Grupo Cibest (CIB) AI Stock Analysis

• Market Cap: $15.59B
• Dividend Yield: 10.47%
• Average Volume (3M): 321.87K
• Price to Earnings (P/E): 12.7
• Beta (1Y): 0.40
• Revenue Growth: -6.79%
• EPS Growth: 16.13%
• Country: US
• Employees: 34,182
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 2.37
• Shares Outstanding: 112,485,146
• 10 Day Avg. Volume: 366,916
• 30 Day Avg. Volume: 321,866
• PEG Ratio: 2.16
• Price to Book (P/B): 0.77
• Price to Sales (P/S): 1.50
• P/FCF Ratio: -1.67
• Enterprise Value/Market Cap: 1.03
• Enterprise Value/Revenue: <0.01
• Enterprise Value/Gross Profit: <0.01
• Enterprise Value/Ebitda: <0.01
• 1Y Price Target: $52.00
• Price Target Upside: -16.84% Downside
• Rating Consensus: Moderate Sell
• Number of Analyst Covering: 2
• EPS Forecast (FY): 7.29
• Revenue Forecast (FY): $7.35B

• Rating: 79 Outperform
• Price Target: $72.00 ▲(15.14% Upside)

CIB's overall stock score is driven by strong earnings call results and robust technical analysis, indicating positive market sentiment and strategic growth. While financial performance shows stability, cash flow management needs improvement. The attractive valuation further supports the stock's potential, making it appealing for both growth and income investors.

Positive Factors

Loan and Deposit Growth

Strong loan and deposit growth indicates robust demand for Bancolombia's services, enhancing revenue potential and market position in the banking sector.

Strong Capital Position

A strong capital position ensures financial stability and provides a buffer against economic downturns, supporting long-term growth and resilience.

Noninterest Income Growth

Growth in noninterest income diversifies revenue streams, reducing reliance on interest income and enhancing financial stability in varying economic conditions.

Negative Factors

Increased Administrative Expenses

Rising administrative expenses can pressure profit margins, necessitating cost control measures to maintain profitability and operational efficiency.

Natural NIM Compression

NIM compression impacts interest income, potentially reducing profitability. Sustained margin pressure requires strategic adjustments to maintain earnings.

Cash Flow Challenges

Negative free cash flow indicates potential liquidity issues, impacting the ability to fund operations and growth initiatives without external financing.

Grupo Cibest Business Overview & Revenue Model

Company Description

Bancolombia (CIB) is a leading financial institution in Colombia, providing a wide range of banking and financial services to individuals, businesses, and corporations. The company operates in several sectors, including retail banking, corporate banking, investment banking, and asset management. Bancolombia offers core products and services such as savings and checking accounts, credit and debit cards, loans, mortgages, investment products, and various insurance solutions, catering to the diverse financial needs of its clients.

How the Company Makes Money

Bancolombia generates revenue primarily through interest income from loans, which constitutes a significant portion of its earnings. The bank lends money to consumers and businesses, charging interest on these loans, which provides a steady income stream. Additionally, Bancolombia earns fees from various services, including account maintenance, transaction fees, and commissions from investment and insurance products. The company also benefits from wealth management services, where it charges fees for managing investments and providing financial advisory services. Significant partnerships with fintech companies and collaborations in digital banking initiatives enhance its service offerings and customer reach, contributing to its overall revenue growth.

Grupo Cibest Financial Statement Overview

Summary

Bancolombia exhibits strong revenue and profit growth, reflecting robust performance in the banking sector. While the balance sheet shows prudent leverage management, there is a need for better equity utilization. Cash flow challenges, particularly in 2024, signal a need for enhanced cash management strategies. Overall, the company demonstrates financial stability with areas for operational improvement.

Income Statement

The income statement shows strong growth in total revenue and net income over the years, with a revenue increase from 2023 to 2024. The gross profit margin is solid at 100% due to the nature of the banking industry. The net profit margin for 2024 is approximately 28.3%, indicating high profitability. However, the EBIT margin has fluctuated, which suggests varying operational efficiencies.

