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): 20.43%
Revenue Trend (3Y Correlation): 30.5%

Risk via 10d forecast
Volatility	29.4%
Value at Risk 5%th	46.5%
Relative Tail Risk	-3.95%

Reward TTM
Sharpe Ratio	2.99
Alpha	133.14

Character TTM
Hurst Exponent	0.449
Beta	0.656
Beta Downside	0.809

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	15,023m
Sub-Industry	Diversified Banks
IPO / Inception	1995-07-26
Return 12m vs S&P 500	121%
Analyst Rating	2.89 of 5

CIB Dividends

Dividend Yield	14.20%
Yield on Cost 5y	49.38%
Yield CAGR 5y	27.74%
Payout Consistency	86.8%
Payout Ratio	121.1%

CIB Growth Ratios

CAGR 3y	57.86%
CAGR/Max DD Calmar Ratio	2.07
CAGR/Mean DD Pain Ratio	8.71
Current Volume	358k
Average Volume	319.3k

Piotroski VR‑10 (Strict, 0-10) 3.5

Net Income (6693.47b TTM) > 0 and > 6% of Revenue (6% = 1943.30b TTM)

FCFTA -0.01 (>2.0%) and ΔFCFTA -3.16pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)

NWC/Revenue -804.0% (prev -568.5%; Δ -235.5pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp)

CFO/TA -0.00 (>3.0%) and CFO -945.36b <= Net Income 6693.47b (YES >=105%, WARN >=100%)

Net Debt (3151.40b) to EBITDA (10494.31b) ratio: 0.30 <= 3.0 (WARN <= 3.5)

Current Ratio 0.09 (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 42.06% (prev 53.18%; Δ -11.12pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)

Asset Turnover 8.90% (prev 6.46%; Δ 2.45pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)

Interest Coverage Ratio 0.68 (EBITDA TTM 10494.31b / Interest Expense TTM 14070.41b) >= 6 (WARN >= 3)

Altman Z'' -4.20

(A) -0.69 = (Total Current Assets 27000.51b - Total Current Liabilities 287399.01b) / Total Assets 375250.73b

(B) 0.02 = Retained Earnings (Balance) 7094.31b / Total Assets 375250.73b

(D) 0.11 = Book Value of Equity 36436.58b / Total Liabilities 332866.44b

Total Rating: -4.20 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 56.49

1. Piotroski 3.50pt = -1.50

2. FCF Yield -4.95% = -2.48

3. FCF Margin -9.10% = -3.41

4. Debt/Equity 0.66 = 2.29

5. Debt/Ebitda 0.30 = 2.43

6. ROIC - WACC (= 1.44)% = 1.80

7. RoE 16.09% = 1.34

8. Rev. Trend 30.50% = 2.29

9. EPS Trend 74.62% = 3.73

What is the price of CIB shares?

As of November 14, 2025, the stock is trading at USD 62.69 with a total of 358,005 shares traded.
Over the past week, the price has changed by +4.02%, over one month by +14.06%, over three months by +29.36% and over the past year by +152.26%.

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 56.49 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 88.96 USD . This means that CIB is currently undervalued and has a potential upside of +41.9% (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	-23.5%
Analysts Target Price	48	-23.5%
ValueRay Target Price	99.7	59.1%

CIB Fundamental Data Overview November 09, 2025

Market Cap COP = 56336.30b (15.02b USD * 3750.1041 USD.COP)
P/E Trailing = 7.9723
P/E Forward = 7.215
P/S = 0.0006
P/B = 1.1866
P/EG = 1.65
Beta = 0.836
Revenue TTM = 32388.39b COP
EBIT TTM = 9500.63b COP
EBITDA TTM = 10494.31b COP
Long Term Debt = 21819.62b COP (from longTermDebt, last quarter)
Short Term Debt = 3940.35b COP (from shortTermDebt, last quarter)
Debt = 27395.76b COP (from shortLongTermDebtTotal, last quarter)
Net Debt = 3151.40b COP (from netDebt column, last quarter)
Enterprise Value = 59487.70b COP (56336.30b + Debt 27395.76b - CCE 24244.36b)
Interest Coverage Ratio = 0.68 (Ebit TTM 9500.63b / Interest Expense TTM 14070.41b)
FCF Yield = -4.95% (FCF TTM -2946.62b / Enterprise Value 59487.70b)
FCF Margin = -9.10% (FCF TTM -2946.62b / Revenue TTM 32388.39b)
Net Margin = 20.67% (Net Income TTM 6693.47b / Revenue TTM 32388.39b)
Gross Margin = 42.06% ((Revenue TTM 32388.39b - Cost of Revenue TTM 18765.01b) / Revenue TTM)
Gross Margin QoQ = 57.62% (prev 56.68%)
Tobins Q-Ratio = 0.16 (Enterprise Value 59487.70b / Total Assets 375250.73b)
Interest Expense / Debt = 12.39% (Interest Expense 3393.01b / Debt 27395.76b)
Taxrate = 26.37% (655.05b / 2484.00b)
NOPAT = 6995.24b (EBIT 9500.63b * (1 - 26.37%))
Current Ratio = 0.09 (Total Current Assets 27000.51b / Total Current Liabilities 287399.01b)
Debt / Equity = 0.66 (Debt 27395.76b / totalStockholderEquity, last quarter 41294.07b)
Debt / EBITDA = 0.30 (Net Debt 3151.40b / EBITDA 10494.31b)
Debt / FCF = -1.07 (negative FCF - burning cash) (Net Debt 3151.40b / FCF TTM -2946.62b)
Total Stockholder Equity = 41592.60b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.78% (Net Income 6693.47b / Total Assets 375250.73b)
RoE = 16.09% (Net Income TTM 6693.47b / Total Stockholder Equity 41592.60b)
RoCE = 14.98% (EBIT 9500.63b / Capital Employed (Equity 41592.60b + L.T.Debt 21819.62b))
RoIC = 10.55% (NOPAT 6995.24b / Invested Capital 66314.07b)
WACC = 9.11% (E(56336.30b)/V(83732.06b) * Re(9.10%) + D(27395.76b)/V(83732.06b) * Rd(12.39%) * (1-Tc(0.26)))
Discount Rate = 9.10% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 0.0 | Cagr: 0.0%
Fair Price DCF = unknown (Cash Flow -2946.62b)
EPS Correlation: 74.62 | EPS CAGR: 17.17% | SUE: 4.0 | # QB: 5
Revenue Correlation: 30.50 | Revenue CAGR: 20.43% | SUE: 0.48 | # QB: 0

Additional Sources for CIB Stock

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