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

Diversified Banks
Market Cap in USD: 16,731m
IPO / Inception: 1995-07-26
Return 12m vs S&P 500: 109%

EPS (Earnings per Share)

EPS (Earnings per Share) of CIB over the last years for every Quarter: "2020-12": -0.3, "2021-03": 0.65, "2021-06": 1.28, "2021-09": 1.02, "2021-12": 1.51, "2022-03": 1.92, "2022-06": 1.78, "2022-09": 1.41, "2022-12": 1.41, "2023-03": 1.58, "2023-06": 1.54, "2023-09": 1.53, "2023-12": 1.48, "2024-03": 1.77, "2024-06": 1.53, "2024-09": 1.52, "2024-12": 1.57, "2025-03": 1.74, "2025-06": 1.86, "2025-09": 2.18,
EPS CAGR: 10.29%
EPS Trend: 37.7%
Last SUE: 4.00
Qual. Beats: 5

Revenue

Revenue of CIB over the last years for every Quarter: 2020-12: 3825526, 2021-03: 5093664, 2021-06: 5264369, 2021-09: 5438956, 2021-12: 4809112, 2022-03: 6518824, 2022-06: 7338656, 2022-09: 8703935, 2022-12: 6872933, 2023-03: 11395187, 2023-06: 11250881, 2023-09: 11007575, 2023-12: 11505075, 2024-03: 10769672, 2024-06: 10765718, 2024-09: 10686211, 2024-12: 11007635, 2025-03: 10286636, 2025-06: 10529446, 2025-09: 10657803,
Rev. CAGR: 23.64%
Rev. Trend: 72.5%
Last SUE: 0.43
Qual. Beats: 0

Dividends

Dividend Yield 14.47%
Yield on Cost 5y 38.71%
Yield CAGR 5y 27.74%
Payout Consistency 86.8%
Payout Ratio 121.1%
Risk via 5d forecast
Volatility 27.7%
Value at Risk 5%th 44.1%
Relative Tail Risk -3.05%
Reward TTM
Sharpe Ratio 2.79
Alpha 125.00
CAGR/Max DD 1.92
Character TTM
Hurst Exponent 0.287
Beta 0.667
Beta Downside 0.821
Drawdowns 3y
Max DD 27.91%
Mean DD 6.66%
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.

Piotroski VR‑10 (Strict, 0-10) 5.0

Net Income (7336.37b TTM) > 0 and > 6% of Revenue (6% = 2548.89b TTM)
FCFTA 0.00 (>2.0%) and ΔFCFTA -0.22pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)
NWC/Revenue -533.3% (prev -464.4%; Δ -68.94pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp)
CFO/TA 0.01 (>3.0%) and CFO 2327.41b <= Net Income 7336.37b (YES >=105%, WARN >=100%)
Net Debt (-216.49b) to EBITDA (11410.01b) ratio: -0.02 <= 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 (127.4m) change vs 12m ago -47.02% (target <= -2.0% for YES)
Gross Margin 58.59% (prev 49.96%; Δ 8.63pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)
Asset Turnover 11.67% (prev 12.37%; Δ -0.70pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)
Interest Coverage Ratio 0.76 (EBITDA TTM 11410.01b / Interest Expense TTM 13681.81b) >= 6 (WARN >= 3)

Altman Z'' -3.58

(A) -0.60 = (Total Current Assets 60997.00b - Total Current Liabilities 287555.98b) / Total Assets 374631.66b
(B) 0.02 = Retained Earnings (Balance) 9047.85b / Total Assets 374631.66b
(C) 0.03 = EBIT TTM 10390.03b / Avg Total Assets 364032.48b
(D) 0.11 = Book Value of Equity 37520.37b / Total Liabilities 331041.65b
Total Rating: -3.58 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 67.38

1. Piotroski 5.0pt
2. FCF Yield 0.23%
3. FCF Margin 0.32%
4. Debt/Equity 0.66
5. Debt/Ebitda -0.02
6. ROIC - WACC (= 2.89)%
7. RoE 17.48%
8. Rev. Trend 72.48%
9. EPS Trend 37.73%

What is the price of CIB shares?

