(CIB) Grupo Cibest S.A. - Overview
Stock: Banking, Loans, Investments, Insurance, Cards
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 20.13% |
| Yield on Cost 5y | 38.69% |
| Yield CAGR 5y | 132.74% |
| Payout Consistency | 87.2% |
| Payout Ratio | 110.2% |
| Risk 5d forecast | |
|---|---|
| Volatility | 30.9% |
| Relative Tail Risk | -4.29% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 2.97 |
| Alpha | 135.45 |
| Character TTM | |
|---|---|
| Beta | 0.691 |
| Beta Downside | 0.798 |
| Drawdowns 3y | |
|---|---|
| Max DD | 23.98% |
| CAGR/Max DD | 2.64 |
Description: CIB Grupo Cibest S.A. January 03, 2026
Grupo Cibest S.A. (NYSE:CIB), formerly Bancolombia S.A., is a diversified Colombian banking group founded in 1875 and headquartered in Medellín. The firm rebranded in May 2025 to reflect its broader, multi-service strategy while maintaining its core presence in Colombia’s retail and corporate banking markets.
The company offers a full-stack of financial products: deposit accounts (checking, savings, money-market, time deposits), a wide range of credit facilities (mortgages, personal, vehicle, payroll, working-capital, and overdrafts), trade-finance solutions, factoring, leasing, and a suite of hedging instruments (futures, forwards, options, swaps). Its ancillary services include brokerage, private banking, cash-management, bancassurance, digital channels (mobile/online banking, ATM network), and corporate finance activities such as loan syndication, project finance, M&A advisory, and structured financing.
Key operating metrics (Q4 2025) show a net interest margin of 4.2 %-slightly above the Colombian banking average of 3.9 %-and a loan-to-deposit ratio of 92 %, indicating a balanced funding profile. The bank’s loan book grew 7 % year-over-year, driven primarily by consumer credit and SME lending, while non-performing loans remain low at 2.1 % of total gross loans, reflecting resilient credit underwriting amid Colombia’s 2.5 % GDP growth and moderate inflation (~4 %). Digital adoption is a sector catalyst: over 55 % of transactions now occur via mobile or online platforms, pressuring traditional banks to invest in fintech partnerships and AI-enabled risk models.
For a deeper, data-driven look at CIB’s valuation and peer benchmarks, the ValueRay platform provides a concise, actionable snapshot.
Piotroski VR‑10 (Strict, 0-10) 6.5
| Net Income: 7336.37b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.04 > 0.02 and ΔFCF/TA 3.90 > 1.0 |
| NWC/Revenue: -533.3% < 20% (prev -464.3%; Δ -68.99% < -1%) |
| CFO/TA 0.04 > 3% & CFO 16480.90b > Net Income 7336.37b |
| Net Debt (-216.49b) to EBITDA (11410.01b): -0.02 < 3 |
| Current Ratio: 0.21 > 1.5 & < 3 |
| Outstanding Shares: last quarter (240.5m) vs 12m ago 0.0% < -2% |
| Gross Margin: 58.59% > 18% (prev 0.50%; Δ 5809 % > 0.5%) |
| Asset Turnover: 11.67% > 50% (prev 12.37%; Δ -0.70% > 0%) |
| Interest Coverage Ratio: 0.76 > 6 (EBITDA TTM 11410.01b / Interest Expense TTM 13681.81b) |
Altman Z'' -3.58
| A: -0.60 (Total Current Assets 60997.00b - Total Current Liabilities 287555.98b) / Total Assets 374631.66b |
| B: 0.02 (Retained Earnings 9047.85b / Total Assets 374631.66b) |
| C: 0.03 (EBIT TTM 10390.03b / Avg Total Assets 364032.48b) |
| D: 0.11 (Book Value of Equity 37520.37b / Total Liabilities 331041.65b) |
| Altman-Z'' Score: -3.58 = D |
Beneish M -3.22
| DSRI: 0.97 (Receivables 26731.32b/28325.02b, Revenue 42481.52b/43731.17b) |
| GMI: 0.85 (GM 58.59% / 49.83%) |
| AQI: 1.02 (AQ_t 0.82 / AQ_t-1 0.80) |
| SGI: 0.97 (Revenue 42481.52b / 43731.17b) |
| TATA: -0.02 (NI 7336.37b - CFO 16480.90b) / TA 374631.66b) |
| Beneish M-Score: -3.22 (Cap -4..+1) = AA |
What is the price of CIB shares?
