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GRUPO CIBEST SA-ADR (CIB) Stock Fundamental Analysis

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

43.4  +1.97 (+4.76%)

After market: 43.4 0 (0%)

Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to CIB. CIB was compared to 396 industry peers in the Banks industry. Both the profitability and financial health of CIB have multiple concerns. 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

In the past 5 years CIB has always 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 (0.90%) which is in line with its industry peers.
CIB has a Return On Equity (7.70%) which is comparable to the rest of the industry.
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

Looking at the Profit Margin, with a value of 10.58%, CIB is doing worse than 83.33% of the companies in the same industry.
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

The number of shares outstanding for CIB remains at a similar level compared to 1 year ago.
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

A Debt/Equity ratio of 0.51 indicates that CIB is somewhat dependend on debt financing.
With a Debt to Equity ratio value of 0.51, CIB is not doing good in the industry: 79.04% of the companies in the same industry are doing better.
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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6

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%.
CIB shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -35.69% yearly.
The Revenue has been growing slightly by 1.95% in the past year.
The Revenue has been growing by 8.17% on average over the past years. This is quite good.
EPS 1Y (TTM)-91.16%
EPS 3Y-52.84%
EPS 5Y-35.69%
EPS Q2Q%268.47%
Revenue 1Y (TTM)1.95%
Revenue growth 3Y2.98%
Revenue growth 5Y8.17%
Sales Q2Q%10.35%

3.2 Future

The Earnings Per Share is expected to grow by 85.89% on average over the next years. This is a very strong growth
The Revenue is expected to grow by 12.82% 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 5Y12.82%

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
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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1

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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7

5. Dividend

5.1 Amount

CIB has a Yearly Dividend Yield of 7.60%, which is a nice return.
CIB's Dividend Yield is rather good when compared to the industry average which is at 3.46. CIB pays more dividend than 97.22% of the companies in the same industry.
CIB's Dividend Yield is rather good when compared to the S&P500 average which is at 2.38.
Industry RankSector Rank
Dividend Yield 7.6%

5.2 History

The dividend of CIB is nicely growing with an annual growth rate of 26.91%!
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
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

101.39% 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.
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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GRUPO CIBEST SA-ADR

NYSE:CIB (6/2/2025, 8:04:00 PM)

After market: 43.4 0 (0%)

43.4

+1.97 (+4.76%)

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 Owners31.46%
Inst Owner Change-1.17%
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap10.44B
Analysts72.73
Price TargetN/A
Short Float %1.06%
Short Ratio1.3
Dividend
Industry RankSector Rank
Dividend Yield 7.6%
Yearly DividendN/A
Dividend Growth(5Y)26.91%
DP101.39%
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)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)0%
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)-44.82%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)2.53%
Revenue NY rev (3m)-5.4%
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%268.47%
EPS Next Y901.62%
EPS Next 2Y396.69%
EPS Next 3Y178.26%
EPS Next 5Y85.89%
Revenue 1Y (TTM)1.95%
Revenue growth 3Y2.98%
Revenue growth 5Y8.17%
Sales Q2Q%10.35%
Revenue Next Year7.82%
Revenue Next 2Y27.97%
Revenue Next 3Y24.62%
Revenue Next 5Y12.82%
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%