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Grupo Cibest (CIB) AI Stock Analysis
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Grupo Cibest
(NYSE:CIB)
CIB scores well on fundamentals, with a clear TTM profitability and cash-flow rebound, though balance-sheet leverage and historical volatility temper the strength. Technicals are constructive with strong trend and MACD, but near-overbought RSI adds near-term risk. Valuation is favorable (low P/E and moderate yield), and the earnings call was supportive due to upgraded NIM/ROE guidance and active capital returns, balanced by macro and asset-quality risk pockets.
Grupo Cibest (CIB) vs. SPDR S&P 500 ETF (SPY)
- Market Cap
- $21.73B
- Dividend Yield
- 4.26%
- Average Volume (3M)
- 304.57K
- Price to Earnings (P/E)
- 9.1
- Beta (1Y)
- 0.33
- Revenue Growth
- 7.13%
- EPS Growth
- -22.31%
- Country
- US
- Employees
- 33,951
- Sector
- Financial
- Sector Strength
- 68
- Industry
- Banks - Regional
Grupo Cibest Business Overview & Revenue Model
Company Description
Grupo Cibest SA functions as an investment holding enterprise, with its headquarters situated in Medellin, Colombia.
Grupo Cibest Earnings Call Summary
The call conveyed strong underlying operational and financial momentum: record quarterly net income, materially expanded NIM and ROE, healthy fee growth, improved efficiency and disciplined capital actions (buybacks, extraordinary dividend, acquisitions). These positives were balanced against macro and event-driven headwinds — high inflation, elevated policy rates, fiscal pressures, peso appreciation, seismic and El Niño risks, and some concentrated asset-quality pressures (notably in consumer pockets and certain Central American segments). Management raised guidance for NIM and ROE while maintaining conservative cost-of-risk and loan-growth targets and emphasized capital strength and strategic initiatives (Nequi separation, Avista acquisition). Overall, the company appears well positioned to sustain returns but remains exposed to near-term macro and event risks that could pressure asset quality and margins.
Q2-2026 Updates
Positive Updates
Negative Updates
Company Guidance
Management updated 2026 guidance with loan growth unchanged at 7–8%, NIM raised to 7.4–7.6% (lending NIM ~8%, investment NIM ~3.5%), cost of risk maintained at 1.6–1.8%, an efficiency ratio around 48% and ROE lifted to 21–22%; at mid‑year they reported a quarterly annualized cost of risk of 1.6% and first‑half ROE of 21.5%. On capital, Bancolombia’s June CET1 was 12.1% and total solvency 13.9%, management expects standalone solvency of ~15.3% and group double‑leverage of ~105% by year‑end (appetite up to ~120%); corporate actions include a proposed extraordinary dividend of 1.2 trillion and an active 3‑year buyback (over 7 million shares, ~COP 967 billion repurchased in the last 12 months).
Grupo Cibest Financial Statement Overview
Summary
TTM results show a strong rebound with sharply higher revenue, improving margins (EBIT/EBITDA) and better net profitability, supported by solid operating and free cash flow. Offsetting factors are higher leverage versus 2025, lower equity and assets, and notable multi-year volatility (including prior negative FCF), which increases sensitivity to macro conditions.
Income Statement
78PositiveBalance Sheet
64PositiveCash Flow
71Positive| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 44.31T | 42.92T | 42.91T | 45.18T | 32.69T | 21.69T |
| Gross Profit | 27.06T | 26.22T | 22.43T | 21.05T | 20.45T | 14.92T |
| EBITDA | 11.33T | 9.98T | 9.77T | 9.23T | 10.69T | 6.84T |
| Net Income | 7.71T | 6.78T | 6.27T | 6.12T | 6.78T | 4.09T |
Balance Sheet | ||||||
| Total Assets | 351.19T | 379.35T | 372.22T | 342.93T | 352.81T | 289.86T |
| Cash, Cash Equivalents and Short-Term Investments | 26.83T | 22.78T | 30.06T | 36.13T | 28.77T | 24.54T |
| Total Debt | 23.72T | 19.36T | 29.91T | 32.56T | 41.17T | 31.46T |
| Total Liabilities | 313.08T | 338.40T | 327.63T | 303.88T | 312.82T | 255.93T |
| Stockholders Equity | 36.88T | 39.71T | 43.54T | 38.09T | 39.09T | 32.23T |
Cash Flow | ||||||
| Free Cash Flow | 11.69T | 10.01T | -1.61T | 16.74T | 2.80T | 4.42T |
| Operating Cash Flow | 14.04T | 12.26T | 435.89B | 19.15T | 6.34T | 6.60T |
| Investing Cash Flow | -14.34T | -2.22T | -559.20B | -159.69B | -4.65T | -650.49B |
| Financing Cash Flow | 2.69T | -8.25T | -9.24T | -5.43T | 853.44B | -6.81T |
Grupo Cibest Technical Analysis
Price Trends
Market Momentum
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For CIB, the sentiment is Neutral. The current price of 92.02 is below the 20-day moving average (MA) of 95.71, below the 50-day MA of 96.08, and above the 200-day MA of 79.23, indicating a neutral trend. The MACD of -0.18 indicates Positive momentum. The RSI at 39.74 is Neutral, neither overbought nor oversold. The STOCH value of 15.53 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for CIB.
