GRUPO CIBEST SA-ADR (CIB) Fundamental Analysis & Valuation
NYSE:CIB • US05968L1026
Current stock price
68.99 USD
+0.16 (+0.23%)
At close:
69 USD
+0.01 (+0.01%)
Pre-Market:
This CIB fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.
1. CIB Profitability Analysis
1.1 Basic Checks
- Each year in the past 5 years CIB has been profitable.
- Each year in the past 5 years CIB had a positive operating cash flow.
1.2 Ratios
- With a Return On Assets value of 0.93%, CIB perfoms like the industry average, outperforming 49.47% of the companies in the same industry.
- Looking at the Return On Equity, with a value of 8.35%, CIB is in line with its industry, outperforming 40.53% of the companies in the same industry.
| Industry Rank | Sector 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
1.3 Margins
- CIB has a Profit Margin of 10.59%. This is amonst the worse of the industry: CIB underperforms 85.26% of its industry peers.
- In the last couple of years the Profit Margin of CIB has declined.
- CIB does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector 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
2. CIB Health Analysis
2.1 Basic Checks
- CIB has about the same amout of shares outstanding than it did 1 year ago.
- Compared to 5 years ago, CIB has about the same amount of shares outstanding.
- CIB has a better debt/assets ratio than last year.
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.
- With a Debt to FCF ratio value of 2.60, CIB perfoms like the industry average, outperforming 43.42% of the companies in the same industry.
- CIB has a Debt/Equity ratio of 0.53. This is a neutral value indicating CIB is somewhat dependend on debt financing.
- CIB's Debt to Equity ratio of 0.53 is on the low side compared to the rest of the industry. CIB is outperformed by 77.63% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.53 | ||
| Debt/FCF | 2.6 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. CIB Growth Analysis
3.1 Past
- The earnings per share for CIB have decreased strongly by -91.16% in the last year.
- CIB shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -35.69% yearly.
- CIB shows a decrease in Revenue. In the last year, the revenue decreased by -1.95%.
- CIB shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 8.17% yearly.
EPS 1Y (TTM)-91.16%
EPS 3Y-52.84%
EPS 5Y-35.69%
EPS Q2Q%20.23%
Revenue 1Y (TTM)-1.95%
Revenue growth 3Y2.98%
Revenue growth 5Y8.17%
Sales Q2Q%67.23%
3.2 Future
- CIB is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 91.78% yearly.
- Based on estimates for the next years, CIB will show a quite strong growth in Revenue. The Revenue will grow by 14.83% on average per year.
EPS Next Y901.62%
EPS Next 2Y396.69%
EPS Next 3Y178.26%
EPS Next 5Y91.78%
Revenue Next Year7.82%
Revenue Next 2Y27.97%
Revenue Next 3Y24.62%
Revenue Next 5Y14.83%
3.3 Evolution
- The EPS growth rate is accelerating: in the next years the growth will be better 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 accelerating.
4. CIB Valuation Analysis
4.1 Price/Earnings Ratio
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | N/A |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- CIB's earnings are expected to grow with 178.26% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y396.69%
EPS Next 3Y178.26%
5. CIB Dividend Analysis
5.1 Amount
- With a Yearly Dividend Yield of 7.82%, CIB is a good candidate for dividend investing.
- Compared to an average industry Dividend Yield of 2.78, CIB pays a better dividend. On top of this CIB pays more dividend than 99.47% of the companies listed in the same industry.
- Compared to an average S&P500 Dividend Yield of 1.89, CIB pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.82% |
5.2 History
- On average, the dividend of CIB grows each year by 26.91%, which is quite nice.
- CIB has paid a dividend for at least 10 years, which is 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
5.3 Sustainability
- CIB pays out 100.22% of its income as dividend. This is not a sustainable payout ratio.
- The dividend of CIB is growing, but earnings are growing more, so the dividend growth is sustainable.
DP100.22%
EPS Next 2Y396.69%
EPS Next 3Y178.26%
CIB Fundamentals: All Metrics, Ratios and Statistics
68.99
+0.16 (+0.23%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)11-14 2025-11-14/amc
Earnings (Next)N/A N/A
Inst Owners31.1%
Inst Owner Change1.62%
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap16.59B
Revenue(TTM)17.42T
Net Income(TTM)3.39T
Analysts51.11
Price TargetN/A
Short Float %1.85%
Short Ratio2.06
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.82% |
Yearly DividendN/A
Dividend Growth(5Y)26.91%
DP100.22%
Div Incr Years4
Div Non Decr Years4
Ex-DateN/A
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)0%
EPS NY rev (1m)-1.2%
EPS NY rev (3m)14.51%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.76%
Valuation
| Industry Rank | Sector 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
Graham NumberN/A
Profitability
| Industry Rank | Sector 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
ROICexgc growth 3YN/A
ROICexgc 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 Rank | Sector 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)-91.16%
EPS 3Y-52.84%
EPS 5Y-35.69%
EPS Q2Q%20.23%
EPS Next Y901.62%
EPS Next 2Y396.69%
EPS Next 3Y178.26%
EPS Next 5Y91.78%
Revenue 1Y (TTM)-1.95%
Revenue growth 3Y2.98%
Revenue growth 5Y8.17%
Sales Q2Q%67.23%
Revenue Next Year7.82%
Revenue Next 2Y27.97%
Revenue Next 3Y24.62%
Revenue Next 5Y14.83%
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year-59.62%
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%
GRUPO CIBEST SA-ADR / CIB Fundamental Analysis FAQ
What is the ChartMill fundamental rating of GRUPO CIBEST SA-ADR (CIB) stock?
ChartMill assigns a fundamental rating of 3 / 10 to CIB.
What is the valuation status for CIB stock?
ChartMill assigns a valuation rating of 1 / 10 to GRUPO CIBEST SA-ADR (CIB). This can be considered as Overvalued.
How profitable is GRUPO CIBEST SA-ADR (CIB) stock?
GRUPO CIBEST SA-ADR (CIB) has a profitability rating of 2 / 10.
How sustainable is the dividend of GRUPO CIBEST SA-ADR (CIB) stock?
The dividend rating of GRUPO CIBEST SA-ADR (CIB) is 7 / 10 and the dividend payout ratio is 100.22%.