CIB vs. RF: Grupo Cibest vs. Regions Financial Stock Comparison

Company Profile

Grupo Cibest (CIB) and Regions Financial (RF) both belong to the Banks industry, though CIB is classified under Diversified Banks while RF falls under Regional Banks.

Regions Financial (RF) 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 Regions Financial (RF) at 12.38% is closer to the peer norm — stronger capital efficiency for CIB.

Regions Financial (RF) at 31.29% keeps about the industry-typical share of revenue as profit, while Grupo Cibest (CIB) at 17.57% retains only a bottom-quartile share.

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

Profitability Metrics

Growth

Regions Financial (RF) at 6.25% 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.

Regions Financial (RF) at 19.17% is around its peer norm for EPS growth, while Grupo Cibest (CIB) at -38.49% falls below its industry range, a notably weak earnings reading.

Growth Metrics

Financial Strength

current ratio doesn’t apply on either side: Grupo Cibest (CIB) in Banks and Regions Financial (RF) 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 Regions Financial (RF) 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 Regions Financial (RF) reports a yield of 3.85%, ranking against industry peers normally.

Grupo Cibest (CIB) at 31.29% pays out a band-typical share of earnings, while Regions Financial (RF) at 43.27% distributes more than its industry norm — less retained, thinner cover.

Dividend Metrics

Valuation

Both Grupo Cibest (CIB) at 11.13 and Regions Financial (RF) at 11.10 land around their industries’ usual P/E ratio levels — neither is getting a clear earnings-multiple discount or premium versus peers.

P/S ratio is set aside for both Grupo Cibest (CIB) in Banks and Regions Financial (RF) 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 Regions Financial (RF) at 1.46 sits near its industry’s middle — CIB is the cheaper of the two against assets.

Valuation Metrics