CIB Stock Analysis: Grupo Cibest S.A. | NYSE
Banks - Regional | NYSE, USA | Market Cap: 18.808m USD | 12M Return: 77.7% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 30.8M
EPS Trend: 90.5%
Qual. Beats: -2
Rev. Trend: 33.5%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
Seasonality 10.5 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: 6976b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.03 > 0.02 and ΔFCF/TA -0.17 > 1.0 |
| NWC/Revenue: -576.6% < 20% (prev -520.4%; Δ -56.17% < -1%) |
| CFO/TA 0.03 > 3% & CFO 12547b > Net Income 6976b |
| Net Debt (-1897b) to EBITDA (10667b): -0.18 < 3 |
| Current Ratio: 0.09 > 1.5 & < 3 |
| Outstanding Shares: last quarter (237.3m) vs 12m ago -0.47% < -2% |
| Gross Margin: 59.33% > 18% (prev 53.99%; Δ 5.34% > 0.5%) |
| Asset Turnover: 11.51% > 50% (prev 11.74%; Δ -0.23% > 0%) |
| Interest Coverage Ratio: 0.74 > 6 (EBIT TTM 9621b / Interest Expense TTM 12984b) |
| A: -0.64 (Total Current Assets 25457b - Total Current Liabilities 275332b) / Total Assets 389144b |
| B: 0.01 (Retained Earnings 4891b / Total Assets 389144b) |
| C: 0.03 (EBIT TTM 9621b / Avg Total Assets 376635b) |
| D: 0.10 (Book Value of Equity 36377b / Total Liabilities 351528b) |
| Altman-Z'' = -3.89 = D |
As of July 04, 2026, the stock is trading at USD 79.15 with a total of 284,000 shares traded. Over the past week, the price has changed by +2.00%, over one month by +11.37%, over three months by +10.56% and over the past year by +77.69%.
Current recommended Stop Loss: 75.60 (which is 4.5% or 1.4 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 | 66.2 | -16.4% |
Market Cap COP = 63168b (18.8b USD * 3358.5801 USD.COP)
P/E Trailing = 10.0596
P/E Forward = 8.5106
P/S = 1.2615
P/B = 1.8238
P/EG = 0.4343
Revenue TTM = 43340b COP
EBIT TTM = 9621b COP
EBITDA TTM = 10667b COP
Long Term Debt = 16672b COP (from longTermDebt, last quarter)
Short Term Debt = 2009b COP (from shortTermDebt, last quarter)
Debt = 21432b COP (from shortLongTermDebtTotal, last quarter) + Leases 1375b
Net Debt = -1897b COP (calculated: Debt 21432b - CCE 23328b)
Enterprise Value = 61272b COP (63168b + Debt 21432b - CCE 23328b)
Interest Coverage Ratio = 0.74 (Ebit TTM 9621b / Interest Expense TTM 12984b)
EV/FCF = 5.99x (Enterprise Value 61272b / FCF TTM 10232b)
FCF Yield = 16.70% (FCF TTM 10232b / Enterprise Value 61272b)
FCF Margin = 23.61% (FCF TTM 10232b / Revenue TTM 43340b)
Net Margin = 16.10% (Net Income TTM 6976b / Revenue TTM 43340b)
Gross Margin = 59.33% ((Revenue TTM 43340b - Cost of Revenue TTM 17626b) / Revenue TTM)
Gross Margin QoQ = 59.16% (prev 59.29%)
Tobins Q-Ratio = 0.16 (Enterprise Value 61272b / Total Assets 389144b)
Interest Expense / Debt = 60.59% (Interest Expense 12984b / Debt 21432b)
Taxrate = 30.03% (2889b / 9621b)
NOPAT = 6732b (EBIT 9621b * (1 - 30.03%))
Current Ratio = 0.09 (Total Current Assets 25457b / Total Current Liabilities 275332b)
Debt / Equity = 0.59 (Debt 21432b / totalStockholderEquity, last quarter 36377b)
Debt / EBITDA = -0.18 (Net Debt -1897b / EBITDA 10667b)
Debt / FCF = -0.19 (Net Debt -1897b / FCF TTM 10232b)
Total Stockholder Equity = 39940b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.85% (Net Income 6976b / Total Assets 389144b)
RoE = 17.47% (Net Income TTM 6976b / Total Stockholder Equity 39940b)
RoCE = 16.99% (EBIT 9621b / Capital Employed (Equity 39940b + L.T.Debt 16672b))
RoIC = 5.92% (NOPAT 6732b / Invested Capital 113655b)
WACC = 5.87% (E(63168b)/V(84600b) * Re(7.86%) + (debt cost/tax rate unavailable))
Discount Rate = 7.86% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -60.86 | Cagr: -0.59%
[DCF] Terminal Value 75.48% ; FCFF base≈10219b ; Y1≈10287b ; Y5≈10952b
[DCF] Fair Price = 1.57m (EV 170254b - Net Debt -1897b = Equity 172150b / Shares 110.0m; r=8.35% [WACC [floored]]; 5y FCF grow 0.30% → 2.50% )
[DCF] Fair Price = 1.57m (out of range, set to none)
EPS Correlation: 90.54 | EPS CAGR: 8.50% | SUE: -1.23 | # QB: -2
Revenue Correlation: 33.54 | Revenue CAGR: 1.68% | SUE: 0.65 | # QB: 0
EPS current Quarter (2026-09-30): EPS=2.41 | Chg30d=+4.17% | Revisions=+33% | Analysts=5
EPS current Year (2026-12-31): EPS=8.86 | Chg30d=+2.64% | Revisions=+0% | GrowthEPS=+10.0% | GrowthRev=+3.5%
EPS next Year (2027-12-31): EPS=9.52 | Chg30d=+6.17% | Revisions=+0% | GrowthEPS=+7.5% | GrowthRev=+8.5%
[Analyst] Revisions Ratio: +33%