(CIB) Grupo Cibest S.A. - Overview

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

Stock:

Total Rating 51

Risk 62

Buy Signal -0.55

Banks - Regional -7.0
Diversified Banks -19.2

Market Cap: 18,014m
Avg Trading Vol: 35.3M USD

ATR: 4.19%
Peers RS (IBD): 86.79

Risk 5d forecast
Volatility	34.8%
Relative Tail Risk	-4.97%

Reward TTM
Sharpe Ratio	2.12
Alpha	88.43

Character TTM
Beta	0.162
Beta Downside	-0.641

Drawdowns 3y
Max DD	21.60%
CAGR/Max DD	2.66

EPS (Earnings per Share)

EPS CAGR: -2.15%
EPS Trend: 38.8%

Last SUE: -0.95
Qual. Beats: 0

Revenue

Rev. CAGR: 16.85%
Rev. Trend: 68.2%

Last SUE: 1.02
Qual. Beats: 1

Description: CIB Grupo Cibest S.A.

Grupo Cibest S.A., together with its subsidiaries, provides various banking products and services in Colombia and internationally. It offers checking and savings accounts, money market accounts, time deposits, fixed term deposits, and investment products; trade financing, loans funded by domestic development banks, working capital loans, mortgage, credit cards, personal and vehicle loans, payroll loans, and overdrafts; factoring; and financial and operating leasing services. The company also provides hedging instruments, including futures, forwards, options, and swaps; and brokerage, investment advisory, and private banking services comprising selling and distributing equities, futures, foreign currencies, fixed income securities, mutual funds, and structured products. In addition, it offers cash management services; foreign currency and trade finance solutions; letters of credit and bills collection; bancassurance and insurance products; telephone and mobile phone banking services; and ATM network, online and computer banking services. Further, the company provides project and acquisition finance, loan syndication, corporate loans, debt and equity capital markets, principal investments, mergers and acquisition, hedging strategy advisories, restructurings, and structured financing; mutual and pension funds, private equity funds, payment and corporate trust, and custody; internet-based trading platform; inter-bank lending and repurchase agreements; managing escrow accounts, and investment and real estate funds; credit cards; roadside and medical assistance services; and transportation, maintenance and remodeling, and outsourcing services, as well as provides technology services. The company was formerly known as Bancolombia S.A. and changed its name to Grupo Cibest S.A. in May 2025. The company was founded in 1875 and is headquartered in Medellín, Colombia.

Piotroski VR‑10 (Strict, 0-10) 5.5

Net Income: 7256.58b TTM > 0 and > 6% of Revenue
FCF/TA: 0.04 > 0.02 and ΔFCF/TA 3.89 > 1.0
NWC/Revenue: -524.9% < 20% (prev -531.5%; Δ 6.63% < -1%)
CFO/TA 0.04 > 3% & CFO 16480.90b > Net Income 7256.58b
Net Debt (27866.62b) to EBITDA (10697.67b): 2.60 < 3
Current Ratio: 0.21 > 1.5 & < 3
Outstanding Shares: last quarter (238.3m) vs 12m ago -0.90% < -2%
Gross Margin: 58.75% > 18% (prev 0.53%; Δ 5822 % > 0.5%)
Asset Turnover: 11.56% > 50% (prev 11.62%; Δ -0.06% > 0%)
Interest Coverage Ratio: 0.60 > 6 (EBITDA TTM 10697.67b / Interest Expense TTM 13263.07b)

Altman Z'' -3.75

A: -0.60 (Total Current Assets 60997.00b - Total Current Liabilities 287555.98b) / Total Assets 374631.66b
B: 0.02 (Retained Earnings 9047.85b / Total Assets 374631.66b)
C: 0.02 (EBIT TTM 7946.76b / Avg Total Assets 373423.52b)
D: 0.0 (Book Value of Equity 0.0 / Total Liabilities 331041.65b)
Altman-Z'' Score: -3.75 = D

Beneish M

DSRI: none (Receivables none/28456.89b, Revenue 43163.06b/43233.73b)
GMI: 0.90 (GM 58.75% / 52.61%)
AQI: none (AQ_t none / AQ_t-1 none)
SGI: 1.00 (Revenue 43163.06b / 43233.73b)
TATA: -0.02 (NI 7256.58b - CFO 16480.90b) / TA 374631.66b)
Beneish M-Score: cannot calculate (missing components)

What is the price of CIB shares?

As of March 04, 2026, the stock is trading at USD 66.27 with a total of 895,176 shares traded.
Over the past week, the price has changed by -12.49%, over one month by -19.85%, over three months by +3.47% and over the past year by +98.63%.

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?

