Grupo Cibest (CIB) AI Stock Analysis

• Market Cap: $16.24B
• Dividend Yield: 10.3%
• Average Volume (3M): 292.45K
• Price to Earnings (P/E): 16.0
• Beta (1Y): 0.43
• 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: 234,635
• 30 Day Avg. Volume: 292,452
• 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: 0.99
• Enterprise Value/Revenue: <0.01
• Enterprise Value/Gross Profit: <0.01
• Enterprise Value/Ebitda: <0.01
• 1Y Price Target: $58.50
• Price Target Upside: -8.00% Downside
• Rating Consensus: Moderate Sell
• Number of Analyst Covering: 3
• EPS Forecast (FY): 7.87
• Revenue Forecast (FY): $7.56B

• Rating: 71 Outperform
• Price Target: $69.00 ▲(8.51% Upside)

CIB's overall stock score of 71 reflects a combination of strong technical indicators and attractive valuation, supported by a positive earnings call. However, the mixed financial performance, particularly the cash flow challenges, tempers the overall score. The stock is appealing for its growth potential and income yield, but investors should be mindful of the financial constraints.

Positive Factors

Strong Profitability Metrics

High profit margins indicate effective cost management and operational efficiency, contributing to long-term financial stability.

Strong Capital Position

A robust capital position ensures financial resilience and supports future growth opportunities, enhancing shareholder value.

High Return on Equity

High ROE reflects efficient use of equity to generate profits, indicating strong management performance and potential for sustainable growth.

Negative Factors

Declining Revenue Growth

Decreasing revenue growth can signal challenges in market expansion and competitive pressures, potentially impacting long-term profitability.

Significant Cash Flow Challenges

Cash flow constraints limit financial flexibility, affecting the company's ability to invest in growth initiatives and manage debt effectively.

Increased Administrative Expenses

Rising administrative costs can erode profit margins and indicate potential inefficiencies, posing a risk to long-term cost management.

Grupo Cibest Business Overview & Revenue Model

Company Description

Grupo Cibest SA operates as an investment holding company. The company is headquartered in Medellin, Columbia.

How the Company Makes Money

Grupo Cibest generates revenue through multiple streams, primarily from its core offerings in software development and IT services, which include custom software solutions, cloud computing, and managed IT services. Additionally, the company earns revenue by providing telecommunication infrastructure solutions, including network design and implementation. Strategic partnerships with technology providers and telecommunications companies further enhance its service portfolio and open new markets. Recurring revenue is also a significant factor, coming from maintenance contracts and subscription-based services that ensure a steady income stream.

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	42.48T	22.18T	20.88T	32.69T	21.69T	21.58T
Gross Profit	24.89T	22.18T	20.88T	20.45T	14.92T	8.19T
EBITDA	11.41T	9.77T	10.27T	10.69T	6.84T	1.05T
Net Income	7.34T	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	33.34T	30.06T	36.13T	28.77T	24.54T	23.38T
Total Debt	27.87T	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	42.38T	43.54T	38.09T	39.09T	32.23T	26.55T
Cash Flow
Free Cash Flow	136.12B	-19.94T	16.74T	3.03T	3.91T	9.70T
Operating Cash Flow	2.33T	-17.89T	19.15T	6.56T	6.10T	11.23T
Investing Cash Flow	-2.28T	-559.20B	-159.69B	-4.65T	-650.49B	-7.52T
Financing Cash Flow	5.09T	9.09T	11.59T	853.44B	-6.81T	-4.92T

Grupo Cibest Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 63.59
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• 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 63.59 is above the 20-day moving average (MA) of 62.70, above the 50-day MA of 58.59, and above the 200-day MA of 47.48, indicating a bullish trend. The MACD of 1.25 indicates Positive momentum. The RSI at 60.66 is Neutral, neither overbought nor oversold. The STOCH value of 51.52 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
SSB	79 Outperform	$9.26B	12.65	9.32%	2.47%	33.87%	12.26%
BAP	73 Outperform	$21.66B	12.21	18.12%	5.04%	8.72%	27.70%
CIB	71 Outperform	$16.24B	15.97	17.06%	10.30%	-6.79%	16.13%
BCH	71 Outperform	$19.16B	14.66	21.29%	5.58%	-11.64%	-8.75%
BSAC	69 Neutral	$14.31B	12.50	24.13%	4.42%	12.43%	56.30%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
BSBR	66 Neutral	$22.90B	21.74	9.34%	5.11%	1.13%	-11.93%

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.