Education
About Us
Working with TipRanks
Follow Us
Grupo Cibest (CIB)
NYSE:CIB
Top Page
Grupo Cibest
(NYSE:CIB)
Select Model
Select Model
Rating:71Outperform
Price Target:
$69.00
â–²(2.77% 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 (CIB) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$16.98B
Dividend Yield10.29%
Average Volume (3M)263.96K
Price to Earnings (P/E)17.0
Beta (1Y)0.44
Revenue Growth-6.79%
EPS Growth16.13%
CountryUS
Employees34,182
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)2.37
Shares Outstanding112,485,146
10 Day Avg. Volume176,137
30 Day Avg. Volume263,961
Financial Highlights & Ratios
PEG Ratio2.16
Price to Book (P/B)0.77
Price to Sales (P/S)1.50
P/FCF Ratio-1.67
Enterprise Value/Market Cap1.51K
Enterprise Value/Revenue0.61
Enterprise Value/Gross Profit1.03
Enterprise Value/Ebitda2.25
Forecast
1Y Price Target
$59.33Price Target Upside-11.63% Downside
Rating ConsensusModerate Sell
Number of Analyst Covering4
EPS Forecast (FY)8.21
Revenue Forecast (FY)$7.96B
Grupo Cibest Business Overview & Revenue Model
Company DescriptionGrupo Cibest SA operates as an investment holding company. The company is headquartered in Medellin, Columbia.
How the Company Makes MoneyGrupo 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 Earnings Call Summary
Earnings Call Date:Nov 06, 2025
(Q3-2025)
| % Change Since: |
Next Earnings Date:Feb 19, 2026
Earnings Call Sentiment Positive
The earnings call presents a strong financial performance by CIB, highlighted by significant loan and deposit growth, high ROE, and a strong capital position. Despite challenges such as increased administrative expenses and natural NIM compression, the bank's strategic initiatives and favorable macroeconomic conditions contributed to a positive outlook.Q3-2025 Updates
Positive Updates
Strong Loan Growth
Loans grew by EGP 119 billion, translating to a growth of 30%, driven by local currency loan bookings of 38% and foreign currency loans growing by 17%.
Deposit Growth and CASA Improvement
Total deposits recorded EGP 1.04 trillion, growing by 8% or EGP 75.3 billion year-to-date. The healthy share of CASA to total deposits grew from 55% last year to 60% this year.
High Return on Equity
ROE recorded 45.9% and upon excluding the one-off provision release, it's 37.7%.
Record Noninterest Income Growth
Fees and commissions income grew by 22% year-over-year.
Strong Capital Position
Maintained a strong capital position with a CAR of 30% and a CET1 ratio of 26% by end of third quarter 2025.
Negative Updates
Increased Administrative Expenses
Administrative expenses increased by 35% for the 9 months '25 versus the same period last year, driven by renewals of expired contracts and finalized IT projects.
Natural NIM Compression
Natural NIM compression due to interest rate cuts, though mitigated by disciplined monetary policy and CASA growth.
Provision Release Not Part of Capital Base
The provision release amounting to EGP 13.1 billion will not be recognized in the bank's capital base or CAR or distributable profits without prior consultation with the CBE.
Company Guidance
During the CIB's 3Q '25 earnings call, management provided guidance based on the bank's recent financial performance and macroeconomic conditions. The bank reported a loan growth of EGP 119 billion, translating to a 30% increase, driven by a 38% increase in local currency loans and a 17% increase in foreign currency loans. Deposits reached EGP 1.04 trillion, up by 8%, with the CASA ratio improving from 55% to 60%. The bank's loan-to-deposit ratio rose to 49.7%, with local currency NIMs at 13%, amidst a declining interest rate environment. Costs were managed efficiently, with a cost-to-income ratio of 14.3%. The recalibrated ECL model led to a one-time provision release of EGP 13.1 billion. CIB's ROE was recorded at 45.9%, with a CET1 ratio of 26%. The bank expects continued strong performance with a focus on disciplined growth, maintaining a solid balance sheet, and leveraging macroeconomic improvements.Grupo Cibest Financial Statement Overview
Summary
Grupo Cibest's financial performance is mixed. Strong profitability metrics and a stable balance sheet are offset by declining revenue growth and significant cash flow challenges. The company demonstrates operational efficiency but needs to address cash flow constraints for long-term stability.Income Statement
Grupo Cibest's income statement shows a mixed performance. The TTM data indicates a decline in revenue growth rate by 6.7%, which is concerning. However, the company maintains a healthy gross profit margin of 58.6% and a net profit margin of 17.3%. The EBIT and EBITDA margins are also strong at 24.5% and 26.9%, respectively, suggesting operational efficiency. Despite the revenue decline, profitability metrics remain robust, indicating effective cost management.Balance Sheet
The balance sheet reflects a stable financial position with a debt-to-equity ratio of 0.66, indicating moderate leverage. The return on equity is strong at 17.5%, showcasing effective use of equity to generate profits. The equity ratio stands at 11.3%, suggesting a solid equity base relative to total assets. Overall, the balance sheet demonstrates financial stability with manageable debt levels.Cash Flow
Cash flow analysis reveals challenges, with a significant decline in free cash flow growth by 104.6% in the TTM period. The operating cash flow to net income ratio is low at 0.008, indicating potential issues in converting income to cash. The free cash flow to net income ratio is also low at 5.8%. These metrics suggest cash flow constraints, which could impact future financial flexibility.| Breakdown | TTM | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 42.48T | 42.91T | 45.18T | 32.69T | 21.69T | 21.58T |
| Gross Profit | 24.89T | 22.43T | 21.05T | 20.45T | 14.92T | 8.19T |
| EBITDA | 11.41T | 9.77T | 9.23T | 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
Positive
67.14
Price Trends
62.19
Positive
57.13
Positive
49.80
Positive
Market Momentum
1.00
Negative
66.82
Neutral
67.09
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 67.14 is above the 20-day moving average (MA) of 63.80, above the 50-day MA of 62.19, and above the 200-day MA of 49.80, indicating a bullish trend. The MACD of 1.00 indicates Negative momentum. The RSI at 66.82 is Neutral, neither overbought nor oversold. The STOCH value of 67.09 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive 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.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 1 New Risks
1.
The Bank is subject to a wide range of cybersecurity incidents. Q4, 2023
Grupo Cibest Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
79 Outperform | $9.60B | 13.11 | 9.32% | 2.38% | 33.87% | 12.26% | |
73 Outperform | $23.26B | 13.12 | 18.12% | 4.82% | 8.72% | 27.70% | |
71 Outperform | $16.98B | 17.02 | 17.06% | 10.29% | -6.79% | 16.13% | |
71 Outperform | $20.06B | 15.51 | 21.29% | 5.56% | -11.64% | -8.75% | |
69 Neutral | $15.33B | 13.50 | 24.13% | 4.29% | 12.43% | 56.30% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | $23.68B | 22.45 | 9.34% | 4.98% | 1.13% | -11.93% |
* Financial Sector Average
CIB
Grupo Cibest
67.14
37.89
129.54%
BCH
Banco De Chile
40.00
18.47
85.79%
BSBR
Banco Santander Brasil
6.36
2.52
65.63%
BSAC
Banco Santander Chile
32.36
14.48
80.98%
BAP
Credicorp
295.71
121.58
69.82%
SSB
SouthState Corporation
97.12
3.30
3.52%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
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.