(CIB) Grupo Cibest S.A. - Overview

Sector: Financial ServicesIndustry: Banks - Regional | Exchange NYSE (USA) | Currency USD | Market Cap: 18.964m | Total Return 95.8% in 12m

Stock: Banking, Loans, Investments, Insurance, Technology

Total Rating 56
Risk 62
Buy Signal -0.19
Banks - Regional -3.3
Diversified Banks -7.0
Market Cap: 18,964m
Avg Trading Vol: 33.6M USD
ATR: 3.69%
Peers RS (IBD): 86.1
Risk 5d forecast
Volatility 30.2%
Relative Tail Risk -4.64%
Reward TTM
Sharpe Ratio 2.04
Alpha 82.97
Character TTM
Beta 0.723
Beta Downside 1.637
Drawdowns 3y
Max DD 22.97%
CAGR/Max DD 2.68

EPS (Earnings per Share)

EPS (Earnings per Share) of CIB over the last years for every Quarter: "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": 2.25, "2025-12": 1.77,
EPS CAGR: -2.15%
EPS Trend: 38.8%
Last SUE: -0.95
Qual. Beats: 0

Revenue

Revenue of CIB over the last years for every Quarter: 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: 10690703, 2024-12: 11007635, 2025-03: 10286636, 2025-06: 10529446, 2025-09: 10657803, 2025-12: 11689172.573,
Rev. CAGR: 16.85%
Rev. Trend: 68.2%
Last SUE: 1.02
Qual. Beats: 1

Description: CIB Grupo Cibest S.A. March 05, 2026

Grupo Cibest S.A. (CIB) is a diversified financial services company based in Colombia. It offers a comprehensive range of banking products, including checking and savings accounts, various loan types, and investment products. Diversified banks typically serve both retail and corporate clients.

The company also provides brokerage, investment advisory, and private banking services, covering equities, fixed income, and mutual funds. Additionally, CIB offers cash management, foreign currency solutions, and insurance products. This broad service offering is characteristic of universal banking models.

CIBs corporate and investment banking arm handles project finance, loan syndication, and mergers and acquisitions advisory. It also manages mutual and pension funds, and provides technology services. Investors seeking a deeper understanding of CIBs financial health and market position might find ValueRays data useful.

Headlines to watch out for

  • Colombian interest rate changes impact loan profitability
  • Economic stability in Colombia drives loan demand
  • Regulatory changes in banking sector affect compliance costs
  • Global economic downturn reduces investment banking activity
  • Digital transformation investments improve operational efficiency

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 3.85 > 1.0
NWC/Revenue: 51.22% < 20% (prev -531.5%; Δ 582.7% < -1%)
CFO/TA 0.04 > 3% & CFO 16480.90b > Net Income 7256.58b
Net Debt (-3421.20b) to EBITDA (10697.67b): -0.32 < 3
Current Ratio: 33.73 > 1.5 & < 3
Outstanding Shares: last quarter (238.3m) vs 12m ago -0.90% < -2%
Gross Margin: 58.75% > 18% (prev 0.53%; Δ 5.82k% > 0.5%)
Asset Turnover: 11.49% > 50% (prev 11.62%; Δ -0.13% > 0%)
Interest Coverage Ratio: 0.60 > 6 (EBITDA TTM 10697.67b / Interest Expense TTM 13263.07b)

Altman Z'' 0.69

A: 0.06 (Total Current Assets 22781.31b - Total Current Liabilities 675.32b) / Total Assets 379347.26b
B: 0.02 (Retained Earnings 7188.98b / Total Assets 379347.26b)
C: 0.02 (EBIT TTM 7946.76b / Avg Total Assets 375781.32b)
D: 0.10 (Book Value of Equity 34859.91b / Total Liabilities 338395.36b)
Altman-Z'' Score: 0.69 = B

Beneish M

DSRI: none (Receivables none/28456.89b, Revenue 43163.06b/43233.73b)
GMI: 0.90 (GM 58.75% / 52.61%)
AQI: 1.13 (AQ_t 0.92 / AQ_t-1 0.81)
SGI: 1.00 (Revenue 43163.06b / 43233.73b)
TATA: -0.02 (NI 7256.58b - CFO 16480.90b) / TA 379347.26b)
Beneish M-Score: cannot calculate (missing components)

What is the price of CIB shares?

