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GRUPO CIBEST SA-ADR (CIB) Stock Fundamental Analysis

NYSE:CIB - New York Stock Exchange, Inc. - US05968L1026 - ADR - Currency: USD

44.63  -0.02 (-0.04%)

Fundamental Rating

2

Taking everything into account, CIB scores 2 out of 10 in our fundamental rating. CIB was compared to 392 industry peers in the Banks industry. CIB has a bad profitability rating. Also its financial health evaluation is rather negative. CIB is quite expensive at the moment. It does show a decent growth rate.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

CIB had positive earnings in each of the past 5 years.
CIB had a positive operating cash flow in each of the past 5 years.
CIB Yearly Net Income VS EBIT VS OCF VS FCFCIB Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5T 10T 15T

1.2 Ratios

Looking at the Return On Assets, with a value of 0.93%, CIB is in line with its industry, outperforming 58.42% of the companies in the same industry.
The Return On Equity of CIB (8.35%) is comparable to the rest of the industry.
Industry RankSector Rank
ROA 0.93%
ROE 8.35%
ROIC N/A
ROA(3y)1.54%
ROA(5y)1.22%
ROE(3y)13.7%
ROE(5y)10.97%
ROIC(3y)N/A
ROIC(5y)N/A
CIB Yearly ROA, ROE, ROICCIB Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

1.3 Margins

The Profit Margin of CIB (10.59%) is worse than 82.91% of its industry peers.
CIB's Profit Margin has declined in the last couple of years.
CIB does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 10.59%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-20.47%
PM growth 5Y-9.61%
GM growth 3YN/A
GM growth 5YN/A
CIB Yearly Profit, Operating, Gross MarginsCIB Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20

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2

2. Health

2.1 Basic Checks

The number of shares outstanding for CIB remains at a similar level compared to 1 year ago.
Compared to 5 years ago, CIB has about the same amount of shares outstanding.
Compared to 1 year ago, CIB has an improved debt to assets ratio.
CIB Yearly Shares OutstandingCIB Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M
CIB Yearly Total Debt VS Total AssetsCIB Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100T 200T 300T

2.2 Solvency

CIB has a debt to FCF ratio of 2.60. This is a good value and a sign of high solvency as CIB would need 2.60 years to pay back of all of its debts.
CIB's Debt to FCF ratio of 2.60 is in line compared to the rest of the industry. CIB outperforms 40.56% of its industry peers.
A Debt/Equity ratio of 0.53 indicates that CIB is somewhat dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.53, CIB is doing worse than 79.08% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.53
Debt/FCF 2.6
Altman-Z N/A
ROIC/WACCN/A
WACCN/A
CIB Yearly LT Debt VS Equity VS FCFCIB Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10T 20T 30T 40T

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
CIB Yearly Current Assets VS Current LiabilitesCIB Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5T 10T 15T

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4

3. Growth

3.1 Past

CIB shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -5.44%.
Measured over the past years, CIB shows a quite strong growth in Earnings Per Share. The EPS has been growing by 15.19% on average per year.
The Revenue has been growing slightly by 1.90% in the past year.
Measured over the past years, CIB shows a quite strong growth in Revenue. The Revenue has been growing by 12.25% on average per year.
EPS 1Y (TTM)-5.44%
EPS 3Y15.66%
EPS 5Y15.19%
EPS Q2Q%96.93%
Revenue 1Y (TTM)1.9%
Revenue growth 3Y17.7%
Revenue growth 5Y12.25%
Sales Q2Q%10.35%

3.2 Future

The Earnings Per Share is expected to grow by 4.64% on average over the next years.
CIB is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 5.40% yearly.
EPS Next Y3.11%
EPS Next 2Y4.64%
EPS Next 3Y4.64%
EPS Next 5YN/A
Revenue Next Year2.41%
Revenue Next 2Y4.13%
Revenue Next 3Y5.4%
Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
CIB Yearly Revenue VS EstimatesCIB Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 10T 20T 30T
CIB Yearly EPS VS EstimatesCIB Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 5K 10K 15K

