BLX
Banco Latinoamericano de Comercio Exterior, S. A.
Banks - Regional
Market Cap$2.05B
5Y Perf.+365.6%
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Stock Comparison
BLX vs CIB
Revenue, margins, valuation, and 5-year total return — side by side.
CIB
Grupo Cibest S.A.
Banks - Regional
Market Cap$15.86B
5Y Perf.+158.5%
BLX vs CIB — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | BLX | CIB |
|---|---|---|
| Industry | Banks - Regional | Banks - Regional |
| Market Cap | $2.05B | $15.86B |
| Revenue (TTM) | $340M | $42.92T |
| Net Income (TTM) | $227M | $7.26T |
| Gross Margin | 93.5% | 61.1% |
| Operating Margin | 66.8% | 20.8% |
| Forward P/E | 8.7x | 0.0x |
| Total Debt | $4.18B | $19.36T |
| Cash & Equiv. | $1.92B | $22.78T |
BLX vs CIB — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
BLX
CIB
| Stock | May 20 | May 26 | Return |
|---|---|---|---|
| Banco Latinoamerica… (BLX) | 100 | 465.6 | +365.6% |
| Grupo Cibest S.A. (CIB) | 100 | 258.5 | +158.5% |
Price return only. Dividends and distributions are not included.
Quick Verdict: BLX vs CIB
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: BLX leads in 4 of 7 categories, making it the strongest pick for valuation and capital efficiency and profitability and margin quality. Grupo Cibest S.A. is the stronger pick specifically for growth and revenue expansion and dividend income and shareholder returns. As sector peers, any of these can serve as alternatives in the same allocation.
BLX
Banco Latinoamericano de Comercio Exterior, S. A.
The Banking Pick
BLX carries the broadest edge in this set and is the clearest fit for long-term compounding and sleep-well-at-night.
- 204.0% 10Y total return vs CIB's 147.5%
- Lower volatility, beta 0.55, current ratio 14.75x
- Better valuation composite
Best for: long-term compounding and sleep-well-at-night
CIB
Grupo Cibest S.A.
The Banking Pick
CIB is the clearest fit if your priority is income & stability and growth exposure.
- Dividend streak 4 yrs, beta 0.69, yield 8.8%
- Rev growth 0.0%, EPS growth 9.2%
- Beta 0.69, yield 8.8%, current ratio 33.73x
Best for: income & stability and growth exposure
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | CIB | 0.0% NII/revenue growth vs BLX's -58.1% |
| Value | BLX | Better valuation composite |
| Quality / Margins | BLX | Efficiency ratio 0.3% vs CIB's 0.4% (lower = leaner) |
| Stability / Safety | BLX | Beta 0.55 vs CIB's 0.69 |
| Dividends | CIB | 8.8% yield, 4-year raise streak, vs BLX's 4.5% |
| Momentum (1Y) | CIB | +65.2% vs BLX's +50.9% |
| Efficiency (ROA) | BLX | Efficiency ratio 0.3% vs CIB's 0.4% |
BLX vs CIB — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
Segment breakdown not available.
FY 2020
BLX vs CIB — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLBLXLAGGINGCIB
CIBGrupo Cibest S.A.
3leads
BLXBanco Latinoamericano…
3leads
6 Total Categories
CATEGORYLEADERvs CIBMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
BLX5/5
Valuation MetricsMultiples, price ratios, and targets
CIB5/7
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
CIB8/9
Total Returns1Y, 3Y, 5Y total returns with dividends
BLX5/6
Risk & VolatilityBeta, volatility, and downside exposure
BLX2/2
Analyst OutlookRatings, price targets, and dividends
CIB2/2
Income & Cash Flow (Last 12 Months)
BLX leads this category, winning 5 of 5 comparable metrics.
Income & Cash Flow (Last 12 Months)
CIB is the larger business by revenue, generating $42.92T annually — 126376.4x BLX's $340M. BLX is the more profitable business, keeping 66.8% of every revenue dollar as net income compared to CIB's 15.8%.
| Metric | BLXBanco Latinoameri… | CIBGrupo Cibest S.A. |
|---|---|---|
| RevenueTrailing 12 months | $340M | $42.92T |
| EBITDAEarnings before interest/tax | $230M | $10.70T |
| Net IncomeAfter-tax profit | $227M | $7.26T |
| Free Cash FlowCash after capex | $1.2B | $10.01T |
| Gross MarginGross profit ÷ Revenue | +93.5% | +61.1% |
| Operating MarginEBIT ÷ Revenue | +66.8% | +20.8% |
| Net MarginNet income ÷ Revenue | +66.8% | +15.8% |
| FCF MarginFCF ÷ Revenue | +109.2% | +23.3% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | +7.1% | -4.0% |
BLX leads this category, winning 5 of 5 comparable metrics.