As of December 19, 2025, the stock is trading at USD 61.50 with a total of 378,635 shares traded.
Over the past week, the price has changed by -4.18%, over one month by -2.02%, over three months by +19.28% and over the past year by +144.64%.

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 51.6 -16.1%
Analysts Target Price 51.6 -16.1%
ValueRay Target Price 97.4 58.4%

CIB Fundamental Data Overview December 13, 2025

Market Cap COP = 64266.22b (16.73b USD * 3841.1196 USD.COP)
P/E Trailing = 8.0933
P/E Forward = 8.3472
P/S = 2.0987
P/B = 1.402
P/EG = 1.65
Beta = 0.829
Revenue TTM = 42481.52b COP
EBIT TTM = 10390.03b COP
EBITDA TTM = 11410.01b COP
Long Term Debt = 23095.24b COP (from longTermDebt, last quarter)
Short Term Debt = 3174.59b COP (from shortTermDebt, last quarter)
Debt = 27866.62b COP (from shortLongTermDebtTotal, last quarter)
Net Debt = -216.49b COP (from netDebt column, last quarter)
Enterprise Value = 58796.30b COP (64266.22b + Debt 27866.62b - CCE 33336.54b)
Interest Coverage Ratio = 0.76 (Ebit TTM 10390.03b / Interest Expense TTM 13681.81b)
FCF Yield = 0.23% (FCF TTM 136.12b / Enterprise Value 58796.30b)
FCF Margin = 0.32% (FCF TTM 136.12b / Revenue TTM 42481.52b)
Net Margin = 17.27% (Net Income TTM 7336.37b / Revenue TTM 42481.52b)
Gross Margin = 58.59% ((Revenue TTM 42481.52b - Cost of Revenue TTM 17591.21b) / Revenue TTM)
Gross Margin QoQ = 61.13% (prev 57.73%)
Tobins Q-Ratio = 0.16 (Enterprise Value 58796.30b / Total Assets 374631.66b)
Interest Expense / Debt = 11.89% (Interest Expense 3313.91b / Debt 27866.62b)
Taxrate = 28.10% (842.75b / 2999.08b)
NOPAT = 7470.40b (EBIT 10390.03b * (1 - 28.10%))
Current Ratio = 0.21 (Total Current Assets 60997.00b / Total Current Liabilities 287555.98b)
Debt / Equity = 0.66 (Debt 27866.62b / totalStockholderEquity, last quarter 42377.86b)
Debt / EBITDA = -0.02 (Net Debt -216.49b / EBITDA 11410.01b)
Debt / FCF = -1.59 (Net Debt -216.49b / FCF TTM 136.12b)
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 = 15.97% (EBIT 10390.03b / Capital Employed (Equity 41962.21b + L.T.Debt 23095.24b))
RoIC = 11.38% (NOPAT 7470.40b / Invested Capital 65626.52b)
WACC = 8.49% (E(64266.22b)/V(92132.84b) * Re(8.47%) + D(27866.62b)/V(92132.84b) * Rd(11.89%) * (1-Tc(0.28)))
Discount Rate = 8.47% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -81.65 | Cagr: -27.21%
[DCF Debug] Terminal Value 68.55% ; FCFE base≈442.56b ; Y1≈290.56b ; Y5≈132.87b
Fair Price DCF = 21.5k (DCF Value 2430.59b / Shares Outstanding 113.0m; 5y FCF grow -40.0% → 3.0% )
EPS Correlation: 37.73 | EPS CAGR: 10.29% | SUE: 4.0 | # QB: 5
Revenue Correlation: 72.48 | Revenue CAGR: 23.64% | SUE: 0.43 | # QB: 0
EPS next Quarter (2026-03-31): EPS=2.14 | Chg30d=+0.123 | Revisions Net=+3 | Analysts=4
EPS next Year (2026-12-31): EPS=7.88 | Chg30d=+0.471 | Revisions Net=+4 | Growth EPS=+0.1% | Growth Revenue=+5.8%

Additional Sources for CIB Stock

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