Balance Sheet

The balance sheet reflects a stable equity base with a debt-to-equity ratio of about 0.44 in 2024, indicating a well-managed leverage position. The equity ratio stands at around 11.7%, showing moderate reliance on equity for asset financing. However, the return on equity of approximately 14.4% suggests room for improved equity utilization.

Cash Flow

The cash flow statement highlights negative free cash flow in 2024, which raises concerns about cash management, despite positive operating cash flow in prior years. The operating cash flow to net income ratio is negative for 2024, suggesting issues in converting profits into cash flows. Improvements in cash flow efficiency are needed for better financial health.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	42.51T	22.18T	20.88T	32.69T	21.69T	21.58T
Gross Profit	23.83T	22.18T	20.88T	20.45T	14.92T	8.19T
EBITDA	10.53T	9.77T	10.27T	10.69T	6.84T	1.05T
Net Income	6.69T	6.27T	6.12T	6.78T	4.09T	275.99B
Balance Sheet
Total Assets	10.00T>	10.00T>	10.00T>	10.00T>	10.00T>	10.00T>
Cash, Cash Equivalents and Short-Term Investments	36.46T	30.06T	36.13T	28.77T	24.54T	23.38T
Total Debt	27.40T	29.91T	32.56T	41.17T	31.46T	34.36T
Total Liabilities	10.00T>	10.00T>	10.00T>	10.00T>	10.00T>	10.00T>
Stockholders Equity	41.29T	43.54T	38.09T	39.09T	32.23T	26.55T
Cash Flow
Free Cash Flow	-2.95T	-19.94T	16.74T	3.03T	3.91T	9.70T
Operating Cash Flow	-945.36B	-17.89T	19.15T	6.56T	6.10T	11.23T
Investing Cash Flow	-1.60T	-559.20B	-159.69B	-4.65T	-650.49B	-7.52T
Financing Cash Flow	3.84T	9.09T	11.59T	853.44B	-6.81T	-4.92T

Grupo Cibest Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 62.53
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Negative
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For CIB, the sentiment is Positive. The current price of 62.53 is above the 20-day moving average (MA) of 59.75, above the 50-day MA of 55.69, and above the 200-day MA of 45.68, indicating a bullish trend. The MACD of 2.36 indicates Negative momentum. The RSI at 70.11 is Negative, neither overbought nor oversold. The STOCH value of 66.34 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for CIB.

Grupo Cibest Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
CIB	79 Outperform	$15.59B	12.68	17.06%	10.47%	-6.79%	16.13%
GGAL	77 Outperform	$9.15B	7.44	22.42%	1.66%	-42.92%	-21.46%
BAP	73 Outperform	$20.19B	11.38	18.12%	5.56%	8.72%	27.70%
BCH	71 Outperform	$17.69B	13.82	21.29%	5.72%	-11.64%	-8.75%
BMA	70 Outperform	$5.65B	13.31	10.91%	2.24%	-57.78%	-67.92%
BSAC	69 Neutral	$13.55B	12.10	24.13%	4.54%	12.43%	56.30%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%

Grupo Cibest Corporate Events

Bancolombia Releases Q2 2025 Financial Report

Bancolombia S.A. released its quarterly report for the second quarter of 2025, fulfilling a legal reporting requirement in Colombia. The report, which covers the fiscal quarter ended June 30, 2025, highlights the company’s financial performance and includes details on its current securities and international bonds. The report is prepared in accordance with Colombian law and not international standards, indicating a focus on local regulatory compliance. This announcement may impact stakeholders by providing insights into the company’s financial health and market positioning.

Bancolombia Delists Bonds from NYSE, Moves to Singapore Exchange

On August 14, 2025, Bancolombia S.A. announced the voluntary delisting of its 4.875% Subordinated Notes due 2027 and 8.625% Subordinated Notes due 2034 from the New York Stock Exchange. This strategic move, authorized by the company’s Board of Directors, aims to list these notes on the Singapore Exchange, with trading expected to commence on August 15, 2025. The decision reflects Bancolombia’s efforts to optimize its financial operations and enhance its market presence in Asia, potentially impacting stakeholders by aligning the company’s securities with a more suitable exchange.