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Grupo Cibest (CIB) Stock Analysis

This is a peer-relative look at Grupo Cibest (CIB): its performance, risk, profitability, growth, financial strength, dividend, and valuation are each measured against its Banks peers, so every number reads in context rather than in isolation.

Company Profile

Grupo Cibest (CIB) trades as an ADR rather than ordinary local shares — read it with FX exposure, depositary-program fees, and dividend-withholding-tax differences in mind.

Company profile fields for Grupo Cibest (CIB)
Profile ItemCIB
NameGrupo Cibest S.A. ADR
Country/RegionColombia
GICS SectorFinancials
GICS Industry GroupBanks
GICS IndustryBanks
GICS Sub-IndustryDiversified Banks
Market Capitalization21.81 billion USD
CurrencyUSD
ExchangeNYSE
Listing DateJuly 26, 1995
Security TypeADR

Price Performance

Cumulative Growth

CIB
GSPC
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Grupo Cibest (CIB) vs. S&P 500 (GSPC): Growth of a $10,000 investment over the past five years. Adjusted for dividends and splits.

Trailing Returns

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Trailing total returns for Grupo Cibest (CIB) and S&P 500 (GSPC). Returns over one year are annualized.

Calendar-Year Returns

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Calendar-year total returns for Grupo Cibest (CIB) and S&P 500 (GSPC). Each bar is that year's total return, measured year-end to year-end.

Performance Metrics

Grupo Cibest (CIB) metric values compared with Banks industry-group medians
MetricCurrent stock: CIBIndustry group median
Total Return (1Y)56.37%30.28%
Total Return (3Y, Annualized)74.68%26.57%
Total Return (5Y, Annualized)38.32%9.43%

Risk Profile

Drawdown History

CIB
GSPC
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Grupo Cibest (CIB) vs. S&P 500 (GSPC): Drawdown from the running peak over the past five years. Each line shows the decline from its prior peak; 0% marks a new high.

Return Distribution

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Distribution of monthly total returns for Grupo Cibest (CIB) and S&P 500 (GSPC). Each bar is the share of months whose return fell in that 5% bucket.

Risk Metrics

Grupo Cibest (CIB) metric values compared with Banks industry-group medians
MetricCurrent stock: CIBIndustry group median
Volatility (1Y, Annualized)33.79%24.34%
Beta (5Y)0.610.72
Max Drawdown (5Y)-46.85%-43.36%

Risk-Adjusted Performance

Risk-Return Positioning

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Each dot is a stock plotted by 1-year volatility (risk) and 1-year return. CIB is highlighted; the dashed line is the Capital Allocation Line from the risk-free rate through the industry median — dots above it are stronger on a risk-adjusted basis.

Risk-Adjusted Metrics

Grupo Cibest (CIB) metric values compared with Banks industry-group medians
MetricCurrent stock: CIBIndustry group median
Sharpe Ratio (1Y)1.541.08
Sortino Ratio (1Y)2.511.61

Profitability

ROE (TTM)

Grupo Cibest (CIB) posts ROE of 19.22%, in the upper peer quartile. That suggests the company earns more from each dollar of shareholders’ equity than most industry peers, a useful capital-efficiency signal.

CIB

Banks industry group

19.22%

Group distribution
Max
19.84%
CIB
19.22%
Q3
13.67%
Median
11.49%
Q1
9.50%
Min
3.64%
Largest peers
CIB
19.22%
JPM
18.01%
RY
16.21%
HSBC
14.22%
WFC
12.91%
BAC
10.73%
MUFG
9.46%
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Where Grupo Cibest (CIB) stands on ROE within its Banks peer group — the box is the group’s distribution and the dots its largest members.

Net Margin (TTM)

Grupo Cibest (CIB) keeps 17.57% of revenue as net profit, in the lower peer quartile for net margin. More of each sales dollar is being absorbed by costs, financing, taxes, or other charges than at most peers.

CIB

Banks industry group

17.57%

Group distribution
Max
47.19%
Q3
35.25%
Median
31.21%
Q1
27.11%
CIB
17.57%
Min
14.93%
Largest peers
HSBC
41.16%
JPM
34.59%
RY
33.87%
BAC
28.06%
WFC
27.64%
MUFG
27.45%
CIB
17.57%
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Where Grupo Cibest (CIB) stands on net margin within its Banks peer group — the box is the group’s distribution and the dots its largest members.

Operating Margin (TTM)

operating margin is set aside for Grupo Cibest (CIB) in Banks: the operating-income line is not a clean boundary for this business model, so net margin, ROE, FFO, or industry-specific measures may be more useful.

Profitability Metrics

Grupo Cibest (CIB) metric values compared with Banks industry-group medians
MetricCurrent stock: CIBIndustry group median
ROE (TTM)19.22%11.49%
ROA (TTM)2.13%1.24%
Net Margin (TTM)17.57%31.21%
Operating Margin (TTM)----
Gross Margin (TTM)----

Growth

Revenue Growth

Grupo Cibest (CIB) grew revenue 5.11%, in the lower peer quartile. The top line is expanding more slowly than at most peers, which can reflect softer demand, lost share, or weaker pricing.

