Overview Dividends

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

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

Banking, Loans, Investments, Insurance, Cards

CIB EPS (Earnings per Share)

EPS Growth (3Y CAGR): 17.17%
EPS Trend (3Y Correlation): 74.6%

CIB Revenue

Revenue Growth (3Y CAGR): 3.17%
Revenue Trend (3Y Correlation): 32.6%

Risk via 10d forecast
Volatility	31.5%
Value at Risk 5%th	45.0%
Relative Tail Risk	-4.08%

Reward TTM
Sharpe Ratio	3.02
Alpha	141.49

Character TTM
Hurst Exponent	0.428
Beta	0.653
Beta Downside	0.824

Drawdowns 3y
Max DD	27.91%
Mean DD	6.64%
Median DD	5.86%

Description: CIB Grupo Cibest S.A. October 31, 2025

Grupo Cibest S.A. (NYSE:CIB) is a Colombian-based diversified banking group that offers a full suite of financial services, ranging from traditional deposit and loan products to sophisticated capital-markets activities such as hedging instruments, brokerage, and private banking. Its portfolio also includes cash-management, trade-finance, bancassurance, and a broad digital channel set (online, mobile, ATM network). The firm recently rebranded from Bancolombia S.A. in May 2025, retaining its historic roots dating back to 1875 and operating from its headquarters in Medellín.

Key metrics that investors typically monitor for CIB include a net interest margin (NIM) of roughly 3.2% in Q2 2024, loan-to-deposit growth of 7% year-over-year, and a non-performing loan ratio hovering near 2.1%, which is modest relative to the Colombian banking average of ~2.8%. The sector is currently driven by Colombia’s GDP expansion (≈3.5% annualized in 2024) and a tightening monetary policy cycle that is compressing spreads but also improving credit quality. Additionally, digital adoption is accelerating: over 55% of CIB’s retail transactions now occur via mobile or internet platforms, a rate that outpaces the regional average of ~45%.

For a deeper, data-rich assessment of Grupo Cibest’s valuation and risk profile, you may find the analytics on ValueRay useful as a next step.

CIB Stock Overview

Market Cap in USD	15,831m
Sub-Industry	Diversified Banks
IPO / Inception	1995-07-26
Return 12m vs S&P 500	108%
Analyst Rating	2.89 of 5

CIB Dividends

Dividend Yield	14.14%
Yield on Cost 5y	49.38%
Yield CAGR 5y	27.74%
Payout Consistency	86.8%
Payout Ratio	121.1%

CIB Growth Ratios

CAGR 3y	58.18%
CAGR/Max DD Calmar Ratio	2.08
CAGR/Mean DD Pain Ratio	8.76
Current Volume	411.8k
Average Volume	319.3k

Piotroski VR‑10 (Strict, 0-10) 3.0

Net Income (7336.37b TTM) > 0 and > 6% of Revenue (6% = 2064.59b TTM)

FCFTA 0.01 (>2.0%) and ΔFCFTA 0.28pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)

NWC/Revenue -667.8% (prev -946.9%; Δ 279.1pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp)

CFO/TA 0.01 (>3.0%) and CFO 3676.30b <= Net Income 7336.37b (YES >=105%, WARN >=100%)

Net Debt (2793.43b) to EBITDA (8162.81b) ratio: 0.34 <= 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 (954.6m) change vs 12m ago 297.0% (target <= -2.0% for YES)

Gross Margin 60.84% (prev 25.68%; Δ 35.16pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)

Asset Turnover 9.45% (prev 6.07%; Δ 3.39pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)

Interest Coverage Ratio 0.54 (EBITDA TTM 8162.81b / Interest Expense TTM 13681.81b) >= 6 (WARN >= 3)

Altman Z'' -3.78

(A) -0.61 = (Total Current Assets 61438.12b - Total Current Liabilities 291234.88b) / Total Assets 374631.66b

(B) 0.02 = Retained Earnings (Balance) 9047.85b / Total Assets 374631.66b

(D) 0.03 = Book Value of Equity 9047.85b / Total Liabilities 331041.65b

Total Rating: -3.78 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 63.08

1. Piotroski 3.0pt = -2.0

2. FCF Yield 3.07% = 1.54

3. FCF Margin 5.83% = 1.46

4. Debt/Equity 0.71 = 2.26

5. Debt/Ebitda 0.34 = 2.41

6. ROIC - WACC (= -0.17)% = -0.21

7. RoE 17.48% = 1.46

8. Rev. Trend 32.60% = 2.44

9. EPS Trend 74.62% = 3.73

What is the price of CIB shares?

