CIB Stock Analysis: Grupo Cibest S.A. | NYSE
Banks - Regional | NYSE, USA | Market Cap: 22.703m USD | 12M Return: 110.7% | US40090E1064 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 27.5M
EPS Trend: 87.3%
Qual. Beats: 1
Rev. Trend: 5.2%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
Seasonality 11.6 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 a Colombian financial group offering a comprehensive suite of banking and financial services across retail, SME, corporate, and institutional segments. Its core activities span deposit products (checking, savings, and fixed-term accounts), credit facilities (consumer, mortgage, vehicle, payroll, credit cards, working capital, trade finance, and factoring), and capital markets services including trading, brokerage, investment advisory, and asset management. The group also operates in investment banking (project and acquisition finance, syndications, M&A advisory), bancassurance, leasing, trust and fiduciary services, and international trade finance solutions such as letters of credit.
The company distributes its products through physical branches, mobile branches, ATMs, digital and mobile banking, banking correspondents, kiosks, and the Nequi digital platform, alongside payments infrastructure (Wompi) and innovation initiatives like inflation-indexed sustainability loans. Grupo Cibest is headquartered in Medellín, Colombia, was founded in 1875, and is classified within the Diversified Banks sub-industry of the Financials sector. As one of Colombias largest full-service banks, it serves both domestic and international clients and is the only Colombian bank listed on the NYSE.
- Banco de la República rate cuts compress net interest margin
- Nequi digital platform drives transaction fee and deposit growth
- Colombian peso volatility raises loan loss provisions
| Net Income: 7708b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.03 > 0.02 and ΔFCF/TA 0.20 > 1.0 |
| NWC/Revenue: -560.8% < 20% (prev -530.7%; Δ -30.18% < -1%) |
| CFO/TA 0.04 > 3% & CFO 12547b > Net Income 7708b |
| Net Debt (-1740b) to EBITDA (11598b): -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 August 22, 2026, the stock is trading at USD 101.43 with a total of 237,363 shares traded. Over the past week, the price has changed by +5.25%, over one month by +21.27%, over three months by +55.48% and over the past year by +110.70%.
Current recommended Stop Loss: 97.40 (which is 4% or 1.3 ATR below the current price).
Grupo Cibest S.A. has received a consensus analysts rating of 2.89. Therefore, it is recommended to hold CIB.
- StrongBuy: 0
- Buy: 1
- Hold: 6
- Sell: 2
- StrongSell: 0
| Analysts Target Price | 82.5 | -18.7% |
Market Cap COP = 68975b (22.7b USD * 3038.2 USD.COP)
P/E Trailing = 9.5557
P/E Forward = 8.5106
P/S = 2.3848
P/B = 1.8539
P/EG = 0.4343
Revenue TTM = 44309b COP
EBIT TTM = 10542b COP
EBITDA TTM = 11598b COP
Long Term Debt = 16766b COP (from longTermDebt, last fiscal year)
Short Term Debt = 6455b COP (from shortTermDebt, last quarter)
Debt = 25090b COP (from shortLongTermDebtTotal, last quarter) + Leases 1375b
Net Debt = -1740b COP (calculated: Debt 25090b - CCE 26830b)
Enterprise Value = 67235b COP (68975b + Debt 25090b - CCE 26830b)
Interest Coverage Ratio = 0.83 (Ebit TTM 10542b / Interest Expense TTM 12749b)
EV/FCF = 6.57x (Enterprise Value 67235b / FCF TTM 10232b)
FCF Yield = 15.22% (FCF TTM 10232b / Enterprise Value 67235b)
FCF Margin = 23.09% (FCF TTM 10232b / 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 = 0.19 (Enterprise Value 67235b / Total Assets 351191b)
Interest Expense / Debt = 50.81% (Interest Expense 12749b / Debt 25090b)
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 25090b / totalStockholderEquity, last quarter 36875b)
Debt / EBITDA = -0.15 (Net Debt -1740b / EBITDA 11598b)
Debt / FCF = -0.17 (Net Debt -1740b / FCF TTM 10232b)
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 = 18.96% (EBIT 10542b / Capital Employed (Equity 38835b + L.T.Debt 16766b))
RoIC = 2.12% (NOPAT 7395b / Invested Capital 348975b)
WACC = 4.97% (E(68975b)/V(94065b) * Re(6.78%) + (debt cost/tax rate unavailable))
Discount Rate = 6.78% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -78.64 | Cagr: -0.80%
[DCF] Terminal Value 75.48% ; FCFF base≈10219b ; Y1≈10287b ; Y5≈10952b
[DCF] Fair Price = 1.58m (EV 170254b - Net Debt -1740b = Equity 171994b / Shares 108.9m; r=8.35% [WACC [floored]]; 5y FCF grow 0.30% → 2.50% )
[DCF] Fair Price = 1.58m (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=2.80 | Chg30d=+15.88% | Revisions=+40% | Analysts=4
EPS current Year (2026-12-31): EPS=10.98 | Chg30d=+22.22% | Revisions=+25% | GrowthEPS=+36.4% | GrowthRev=+4.6%
EPS next Year (2027-12-31): EPS=11.47 | Chg30d=+21.47% | Revisions=+40% | GrowthEPS=+4.4% | GrowthRev=+7.2%
[Analyst] Revisions Ratio: +62% (up=5, down=0)