(CIB) Grupo Cibest S.A. - Overview
Sector: Financial Services | Industry: Banks - Regional | Exchange: NYSE (USA) | Market Cap: 14.986m USD | Total Return: 63.8% in 12m
Banking, Loans, Asset Management, Insurance, Leasing
Total Rating 43
Safety 29
Buy Signal 0.10
Banks - Regional
Industry Rotation: +1.2
Industry Rotation: +1.2
Market Cap:
15.0B
Avg Turnover: 20.0M
Avg Turnover: 20.0M
Risk 3d forecast
Volatility28.6%
VaR 5th Pctl4.90%
VaR vs Median3.86%
Reward TTM
Sharpe Ratio1.65
Rel. Str. IBD62.6
Rel. Str. Peer Group51.9
Character TTM
Beta0.567
Beta Downside0.392
Hurst Exponent0.607
Drawdowns 3y
Max DD23.95%
CAGR/Max DD2.68
CAGR/Mean DD11.04
EPS (Earnings per Share)
EPS CAGR: 9.32%
EPS Trend: 91.4%
EPS Trend: 91.4%
Last SUE: -0.92
Qual. Beats: -2
Qual. Beats: -2
Revenue
Rev. CAGR: 1.68%
Rev. Trend: 33.5%
Rev. Trend: 33.5%
Last SUE: 0.65
Qual. Beats: 0
Qual. Beats: 0
Warnings
Below Avwap Earnings
Tailwinds
Confidence
Description: CIB Grupo Cibest S.A.
Grupo Cibest S.A. (formerly Bancolombia S.A.) is a full-service financial institution headquartered in Medellín, Colombia. The company operates a diversified banking model, providing retail, corporate, and investment banking services alongside insurance, asset management, and fiduciary solutions. Its digital infrastructure includes the Nequi platform and Wompi payment processing to capture the growing fintech market in Latin America.
The company maintains a significant presence in the Colombian market while managing international operations through trade finance and foreign exchange services. As a diversified bank, its revenue streams are spread across interest income from consumer and commercial loans, as well as fee-based income from brokerage, investment banking, and trust services. Traditional banking in emerging markets often faces higher sensitivity to local central bank interest rate cycles and sovereign credit ratings compared to developed markets.
Investors can further examine the company’s valuation metrics and historical performance on ValueRay.
Founded in 1875, Grupo Cibest utilizes an omnichannel distribution strategy that integrates physical branches and ATMs with mobile and online banking. The firm also focuses on specialized lending products, including inflation-indexed sustainability loans and mortgage innovations, to address specific regional economic conditions.
- Colombian central bank interest rate decisions impact net interest margin profitability
- Asset quality trends in domestic loan portfolios drive provisioning and earnings
- Nequi digital platform expansion accelerates retail customer acquisition and fee revenue
- Fluctuations in the Colombian Peso affect valuation of international banking operations
- Infrastructure and corporate lending volume tracks national GDP and investment cycles
Piotroski VR‑10 (Strict)
5.5
| Net Income: 6976.03b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.03 > 0.02 and ΔFCF/TA -0.23 > 1.0 |
| NWC/Revenue: -576.6% < 20% (prev -520.4%; Δ -56.17% < -1%) |
| CFO/TA 0.03 > 3% & CFO 12258.94b > Net Income 6976.03b |
| Net Debt (-1896.60b) to EBITDA (10369.79b): -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 0.54%; Δ 5.88k% > 0.5%) |
| Asset Turnover: 11.51% > 50% (prev 11.74%; Δ -0.23% > 0%) |
| Interest Coverage Ratio: 0.59 > 6 (EBITDA TTM 10369.79b / Interest Expense TTM 12984.31b) |
Altman Z''
-3.94
| A: -0.64 (Total Current Assets 25456.87b - Total Current Liabilities 275331.63b) / Total Assets 389144.48b |
| B: 0.01 (Retained Earnings 4890.84b / Total Assets 389144.48b) |
| C: 0.02 (EBIT TTM 7628.43b / Avg Total Assets 376634.89b) |
| D: 0.09 (Book Value of Equity 31519.24b / Total Liabilities 351528.21b) |
| Altman-Z'' = -3.94 = D |
Beneish M
-3.85
| DSRI: 0.02 (Receivables 643.35b/26327.31b, Revenue 43339.53b/42750.69b) |
| GMI: 0.91 (GM 59.33% / 53.99%) |
| AQI: 1.12 (AQ_t 0.92 / AQ_t-1 0.82) |
| SGI: 1.01 (Revenue 43339.53b / 42750.69b) |
| TATA: -0.01 (NI 6976.03b - CFO 12258.94b) / TA 389144.48b) |
| Beneish M = -3.85 (Cap -4..+1) = AAA |
What is the price of CIB shares?
As of May 22, 2026, the stock is trading at USD 66.32 with a total of 272,567 shares traded.