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0

4. Valuation

4.1 Price/Earnings Ratio

Industry RankSector Rank
PE N/A
Fwd PE N/A
CIB Price Earnings VS Forward Price EarningsCIB Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
CIB Per share dataCIB EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y4.64%
EPS Next 3Y4.64%

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6

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 7.82%, CIB is a good candidate for dividend investing.
CIB's Dividend Yield is rather good when compared to the industry average which is at 3.51. CIB pays more dividend than 97.96% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.40, CIB pays a better dividend.
Industry RankSector Rank
Dividend Yield 7.82%

5.2 History

The dividend of CIB is nicely growing with an annual growth rate of 26.91%!
CIB has been paying a dividend for at least 10 years, so it has a reliable track record.
CIB has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)26.91%
Div Incr Years4
Div Non Decr Years4
CIB Yearly Dividends per shareCIB Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1 2 3 4

5.3 Sustainability

CIB pays out 100.22% of its income as dividend. This is not a sustainable payout ratio.
CIB's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP100.22%
EPS Next 2Y4.64%
EPS Next 3Y4.64%
CIB Yearly Income VS Free CF VS DividendCIB Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5T 10T 15T
CIB Dividend Payout.CIB Dividend Payout, showing the Payout Ratio.CIB Dividend Payout.PayoutRetained Earnings

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GRUPO CIBEST SA-ADR

NYSE:CIB (8/5/2025, 12:56:43 PM)

44.63

-0.02 (-0.04%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)05-05 2025-05-05/amc
Earnings (Next)08-06 2025-08-06
Inst Owners30.19%
Inst Owner Change-0.77%
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap10.73B
Analysts72
Price TargetN/A
Short Float %0.88%
Short Ratio2.91
Dividend
Industry RankSector Rank
Dividend Yield 7.82%
Yearly DividendN/A
Dividend Growth(5Y)26.91%
DP100.22%
Div Incr Years4
Div Non Decr Years4
Ex-Date04-28 2025-04-28 (0.350808)
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)6.2%
Min EPS beat(2)3.63%
Max EPS beat(2)8.78%
EPS beat(4)4
Avg EPS beat(4)21.79%
Min EPS beat(4)2.88%
Max EPS beat(4)71.86%
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)1
Avg Revenue beat(2)-7.3%
Min Revenue beat(2)-32.41%
Max Revenue beat(2)17.81%
Revenue beat(4)1
Avg Revenue beat(4)-12.41%
Min Revenue beat(4)-32.41%
Max Revenue beat(4)17.81%
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)6.28%
Revenue NY rev (3m)8.97%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE N/A
P/S N/A
P/FCF N/A
P/OCF N/A
P/B N/A
P/tB N/A
EV/EBITDA N/A
EPS(TTM)N/A
EYN/A
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpSN/A
BVpSN/A
TBVpSN/A
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.93%
ROE 8.35%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 10.59%
GM N/A
FCFM 31.81%
ROA(3y)1.54%
ROA(5y)1.22%
ROE(3y)13.7%
ROE(5y)10.97%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-20.47%
PM growth 5Y-9.61%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.09
Health
Industry RankSector Rank
Debt/Equity 0.53
Debt/FCF 2.6
Debt/EBITDA N/A
Cap/Depr 206.5%
Cap/Sales 6.48%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 300.35%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)265.8%
Cap/Depr(5y)252.16%
Cap/Sales(3y)8.98%
Cap/Sales(5y)9.4%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-5.44%
EPS 3Y15.66%
EPS 5Y15.19%
EPS Q2Q%96.93%
EPS Next Y3.11%
EPS Next 2Y4.64%
EPS Next 3Y4.64%
EPS Next 5YN/A
Revenue 1Y (TTM)1.9%
Revenue growth 3Y17.7%
Revenue growth 5Y12.25%
Sales Q2Q%10.35%
Revenue Next Year2.41%
Revenue Next 2Y4.13%
Revenue Next 3Y5.4%
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year-59.88%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y455.61%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y114.39%
OCF growth 3Y-58.49%
OCF growth 5Y-48.74%