CIB Stock Analysis: Grupo Cibest S.A. | NYSE
Banks - Regional | NYSE, USA | Market Cap: 22.799m USD | 12M Return: 86% | US40090E1064 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 25.4M
EPS Trend: 87.3%
Qual. Beats: 1
Rev. Trend: 5.2%
Qual. Beats: 0
Warnings
Tailwinds
Seasonality 11.7 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Grupo Cibest S.A. (formerly Bancolombia S.A., renamed in May 2025) is one of Colombias largest diversified banking groups, founded in 1875 and headquartered in Medellín. The company operates as a full-service financial institution offering deposit products, credit solutions including mortgages and credit cards, capital markets services, investment banking, insurance, and trust and fiduciary services across Colombia and international markets.
As a diversified bank in the Financials sector, Grupo Cibest serves retail and corporate clients through an extensive multi-channel distribution network that includes physical branches, mobile branches, ATMs, digital banking, and banking correspondents. The group also operates Nequi, a digital banking platform, alongside specialized services such as cash management, trade finance, and asset management.
- Net interest margin expands as Colombia holds benchmark rate elevated
- Loan growth accelerates on strong consumer and corporate credit demand
- Nequi digital platform scales amid rising fintech competition
| Net Income: 7708b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.03 > 0.02 and ΔFCF/TA 0.33 > 1.0 |
| NWC/Revenue: -560.8% < 20% (prev -530.7%; Δ -30.18% < -1%) |
| CFO/TA 0.04 > 3% & CFO 14035b > Net Income 7708b |
| Net Debt (-1742b) to EBITDA (11573b): -0.15 < 3 |
| Current Ratio: 0.10 > 1.5 & < 3 |
| Outstanding Shares: last quarter (236.2m) vs 12m ago -1.79% < -2% |
| Gross Margin: 61.08% > 18% (prev 55.92%; Δ 5.16% > 0.5%) |
| Asset Turnover: 12.20% > 50% (prev 11.33%; Δ 0.87% > 0%) |
| Interest Coverage Ratio: 0.83 > 6 (EBIT TTM 10542b / Interest Expense TTM 12749b) |
| A: -0.71 (Total Current Assets 26830b - Total Current Liabilities 275332b) / Total Assets 351191b |
| B: 0.02 (Retained Earnings 8190b / Total Assets 351191b) |
| C: 0.03 (EBIT TTM 10542b / Avg Total Assets 363221b) |
| D: 0.12 (Book Value of Equity 36875b / Total Liabilities 313084b) |
| Altman-Z'' = -4.25 = D |
As of October 10, 2026, the stock is trading at USD 94.81 with a total of 206,152 shares traded. Over the past week, the price has changed by +3.16%, over one month by -3.75%, over three months by +20.98% and over the past year by +86.03%.
Current recommended Stop Loss: 86.20 (which is 9.1% or 2.7 ATR below the current price).
Grupo Cibest S.A. has received a consensus analysts rating of 3.09. Therefore, it is recommended to hold CIB.
- StrongBuy: 1
- Buy: 1
- Hold: 8
- Sell: 0
- StrongSell: 1
| Analysts Target Price | 83.1 | -12.4% |
Market Cap COP = 73864b (22.8b USD * 3239.7399902344 USD.COP)
P/E Trailing = 11.6313
P/E Forward = 7.215
P/S = 1.3759
P/B = 1.9873
P/EG = 0.4343
Revenue TTM = 44309b COP
EBIT TTM = 10542b COP
EBITDA TTM = 11573b COP
Long Term Debt = 15762b COP (from longTermDebt, last quarter)
Short Term Debt = 6455b COP (from shortTermDebt, last quarter)
Debt = 25088b COP (from shortLongTermDebtTotal, last quarter) + Leases 1373b
Net Debt = -1742b COP (calculated: Debt 25088b - CCE 26830b)
Enterprise Value = 72122b COP (73864b + Debt 25088b - CCE 26830b)
Interest Coverage Ratio = 0.83 (Ebit TTM 10542b / Interest Expense TTM 12749b)
EV/FCF = 6.17x (Enterprise Value 72122b / FCF TTM 11693b)
FCF Yield = 16.21% (FCF TTM 11693b / Enterprise Value 72122b)
FCF Margin = 26.39% (FCF TTM 11693b / Revenue TTM 44309b)
Net Margin = 17.40% (Net Income TTM 7708b / Revenue TTM 44309b)
Gross Margin = 61.08% ((Revenue TTM 44309b - Cost of Revenue TTM 17246b) / Revenue TTM)
Gross Margin QoQ = 64.60% (prev 59.16%)
Tobins Q-Ratio = 0.21 (Enterprise Value 72122b / Total Assets 351191b)
Interest Expense / Debt = 50.82% (Interest Expense 12749b / Debt 25088b)
Taxrate = 29.85% (3147b / 10542b)
NOPAT = 7395b (EBIT 10542b * (1 - 29.85%))
Current Ratio = 0.10 (Total Current Assets 26830b / Total Current Liabilities 275332b)
Debt / Equity = 0.68 (Debt 25088b / totalStockholderEquity, last quarter 36875b)
Debt / EBITDA = -0.15 (Net Debt -1742b / EBITDA 11573b)
Debt / FCF = -0.15 (Net Debt -1742b / FCF TTM 11693b)
Total Stockholder Equity = 38835b (last 4 quarters mean from totalStockholderEquity)
RoA = 2.12% (Net Income 7708b / Total Assets 351191b)
RoE = 19.85% (Net Income TTM 7708b / Total Stockholder Equity 38835b)
RoCE = 19.31% (EBIT 10542b / Capital Employed (Equity 38835b + L.T.Debt 15762b))
RoIC = 2.12% (NOPAT 7395b / Invested Capital 348975b)
WACC = 5.02% (E(73864b)/V(98952b) * Re(6.72%) + (debt cost/tax rate unavailable))
Discount Rate = 6.72% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -78.64 | Cagr: -0.80%
[DCF] Terminal Value 75.96% ; FCFF base≈11511b ; Y1≈11947b ; Y5≈13521b
[DCF] Fair Price = 1.93m (EV 208857b - Net Debt -1742b = Equity 210599b / Shares 109.0m; r=8.35% [WACC [floored]]; 5y FCF grow 4.05% → 2.50% )
[DCF] Fair Price = 1.93m (out of range, set to none)
EPS Correlation: 87.34 | EPS CAGR: 11.96% | SUE: 4.0 | # QB: 1
Revenue Correlation: 5.18 | Revenue CAGR: 0.16% | SUE: 0.75 | # QB: 0
EPS current Quarter (2026-09-30): EPS=2.86 | Chg30d=+0.00% | Revisions=+50% | Analysts=4
EPS current Year (2026-12-31): EPS=10.68 | Chg30d=-2.77% | Revisions=+50% | GrowthEPS=+32.6% | GrowthRev=+5.3%
EPS next Year (2027-12-31): EPS=11.58 | Chg30d=+1.00% | Revisions=+0% | GrowthEPS=+8.5% | GrowthRev=+7.0%
[Analyst] Revisions Ratio: +55% (up=7, down=1)