(CIB) Grupo Cibest S.A. - Ratings and Ratios
Banking, Investment, Loans, Credit, Insurance, FinancialServices
CIB EPS (Earnings per Share)
CIB Revenue
Description: CIB Grupo Cibest S.A.
Bancolombia SA ADR (NYSE:CIB) is a leading financial services provider in Colombia and internationally, offering a wide range of banking products and services, including consumer and commercial banking, investment products, and financial leasing. The companys diverse product portfolio includes checking and savings accounts, loans, credit cards, and investment products, as well as hedging instruments and brokerage services.
From a financial performance perspective, Bancolombia has demonstrated strong profitability, with a Return on Equity (RoE) of 15.44%. The companys market capitalization stands at $12.2 billion USD, with a forward Price-to-Earnings (P/E) ratio of 6.92, indicating a relatively attractive valuation. Additionally, the companys dividend yield and payout ratio are worth examining, as they can provide insights into the sustainability of its dividend payments.
To further analyze Bancolombias financial health, key performance indicators (KPIs) such as the Net Interest Margin (NIM), loan growth rate, and asset quality metrics (e.g., Non-Performing Loans (NPLs) ratio) can be examined. The companys capital adequacy ratio and liquidity metrics, such as the Liquidity Coverage Ratio (LCR), can also provide valuable insights into its financial stability and ability to meet its short-term obligations.
From a growth perspective, Bancolombias presence in Colombia and other Latin American countries positions it for potential expansion, driven by increasing demand for financial services in these markets. The companys ability to leverage its digital banking capabilities, including its online and mobile banking platforms, can also drive growth and improve operational efficiency.
CIB Stock Overview
| Market Cap in USD | 14,059m |
| Sub-Industry | Diversified Banks |
| IPO / Inception | 1995-07-26 |
CIB Stock Ratings
| Growth Rating | 93.0% |
| Fundamental | 55.9% |
| Dividend Rating | 89.8% |
| Return 12m vs S&P 500 | 75.1% |
| Analyst Rating | 2.89 of 5 |
CIB Dividends
| Dividend Yield 12m | 16.46% |
| Yield on Cost 5y | 57.60% |
| Annual Growth 5y | 27.74% |
| Payout Consistency | 86.8% |
| Payout Ratio | 133.0% |
CIB Growth Ratios
| Growth Correlation 3m | 92.5% |
| Growth Correlation 12m | 98.5% |
| Growth Correlation 5y | 67.1% |
| CAGR 5y | 53.16% |
| CAGR/Max DD 3y (Calmar Ratio) | 1.90 |
| CAGR/Mean DD 3y (Pain Ratio) | 7.97 |
| Sharpe Ratio 12m | 1.50 |
| Alpha | 96.39 |
| Beta | 0.864 |
| Volatility | 32.46% |
| Current Volume | 512k |
| Average Volume 20d | 286.5k |
| Stop Loss | 52.3 (-3.3%) |
| Signal | -0.02 |
Piotroski VR‑10 (Strict, 0-10) 3.5
| Net Income (6693.47b TTM) > 0 and > 6% of Revenue (6% = 1943.30b TTM) |
| FCFTA -0.01 (>2.0%) and ΔFCFTA -3.16pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue -804.0% (prev -568.5%; Δ -235.5pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA -0.00 (>3.0%) and CFO -945.36b <= Net Income 6693.47b (YES >=105%, WARN >=100%) |
| Net Debt (3151.40b) to EBITDA (10240.71b) ratio: 0.31 <= 3.0 (WARN <= 3.5) |
| Current Ratio 0.09 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (240.5m) change vs 12m ago 0.0% (target <= -2.0% for YES) |
| Gross Margin 42.06% (prev 53.18%; Δ -11.12pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 8.90% (prev 6.46%; Δ 2.45pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 0.66 (EBITDA TTM 10240.71b / Interest Expense TTM 14070.41b) >= 6 (WARN >= 3) |
Altman Z'' -4.20
| (A) -0.69 = (Total Current Assets 27000.51b - Total Current Liabilities 287399.01b) / Total Assets 375250.73b |
| (B) 0.02 = Retained Earnings (Balance) 7094.31b / Total Assets 375250.73b |
| (C) 0.03 = EBIT TTM 9247.03b / Avg Total Assets 363724.90b |
| (D) 0.11 = Book Value of Equity 36436.58b / Total Liabilities 332866.44b |
| Total Rating: -4.20 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 55.85
| 1. Piotroski 3.50pt = -1.50 |
| 2. FCF Yield -5.17% = -2.59 |
| 3. FCF Margin -9.10% = -3.41 |
| 4. Debt/Equity 0.66 = 2.29 |
| 5. Debt/Ebitda 0.31 = 2.43 |
| 6. ROIC - WACC (= 1.09)% = 1.37 |
| 7. RoE 16.09% = 1.34 |
| 8. Rev. Trend 30.50% = 2.29 |
| 9. EPS Trend 72.68% = 3.63 |
What is the price of CIB shares?