Grupo Cibest Risk Analysis
Grupo Cibest disclosed 38 risk factors in its most recent earnings report. Grupo Cibest reported the most risks in the "Finance & Corporate" category.
Latest Risks Added
1 New RiskGrupo Cibest Peers Comparison
Overall Rating
BAP85Outperform- CIB75Outperform
BSAC73Outperform
SSB69Neutral
BCH67Neutral
BSBR57Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| BAP | 85Outperform | $27.71B | 13.08 | 19.58% | 4.19% | 23.90% | 27.55% |
| CIB | 75Outperform | $24.41B | 9.15 | 19.85% | 4.26% | 7.13% | -22.31% |
| BSAC | 73Outperform | $14.49B | 13.14 | 22.03% | 4.85% | 7.69% | 9.88% |
| SSB | 69Neutral | $10.18B | 11.13 | 10.23% | 2.34% | 17.60% | 28.90% |
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
| BCH | 67Neutral | $18.62B | 15.24 | 21.27% | 5.99% | 3.94% | 3.40% |
| BSBR | 57Neutral | $16.50B | 29.20 | 10.09% | 3.35% | 18.27% | 16.65% |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| CIB | Grupo Cibest S.A. | 92.02 | 37.33 | 68.25% | |
| BCH | Banco De Chile | 36.55 | 1.83 | 5.26% | |
| BSBR | Banco Santander Brasil SA | 4.41 | -1.18 | -21.17% | |
| BSAC | Banco Santander-Chile | 30.53 | 2.57 | 9.18% | |
| BAP | Credicorp | 348.96 | 100.43 | 40.41% | |
| SSB | SouthState Corporation | 105.17 | 18.50 | 21.34% |
Grupo Cibest Corporate Events
Grupo Cibest Posts Strong 2Q 2026 Results and Completes Banistmo Divestment
On June 30, 2026, Grupo Cibest completed the divestment of Banistmo S.A., selling 100% of its shares to Banco La Hipotecaria, a subsidiary of Inversiones Cuscatlán, for USD 1.418 billion as part of a long-term strategy to streamline its portfoli...
Grupo Cibest Tightens Shareholder Governance Ahead of August 26 Meeting
On August 10, 2026, Grupo Cibest S.A. announced a set of governance measures designed to ensure equitable treatment of shareholders ahead of its General Shareholders’ Meeting scheduled for August 26, 2026. The Board of Directors revised the Goo...
Grupo Cibest Calls Extraordinary Shareholders’ Meeting to Approve Extraordinary Dividend Plan
On August 10, 2026, Grupo Cibest S.A. announced that its presidency has convened an Extraordinary General Shareholders’ Meeting to be held in person on August 26, 2026, at the company’s administrative offices in Medellín. The meeting...
Grupo Cibest Sets September Launch for Independent Nequi Financing Company
Grupo Cibest S.A. announced on July 31, 2026, that Nequi S.A. Compañía de Financiamiento is expected to begin operations as an independent financing company within the group on September 1, 2026, following regulatory authorization granted i...
Grupo Cibest Clarifies Board Compensation and Fund Redemption Rules
On July 1, 2026, Grupo Cibest S.A. clarified to the market the structure of its Board of Directors’ compensation policy, previously disclosed on June 25, 2026. Under this policy, 70% of board pay is delivered in cash and 30% via contributions t...
Grupo Cibest Finalizes Sale of Banistmo to Inversiones Cuscatlán Group
On June 30, 2026, Grupo Cibest S.A. completed the previously announced sale of its Panamanian banking subsidiary Banistmo S.A. to Banco La Hipotecaria S.A., a unit of Inversiones Cuscatlán Centroamérica S.A., receiving the agreed purchase p...
Grupo Cibest Board Backs Chairman’s Partial Exit from SVA Fund Under Governance Protocols
On June 25, 2026, Grupo Cibest S.A. announced that its Board of Directors unanimously authorized Chairman Luis Fernando Restrepo Echavarría to partially settle his rights in the SVA Institutional Fund, which is primarily invested in Grupo Cibest...
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.
Date of analysis: Aug 19, 2026