Grupo Cibest S.A. (CIB) Fair Value & Analysis
Financial Services · US · Market cap $19.0B · ISIN US40090E1064
What is Grupo Cibest S.A. really worth?
Grupo Cibest S.A.
CIB · US
A solid business, trading 39% below our fair value of $167.03.
Strengths
Risks
For context
Fair value as of: Aug 27, 2026
From 4 valuation models · updated 8 days ago
Fair value updated Aug 27, 2026, revised from $165.04 to $167.03 (+1.2%) since Aug 13, 2026. Share price +13.2% over the past month.
What runs behind every stock
69 individual criteria per stock, every one traceable See the method →
What matters now
- The price is below even our cautious bear case ($125.27). The market is more pessimistic than our downside scenario.
- Solid quality (63/100) at a price below fair value, the discount is the argument here, not the business quality.
- For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Aug 27, 2026.
How to read this chart
60‑month range $13.83 – $103.26 · fair‑value band $125.27 – $208.78 · the $101.87 price screens below the $167.03 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Aug 27, 2026.
Analysis
Grupo Cibest S.A. (CIB) currently trades at $101.87, while our model-based Fair Value estimate is $167.03, implying the stock looks roughly 39.0% undervalued today. The Quality Score stands at 63/100 (solid quality), in the Financial Services sector. How firm this estimate is: it rests on 26 models at a data quality of 94/100, which puts the evidence level at medium.
Over the trailing twelve months, Grupo Cibest S.A. generated revenue of $24.7T at a net margin of 14.7%. Revenue grew 10.8% year over year. It earns a return on equity of 16.9%. The balance sheet holds a net cash position of $3.4T. Fundamentals as of Aug 27, 2026
Our scenario range runs from $125.27 (bear case) to $208.78 (bull case); at $101.87, the current price sits below that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades near its 52-week high and 144% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at −10% fair-value upside, at 64%, CIB screens cheaper than that median.
Fair Value models
This estimate rests on fiscal year 2025 figures, and about 8 months have passed since. In that time the company retained roughly $5.23 per share, which is 3.1 % of the fair value. The fair value deliberately does not add this in: the models value reported figures, not a projection.
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted, family-balanced blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small. Every input is real reported data, nothing guessed.
All 4 models by family
Widest divergence: Economic Profit ($535,046) versus Asset-Based ($241,907). Highest evidence: P/E Multiple (63).
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Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Aug 27, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 59 · Market factors (momentum, volatility) 94
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
All values are scores from 0 to 100 (100 = best against fixed, research-based bands), not percentages. The three market factors (momentum, 52-week proximity, low volatility) are displayed but carry zero weight in the headline number: market sentiment is not a business property.
About the company
Grupo Cibest S.A., together with its subsidiaries, provides various banking products and services in Colombia and internationally.
Full company description
Grupo Cibest S.A., together with its subsidiaries, provides various banking products and services in Colombia and internationally. It offers deposit products, including checking and savings accounts, fixed-term deposits, and investment products; credit alternatives solutions such as trade financing, working capital loans, mortgages, credit cards, personal, vehicle, payroll, and small business loans, and overdrafts; and factoring. It also provides financial and operating leases; capital markets, such as hedging instruments; trading, including interbank lending, repurchase agreements, foreign exchange transactions, and sovereign and corporate securities trading, brokerage and investment advisory services, access to local and international capital markets, and third-party asset management, as well as cash management, payables and receivables solutions, real-time web services, and SWIFT Net solutions. In addition, it provides foreign currency investment and trade finance solutions such as letters of credit and bills collection; bancassurance and insurance; and investment banking services include project finance, acquisition finance, large corporate loans, loan syndication, debt and equity capital markets, principal investments, mergers and acquisitions, and advisory on hedging strategies and restructurings. Further, it offers trust and fiduciary services, escrow accounts, investment funds, and real estate funds; and Nequi digital platform. Additionally, it provides roadside and medical assistance services; and BRE-b, mortgage lending innovations, payments through wompi, inflation-indexed sustainability loans, and Salud para ti. It serves physical branches, mobile branches, ATMs, online, computer, telephone, and mobile banking, banking correspondents, kiosks, and direct business connections. The company was formerly known as Bancolombia S.A. and changed its name to Grupo Cibest S.A. in May 2025. The company was founded in 1875 and is based in Medellín, Colombia.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
Grupo Cibest S.A. reported revenue of 42.9T COP in FY2025 versus 21.7T COP in FY2021, a compound +18.6%/yr. Reported net income was 6.8T COP in FY2025, compounding +13.5%/yr from FY2021.
of which total revenue +12.2 % · buybacks/dilution −14.2 %
Annual growth per factor. These are factors, not summands: multiplied they give the EPS growth rate, added they do not quite. Start and end points are 3-year averages (details on hover).
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Earlier news
External third-party headlines (Yahoo Finance, Reuters and others), not an editorial selection.
- CIB vs. ITT: Which Stock Is the Better Value Option?
- Grupo Cibest SA (CIB) (Q2 2026) Earnings Call Highlights: Record ROE and Raised Guidance Signal ...
- What Makes Grupo Cibest (CIB) a Strong Momentum Stock: Buy Now?
Peer Group
Banks - Regional · 1071 stocks
How this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.
Valuation Multiples vs Banks - Regional median · lower = cheaper
Strength profile in five axes (Snowflake)
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate (as of Aug 27, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| DBS Group D05 | 75.65 SGD | 40.48 SGD | −46% |
| China Merchants Bank Co 3968 | HK$47.96 | HK$76.51 | +60% |
| Intesa Sanpaolo S.p.A ISP | €6.78 | €5.66 | −17% |
| HDFC Bank Limited HDB | $23.17 | $24.12 | +4% |
| BNP Paribas SA BNP | €102.56 | €144.64 | +41% |
| UniCredit S.p.A UCG | €84.71 | €77.62 | −8% |
| Mizuho Financial Group MFG | $10.74 | $9.69 | −10% |
| ICICI Bank Limited ICICIBANK | ₹1,443 | ₹835.21 | −42% |
| Oversea-Chinese Banking Corporation O39 | 31.07 SGD | 19.80 SGD | −36% |
| CaixaBank, S.A CABK | €13.52 | €8.85 | −35% |
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Frequently asked questions
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