CIB vs. SAN: Grupo Cibest vs. Banco Santander Stock Comparison

Company Profile

Grupo Cibest (CIB) and Banco Santander (SAN) are both classified in the Diversified Banks sub-industry within the broader Banks industry, placing them in the closest GICS peer bucket.

Both Grupo Cibest (CIB) and Banco Santander (SAN) trade as ADRs — their core financials are comparable, but keep FX, depositary-program fees, and dividend withholding in view for each.

Price Performance

Cumulative Growth

Trailing Returns

Calendar-Year Returns

Performance Metrics

Risk Profile

Drawdown History

Return Distribution

Risk Metrics

Banco Santander (SAN) is heavily traded at around 11.52M shares per day, whereas Grupo Cibest (CIB) sees a more moderate 297.24K — larger orders in the latter may require more patience and tighter control over order sizing.

Risk-Adjusted Performance

Risk-Return Positioning

Risk-Adjusted Metrics

Profitability

Grupo Cibest (CIB) at 19.22% sits in the top ROE quartile, while Banco Santander (SAN) at 13.06% is closer to the peer norm — stronger capital efficiency for CIB.

Banco Santander (SAN) at 32.58% 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 Banco Santander (SAN) in Banks, funding costs are part of the core business, so net margin and ROE are the cleaner profitability reads.

Profitability Metrics

Growth

Both Grupo Cibest (CIB) at 5.11% and Banco Santander (SAN) at -0.47% post bottom-quartile revenue growth versus peers, pointing to weaker demand or pricing momentum than typical rivals.

Banco Santander (SAN) at 17.19% 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 Banco Santander (SAN) 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 Banco Santander (SAN) 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 Banco Santander (SAN) reports a yield of 2.10%, ranking against industry peers normally.

Both Grupo Cibest (CIB) at 31.29% and Banco Santander (SAN) at 25.91% keep payout ratio within their industries’ typical mid-ranges — dividend policies that share earnings without consuming too much of them.

Dividend Metrics

Valuation

Both Grupo Cibest (CIB) at 11.13 and Banco Santander (SAN) at 11.08 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 Banco Santander (SAN) 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 Banco Santander (SAN) at 1.33 sits near its industry’s middle — CIB is the cheaper of the two against assets.

Valuation Metrics