Over the past week, the price has changed by -0.90%, over one month by +2.95%, over three months by +18.11% and over the past year by +103.81%.
Is Grupo Cibest S.A. a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of CIB is around 76.76 USD . This means that CIB is currently undervalued and has a potential upside of +41.99% (Margin of Safety).
Is CIB a buy, sell or hold?
- Strong Buy: 0
- Buy: 1
- Hold: 6
- Sell: 2
- Strong Sell: 0
What are the forecasts/targets for the CIB price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 46 | -14.9% |
| Analysts Target Price | 46 | -14.9% |
| ValueRay Target Price | 86.1 | 59.3% |
Last update: 2025-10-20 03:48
CIB Fundamental Data Overview
P/E Trailing = 8.0395
P/E Forward = 7.215
P/S = 0.0006
P/B = 1.1866
P/EG = 1.65
Beta = 0.864
Revenue TTM = 32388.39b COP
EBIT TTM = 9247.03b COP
EBITDA TTM = 10240.71b COP
Long Term Debt = 21819.62b COP (from longTermDebt, last quarter)
Short Term Debt = 3940.35b COP (from shortTermDebt, last quarter)
Debt = 27395.76b COP (from shortLongTermDebtTotal, last quarter)
Net Debt = 3151.40b COP (from netDebt column, last quarter)
Enterprise Value = 56989.04b COP (53837.64b + Debt 27395.76b - CCE 24244.36b)
Interest Coverage Ratio = 0.66 (Ebit TTM 9247.03b / Interest Expense TTM 14070.41b)
FCF Yield = -5.17% (FCF TTM -2946.62b / Enterprise Value 56989.04b)
FCF Margin = -9.10% (FCF TTM -2946.62b / Revenue TTM 32388.39b)
Net Margin = 20.67% (Net Income TTM 6693.47b / Revenue TTM 32388.39b)
Gross Margin = 42.06% ((Revenue TTM 32388.39b - Cost of Revenue TTM 18765.01b) / Revenue TTM)
Gross Margin QoQ = 57.62% (prev 56.68%)
Tobins Q-Ratio = 0.15 (Enterprise Value 56989.04b / Total Assets 375250.73b)
Interest Expense / Debt = 12.39% (Interest Expense 3393.01b / Debt 27395.76b)
Taxrate = 26.37% (655.05b / 2484.00b)
NOPAT = 6808.51b (EBIT 9247.03b * (1 - 26.37%))
Current Ratio = 0.09 (Total Current Assets 27000.51b / Total Current Liabilities 287399.01b)
Debt / Equity = 0.66 (Debt 27395.76b / totalStockholderEquity, last quarter 41294.07b)
Debt / EBITDA = 0.31 (Net Debt 3151.40b / EBITDA 10240.71b)
Debt / FCF = -1.07 (negative FCF - burning cash) (Net Debt 3151.40b / FCF TTM -2946.62b)
Total Stockholder Equity = 41592.60b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.78% (Net Income 6693.47b / Total Assets 375250.73b)
RoE = 16.09% (Net Income TTM 6693.47b / Total Stockholder Equity 41592.60b)
RoCE = 14.58% (EBIT 9247.03b / Capital Employed (Equity 41592.60b + L.T.Debt 21819.62b))
RoIC = 10.27% (NOPAT 6808.51b / Invested Capital 66314.07b)
WACC = 9.17% (E(53837.64b)/V(81233.41b) * Re(9.20%) + D(27395.76b)/V(81233.41b) * Rd(12.39%) * (1-Tc(0.26)))
Discount Rate = 9.20% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 0.0 | Cagr: 0.0%
Fair Price DCF = unknown (Cash Flow -2946.62b)
EPS Correlation: 72.68 | EPS CAGR: 10.60% | SUE: 3.49 | # QB: 4
Revenue Correlation: 30.50 | Revenue CAGR: 20.43% | SUE: 0.48 | # QB: 0
Additional Sources for CIB Stock
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Fund Manager Positions: Dataroma | Stockcircle