Issuer	Target	Up/Down from current
Wallstreet Target Price	61.1	-7.8%
Analysts Target Price	61.1	-7.8%

CIB Fundamental Data Overview February 28, 2026

P/E Trailing = 9.0091
P/E Forward = 7.215
P/S = 1.7431
P/B = 1.1866
P/EG = 1.65
Revenue TTM = 43163.06b USD
EBIT TTM = 7946.76b USD
EBITDA TTM = 10697.67b USD
Long Term Debt = 23095.24b USD (from longTermDebt, two quarters ago)
Short Term Debt = 3174.59b USD (from shortTermDebt, two quarters ago)
Debt = 27866.62b USD (from shortLongTermDebtTotal, two quarters ago)
Net Debt = 27866.62b USD (using Total Debt 27866.62b, CCE unavailable)
Enterprise Value = 27884.63b USD (18.01b + Debt 27866.62b - (null CCE))
Interest Coverage Ratio = 0.60 (Ebit TTM 7946.76b / Interest Expense TTM 13263.07b)
EV/FCF = 1.95x (Enterprise Value 27884.63b / FCF TTM 14289.61b)
FCF Yield = 51.25% (FCF TTM 14289.61b / Enterprise Value 27884.63b)
FCF Margin = 33.11% (FCF TTM 14289.61b / Revenue TTM 43163.06b)
Net Margin = 16.81% (Net Income TTM 7256.58b / Revenue TTM 43163.06b)
Gross Margin = 58.75% ((Revenue TTM 43163.06b - Cost of Revenue TTM 17805.51b) / Revenue TTM)
Gross Margin QoQ = 59.29% (prev 61.13%)
Tobins Q-Ratio = 0.07 (Enterprise Value 27884.63b / Total Assets 374631.66b)
Interest Expense / Debt = 11.51% (Interest Expense 3206.69b / Debt 27866.62b)
Taxrate = 34.20% (681.48b / 1992.58b)
NOPAT = 5228.89b (EBIT 7946.76b * (1 - 34.20%))
Current Ratio = 0.21 (Total Current Assets 60997.00b / Total Current Liabilities 287555.98b)
Debt / Equity = 0.66 (Debt 27866.62b / totalStockholderEquity, two quarters ago 42377.86b)
Debt / EBITDA = 2.60 (Net Debt 27866.62b / EBITDA 10697.67b)
Debt / FCF = 1.95 (Net Debt 27866.62b / FCF TTM 14289.61b)
Total Stockholder Equity = 41962.21b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.94% (Net Income 7256.58b / Total Assets 374631.66b)
RoE = 17.29% (Net Income TTM 7256.58b / Total Stockholder Equity 41962.21b)
RoCE = 12.21% (EBIT 7946.76b / Capital Employed (Equity 41962.21b + L.T.Debt 23095.24b))
RoIC = 8.17% (NOPAT 5228.89b / Invested Capital 63999.63b)
WACC = 7.57% (E(18.01b)/V(27884.63b) * Re(6.51%) + D(27866.62b)/V(27884.63b) * Rd(11.51%) * (1-Tc(0.34)))
Discount Rate = 6.51% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 7.95%
Shares Correlation 3-Years: -81.65 | Cagr: -0.45%
[DCF] Terminal Value 75.71% ; FCFF base≈14289.61b ; Y1≈11141.89b ; Y5≈7172.43b
[DCF] Fair Price = 1.04m (EV 144900.55b - Net Debt 27866.62b = Equity 117033.93b / Shares 113.0m; r=7.57% [WACC]; 5y FCF grow -26.24% → 2.90% )
[DCF] Fair Price = 1.04m (out of range, set to none)
EPS Correlation: 38.75 | EPS CAGR: -2.15% | SUE: -0.95 | # QB: 0
Revenue Correlation: 68.20 | Revenue CAGR: 16.85% | SUE: 1.02 | # QB: 1
EPS next Quarter (2026-06-30): EPS=2.07 | Chg7d=+0.015 | Chg30d=+0.015 | Revisions Net=+1 | Analysts=2
EPS current Year (2026-12-31): EPS=8.06 | Chg7d=+0.120 | Chg30d=+0.120 | Revisions Net=+1 | Growth EPS=+0.1% | Growth Revenue=+2.3%
EPS next Year (2027-12-31): EPS=8.48 | Chg7d=+0.370 | Chg30d=+0.370 | Revisions Net=+2 | Growth EPS=+5.2% | Growth Revenue=+8.1%
[Analyst] Revisions Ratio: +1.00 (1 Up / 0 Down within 30d for Next Quarter)
[Growth] Implied Growth Rate = -3.1% (Discount Rate 7.9% - Earnings Yield 11.1%)
[Growth] Growth Spread = +7.5% (Analyst 4.4% - Implied -3.1%)

Additional Sources for CIB Stock

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