Valuation Metrics
CIB leads this category, winning 5 of 7 comparable metrics.
Valuation Metrics
At 8.7x trailing earnings, CIB trades at a 3% valuation discount to BLX's 9.0x P/E. Adjusting for growth (PEG ratio), CIB offers better value at 0.20x vs BLX's 0.29x — a lower PEG means you pay less per unit of expected earnings growth.
| Metric | BLXBanco Latinoameri… | CIBGrupo Cibest S.A. |
|---|---|---|
| Market CapShares × price | $2.0B | $15.9B |
| Enterprise ValueMkt cap + debt − cash | $4.3B | $14.9B |
| Trailing P/EPrice ÷ TTM EPS | 8.99x | 8.69x |
| Forward P/EPrice ÷ next-FY EPS est. | 8.68x | 0.00x |
| PEG RatioP/E ÷ EPS growth rate | 0.29x | 0.20x |
| EV / EBITDAEnterprise value multiple | 18.96x | 6.19x |
| Price / SalesMarket cap ÷ Revenue | 6.02x | 1.37x |
| Price / BookPrice ÷ Book value/share | 1.22x | 1.44x |
| Price / FCFMarket cap ÷ FCF | 5.52x | 5.86x |
CIB leads this category, winning 5 of 7 comparable metrics.
Profitability & Efficiency
CIB leads this category, winning 8 of 9 comparable metrics.
Profitability & Efficiency
CIB delivers a 17.2% return on equity — every $100 of shareholder capital generates $17 in annual profit, vs $15 for BLX. CIB carries lower financial leverage with a 0.47x debt-to-equity ratio, signaling a more conservative balance sheet compared to BLX's 2.49x. On the Piotroski fundamental quality scale (0–9), CIB scores 8/9 vs BLX's 7/9, reflecting strong financial health.
| Metric | BLXBanco Latinoameri… | CIBGrupo Cibest S.A. |
|---|---|---|
| ROE (TTM)Return on equity | +14.9% | +17.2% |
| ROA (TTM)Return on assets | +1.8% | +1.9% |
| ROICReturn on invested capital | +2.9% | +9.9% |
| ROCEReturn on capital employed | +2.7% | +3.9% |
| Piotroski ScoreFundamental quality 0–9 | 7 | 8 |
| Debt / EquityFinancial leverage | 2.49x | 0.47x |
| Net DebtTotal debt minus cash | $2.3B | -$3.42T |
| Cash & Equiv.Liquid assets | $1.9B | $22.78T |
| Total DebtShort + long-term debt | $4.2B | $19.36T |
| Interest CoverageEBIT ÷ Interest expense | 0.46x | 0.75x |
CIB leads this category, winning 8 of 9 comparable metrics.
Total Returns (Dividends Reinvested)
BLX leads this category, winning 5 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in BLX five years ago would be worth $41,787 today (with dividends reinvested), compared to $26,997 for CIB. Over the past 12 months, CIB leads with a +65.2% total return vs BLX's +50.9%. The 3-year compound annual growth rate (CAGR) favors BLX at 52.0% vs CIB's 46.0% — a key indicator of consistent wealth creation.
| Metric | BLXBanco Latinoameri… | CIBGrupo Cibest S.A. |
|---|---|---|
| YTD ReturnYear-to-date | +28.5% | +7.7% |
| 1-Year ReturnPast 12 months | +50.9% | +65.2% |
| 3-Year ReturnCumulative with dividends | +250.9% | +211.4% |
| 5-Year ReturnCumulative with dividends | +317.9% | +170.0% |
| 10-Year ReturnCumulative with dividends | +204.0% | +147.5% |
| CAGR (3Y)Annualised 3-year return | +52.0% | +46.0% |
BLX leads this category, winning 5 of 6 comparable metrics.
Risk & Volatility
BLX leads this category, winning 2 of 2 comparable metrics.
Risk & Volatility
BLX is the less volatile stock with a 0.55 beta — it tends to amplify market swings less than CIB's 0.69 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. BLX currently trades 95.1% from its 52-week high vs CIB's 77.4% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | BLXBanco Latinoameri… | CIBGrupo Cibest S.A. |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.55x | 0.69x |
| 52-Week HighHighest price in past year | $57.79 | $86.31 |
| 52-Week LowLowest price in past year | $38.41 | $40.07 |
| % of 52W HighCurrent price vs 52-week peak | +95.1% | +77.4% |
| RSI (14)Momentum oscillator 0–100 | 49.2 | 34.6 |
| Avg Volume (50D)Average daily shares traded | 129K | 427K |
BLX leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
CIB leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
Wall Street rates BLX as "Buy" and CIB as "Buy". For income investors, CIB offers the higher dividend yield at 8.82% vs BLX's 4.50%.
| Metric | BLXBanco Latinoameri… | CIBGrupo Cibest S.A. |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Buy | Buy |
| Price TargetConsensus 12-month target | — | $67.33 |
| # AnalystsCovering analysts | 3 | 15 |
| Dividend YieldAnnual dividend ÷ price | +4.5% | +8.8% |
| Dividend StreakConsecutive years of raises | 2 | 4 |
| Dividend / ShareAnnual DPS | $2.47 | $21806.88 |
| Buyback YieldShare repurchases ÷ mkt cap | 0.0% | +0.7% |
CIB leads this category, winning 2 of 2 comparable metrics.
