CIB vs. SMFG: Grupo Cibest vs. Sumitomo Mitsui Financial Stock Comparison

Company Profile

Grupo Cibest (CIB) and Sumitomo Mitsui Financial (SMFG) 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 Sumitomo Mitsui Financial (SMFG) 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

Risk-Adjusted Performance

Risk-Return Positioning

Risk-Adjusted Metrics

Profitability

Grupo Cibest (CIB) at 19.22% sits in the top ROE quartile, while Sumitomo Mitsui Financial (SMFG) at 8.57% is in the bottom quartile, showing a clear gap in returns on equity.

Sumitomo Mitsui Financial (SMFG) at 27.82% 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 Sumitomo Mitsui Financial (SMFG) in Banks, funding costs are part of the core business, so net margin and ROE are the cleaner profitability reads.

Profitability Metrics

Growth

Sumitomo Mitsui Financial (SMFG) at 14.32% 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.

Sumitomo Mitsui Financial (SMFG) at 36.62% 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 Sumitomo Mitsui Financial (SMFG) 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 Sumitomo Mitsui Financial (SMFG) 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 Sumitomo Mitsui Financial (SMFG) reports a yield of 334.33%, ranking against industry peers normally.

Both Grupo Cibest (CIB) at 31.29% and Sumitomo Mitsui Financial (SMFG) at 33.62% 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 Sumitomo Mitsui Financial (SMFG) at 13.47 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 Sumitomo Mitsui Financial (SMFG) 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 Sumitomo Mitsui Financial (SMFG) at 1.45 sits near its industry’s middle — CIB is the cheaper of the two against assets.

Valuation Metrics