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Grupo Cibest (CIB): Revenue Growth across different time periods, set against Banks industry-group medians.

EPS Growth

Grupo Cibest (CIB) grew earnings per share -38.49%, below the industry benchmark range. Per-share profits are trailing virtually every peer, which can point to margin pressure, one-off charges, or dilution.

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Grupo Cibest (CIB): EPS Growth across different time periods, set against Banks industry-group medians.

Growth Metrics

Grupo Cibest (CIB) metric values compared with Banks industry-group medians
MetricCurrent stock: CIBIndustry group median
Revenue Growth (YoY)5.11%11.23%
Revenue Growth (3Y CAGR)4.37%6.33%
EPS Growth (YoY)-38.49%16.14%
EPS Growth (3Y CAGR)-17.17%3.15%

Financial Strength

Current Ratio (MRQ)

current ratio is set aside for Grupo Cibest (CIB) in Banks: these balance sheets are not best read through a current/non-current split, so regulatory, funding, or liquidity-coverage measures usually matter more.

Debt / Equity (MRQ)

debt-to-equity ratio is set aside for Grupo Cibest (CIB) in Banks: leverage is part of the business model itself, so capital adequacy, funding mix, and regulatory measures are usually better risk gauges.

Financial Strength Metrics

Grupo Cibest (CIB) metric values compared with Banks industry-group medians
MetricCurrent stock: CIBIndustry group median
Current Ratio (MRQ)----
Debt / Equity (MRQ)----
Net Debt / EBITDA----

Dividends

Dividend Yield (TTM)

Grupo Cibest (CIB) pays no dividend, leaving dividend yield at 0.00% this period. Shareholders may still receive value through reinvestment or buybacks, but there is no dividend income to compare here.

CIB

Banks industry group

0.00%

Group distribution
Max
5.79%
Q3
3.18%
Median
2.39%
Q1
1.20%
CIB
0.00%
Min
0.00%
Largest peers
MUFG
406.81%
RY
3.23%
BAC
2.33%
WFC
2.19%
JPM
1.82%
HSBC
0.86%
CIB
0.00%
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Where Grupo Cibest (CIB) stands on dividend yield within its Banks peer group — the box is the group’s distribution and the dots its largest members.

Dividend Payout Ratio (TTM)

Grupo Cibest (CIB) has payout ratio of 31.29%, within the industry’s typical payout band. The dividend shares profits with investors while leaving earnings coverage that looks normal for the peer group.

CIB

Banks industry group

31.29%

Group distribution
Max
70.75%
Q3
41.28%
CIB
31.29%
Median
29.26%
Q1
18.98%
Min
0.00%
Largest peers
HSBC
53.57%
RY
41.49%
MUFG
34.74%
CIB
31.29%
BAC
27.62%
WFC
26.09%
JPM
25.80%
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Where Grupo Cibest (CIB) stands on payout ratio within its Banks peer group — the box is the group’s distribution and the dots its largest members.

Dividend Metrics

Grupo Cibest (CIB) metric values compared with Banks industry-group medians
MetricCurrent stock: CIBIndustry group median
Dividend Yield (TTM)0.00%2.39%
Dividend Payout Ratio (TTM)31.29%29.26%

Valuation

P/E Ratio (TTM)

Grupo Cibest (CIB) trades at P/E ratio of 11.13, near the industry’s usual earnings multiple. The stock is not showing a clear peer discount or premium on trailing earnings.

CIB

Banks industry group

11.13

Group distribution
Max
18.16
Q3
13.75
Median
11.81
CIB
11.13
Q1
10.64
Min
6.49
Largest peers
RY
17.58
JPM
14.03
MUFG
13.71
WFC
11.84
BAC
11.79
HSBC
11.38
CIB
11.13
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Where Grupo Cibest (CIB) stands on P/E ratio within its Banks peer group — the box is the group’s distribution and the dots its largest members.

P/S Ratio (TTM)

P/S ratio is not assessed for Grupo Cibest (CIB) in Banks: the revenue line is driven by spread economics rather than conventional product or service sales, so book value or earnings usually carry more weight.

P/B Ratio (MRQ)

Grupo Cibest (CIB) trades at 0.00 on P/B ratio, below the industry benchmark range. The market is assigning unusually little value to the company’s book equity, which can be attractive only if asset quality and ROE hold up.

CIB

Banks industry group

0.00

Group distribution
Max
2.28
Q3
1.58
Median
1.32
Q1
1.10
Min
0.59
CIB
0.00
Largest peers
HSBC
6.87
RY
2.92
JPM
2.53
MUFG
1.64
WFC
1.59
BAC
1.26
CIB
0.00
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Where Grupo Cibest (CIB) stands on P/B ratio within its Banks peer group — the box is the group’s distribution and the dots its largest members.

Valuation Metrics

Grupo Cibest (CIB) metric values compared with Banks industry-group medians
MetricCurrent stock: CIBIndustry group median
P/E Ratio (TTM)11.1311.81
P/S Ratio (TTM)----
P/B Ratio (MRQ)0.001.32
Free Cash Flow Yield (TTM)----