debt -1897b = Equity 172150b / Shares 110.0m; r=8.35% [WACC [floored]]; 5y FCF grow 0.30% → 2.50% )
[DCF] Fair Price = 1.57m (out of range, set to none)
EPS Correlation: 91.39 | EPS CAGR: 9.32% | SUE: -0.92 | # QB: -2
Revenue Correlation: 33.54 | Revenue CAGR: 1.68% | SUE: 0.65 | # QB: 0
EPS current Quarter (2026-06-30): EPS=2.18 | Chg30d=+4.20% | Revisions=+43% | Analysts=5
EPS next Quarter (2026-09-30): EPS=2.32 | Chg30d=+5.81% | Revisions=+33% | Analysts=5
EPS current Year (2026-12-31): EPS=8.63 | Chg30d=+5.95% | Revisions=+43% | GrowthEPS=+7.2% | GrowthRev=+2.3%
EPS next Year (2027-12-31): EPS=8.96 | Chg30d=+2.53% | Revisions=+25% | GrowthEPS=+3.9% | GrowthRev=+9.0%
[Analyst] Revisions Ratio: +43%