Grupo Cibest S.A (CIB) Fair Value & Analysis
Financial Services · US · Market cap $19.0B
Grupo Cibest S.A
CIB · US
Fair value as of: Jul 5, 2026
From 4 valuation models · updated 36 days ago
Fair value updated Jul 5, 2026, revised from $157.78 to $110.29 (−30.1%) since Jun 26, 2026. Share price +11.0% over the past month.
A solid business, screening 24% undervalued on our models.
What matters now
- Solid quality (63/100) at a price below fair value, the discount is the argument here, not the business quality.
- For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 5, 2026.
How to read this chart
60‑month range $13.83 – $93.89 · fair‑value band $82.72 – $137.87 · the $88.85 price screens below the $110.29 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Jul 5, 2026.
Analysis
Grupo Cibest S.A (CIB) currently trades at $88.85, while our model-based Fair Value estimate is $110.29, implying the stock looks roughly 24.1% undervalued today. The Quality Score stands at 63/100 (solid quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high), always confirm before acting.
Over the trailing twelve months, Grupo Cibest S.A generated revenue of $24.7T at a net margin of 14.7%. Revenue grew 10.8% year over year. It earns a return on equity of 16.9%. The balance sheet holds a net cash position of $3.4T. Fundamentals as of Jul 5, 2026
Our scenario range runs from $82.72 (bear case) to $137.87 (bull case); at $88.85, the current price sits within that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades near its 52-week high and 113% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at 42% fair-value upside, at 24%, CIB screens richer than that median.
Fair Value models
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.
All 4 models by family
Widest divergence: Economic Profit ($246,952) versus Asset-Based ($111,653). Highest evidence: P/E Multiple (63).
Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Jul 5, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 59 · Market factors (momentum, volatility) 85
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
About the company
Grupo Cibest S.A., together with its subsidiaries, provides various banking products and services in Colombia and internationally.
Full company description
Grupo Cibest S.A., together with its subsidiaries, provides various banking products and services in Colombia and internationally. 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.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
Grupo Cibest S.A reported revenue of $42.9T in FY2025 versus $21.7T in FY2021, a compound +18.6%/yr. Reported net income was $6.8T in FY2025, compounding +13.5%/yr from FY2021.
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Recent news
External third-party headlines (Yahoo Finance, Reuters and others), not an editorial selection.
- CIB or ITT: Which Is the Better Value Stock Right Now?
- CIB vs. ITT: Which Stock Is the Better Value Option?
Peer Group
Banks - Regional · 1083 stocks
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.
Valuation Multiples vs Banks - Regional median · lower = cheaper
Snowflake
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.
Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate (as of Jul 5, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| PT Bank Central Asia Tbk BBCA | 6,175 IDR | 6,087 IDR | -1% |
| KB Financial Group 105560 | 184,400 KRW | 213,797 KRW | +16% |
| PT Bank Rakyat Indonesia (Persero) Tbk BBRI | 2,970 IDR | 4,891 IDR | +65% |
| PT Bank Mandiri (Persero) Tbk BMRI | 4,310 IDR | 7,841 IDR | +82% |
| Banco Bradesco S.A BBD | 5,120 ARS | 10,240 ARS | +100% |
| Shinhan Financial Group 055550 | 107,900 KRW | 137,259 KRW | +27% |
| Hana Financial Group 086790 | 136,800 KRW | 193,969 KRW | +42% |
| Lloyds Banking Group LYG | 4,138 ARS | 8,275 ARS | +100% |
| Banco de Chile, CHILE | 193.10 CLP | 152.55 CLP | -21% |
| Joint Stock Commercial Bank for Foreign Trade of Vietnam, VCB | 59,400 VND | 84,201 VND | +42% |
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Frequently asked questions
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.
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