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BANCOLOMBIA S.A.-SPONS ADR (CIB) Stock Fundamental Analysis

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

40.99  +0.49 (+1.21%)

After market: 39.0101 -1.98 (-4.83%)

Fundamental Rating

3

CIB gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 398 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.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

Each year in the past 5 years CIB has been profitable.
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

CIB has a Return On Assets of 0.90%. This is comparable to the rest of the industry: CIB outperforms 59.55% of its industry peers.
CIB has a Return On Equity of 7.70%. This is comparable to the rest of the industry: CIB outperforms 45.48% of its industry peers.
Industry RankSector Rank
ROA 0.9%
ROE 7.7%
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 (10.58%) 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) 10.58%
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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1

2. Health

2.1 Basic Checks

Compared to 1 year ago, CIB has about the same amount of shares outstanding.
The number of shares outstanding for CIB remains at a similar level compared to 5 years ago.
The debt/assets ratio for CIB has been reduced compared to a year ago.
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/Equity ratio of 0.51. This is a neutral value indicating CIB is somewhat dependend on debt financing.
CIB has a worse Debt to Equity ratio (0.51) than 77.89% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.51
Debt/FCF N/A
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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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.
Looking at the last year, CIB shows a decrease in Revenue. The Revenue has decreased by -0.84% in the last 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%14.88%
Revenue 1Y (TTM)-0.84%
Revenue growth 3Y2.98%
Revenue growth 5Y8.17%
Sales Q2Q%-4.06%

3.2 Future

CIB is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 85.89% yearly.
The Revenue is expected to grow by 12.26% on average over the next years. This is quite good.
EPS Next Y901.62%
EPS Next 2Y396.69%
EPS Next 3Y178.26%
EPS Next 5Y85.89%
Revenue Next Year7.82%
Revenue Next 2Y27.97%
Revenue Next 3Y24.62%
Revenue Next 5Y12.26%

3.3 Evolution

The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
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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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

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%

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 7.78%, CIB is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 3.50, CIB pays a better dividend. On top of this CIB pays more dividend than 97.99% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.44, CIB pays a better dividend.
Industry RankSector Rank
Dividend Yield 7.78%

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.
The dividend of CIB decreased in the last 3 years.
Dividend Growth(5Y)26.91%
Div Incr Years2
Div Non Decr Years2
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 101.39% of its income as dividend. This is not a sustainable payout ratio.
CIB's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP101.39%
EPS Next 2Y396.69%
EPS Next 3Y178.26%
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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BANCOLOMBIA S.A.-SPONS ADR

NYSE:CIB (5/2/2025, 8:04:00 PM)

After market: 39.0101 -1.98 (-4.83%)

40.99

+0.49 (+1.21%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-19 2025-02-19/amc
Earnings (Next)05-05 2025-05-05
Inst Owners31.46%
Inst Owner Change-0.4%
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap9.86B
Analysts72.73
Price TargetN/A
Short Float %0.58%
Short Ratio0.68
Dividend
Industry RankSector Rank
Dividend Yield 7.78%
Yearly DividendN/A
Dividend Growth(5Y)26.91%
DP101.39%
Div Incr Years2
Div Non Decr Years2
Ex-Date04-28 2025-04-28 (0.574452)
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)5.83%
Min EPS beat(2)2.88%
Max EPS beat(2)8.78%
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
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)0
Avg Revenue beat(2)-30.08%
Min Revenue beat(2)-32.41%
Max Revenue beat(2)-27.75%
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
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)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)-47.47%
EPS NY rev (3m)-43.09%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-7.74%
Revenue NY rev (3m)-9.71%
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 0.9%
ROE 7.7%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 10.58%
GM N/A
FCFM 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
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-Score4
Asset Turnover0.09
Health
Industry RankSector Rank
Debt/Equity 0.51
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 201.9%
Cap/Sales 6.45%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score4
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%14.88%
EPS Next Y901.62%
EPS Next 2Y396.69%
EPS Next 3Y178.26%
EPS Next 5Y85.89%
Revenue 1Y (TTM)-0.84%
Revenue growth 3Y2.98%
Revenue growth 5Y8.17%
Sales Q2Q%-4.06%
Revenue Next Year7.82%
Revenue Next 2Y27.97%
Revenue Next 3Y24.62%
Revenue Next 5Y12.26%
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 1Y-109.59%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-97.72%
OCF growth 3Y-58.49%
OCF growth 5Y-48.74%