GRUPO CIBEST SA-ADR (CIB) Stock Fundamental Analysis
USA • New York Stock Exchange • NYSE:CIB • US05968L1026
77.94 USD
-4.74 (-5.73%)
At close: Feb 4, 2026
77.94 USD
0 (0%)
After Hours: 2/4/2026, 8:09:48 PM
CIB gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 383 industry peers in the Banks industry. CIB may be in some trouble as it scores bad on both profitability and health. While showing a medium growth rate, CIB is valued expensive at the moment. CIB also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
- CIB had positive earnings in each of the past 5 years.
- In the past 5 years CIB always reported a positive cash flow from operatings.
1.2 Ratios
- CIB has a Return On Assets (0.93%) which is in line with its industry peers.
- CIB has a Return On Equity of 8.35%. This is comparable to the rest of the industry: CIB outperforms 44.65% of its industry peers.
| 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 worse Profit Margin (10.59%) than 83.55% of its industry peers.
- In the last couple of years the Profit Margin of CIB has declined.
- The Operating Margin and Gross Margin are not available for CIB so they could not be analyzed.
| 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. 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.
- 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 40.99% 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.
- Looking at the Debt to Equity ratio, with a value of 0.53, CIB is doing worse than 76.50% of the companies in the same industry.
| 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. Growth
3.1 Past
- CIB shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -91.16%.
- Measured over the past years, CIB shows a very negative growth in Earnings Per Share. The EPS has been decreasing by -35.69% on average per year.
- The Revenue has decreased by -1.95% in the past year.
- Measured over the past years, CIB shows a quite strong growth in Revenue. The Revenue has been growing by 8.17% on average per year.
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
- Based on estimates for the next years, CIB will show a very strong growth in Earnings Per Share. The EPS will grow by 92.24% on average per year.
- Based on estimates for the next years, CIB will show a quite strong growth in Revenue. The Revenue will grow by 14.87% on average per year.
EPS Next Y901.62%
EPS Next 2Y396.69%
EPS Next 3Y178.26%
EPS Next 5Y92.24%
Revenue Next Year7.82%
Revenue Next 2Y27.97%
Revenue Next 3Y24.62%
Revenue Next 5Y14.87%
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. Valuation
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
- A more expensive valuation may be justified as CIB's earnings are expected to grow with 178.26% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y396.69%
EPS Next 3Y178.26%
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 2.64. CIB pays more dividend than 99.48% of the companies in the same industry.
- CIB's Dividend Yield is rather good when compared to the S&P500 average which is at 1.82.
| 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 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
5.3 Sustainability
- 100.22% of the earnings are spent on dividend by CIB. 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%
77.94
-4.74 (-5.73%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)11-14 2025-11-14/amc
Earnings (Next)N/A N/A
Inst Owners31.17%
Inst Owner Change-1.4%
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap18.74B
Revenue(TTM)17.42T
Net Income(TTM)3.39T
Analysts51.11
Price TargetN/A
Short Float %1.85%
Short Ratio2.93
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)7.14%
EPS NY rev (3m)15.91%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)2.21%
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 5Y92.24%
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 5Y14.87%
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 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%.