CIB vs. FHN: Grupo Cibest vs. First Horizon Stock Comparison

Company Profile

Grupo Cibest (CIB) and First Horizon (FHN) both belong to the Banks industry, though CIB is classified under Diversified Banks while FHN falls under Regional Banks.

First Horizon (FHN) trades as ordinary local shares, while Grupo Cibest (CIB) trades as an ADR — compare with FX exposure, depositary-program fees, and dividend-withholding-tax differences in mind.

Price Performance

Cumulative Growth

Trailing Returns

Calendar-Year Returns

Performance Metrics

Risk Profile

Drawdown History

Return Distribution

Risk Metrics

Risk-Adjusted Performance

Risk-Return Positioning

Risk-Adjusted Metrics

Profitability

Grupo Cibest (CIB) at 19.22% sits in the top ROE quartile, while First Horizon (FHN) at 7.92% is in the bottom quartile, showing a clear gap in returns on equity.

Both Grupo Cibest (CIB) at 17.57% and First Horizon (FHN) at 23.43% let more of each sales dollar slip away before the bottom line than peers do, sitting in the lower net margin quartile of their industries.

Neither side reports a meaningful operating margin: for Grupo Cibest (CIB) in Banks and First Horizon (FHN) in Banks, funding costs are part of the core business, so net margin and ROE are the cleaner profitability reads.

Profitability Metrics

Growth

First Horizon (FHN) at 7.33% is around its peer norm for revenue growth, while Grupo Cibest (CIB) at 5.11% drops into the bottom quartile, signaling weaker demand or pricing momentum.

First Horizon (FHN) at 37.50% sits in the top EPS growth quartile, while Grupo Cibest (CIB) at -38.49% falls below its industry range — a large difference in per-share earnings trajectories.

Growth Metrics

Financial Strength

current ratio doesn’t apply on either side: Grupo Cibest (CIB) in Banks and First Horizon (FHN) in Banks both report balance sheets without a current/non-current split, so their short-term liquidity is better judged through regulatory and funding measures.

debt-to-equity ratio is set aside for both: Grupo Cibest (CIB) in Banks and First Horizon (FHN) in Banks run businesses where balance-sheet leverage is part of the model, so capital-adequacy and funding measures are the better gauges of balance-sheet risk.

Financial Strength Metrics

Dividends

Grupo Cibest (CIB) pays no dividend (yield 0.00%) — it may be reinvesting, using buybacks, or simply not returning cash through dividends. Meanwhile First Horizon (FHN) reports a yield of 2.85%, ranking against industry peers normally.

Grupo Cibest (CIB) at 31.29% pays out a band-typical share of earnings, while First Horizon (FHN) at 47.48% distributes more than its industry norm — less retained, thinner cover.

Dividend Metrics

Valuation

Grupo Cibest (CIB) at 11.13 is near its industry’s usual P/E ratio, while First Horizon (FHN) at 16.58 sits in the richer quartile — FHN needs stronger growth or earnings quality to justify the premium.

P/S ratio is set aside for both Grupo Cibest (CIB) in Banks and First Horizon (FHN) in Banks: without a conventional revenue line, pricing per dollar of sales isn’t meaningful, and book- or earnings-based multiples make the better comparison.

Grupo Cibest (CIB) at 0.00 trades below its peer P/B ratio range relative to book, while First Horizon (FHN) at 1.34 sits near its industry’s middle — CIB is the cheaper of the two against assets.

Valuation Metrics