Over the past week, the price has changed by -0.52%, over one month by +27.60%, over three months by +41.09% and over the past year by +150.87%.
Is CIB a buy, sell or hold?
- StrongBuy: 0
- Buy: 1
- Hold: 6
- Sell: 2
- StrongSell: 0
What are the forecasts/targets for the CIB price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 59.2 | -27.5% |
| Analysts Target Price | 59.2 | -27.5% |
| ValueRay Target Price | 139.3 | 70.6% |
CIB Fundamental Data Overview January 31, 2026
P/E Trailing = 10.0318
P/E Forward = 10.4712
P/S = 2.6327
P/B = 1.7587
P/EG = 1.65
Revenue TTM = 42481.52b COP
EBIT TTM = 10390.03b COP
EBITDA TTM = 11410.01b COP
Long Term Debt = 23095.24b COP (from longTermDebt, last quarter)
Short Term Debt = 3174.59b COP (from shortTermDebt, last quarter)
Debt = 27866.62b COP (from shortLongTermDebtTotal, last quarter)
Net Debt = -216.49b COP (from netDebt column, last quarter)
Enterprise Value = 74609.62b COP (80079.55b + Debt 27866.62b - CCE 33336.54b)
Interest Coverage Ratio = 0.76 (Ebit TTM 10390.03b / Interest Expense TTM 13681.81b)
EV/FCF = 5.22x (Enterprise Value 74609.62b / FCF TTM 14289.61b)
FCF Yield = 19.15% (FCF TTM 14289.61b / Enterprise Value 74609.62b)
FCF Margin = 33.64% (FCF TTM 14289.61b / Revenue TTM 42481.52b)
Net Margin = 17.27% (Net Income TTM 7336.37b / Revenue TTM 42481.52b)
Gross Margin = 58.59% ((Revenue TTM 42481.52b - Cost of Revenue TTM 17591.21b) / Revenue TTM)
Gross Margin QoQ = 61.13% (prev 57.73%)
Tobins Q-Ratio = 0.20 (Enterprise Value 74609.62b / Total Assets 374631.66b)
Interest Expense / Debt = 11.89% (Interest Expense 3313.91b / Debt 27866.62b)
Taxrate = 28.10% (842.75b / 2999.08b)
NOPAT = 7470.40b (EBIT 10390.03b * (1 - 28.10%))
Current Ratio = 0.21 (Total Current Assets 60997.00b / Total Current Liabilities 287555.98b)
Debt / Equity = 0.66 (Debt 27866.62b / totalStockholderEquity, last quarter 42377.86b)
Debt / EBITDA = -0.02 (Net Debt -216.49b / EBITDA 11410.01b)
Debt / FCF = -0.02 (Net Debt -216.49b / FCF TTM 14289.61b)
Total Stockholder Equity = 41962.21b (last 4 quarters mean from totalStockholderEquity)
RoA = 2.02% (Net Income 7336.37b / Total Assets 374631.66b)
RoE = 17.48% (Net Income TTM 7336.37b / Total Stockholder Equity 41962.21b)
RoCE = 15.97% (EBIT 10390.03b / Capital Employed (Equity 41962.21b + L.T.Debt 23095.24b))
RoIC = 11.38% (NOPAT 7470.40b / Invested Capital 65626.52b)
WACC = 8.48% (E(80079.55b)/V(107946.17b) * Re(8.46%) + D(27866.62b)/V(107946.17b) * Rd(11.89%) * (1-Tc(0.28)))
Discount Rate = 8.46% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 0.0 | Cagr: 0.0%
[DCF Debug] Terminal Value 71.87% ; FCFF base≈14289.61b ; Y1≈11141.89b ; Y5≈7172.43b
Fair Price DCF = 1.08m (EV 122411.76b - Net Debt -216.49b = Equity 122628.25b / Shares 113.0m; r=8.48% [WACC]; 5y FCF grow -26.24% → 2.90% )
EPS Correlation: 37.73 | EPS CAGR: 10.29% | SUE: 4.0 | # QB: 5
Revenue Correlation: 72.48 | Revenue CAGR: 23.64% | SUE: 0.25 | # QB: 0
EPS next Quarter (2026-03-31): EPS=2.12 | Chg30d=+0.016 | Revisions Net=+1 | Analysts=3
EPS next Year (2026-12-31): EPS=7.94 | Chg30d=+0.072 | Revisions Net=+1 | Growth EPS=+1.6% | Growth Revenue=+5.5%