Over the past week, the price has changed by +3.08%, over one month by -9.41%, over three months by -16.09% and over the past year by +63.76%.
Over the past week, the price has changed by +3.08%, over one month by -9.41%, over three months by -16.09% and over the past year by +63.76%.
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.
- StrongBuy: 0
- Buy: 1
- Hold: 6
- Sell: 2
- StrongSell: 0
What are the forecasts/targets for the CIB price?
| Analysts Target Price | 63 | -5% |
Grupo Cibest S.A. (CIB) - Fundamental Data Overview
as of 19 May 2026
Market Cap COP = 55678.81b (14.99b USD * 3715.47 USD.COP)P/E Trailing = 8.6758
P/E Forward = 8.5106
P/S = 2.0278
P/B = 1.5731
P/EG = 0.4343
Revenue TTM = 43339.53b COP
EBIT TTM = 7628.43b COP
EBITDA TTM = 10369.79b COP
Long Term Debt = 16672.30b COP (from longTermDebt, last quarter)
Short Term Debt = 2009.40b COP (from shortTermDebt, last quarter)
Debt = 21431.51b COP (from shortLongTermDebtTotal, last quarter) + Leases 1374.91b
Net Debt = -1896.60b COP (calculated: Debt 21431.51b - CCE 23328.12b)
Enterprise Value = 53782.21b COP (55678.81b + Debt 21431.51b - CCE 23328.12b)
Interest Coverage Ratio = 0.59 (Ebit TTM 7628.43b / Interest Expense TTM 12984.31b)
EV/FCF = 5.37x (Enterprise Value 53782.21b / FCF TTM 10014.72b)
FCF Yield = 18.62% (FCF TTM 10014.72b / Enterprise Value 53782.21b)
FCF Margin = 23.11% (FCF TTM 10014.72b / Revenue TTM 43339.53b)
Net Margin = 16.10% (Net Income TTM 6976.03b / Revenue TTM 43339.53b)
Gross Margin = 59.33% ((Revenue TTM 43339.53b - Cost of Revenue TTM 17625.85b) / Revenue TTM)
Gross Margin QoQ = 59.16% (prev 59.29%)
Tobins Q-Ratio = 0.14 (Enterprise Value 53782.21b / Total Assets 389144.48b)
Interest Expense / Debt = 14.33% (Interest Expense 3070.69b / Debt 21431.51b)
Taxrate = 33.07% (709.54b / 2145.36b)
NOPAT = 5105.48b (EBIT 7628.43b * (1 - 33.07%))
Current Ratio = 0.09 (Total Current Assets 25456.87b / Total Current Liabilities 275331.63b)
Debt / Equity = 0.59 (Debt 21431.51b / totalStockholderEquity, last quarter 36376.73b)
Debt / EBITDA = -0.18 (Net Debt -1896.60b / EBITDA 10369.79b)
Debt / FCF = -0.19 (Net Debt -1896.60b / FCF TTM 10014.72b)
Total Stockholder Equity = 39940.22b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.85% (Net Income 6976.03b / Total Assets 389144.48b)
RoE = 17.47% (Net Income TTM 6976.03b / Total Stockholder Equity 39940.22b)
RoCE = 13.47% (EBIT 7628.43b / Capital Employed (Equity 39940.22b + L.T.Debt 16672.30b))
RoIC = 5.52% (NOPAT 5105.48b / Invested Capital 92494.13b)
WACC = 8.43% (E(55678.81b)/V(77110.33b) * Re(7.98%) + D(21431.51b)/V(77110.33b) * Rd(14.33%) * (1-Tc(0.33)))
Discount Rate = 7.98% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -60.86 | Cagr: -0.59%
[DCF] Terminal Value 68.74% ; FCFF base≈10089.15b ; Y1≈6624.00b ; Y5≈3029.19b
[DCF] Fair Price = 525k (EV 55802.43b - Net Debt -1896.60b = Equity 57699.03b / Shares 110.0m; r=8.43% [WACC]; 5y FCF grow -40.0% → 3.0% )
[DCF] Fair Price = 525k (out of range, set to none)
EPS Correlation: 91.39 | EPS CAGR: 9.32% | SUE: -0.92 | # QB: -2
Revenue Correlation: 33.54 | Revenue CAGR: 1.68% | SUE: 0.65 | # QB: 0
EPS current Quarter (2026-06-30): EPS=2.23 | Chg30d=+9.73% | Revisions=+43% | Analysts=4
EPS next Quarter (2026-09-30): EPS=2.38 | Chg30d=+9.62% | Revisions=+33% | Analysts=4
EPS current Year (2026-12-31): EPS=8.52 | Chg30d=+6.17% | Revisions=+43% | GrowthEPS=+5.8% | GrowthRev=+1.6%
EPS next Year (2027-12-31): EPS=8.93 | Chg30d=+2.41% | Revisions=+25% | GrowthEPS=+4.8% | GrowthRev=+9.7%
[Analyst] Revisions Ratio: +43%