CIB vs. WFC: Grupo Cibest vs. Wells Fargo Stock Comparison
How do Grupo Cibest (CIB) and Wells Fargo (WFC) 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 Wells Fargo (WFC) are both classified in the Diversified Banks sub-industry within the broader Banks industry, placing them in the closest GICS peer bucket.
Wells Fargo (WFC) 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 | WFC |
|---|---|---|
| Name | Grupo Cibest S.A. ADR | Wells Fargo & Company |
| 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 | 251.98 billion USD |
| Currency | USD | USD |
| Exchange | NYSE | NYSE |
| Listing Date | July 26, 1995 | June 1, 1972 |
| Security Type | ADR | Common Stock |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | CIB | WFC |
|---|---|---|
| Total Return (1Y) | 56.37% | 2.40% |
| Total Return (3Y, Annualized) | 74.68% | 31.75% |
| Total Return (5Y, Annualized) | 38.32% | 14.35% |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
Wells Fargo (WFC) is heavily traded at around 14.10M 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.
| Metric | CIB | WFC |
|---|---|---|
| Volatility (1Y, Annualized) | 33.79% | 26.11% |
| Beta (5Y) | 0.61 | 0.91 |
| Max Drawdown (5Y) | -46.85% | -37.10% |
| Avg. Volume (3M) | 297.24K | 14.10M |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | CIB | WFC |
|---|---|---|
| Sharpe Ratio (1Y) | 1.54 | -0.07 |
| Sortino Ratio (1Y) | 2.51 | -0.10 |
Profitability
ROE (TTM)
Grupo Cibest (CIB) at 19.22% sits in the top ROE quartile, while Wells Fargo (WFC) at 12.91% is closer to the peer norm — stronger capital efficiency for CIB.
CIB
Banks industry group
19.22%
- Max
- 19.84%
- CIB
- 19.22%
- Q3
- 13.67%
- Median
- 11.49%
- Q1
- 9.50%
- Min
- 3.64%
WFC
Banks industry group
12.91%
- Max
- 19.84%
- Q3
- 13.67%
- WFC
- 12.91%
- Median
- 11.49%
- Q1
- 9.50%
- Min
- 3.64%
Net Margin (TTM)
Wells Fargo (WFC) at 27.64% 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%
WFC
Banks industry group
27.64%
- Max
- 47.19%
- Q3
- 35.25%
- Median
- 31.21%
- WFC
- 27.64%
- Q1
- 27.11%
- Min
- 14.93%
Operating Margin (TTM)
Neither side reports a meaningful operating margin: for Grupo Cibest (CIB) in Banks and Wells Fargo (WFC) in Banks, funding costs are part of the core business, so net margin and ROE are the cleaner profitability reads.
Profitability Metrics
| Metric | CIB | WFC |
|---|---|---|
| ROE (TTM) | 19.22% | 12.91% |
| ROA (TTM) | 2.13% | 1.08% |
| Net Margin (TTM) | 17.57% | 27.64% |
| Operating Margin (TTM) | -- | -- |
| Gross Margin (TTM) | -- | -- |
Growth
Revenue Growth
Both Grupo Cibest (CIB) at 5.11% and Wells Fargo (WFC) at 1.70% post bottom-quartile revenue growth versus peers, pointing to weaker demand or pricing momentum than typical rivals.
EPS Growth
Wells Fargo (WFC) at 16.57% 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
| Metric | CIB | WFC |
|---|---|---|
| Revenue Growth (YoY) | 5.11% | 1.70% |
| Revenue Growth (3Y CAGR) | 4.37% | 4.02% |
| EPS Growth (YoY) | -38.49% | 16.57% |
| EPS Growth (3Y CAGR) | -17.17% | 25.86% |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: Grupo Cibest (CIB) in Banks and Wells Fargo (WFC) 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 Wells Fargo (WFC) 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 | WFC |
|---|---|---|
| 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 Wells Fargo (WFC) reports a yield of 2.19%, 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%
WFC
Banks industry group
2.19%
- Max
- 5.79%
- Q3
- 3.18%
- Median
- 2.39%
- WFC
- 2.19%
- Q1
- 1.20%
- Min
- 0.00%
Dividend Payout Ratio (TTM)
Both Grupo Cibest (CIB) at 31.29% and Wells Fargo (WFC) at 26.09% 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%
WFC
Banks industry group
26.09%
- Max
- 70.75%
- Q3
- 41.28%
- Median
- 29.26%
- WFC
- 26.09%
- Q1
- 18.98%
- Min
- 0.00%
Dividend Metrics
| Metric | CIB | WFC |
|---|---|---|
| Dividend Yield (TTM) | 0.00% | 2.19% |
| Dividend Payout Ratio (TTM) | 31.29% | 26.09% |
Valuation
P/E Ratio (TTM)
Both Grupo Cibest (CIB) at 11.13 and Wells Fargo (WFC) at 11.84 land around their industries’ usual P/E ratio levels — neither is getting a clear earnings-multiple discount or premium versus peers.
CIB
Banks industry group
11.13
- Max
- 18.16
- Q3
- 13.75
- Median
- 11.81
- CIB
- 11.13
- Q1
- 10.64
- Min
- 6.49
WFC
Banks industry group
11.84
- Max
- 18.16
- Q3
- 13.75
- WFC
- 11.84
- 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 Wells Fargo (WFC) 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 is valued below its industry’s P/B ratio range against book, whereas Wells Fargo (WFC) at 1.59 carries an above-typical premium — a wide price-to-book gap between them.
CIB
Banks industry group
0.00
- Max
- 2.28
- Q3
- 1.58
- Median
- 1.32
- Q1
- 1.10
- Min
- 0.59
- CIB
- 0.00
WFC
Banks industry group
1.59
- Max
- 2.28
- WFC
- 1.59
- Q3
- 1.58
- Median
- 1.32
- Q1
- 1.10
- Min
- 0.59
Valuation Metrics
| Metric | CIB | WFC |
|---|---|---|
| P/E Ratio (TTM) | 11.13 | 11.84 |
| P/S Ratio (TTM) | -- | -- |
| P/B Ratio (MRQ) | 0.00 | 1.59 |
| Free Cash Flow Yield (TTM) | -- | -- |