Bancolombia S.A. (C2OL34) fair value: what the stock is really worth
As of Oct 29, 2026: fair value (intrinsic value) of Bancolombia S.A. stock BRL 91.49, price BRL 127, upside -28.1%, quality 60 out of 100. Rating: overvalued. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Bancolombia S.A.
C2OL34 · SAOur calculation puts a fair price 28% 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 Oct 29, 2026.
How to read this chart
56‑month range R$21.05 – R$131.43 · fair‑value band R$68.62 – R$114.37 · the R$127.27 price screens above the R$91.49 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Oct 29, 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
Bancolombia S.A. (C2OL34) currently trades at R$127.27, while our model-based Fair Value estimate is R$91.49, 28.1% 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 R$101.67 per share, and 0 of the 6 models we run sit above the R$127.27 price.
Bear case: the Asset-Based group reads lowest at R$44.56, and 6 of the 6 models stay below the price. Data coverage for this calculation is medium.
Scenario range: R$68.62 (bear) to R$114.37 (bull), the price of R$127.27 sits above 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 60/100 (solid quality), in the Financial Services sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
Bancolombia S.A. reported revenue of 27.5T COP in FY2025 versus 17.3T COP in FY2021, a compound +12.2%/yr. Reported net income was 3.8T COP in FY2025, compounding −1.7%/yr from FY2021.
Key figures
Market cap R$120B (≈ $22.5B) Large · P/E ratio 11.2 · P/S ratio 1.55 · EPS (TTM) R$11.26 · Dividend yield 7.4% · Net margin 13.9% · Return on equity 19.2% · Return on assets 2.1%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 59 out of 100 (medium confidence).
What moves the price
The share trades about 3% below its 52-week high and 71% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −31% fair-value upside, at −28%, C2OL34 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
Growth Forecast
C2OL34 screens overvalued: fair value 28% below the price. Compare with DBS Group →
Compare Bancolombia 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 · 1063 stocks
Valuation Multiplesvs Banks - Regional median · lower = cheaper
Strength profile in five axes (Snowflake)
VALUE 0: the price sits above our fair-value range.
Context: sector, industry, market
- Is the Financials sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- EBIT margin by industry
- P/S ratio by industry
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 |
|---|---|---|---|---|
| China Merchants Bank Co 600036 | ¥42.50 | ¥52.73 | +24% | vs C2OL34 |
| BNP Paribas SA BNP | €87.20 | €106.06 | +22% | vs C2OL34 |
| Itaú Unibanco Holding ITUB | $7.70 | $6.95 | −10% | vs C2OL34 |
| Mizuho Financial Group MFG | $9.51 | $6.85 | −28% | vs C2OL34 |
| Intesa Sanpaolo S.p.A ISP | €6.02 | €4.15 | −31% | vs C2OL34 |
| Oversea-Chinese Banking Corporation O39 | 28.96 SGD | 19.78 SGD | −32% | vs C2OL34 |
| UniCredit S.p.A UCG | €74.56 | €50.44 | −32% | vs C2OL34 |
| HDFC Bank Limited HDFCBANK | ₹688.05 | ₹406.39 | −41% | vs C2OL34 |
| DBS Group D05 | 74.21 SGD | 40.39 SGD | −46% | vs C2OL34 |
| ICICI Bank Limited ICICIBANK | ₹1,387 | ₹615.63 | −56% | vs C2OL34 |
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Key figures of Bancolombia S.A.
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