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

EPS (Earnings per Share)

EPS (Earnings per Share) of CIB over the last years for every Quarter: "2020-09": 0.3, "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: 17.17%
EPS Trend: 74.6%
Last SUE: 4.00σ
Qual. Beats: 5

Revenue

Revenue of CIB over the last years for every Quarter: 2020-09: 3821207, 2020-12: 3825526, 2021-03: 3985014, 2021-06: 4195257, 2021-09: 4371507, 2021-12: 4809112, 2022-03: 5281308, 2022-06: 5722347, 2022-09: 6329105, 2022-12: 6872933, 2023-03: 7373214, 2023-06: 7138579, 2023-09: 6763850, 2023-12: 5337645, 2024-03: 5560036, 2024-06: 5078808, 2024-09: 10686211, 2024-12: 11007635, 2025-03: 10286636, 2025-06: 10529446, 2025-09: 7343890,
Revenue CAGR: 2.44%
Revenue Trend: 49.1%
Last SUE: 0.01σ
Qual. Beats: 0
Risk via 10d forecast
Volatility 29.2%
Value at Risk 5%th 46.1%
Relative Tail Risk -4.05%
Reward TTM
Sharpe Ratio 2.68
Alpha 121.07
Character TTM
Hurst Exponent 0.494
Beta 0.656
Beta Downside 0.839
Drawdowns 3y
Max DD 27.91%
Mean DD 6.65%
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 16,043m
Sub-Industry Diversified Banks
IPO / Inception 1995-07-26
Return 12m vs S&P 500 105%
Analyst Rating 2.89 of 5

CIB Dividends

Metric Value
Dividend Yield 14.68%
Yield on Cost 5y 50.56%
Yield CAGR 5y 27.74%
Payout Consistency 86.8%
Payout Ratio 121.1%

CIB Growth Ratios

Metric Value
CAGR 3y 56.58%
CAGR/Max DD Calmar Ratio 2.03
CAGR/Mean DD Pain Ratio 8.51
Current Volume 300.8k
Average Volume 300.8k

Piotroski VR‑10 (Strict, 0-10) 3.0

Net Income (7336.37b TTM) > 0 and > 6% of Revenue (6% = 2350.06b TTM)
FCFTA 0.00 (>2.0%) and ΔFCFTA -0.22pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)
NWC/Revenue -586.7% (prev -761.6%; Δ 174.9pp) (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 (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 65.66% (prev 40.45%; Δ 25.21pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)
Asset Turnover 10.76% (prev 7.54%; Δ 3.22pp) >=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
(C) 0.02 = EBIT TTM 7390.95b / Avg Total Assets 364032.48b
(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) 61.51

1. Piotroski 3.0pt
2. FCF Yield 0.22%
3. FCF Margin 0.35%
4. Debt/Equity 0.71
5. Debt/Ebitda 0.34
6. ROIC - WACC (= -0.18)%
7. RoE 17.48%
8. Rev. Trend 49.08%
9. EPS Trend 74.62%

What is the price of CIB shares?

As of November 24, 2025, the stock is trading at USD 60.62 with a total of 300,837 shares traded.
Over the past week, the price has changed by -3.05%, over one month by +8.56%, over three months by +22.12% and over the past year by +128.34%.

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 49.4 -18.6%
Analysts Target Price 49.4 -18.6%
ValueRay Target Price 96.5 59.2%

CIB Fundamental Data Overview November 22, 2025

Market Cap COP = 60963.24b (16.04b USD * 3800.0154 USD.COP)
P/E Trailing = 7.5975
P/E Forward = 8.0064
P/S = 0.0006
P/B = 1.3443
P/EG = 1.65
Beta = 0.836
Revenue TTM = 39167.61b 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 = 62794.71b COP (60963.24b + Debt 29914.58b - CCE 28083.11b)
Interest Coverage Ratio = 0.54 (Ebit TTM 7390.95b / Interest Expense TTM 13681.81b)
FCF Yield = 0.22% (FCF TTM 136.12b / Enterprise Value 62794.71b)
FCF Margin = 0.35% (FCF TTM 136.12b / Revenue TTM 39167.61b)
Net Margin = 18.73% (Net Income TTM 7336.37b / Revenue TTM 39167.61b)
Gross Margin = 65.66% ((Revenue TTM 39167.61b - Cost of Revenue TTM 13448.38b) / Revenue TTM)
Gross Margin QoQ = 100.0% (prev 57.73%)
Tobins Q-Ratio = 0.17 (Enterprise Value 62794.71b / 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 = 20.52 (Net Debt 2793.43b / 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 = 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 = 8.28% (E(60963.24b)/V(90877.83b) * Re(8.43%) + D(29914.58b)/V(90877.83b) * Rd(11.08%) * (1-Tc(0.28)))
Discount Rate = 8.43% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 81.65 | Cagr: 99.24%
[DCF Debug] Terminal Value 68.73% ; FCFE base≈442.56b ; Y1≈290.56b ; Y5≈132.87b
Fair Price DCF = 21.6k (DCF Value 2446.65b / 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: 49.08 | Revenue CAGR: 2.44% | SUE: 0.01 | # QB: 0

Additional Sources for CIB Stock

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Fund Manager Positions: Dataroma | Stockcircle