As of March 29, 2026, the stock is trading at USD 69.98 with a total of 305,118 shares traded.
Over the past week, the price has changed by +1.43%, over one month by +3.09%, over three months by +7.73% and over the past year by +95.75%.

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 62.2 -11.1%
Analysts Target Price 62.2 -11.1%

CIB Fundamental Data Overview March 27, 2026

P/E Trailing = 9.5484
P/E Forward = 8.5106
P/S = 2.206
P/B = 1.5563
P/EG = 0.4343
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 = 675.32b USD (from shortTermDebt, last quarter)
Debt = 19360.11b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -3421.20b USD (from netDebt column, last quarter)
Enterprise Value = -3402.23b USD (18.96b + Debt 19360.11b - CCE 22781.31b)
Interest Coverage Ratio = 0.60 (Ebit TTM 7946.76b / Interest Expense TTM 13263.07b)
EV/FCF = -0.24x (Enterprise Value -3402.23b / FCF TTM 14289.61b)
FCF Yield = -420.0% (FCF TTM 14289.61b / Enterprise Value -3402.23b)
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 = -0.01 (set to none) (Enterprise Value -3402.23b / Total Assets 379347.26b)
Interest Expense / Debt = 16.56% (Interest Expense 3206.69b / Debt 19360.11b)
Taxrate = 34.20% (681.48b / 1992.58b)
NOPAT = 5228.89b (EBIT 7946.76b * (1 - 34.20%))
Current Ratio = 33.73 (Total Current Assets 22781.31b / Total Current Liabilities 675.32b)
Debt / Equity = 0.49 (Debt 19360.11b / totalStockholderEquity, last quarter 39712.22b)
Debt / EBITDA = -0.32 (Net Debt -3421.20b / EBITDA 10697.67b)
Debt / FCF = -0.24 (Net Debt -3421.20b / FCF TTM 14289.61b)
Total Stockholder Equity = 41004.65b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.93% (Net Income 7256.58b / Total Assets 379347.26b)
RoE = 17.70% (Net Income TTM 7256.58b / Total Stockholder Equity 41004.65b)
RoCE = 12.40% (EBIT 7946.76b / Capital Employed (Equity 41004.65b + L.T.Debt 23095.24b))
RoIC = 8.17% (NOPAT 5228.89b / Invested Capital 63999.63b)
WACC = 10.90% (E(18.96b)/V(19379.07b) * Re(8.53%) + D(19360.11b)/V(19379.07b) * Rd(16.56%) * (1-Tc(0.34)))
Discount Rate = 8.53% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -81.65 | Cagr: -0.45%
[DCF] Terminal Value 63.20% ; FCFF base≈14289.61b ; Y1≈11143.69b ; Y5≈7189.87b
[DCF] Fair Price = 813k (EV 88476.39b - Net Debt -3421.20b = Equity 91897.59b / Shares 113.0m; r=10.90% [WACC]; 5y FCF grow -26.24% → 3.0% )
[DCF] Fair Price = 813k (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=1.95 | Chg7d=+0.000 | Chg30d=-0.108 | Revisions Net=-1 | Analysts=3
EPS current Year (2026-12-31): EPS=8.00 | Chg7d=+0.001 | Chg30d=+0.061 | Revisions Net=+1 | Growth EPS=-0.7% | Growth Revenue=+2.4%
EPS next Year (2027-12-31): EPS=8.65 | Chg7d=+0.000 | Chg30d=+0.538 | Revisions Net=+1 | Growth EPS=+8.1% | Growth Revenue=+8.1%
[Analyst] Revisions Ratio: -1.00 (0 Up / 1 Down within 30d for Next Quarter)
[Growth] Implied Growth Rate = -1.9% (Discount Rate 8.5% - Earnings Yield 10.5%)
[Growth] Growth Spread = +6.3% (Analyst 4.4% - Implied -1.9%)

Additional Sources for CIB Stock

Fund Manager Positions: Dataroma | Stockcircle