CIB Stock Analysis: Grupo Cibest S.A. | NYSE
Banks - Regional | NYSE, USA | Market Cap: 21.526m USD | 12M Return: 52.6% | US40090E1064 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 25.0M
EPS Trend: 88.9%
Qual. Beats: 0
Rev. Trend: -64.9%
Qual. Beats: 0
Warnings
Tailwinds
Seasonality 11.9 years of data, until 10/2026
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, ≥40 worth a closer look and ≥60 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: 7644b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.03 > 0.02 and ΔFCF/TA -1.10 > 1.0 |
| NWC/Revenue: 39.35% < 20% (prev -533.3%; Δ 572.7% < -1%) |
| CFO/TA 0.03 > 3% & CFO 12259b > Net Income 7644b |
| Net Debt (-2550b) to EBITDA (24483b): -0.10 < 3 |
| Current Ratio: 3.53 > 1.5 & < 3 |
| Outstanding Shares: last quarter (944.7m) vs 12m ago 292.9% < -2% |
| Gross Margin: 59.77% > 18% (prev 58.59%; Δ 1.18% > 0.5%) |
| Asset Turnover: 11.16% > 50% (prev 11.34%; Δ -0.18% > 0%) |
| Interest Coverage Ratio: 1.82 > 6 (EBIT TTM 23459b / Interest Expense TTM 12923b) |
| A: 0.04 (Total Current Assets 22781b - Total Current Liabilities 6455b) / Total Assets 369162b |
| B: 0.03 (Retained Earnings 12438b / Total Assets 369162b) |
| C: 0.06 (EBIT TTM 23459b / Avg Total Assets 371897b) |
| D: 0.12 (Book Value of Equity 38783b / Total Liabilities 329108b) |
| Altman-Z'' = 0.95 = BB |
As of November 14, 2026, the stock is trading at USD 89.51 with a total of 482,261 shares traded. Over the past week, the price has changed by -3.10%, over one month by -6.26%, over three months by -3.84% and over the past year by +52.57%.
Current recommended Stop Loss: 85.20 (which is 4.8% or 1.3 ATR below the current price).
Grupo Cibest S.A. has received a consensus analysts rating of 3.27. Therefore, it is recommended to hold CIB.
- StrongBuy: 2
- Buy: 1
- Hold: 7
- Sell: 0
- StrongSell: 1
| Analysts Target Price | 91.5 | 2.2% |
Market Cap COP = 70770b (21.5b USD * 3287.5600585938 USD.COP)
P/E Trailing = 6.097
P/E Forward = 7.215
P/S = 2.4318
P/B = 1.9382
P/EG = 0.4343
Revenue TTM = 41493b COP
EBIT TTM = 23459b COP
EBITDA TTM = 24483b COP
Long Term Debt = 15666b COP (from longTermDebt, last quarter)
Short Term Debt = 675b COP (from shortTermDebt, last fiscal year)
Debt = 20704b COP (from shortLongTermDebtTotal, last fiscal year) + Leases 1344b
Net Debt = -2550b COP (calculated: Debt 20704b - CCE 23255b)
Enterprise Value = 68219b COP (70770b + Debt 20704b - CCE 23255b)
Interest Coverage Ratio = 1.82 (Ebit TTM 23459b / Interest Expense TTM 12923b)
EV/FCF = 6.81x (Enterprise Value 68219b / FCF TTM 10015b)
FCF Yield = 14.68% (FCF TTM 10015b / Enterprise Value 68219b)
FCF Margin = 24.14% (FCF TTM 10015b / Revenue TTM 41493b)
Net Margin = 18.42% (Net Income TTM 7644b / Revenue TTM 41493b)
Gross Margin = 59.77% ((Revenue TTM 41493b - Cost of Revenue TTM 16694b) / Revenue TTM)
Gross Margin QoQ = none% (prev 64.60%)
Tobins Q-Ratio = 0.18 (Enterprise Value 68219b / Total Assets 369162b)
Interest Expense / Debt = 62.42% (Interest Expense 12923b / Debt 20704b)
Taxrate = 30.40% (3203b / 10535b)
NOPAT = 16327b (EBIT 23459b * (1 - 30.40%))
Current Ratio = 3.53 (Total Current Assets 22781b / Total Current Liabilities 6455b)
Debt / Equity = 0.53 (Debt 20704b / totalStockholderEquity, last quarter 38783b)
Debt / EBITDA = -0.10 (Net Debt -2550b / EBITDA 24483b)
Debt / FCF = -0.25 (Net Debt -2550b / FCF TTM 10015b)
Total Stockholder Equity = 37937b (last 4 quarters mean from totalStockholderEquity)
RoA = 2.06% (Net Income 7644b / Total Assets 369162b)
RoE = 20.15% (Net Income TTM 7644b / Total Stockholder Equity 37937b)
RoCE = 43.76% (EBIT 23459b / Capital Employed (Equity 37937b + L.T.Debt 15666b))
RoIC = 4.45% (NOPAT 16327b / Invested Capital 367088b)
WACC = 5.06% (E(70770b)/V(91474b) * Re(6.54%) + (debt cost/tax rate unavailable))
Discount Rate = 6.54% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -78.64 | Cagr: -0.80%
[DCF] Terminal Value 73.10% ; FCFF base≈11725b ; Y1≈10282b ; Y5≈8307b
[DCF] Fair Price = 1.25m (EV 133342b - Net Debt -2550b = Equity 135892b / Shares 109.0m; r=8.35% [WACC [floored]]; 5y FCF grow -15.0% → 2.50% )
[DCF] Fair Price = 1.25m (out of range, set to none)
EPS Correlation: 88.89 | EPS CAGR: 15.31% | SUE: -0.48 | # QB: 0
Revenue Correlation: -64.86 | Revenue CAGR: -1.68% | SUE: -0.03 | # QB: 0
EPS current Quarter (2027-03-31): EPS=3.05 | Chg30d=-4.78% | Revisions=-25% | Analysts=3
EPS current Year (2026-12-31): EPS=10.61 | Chg30d=-0.60% | Revisions=-25% | GrowthEPS=+31.8% | GrowthRev=+5.8%
EPS next Year (2027-12-31): EPS=11.61 | Chg30d=+0.32% | Revisions=-25% | GrowthEPS=+9.5% | GrowthRev=+9.2%
[Analyst] Revisions Ratio: -50% (up=0, down=3)