Grupo Cibest S.A. (CIB) fair value: what the stock is really worth
As of Sep 23, 2026: fair value of Grupo Cibest S.A. $86.50, price $95.65, upside -9.6%, quality 63 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 23, 2026.
How to read this chart
60‑month range $13.83 – $103.26 · fair‑value band $64.88 – $108.13 · the $95.65 price screens above the $86.50 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 23, 2026.
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Grupo Cibest S.A., together with its subsidiaries, provides various banking products and services in Colombia and internationally.
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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.
Stock analysis
Grupo Cibest S.A. (CIB) currently trades at $95.65, while our model-based Fair Value estimate is $86.50, implying the stock looks roughly 10.6% fairly valued today.
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Valuation
How firm this estimate is: it rests on 26 models at a data quality of 94/100, which puts the evidence level at high.
Scenario range: $64.88 (bear) to $108.13 (bull), the price of $95.65 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 63/100 (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 $22.8B · P/E ratio 10.3 · P/S ratio 1.63 · EPS (TTM) $7.73 · Dividend yield 6.2% · Net margin 15.8% · Return on equity 16.9% · Return on assets (EBIT) 2.4%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 48 out of 100 (low confidence).
What moves the price
The share trades about 7% below its 52-week high and 90% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −38% fair-value upside, at −10%, CIB screens cheaper than that median.
Fair Value models
Bear $64.88Fair Value $86.50Bull $108.13
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2025 figures (about 9 months old). Earnings retained since then ($5.65 per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target.Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.100/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+0.0%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+9.5%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+14.7%
Start year 2020 (pandemic). Over 10 years: +11.2% a year
Revenue growth 27 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+12.5%
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What shareholders gained per year (last 5 years), in COP ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Measured in COP: this currency has depreciated against the euro and dollar over the long run, so part of the nominal rate is currency erosion that never reaches a EUR/USD investor.
+23.2%
Earnings growth per share plus dividend.
Earnings per share, growth per year+17.0%
Dividend (yield on the price)6.2%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.17% vs −4%, picking up
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.1% → 21%
Start year 2020 (pandemic)
⚠ Revenue per share shrinking 1.2%/yr over ~10Y (margins intact) ⓘStructural-decline marker: revenue PER SHARE has fallen over the last decade (robust median trend, not a single year). Backtested across 2005 to 2017, such businesses trailed the market by about 2.5 percentage points per year. Display only: it does not change the fair value or the quality score.
Growth Forecast
Little optimism in the price
The price assumes less growth than the company has delivered so far and less than analysts expect.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
−11.4%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect ⓘAnalysts publish sales forecasts for the next two fiscal years. For the years after that, growth slows evenly to 2 % a year by year ten (2 % is the long-run rate our models use). Projected years are marked as such.
−1.2%
Yearly sales growth analysts expect, extended to five years.
After inflation (figures in COP, Colombia: IMF forecast 4.1% a year to 2030, 5.8% from 2016 to 2025) that is about −14.9% a year for the price and −5.1% for the forecasts.
News mood ⓘNews mood, the average tone of recent news (80 articles), rated against how stocks are usually covered. 🚀 Hype = unusually upbeat · 🙂 Positive = above average · 😐 Neutral = typical · 🙁 Negative = below average · 😨 Very negative = unusually downbeat. It reflects the tone of coverage, not our valuation.Hype
Recent news coverage is unusually upbeat, far more positive than stocks are typically covered.
Price, fair value, quality and upside side by side.
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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 · 1074 stocks
Beats the industry median on 11/15 measures
Overall it ranks above its industry peers.
Valuation
Quality Score63 · Top 25%
Fair Value upside−10% · Above median
Profitability
Return on equity (TTM)17% · Top 25%
Return on assets2% · Top 25%
Net margin (TTM)15% · Bottom 25%
Operating margin (TTM)0% · Bottom 25%
Growth and dividend
Revenue growth11% · Above median
Dividend yield (TTM)6.2% · Top 25%
Balance sheet
Debt / equity0.42× · Above median
Valuation Multiplesvs Banks - Regional median · lower = cheaper
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Is Grupo Cibest S.A. (CIB) overvalued or undervalued?
As of Sep 23, 2026, our model estimates a fair value of $86.50 versus a price of $95.65, about −10% upside (fairly valued).
What is the fair value of CIB?
Our model-based fair value for Grupo Cibest S.A. is $86.50 (as of Sep 23, 2026), built from audited fundamentals. The current price: $95.65.
What is the quality score of CIB?
Grupo Cibest S.A. has a Quality Score of 63/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Grupo Cibest S.A. (CIB)?
Our model-based price target is the fair value of $86.50 (as of Sep 23, 2026) from 4 valuation models. Cautious scenario $64.88, optimistic scenario $108.13. It is a calculation from audited fundamentals, not an analyst target.
What is the Grupo Cibest S.A. stock forecast for 2026?
Our models put fair value at $86.50, about −10% upside versus a price of $95.65 (fairly valued). Cautious scenario $64.88, optimistic scenario $108.13. The calculation is refreshed regularly with new filings.
What is the revenue of Grupo Cibest S.A. (CIB)?
Grupo Cibest S.A. reported trailing-twelve-month revenue of about 24.7T COP (latest available figure, as of Sep 23, 2026).
Does Grupo Cibest S.A. pay a dividend?
Grupo Cibest S.A. currently shows a dividend yield of about 6.15% relative to its recent price (as of Sep 23, 2026).
What growth is priced into Grupo Cibest S.A. (CIB)?
For today's price to be fair in a discounted-cash-flow model, Grupo Cibest S.A. would have to grow free cash flow by -11.4 % per year for five years (discount rate 8.1 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +14.7 % per year. As of Sep 23, 2026.
