CIB vs. JPM: Grupo Cibest vs. JPMorgan Chase Stock Comparison
How do Grupo Cibest (CIB) and JPMorgan Chase (JPM) stack up? This page sets them side by side across company profile, performance and risk, profitability, growth, financial strength, dividends, and valuation, with selected fundamentals also measured against each stock's industry-group peers.
Company Profile
Grupo Cibest (CIB) and JPMorgan Chase (JPM) are both classified in the Diversified Banks sub-industry within the broader Banks industry, placing them in the closest GICS peer bucket.
JPMorgan Chase (JPM) 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.
| Profile Item | CIB | JPM |
|---|---|---|
| Name | Grupo Cibest S.A. ADR | JPMorgan Chase & Co. |
| Country/Region | Colombia | United States |
| GICS Sector | Financials | Financials |
| GICS Industry Group | Banks | Banks |
| GICS Industry | Banks | Banks |
| GICS Sub-Industry | Diversified Banks | Diversified Banks |
| Market Capitalization | 21.81 billion USD | 888.27 billion USD |
| Currency | USD | USD |
| Exchange | NYSE | NYSE |
| Listing Date | July 26, 1995 | March 17, 1980 |
| Security Type | ADR | Common Stock |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | CIB | JPM |
|---|---|---|
| Total Return (1Y) | 56.37% | 11.23% |
| Total Return (3Y, Annualized) | 74.68% | 36.31% |
| Total Return (5Y, Annualized) | 38.32% | 18.27% |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
| Metric | CIB | JPM |
|---|---|---|
| Volatility (1Y, Annualized) | 33.79% | 23.08% |
| Beta (5Y) | 0.61 | 1.02 |
| Max Drawdown (5Y) | -46.85% | -37.93% |
| Avg. Volume (3M) | 297.24K | 7.03M |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | CIB | JPM |
|---|---|---|
| Sharpe Ratio (1Y) | 1.54 | 0.30 |
| Sortino Ratio (1Y) | 2.51 | 0.42 |
Profitability
ROE (TTM)
Both Grupo Cibest (CIB) at 19.22% and JPMorgan Chase (JPM) at 18.01% sit in the top peer quartile for ROE, suggesting each generates more profit from shareholders’ equity than typical industry peers.
CIB
Banks industry group
19.22%
- Max
- 19.84%
- CIB
- 19.22%
- Q3
- 13.67%
- Median
- 11.49%
- Q1
- 9.50%
- Min
- 3.64%
JPM
Banks industry group
18.01%
- Max
- 19.84%
- JPM
- 18.01%
- Q3
- 13.67%
- Median
- 11.49%
- Q1
- 9.50%
- Min
- 3.64%
Net Margin (TTM)
JPMorgan Chase (JPM) at 34.59% keeps about the industry-typical share of revenue as profit, while Grupo Cibest (CIB) at 17.57% retains only a bottom-quartile share.
CIB
Banks industry group
17.57%
- Max
- 47.19%
- Q3
- 35.25%
- Median
- 31.21%
- Q1
- 27.11%
- CIB
- 17.57%
- Min
- 14.93%
JPM
Banks industry group
34.59%
- Max
- 47.19%
- Q3
- 35.25%
- JPM
- 34.59%
- Median
- 31.21%
- Q1
- 27.11%
- Min
- 14.93%
Operating Margin (TTM)
Neither side reports a meaningful operating margin: for Grupo Cibest (CIB) in Banks and JPMorgan Chase (JPM) in Banks, funding costs are part of the core business, so net margin and ROE are the cleaner profitability reads.
Profitability Metrics
| Metric | CIB | JPM |
|---|---|---|
| ROE (TTM) | 19.22% | 18.01% |
| ROA (TTM) | 2.13% | 1.37% |
| Net Margin (TTM) | 17.57% | 34.59% |
| Operating Margin (TTM) | -- | -- |
| Gross Margin (TTM) | -- | -- |
Growth
Revenue Growth
JPMorgan Chase (JPM) at 7.32% 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.
EPS Growth
Neither side shows strong earnings momentum: JPMorgan Chase (JPM) at 1.37% sits in the bottom EPS growth quartile, and Grupo Cibest (CIB) at -38.49% is weaker still, below its industry range.
