Grupo Cibest S.A. (CIB) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of Grupo Cibest S.A. stock $80.01, price $92.37, that is 13.4% below the price, quality 64 out of 100. Rating: overvalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.
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Grupo Cibest S.A.
CIB · USOur calculation puts a fair price 13% below what the stock costs today.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 7, 2026.
How to read this chart
60‑month range $13.17 – $101.53 · fair‑value band $60.01 – $100.01 · the $92.37 price screens above the $80.01 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 7, 2026.
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Company profile
Grupo Cibest S.A., together with its subsidiaries, provides various banking products and services in Colombia and internationally.
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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.
Stock analysis
Grupo Cibest S.A. (CIB) currently trades at $92.37, while our model-based Fair Value estimate is $80.01, 13% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Dividend Discount group reads highest at a median of $139.90 per share, and 3 of the 6 models we run sit above the $92.37 price.
Bear case: the Asset-Based group reads lowest at $30.84, and 3 of the 6 models stay below the price. Data coverage for this calculation is high.
Scenario range: $60.01 (bear) to $100.01 (bull), the price of $92.37 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 64/100 (solid quality), in the Financial Services sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
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.
Key figures
Market cap $21.8B Large · P/E ratio 11.6 · P/S ratio 1.82 · EPS (TTM) $8.30 · Dividend yield 6.2% · Net margin 15.8% · Return on equity 19.2% · Return on assets (EBIT) 2.4% (5-year average).
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 60 out of 100 (low confidence).
What moves the price
The share trades about 9% below its 52-week high and 64% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at −13%, CIB screens cheaper than that median.
Fair Value models
All 6 models by family
Quality Score breakdown
It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.
Revenue & earnings trend
CIB screens overvalued: fair value 13% below the price. Compare with China Merchants Bank Co →
Recent news
- What Grupo Cibest Holders Bought Into
- Are Conglomerates Stocks Lagging Grupo Cibest S.A. - Sponsored ADR (CIB) This Year?
Compare Grupo Cibest S.A. with another stock
Price, fair value, quality and upside side by side.
Peer Groupⓘ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.Banks - Regional · 996 stocks
Valuation Multiplesvs Banks - Regional median · lower = cheaper
Strength profile in five axes (Snowflake)
HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.
Context: sector, industry, market
- Is the Financials sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- EV/EBITDA by industry
- Dividend yield by industry
- Piotroski F-Score screener with fair value
- Undervalued stocks: US Stocks
- Valuation of the USA market
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.
| Stock | Price | Fair Value | vs Fair Value | Compare |
|---|---|---|---|---|
| Postal Savings Bank of China Co 601658 | ¥5.53 | ¥7.59 | +37% | vs CIB |
| China Merchants Bank Co 600036 | ¥42.88 | ¥52.73 | +23% | vs CIB |
| BNP Paribas SA BNP | €91.93 | €106.01 | +15% | vs CIB |
| Intesa Sanpaolo S.p.A ISP | €6.18 | €4.49 | −27% | vs CIB |
| State Bank of India SBIN | ₹1,019 | ₹736.65 | −28% | vs CIB |
| UniCredit S.p.A UCG | €76.80 | €50.44 | −34% | vs CIB |
| Mizuho Financial Group MFG | $9.40 | $5.89 | −37% | vs CIB |
| DBS Group D05 | 69.72 SGD | 40.39 SGD | −42% | vs CIB |
| HDFC Bank Limited HDFCBANK | ₹788.25 | ₹406.39 | −48% | vs CIB |
| ICICI Bank Limited ICICIBANK | ₹1,571 | ₹615.63 | −61% | vs CIB |
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Frequently asked questions
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Key figures of Grupo Cibest S.A.
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