What discount rate (WACC) does the fair value of CIB use?
Our models discount Grupo Cibest S.A. at 8.1 %: a base by market capitalisation (large), damped by beta 0.47, country premium for USA. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For Grupo Cibest S.A. that is -11.4 % per year a year over ten years, using the same discount rate (8.1 %) and the same formula as our fair value.
How much growth has Grupo Cibest S.A. (CIB) delivered so far?
Over the past 5 years revenue at Grupo Cibest S.A. grew +14.7 % a year. The price currently implies -11.4 % per year free-cash-flow growth a year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of Grupo Cibest S.A. (CIB) growing?
The median revenue growth in the sector is +8.4 % a year. That is the yardstick for the growth priced into Grupo Cibest S.A. (-11.4 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of Grupo Cibest S.A. (CIB)?
The free-cash-flow yield on the price is 13.43 %: that much free cash flow Grupo Cibest S.A. produces per unit of market value. When it exceeds the discount rate of our models (8.1 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Grupo Cibest S.A. (CIB)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Grupo Cibest S.A. it is $86.50 per share (as of Sep 23, 2026), against a price of $95.65. It is the blended result of 4 valuation models (cash flow, earnings, asset, dividend).
Is Grupo Cibest S.A. stock overvalued or undervalued in 2026?
As of Sep 23, 2026, CIB trades above its calculated fair value: price $95.65, fair value $86.50, a gap of about −10% (fairly valued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of CIB?
No. The price is what the market pays today ($95.65); the fair value is what the company's own numbers justify ($86.50). For Grupo Cibest S.A. the two are $9.15 per share apart. That gap is exactly why we show both numbers side by side.
How much is Grupo Cibest S.A. worth?
The market values Grupo Cibest S.A. at about $22.8B (market capitalisation, as of Sep 23, 2026). Per share that is $95.65; our models calculate a fair value of $86.50 per share.
What do the bullish and bearish scenarios say about CIB?
Our models span a range for Grupo Cibest S.A.: cautious scenario $64.88, base $86.50, optimistic $108.13 per share (as of Sep 23, 2026, price $95.65). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of CIB?
Grupo Cibest S.A. trades at a price-to-earnings ratio of 10.3 (as of Sep 23, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $86.50 is built from several models across several years. Other multiples: PEG 0.4, P/B 1.9, P/S 3.1, EV/EBITDA 7.0.
What is the PEG ratio of CIB?
The PEG ratio of Grupo Cibest S.A. is 0.43 (P/E divided by earnings growth, as of Sep 23, 2026). That is below 1, so growth is priced more cheaply than the earnings multiple alone suggests.
How solid is the balance sheet of Grupo Cibest S.A. (CIB)?
Balance-sheet figures for Grupo Cibest S.A. (as of Sep 23, 2026): return on equity 16.9%, debt of 0.42 per unit of equity. They feed the Quality Score of 63/100, which measures business quality independently of the share price.
How far is CIB from its 52-week high?
Grupo Cibest S.A. trades at $95.65, about 7% below its 52-week high of $103.26 and 90% above the low of $50.46 (as of Sep 23, 2026). Distance from the high says nothing about value: that is what the fair value of $86.50 is for.
Which stocks are comparable to Grupo Cibest S.A.?
From the same area (Financial Services) we also value DBS Group, China Merchants Bank Co, Intesa Sanpaolo S.p.A, HDFC Bank Limited, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Grupo Cibest S.A. stock attractive at the current price?
The data as of Sep 23, 2026: price $95.65, calculated fair value $86.50 (−10%), Quality Score 63/100, from 4 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of CIB calculated?
We run Grupo Cibest S.A. through 4 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $86.50, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.1 % above its aggregate fair value. Grupo Cibest S.A. itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Grupo Cibest S.A. (CIB)?
The closing price on Sep 23, 2026 was $95.65. Our model-based fair value is $86.50, about −10% upside (fairly valued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Grupo Cibest S.A. right now?
The price sits close to our fair value, market and models broadly agree here, little valuation tension. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Where does the earnings growth of Grupo Cibest S.A. (CIB) come from?
Earnings per share at Grupo Cibest S.A. grew −5.2 % a year from 2014 to 2025. Broken into its drivers: revenue per share −3.8 %, EBIT margin −1.3 %, tax rate −0.3 %, residual (interest, one-offs) +0.1 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.
Key figures of Grupo Cibest S.A.
How large is the market capitalisation of Grupo Cibest S.A. (CIB)?
The market capitalisation of Grupo Cibest S.A. is $22.8B. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Grupo Cibest S.A. (CIB)?
The price-to-sales ratio of Grupo Cibest S.A. is 1.63 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Grupo Cibest S.A. (CIB)?
Earnings per share at Grupo Cibest S.A. are $7.73 (price ÷ EPS = P/E 10.3). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Grupo Cibest S.A. (CIB)?
The dividend yield of Grupo Cibest S.A. is 6.2% (payout 76.1%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Grupo Cibest S.A. (CIB)?
The net margin of Grupo Cibest S.A. is 15.8% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Grupo Cibest S.A. (CIB)?
The return on equity (ROE) of Grupo Cibest S.A. is 16.9% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Grupo Cibest S.A. (CIB)?
On an EBIT basis the return on assets of Grupo Cibest S.A. is 2.4% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
How fast is revenue growing at Grupo Cibest S.A. (CIB)?
Revenue at Grupo Cibest S.A. is growing +10.8% versus a year earlier (3y avg +9.5%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Grupo Cibest S.A. (CIB)?
Earnings per share at Grupo Cibest S.A. are growing −15.0% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net cash does Grupo Cibest S.A. (CIB) hold?
Grupo Cibest S.A. holds more cash than debt, 3.4T COP net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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Broad data
Sep 23, 2026