(CIB) Grupo Cibest S.A. - Ratings and Ratios

Exchange: NYSE • Country: Colombia • Currency: USD • Type: Common Stock • ISIN: US05968L1026

Banking, Loans, Investments, Insurance, Cards

Stock: Diversified Banks
Age 30.5y

MCap 19,249m
Avg Vol 357K (24.8M USD)

Beta 0.688
Volatility 27.95%

EPS (Earnings per Share)

EPS CAGR: 10.29%
EPS Trend: 37.7%

Last SUE: 4.00
Qual. Beats: 5

Revenue

Rev. CAGR: 23.64%
Rev. Trend: 72.5%

Last SUE: 0.25
Qual. Beats: 0

Dividends

Dividend Yield	20.13%
Yield on Cost 5y	36.04%
Yield CAGR 5y	132.74%
Payout Consistency	87.2%
Payout Ratio	110.2%

Risk via 5d forecast
Volatility	28.0%
Value at Risk 5%th	44.0%
Relative Tail Risk	-4.21%

Reward TTM
Sharpe Ratio	3.39
Alpha	171.51
CAGR/Max DD	2.05

Character TTM
Hurst Exponent	0.502
Beta	0.688
Beta Downside	0.839

Drawdowns 3y
Max DD	27.91%
Mean DD	6.66%
Median DD	5.86%

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) 4.5

Net Income (7336.37b TTM) > 0 and > 6% of Revenue (6% = 2548.89b TTM)

FCFTA -0.04 (>2.0%) and ΔFCFTA -3.89pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)

NWC/Revenue -533.3% (prev -464.3%; Δ -68.99pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp)

CFO/TA -0.03 (>3.0%) and CFO -11416.86b <= Net Income 7336.37b (YES >=105%, WARN >=100%)

Net Debt (-216.49b) to EBITDA (11410.01b) ratio: -0.02 <= 3.0 (WARN <= 3.5)

Current Ratio 0.21 (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 58.59% (prev 49.83%; Δ 8.76pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)

Asset Turnover 11.67% (prev 12.37%; Δ -0.70pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)

Interest Coverage Ratio 0.76 (EBITDA TTM 11410.01b / Interest Expense TTM 13681.81b) >= 6 (WARN >= 3)

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 (Balance) 9047.85b / Total Assets 374631.66b

(D) 0.11 = Book Value of Equity 37520.37b / Total Liabilities 331041.65b

Total Rating: -3.58 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 54.22

1. Piotroski 4.50pt

2. FCF Yield -20.86%

3. FCF Margin -32.03%

4. Debt/Equity 0.66

5. Debt/Ebitda -0.02

6. ROIC - WACC (= 2.92)%

7. RoE 17.48%

8. Rev. Trend 72.48%

9. EPS Trend 37.73%

What is the price of CIB shares?

As of January 18, 2026, the stock is trading at USD 75.75 with a total of 341,327 shares traded.
Over the past week, the price has changed by +7.08%, over one month by +20.70%, over three months by +34.52% and over the past year by +189.31%.

Is CIB a buy, sell or hold?

Grupo Cibest S.A. has received a consensus analysts rating of 2.89. Therefor, it is recommend to hold CIB.

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	57.1	-24.6%
Analysts Target Price	57.1	-24.6%
ValueRay Target Price	124.3	64.1%

CIB Fundamental Data Overview January 17, 2026

Market Cap COP = 70702.38b (19.25b USD * 3672.9681 USD.COP)
P/E Trailing = 8.8537
P/E Forward = 9.1491
P/S = 2.2988
P/B = 1.5357
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 = 65232.46b COP (70702.38b + Debt 27866.62b - CCE 33336.54b)
Interest Coverage Ratio = 0.76 (Ebit TTM 10390.03b / Interest Expense TTM 13681.81b)
EV/FCF = -4.79x (Enterprise Value 65232.46b / FCF TTM -13608.15b)
FCF Yield = -20.86% (FCF TTM -13608.15b / Enterprise Value 65232.46b)
FCF Margin = -32.03% (FCF TTM -13608.15b / 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 = 0.17 (Enterprise Value 65232.46b / 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 (negative FCF - burning cash) (Net Debt -216.49b / FCF TTM -13608.15b)
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 = 8.46% (E(70702.38b)/V(98569.00b) * Re(8.43%) + D(27866.62b)/V(98569.00b) * Rd(11.89%) * (1-Tc(0.28)))
Discount Rate = 8.43% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 0.0 | Cagr: 0.0%
Fair Price DCF = unknown (Cash Flow -13608.15b)
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=2.08 | Chg30d=-0.064 | Revisions Net=+2 | Analysts=3
EPS next Year (2026-12-31): EPS=7.85 | Chg30d=-0.041 | Revisions Net=+3 | Growth EPS=+1.9% | Growth Revenue=+5.7%

Additional Sources for CIB Stock

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