Key Takeaway
BLX leads in 3 of 6 categories (Income & Cash Flow, Total Returns). CIB leads in 3 (Valuation Metrics, Profitability & Efficiency).
Best OverallBanco Latinoamericano de Co… (BLX)Leads 3 of 6 categories
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BLX vs CIB: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is BLX or CIB a better buy right now?
For growth investors, Grupo Cibest S.
A. (CIB) is the stronger pick with 0. 0% revenue growth year-over-year, versus -58. 1% for Banco Latinoamericano de Comercio Exterior, S. A. (BLX). Grupo Cibest S. A. (CIB) offers the better valuation at 8. 7x trailing P/E (0. 0x forward), making it the more compelling value choice. Analysts rate Banco Latinoamericano de Comercio Exterior, S. A. (BLX) a "Buy" — based on 3 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which has the better valuation — BLX or CIB?
On trailing P/E, Grupo Cibest S.
A. (CIB) is the cheapest at 8. 7x versus Banco Latinoamericano de Comercio Exterior, S. A. at 9. 0x. On forward P/E, Grupo Cibest S. A. is actually cheaper at 0. 0x.
03Which is the better long-term investment — BLX or CIB?
Over the past 5 years, Banco Latinoamericano de Comercio Exterior, S.
A. (BLX) delivered a total return of +317. 9%, compared to +170. 0% for Grupo Cibest S. A. (CIB). Over 10 years, the gap is even starker: BLX returned +204. 0% versus CIB's +147. 5%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — BLX or CIB?
By beta (market sensitivity over 5 years), Banco Latinoamericano de Comercio Exterior, S.
A. (BLX) is the lower-risk stock at 0. 55β versus Grupo Cibest S. A. 's 0. 69β — meaning CIB is approximately 27% more volatile than BLX relative to the S&P 500. On balance sheet safety, Grupo Cibest S. A. (CIB) carries a lower debt/equity ratio of 47% versus 2% for Banco Latinoamericano de Comercio Exterior, S. A. — giving it more financial flexibility in a downturn.
05Which is growing faster — BLX or CIB?
By revenue growth (latest reported year), Grupo Cibest S.
A. (CIB) is pulling ahead at 0. 0% versus -58. 1% for Banco Latinoamericano de Comercio Exterior, S. A. (BLX). On earnings-per-share growth, the picture is similar: Grupo Cibest S. A. grew EPS 9. 2% year-over-year, compared to 9. 1% for Banco Latinoamericano de Comercio Exterior, S. A.. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.
06Which has better profit margins — BLX or CIB?
Banco Latinoamericano de Comercio Exterior, S.
A. (BLX) is the more profitable company, earning 66. 8% net margin versus 15. 8% for Grupo Cibest S. A. — meaning it keeps 66. 8% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: BLX leads at 66. 8% versus 20. 8% for CIB. At the gross margin level — before operating expenses — BLX leads at 93. 5%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
07Is BLX or CIB more undervalued right now?
On forward earnings alone, Grupo Cibest S.
A. (CIB) trades at 0. 0x forward P/E versus 8. 7x for Banco Latinoamericano de Comercio Exterior, S. A. — 8. 7x cheaper on a one-year earnings basis.
08Which pays a better dividend — BLX or CIB?
All stocks in this comparison pay dividends.
Grupo Cibest S. A. (CIB) offers the highest yield at 8. 8%, versus 4. 5% for Banco Latinoamericano de Comercio Exterior, S. A. (BLX).
09Is BLX or CIB better for a retirement portfolio?
For long-horizon retirement investors, Banco Latinoamericano de Comercio Exterior, S.
A. (BLX) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0. 55), 4. 5% yield, +204. 0% 10Y return). Both have compounded well over 10 years (BLX: +204. 0%, CIB: +147. 5%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
10What are the main differences between BLX and CIB?
Both stocks operate in the Financial Services sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.
These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
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Revenue Growth>
%
(BLX: -58.1% · CIB: 0.0%)Net Margin>
%
(BLX: 66.8% · CIB: 15.8%)P/E Ratio<
x
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