CIB vs. UMBF: Grupo Cibest vs. UMB Financial Stock Comparison

Company Profile

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

UMB Financial (UMBF) 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 UMB Financial (UMBF) at 13.50% is closer to the peer norm — stronger capital efficiency for CIB.

UMB Financial (UMBF) at 35.61% keeps a top-quartile share of each sales dollar as profit, while Grupo Cibest (CIB) at 17.57% keeps a bottom-quartile share.

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

Profitability Metrics

Growth

UMB Financial (UMBF) at 65.66% delivers above-range revenue growth, while Grupo Cibest (CIB) at 5.11% falls into the bottom quartile — a wide split in revenue momentum.

Neither side shows strong earnings momentum: UMB Financial (UMBF) at 3.34% sits in the bottom EPS growth quartile, and Grupo Cibest (CIB) at -38.49% is weaker still, below its industry range.

Growth Metrics

Financial Strength

current ratio doesn’t apply on either side: Grupo Cibest (CIB) in Banks and UMB Financial (UMBF) 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 UMB Financial (UMBF) 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 UMB Financial (UMBF) reports a yield of 1.33%, ranking against industry peers normally.

Grupo Cibest (CIB) at 31.29% keeps its payout within the industry’s typical band; UMB Financial (UMBF) at 13.54% pays out less than peers usually do, retaining more of its earnings — a policy difference more than a quality gap.

Dividend Metrics

Valuation

UMB Financial (UMBF) at 10.12 sits in the cheaper P/E ratio quartile, while Grupo Cibest (CIB) at 11.13 is closer to its industry’s usual earnings multiple — a discount for UMBF, though growth and earnings durability still matter.

P/S ratio is set aside for both Grupo Cibest (CIB) in Banks and UMB Financial (UMBF) 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 UMB Financial (UMBF) at 1.34 sits near its industry’s middle — CIB is the cheaper of the two against assets.

Valuation Metrics