Growth Metrics
| Metric | CIB | JPM |
|---|---|---|
| Revenue Growth (YoY) | 5.11% | 7.32% |
| Revenue Growth (3Y CAGR) | 4.37% | 12.50% |
| EPS Growth (YoY) | -38.49% | 1.37% |
| EPS Growth (3Y CAGR) | -17.17% | 18.31% |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: Grupo Cibest (CIB) in Banks and JPMorgan Chase (JPM) 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 / Equity (MRQ)
debt-to-equity ratio is set aside for both: Grupo Cibest (CIB) in Banks and JPMorgan Chase (JPM) 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
| Metric | CIB | JPM |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Debt / Equity (MRQ) | -- | -- |
| Net Debt / EBITDA | -- | -- |
Dividends
Dividend Yield (TTM)
Grupo Cibest (CIB) pays no dividend (yield 0.00%) — it may be reinvesting, using buybacks, or simply not returning cash through dividends. Meanwhile JPMorgan Chase (JPM) reports a yield of 1.82%, ranking against industry peers normally.
CIB
Banks industry group
0.00%
- Max
- 5.79%
- Q3
- 3.18%
- Median
- 2.39%
- Q1
- 1.20%
- CIB
- 0.00%
- Min
- 0.00%
JPM
Banks industry group
1.82%
- Max
- 5.79%
- Q3
- 3.18%
- Median
- 2.39%
- JPM
- 1.82%
- Q1
- 1.20%
- Min
- 0.00%
Dividend Payout Ratio (TTM)
Both Grupo Cibest (CIB) at 31.29% and JPMorgan Chase (JPM) at 25.80% keep payout ratio within their industries’ typical mid-ranges — dividend policies that share earnings without consuming too much of them.
CIB
Banks industry group
31.29%
- Max
- 70.75%
- Q3
- 41.28%
- CIB
- 31.29%
- Median
- 29.26%
- Q1
- 18.98%
- Min
- 0.00%
JPM
Banks industry group
25.80%
- Max
- 70.75%
- Q3
- 41.28%
- Median
- 29.26%
- JPM
- 25.80%
- Q1
- 18.98%
- Min
- 0.00%
Dividend Metrics
| Metric | CIB | JPM |
|---|---|---|
| Dividend Yield (TTM) | 0.00% | 1.82% |
| Dividend Payout Ratio (TTM) | 31.29% | 25.80% |
Valuation
P/E Ratio (TTM)
Grupo Cibest (CIB) at 11.13 is near its industry’s usual P/E ratio, while JPMorgan Chase (JPM) at 14.03 sits in the richer quartile — JPM needs stronger growth or earnings quality to justify the premium.
CIB
Banks industry group
11.13
- Max
- 18.16
- Q3
- 13.75
- Median
- 11.81
- CIB
- 11.13
- Q1
- 10.64
- Min
- 6.49
JPM
Banks industry group
14.03
- Max
- 18.16
- JPM
- 14.03
- Q3
- 13.75
- Median
- 11.81
- Q1
- 10.64
- Min
- 6.49
P/S Ratio (TTM)
P/S ratio is set aside for both Grupo Cibest (CIB) in Banks and JPMorgan Chase (JPM) 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.
P/B Ratio (MRQ)
Grupo Cibest (CIB) at 0.00 prices below its industry’s P/B ratio range while JPMorgan Chase (JPM) at 2.53 prices above it — an unusually wide split in valuation relative to book.
CIB
Banks industry group
0.00
- Max
- 2.28
- Q3
- 1.58
- Median
- 1.32
- Q1
- 1.10
- Min
- 0.59
- CIB
- 0.00
JPM
Banks industry group
2.53
- JPM
- 2.53
- Max
- 2.28
- Q3
- 1.58
- Median
- 1.32
- Q1
- 1.10
- Min
- 0.59
Valuation Metrics
| Metric | CIB | JPM |
|---|---|---|
| P/E Ratio (TTM) | 11.13 | 14.03 |
| P/S Ratio (TTM) | -- | -- |
| P/B Ratio (MRQ) | 0.00 | 2.53 |
| Free Cash Flow Yield (TTM) | -- | -- |