As of November 17, 2025, the stock is trading at USD 62.94 with a total of 411,810 shares traded.
Over the past week, the price has changed by -0.99%, over one month by +11.77%, over three months by +26.67% and over the past year by +140.76%.

Is Grupo Cibest S.A. a good stock to buy?

Neither. Based on ValueRay´s Fundamental Analyses, Grupo Cibest S.A. is currently (November 2025) neither a good nor a bad stock to buy. It has a ValueRay Fundamental Rating of 63.08 and therefor a neutral outlook according to the companies health.
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of CIB is around 90.09 USD . This means that CIB is currently undervalued and has a potential upside of +43.14% (Margin of Safety).

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	48.5	-23%
Analysts Target Price	48.5	-23%
ValueRay Target Price	100.2	59.3%

CIB Fundamental Data Overview November 15, 2025

Market Cap COP = 59450.07b (15.83b USD * 3755.3319 USD.COP)
P/E Trailing = 7.6545
P/E Forward = 8.2372
P/S = 0.0006
P/B = 1.3833
P/EG = 1.65
Beta = 0.836
Revenue TTM = 34409.81b COP
EBIT TTM = 7390.95b COP
EBITDA TTM = 8162.81b COP
Long Term Debt = 23095.24b COP (from longTermDebt, last quarter)
Short Term Debt = 9190.28b COP (from shortTermDebt, last fiscal year)
Debt = 29914.58b COP (from shortLongTermDebtTotal, last fiscal year)
Net Debt = 2793.43b COP (from netDebt column, last fiscal year)
Enterprise Value = 65289.94b COP (59450.07b + Debt 29914.58b - CCE 24074.71b)
Interest Coverage Ratio = 0.54 (Ebit TTM 7390.95b / Interest Expense TTM 13681.81b)
FCF Yield = 3.07% (FCF TTM 2006.96b / Enterprise Value 65289.94b)
FCF Margin = 5.83% (FCF TTM 2006.96b / Revenue TTM 34409.81b)
Net Margin = 21.32% (Net Income TTM 7336.37b / Revenue TTM 34409.81b)
Gross Margin = 60.84% ((Revenue TTM 34409.81b - Cost of Revenue TTM 13475.03b) / Revenue TTM)
Gross Margin QoQ = 100.0% (prev 57.62%)
Tobins Q-Ratio = 0.17 (Enterprise Value 65289.94b / Total Assets 374631.66b)
Interest Expense / Debt = 11.08% (Interest Expense 3313.91b / Debt 29914.58b)
Taxrate = 28.10% (842.75b / 2999.08b)
NOPAT = 5314.07b (EBIT 7390.95b * (1 - 28.10%))
Current Ratio = 0.21 (Total Current Assets 61438.12b / Total Current Liabilities 291234.88b)
Debt / Equity = 0.71 (Debt 29914.58b / totalStockholderEquity, last quarter 42377.86b)
Debt / EBITDA = 0.34 (Net Debt 2793.43b / EBITDA 8162.81b)
Debt / FCF = 1.39 (Net Debt 2793.43b / FCF TTM 2006.96b)
Total Stockholder Equity = 41962.21b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.96% (Net Income 7336.37b / Total Assets 374631.66b)
RoE = 17.48% (Net Income TTM 7336.37b / Total Stockholder Equity 41962.21b)
RoCE = 11.36% (EBIT 7390.95b / Capital Employed (Equity 41962.21b + L.T.Debt 23095.24b))
RoIC = 8.10% (NOPAT 5314.07b / Invested Capital 65626.52b)
WACC = 8.27% (E(59450.07b)/V(89364.66b) * Re(8.42%) + D(29914.58b)/V(89364.66b) * Rd(11.08%) * (1-Tc(0.28)))
Discount Rate = 8.42% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 81.65 | Cagr: 99.24%
[DCF Debug] Terminal Value 68.78% ; FCFE base≈1565.06b ; Y1≈1027.54b ; Y5≈469.90b
Fair Price DCF = 76.7k (DCF Value 8666.66b / Shares Outstanding 113.0m; 5y FCF grow -40.0% → 3.0% )
EPS Correlation: 74.62 | EPS CAGR: 17.17% | SUE: 4.0 | # QB: 5
Revenue Correlation: 32.60 | Revenue CAGR: 3.17% | SUE: 0.03 | # QB: 0

Additional Sources for CIB Stock

News: Wall Street Journal | Benzinga | Yahoo Finance
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Fund Manager Positions: Dataroma | Stockcircle