CIB
Grupo Cibest S.A.
Banks - Regional
Market Cap$15.86B
5Y Perf.+158.5%
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Stock Comparison
CIB vs BBAR
Revenue, margins, valuation, and 5-year total return — side by side.
BBAR
Banco BBVA Argentina S.A.
Banks - Regional
Market Cap$3.19B
5Y Perf.+392.7%
CIB vs BBAR — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | CIB | BBAR |
|---|---|---|
| Industry | Banks - Regional | Banks - Regional |
| Market Cap | $15.86B | $3.19B |
| Revenue (TTM) | $42.92T | $5.20T |
| Net Income (TTM) | $7.26T | $258.90B |
| Gross Margin | 61.1% | 65.9% |
| Operating Margin | 20.8% | 8.5% |
| Forward P/E | 0.0x | 0.0x |
| Total Debt | $19.36T | $349.00B |
| Cash & Equiv. | $22.78T | $2.82T |
CIB vs BBAR — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
CIB
BBAR
| Stock | May 20 | May 26 | Return |
|---|---|---|---|
| Grupo Cibest S.A. (CIB) | 100 | 258.5 | +158.5% |
| Banco BBVA Argentin… (BBAR) | 100 | 492.7 | +392.7% |
Price return only. Dividends and distributions are not included.
Quick Verdict: CIB vs BBAR
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: CIB leads in 7 of 7 categories, making it the strongest pick for growth and revenue expansion and valuation and capital efficiency. As sector peers, any of these can serve as alternatives in the same allocation.
CIB
Grupo Cibest S.A.
The Banking Pick
CIB carries the broadest edge in this set and is the clearest fit for income & stability and growth exposure.
- Dividend streak 4 yrs, beta 0.69, yield 8.8%
- Rev growth 0.0%, EPS growth 9.2%
- 147.5% 10Y total return vs BBAR's -7.3%
Best for: income & stability and growth exposure
BBAR
Banco BBVA Argentina S.A.
The Banking Pick
BBAR is the clearest fit if your priority is bank quality.
- NIM 20.3% vs CIB's 5.1%
Best for: bank quality
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | CIB | 0.0% NII/revenue growth vs BBAR's -31.1% |
| Value | CIB | Lower P/E (0.0x vs 0.0x) |
| Quality / Margins | CIB | Efficiency ratio 0.4% vs BBAR's 0.6% (lower = leaner) |
| Stability / Safety | CIB | Beta 0.69 vs BBAR's 2.02 |
| Dividends | CIB | 8.8% yield, 4-year raise streak, vs BBAR's 2.0% |
| Momentum (1Y) | CIB | +65.2% vs BBAR's -19.0% |
| Efficiency (ROA) | CIB | Efficiency ratio 0.4% vs BBAR's 0.6% |
CIB vs BBAR — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
FY 2020
Segment breakdown not available.
CIB vs BBAR — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLCIBLAGGINGBBAR
BBARBanco BBVA Argentina …
0leads
CIBGrupo Cibest S.A.
5leads
6 Total Categories
CATEGORYLEADERvs BBARMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
CIB4/5
Valuation MetricsMultiples, price ratios, and targets
CIB4/6
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
CIB5/9
Total Returns1Y, 3Y, 5Y total returns with dividends
Tied
—
Risk & VolatilityBeta, volatility, and downside exposure
CIB2/2
Analyst OutlookRatings, price targets, and dividends
CIB2/2
Income & Cash Flow (Last 12 Months)
CIB leads this category, winning 4 of 5 comparable metrics.
Income & Cash Flow (Last 12 Months)
CIB is the larger business by revenue, generating $42.92T annually — 8.3x BBAR's $5.20T. CIB is the more profitable business, keeping 15.8% of every revenue dollar as net income compared to BBAR's 6.9%.
| Metric | CIBGrupo Cibest S.A. | BBARBanco BBVA Argent… |
|---|---|---|
| RevenueTrailing 12 months | $42.92T | $5.20T |
| EBITDAEarnings before interest/tax | $10.70T | $421.5B |
| Net IncomeAfter-tax profit | $7.26T | $258.9B |
| Free Cash FlowCash after capex | $10.01T | -$3.96T |
| Gross MarginGross profit ÷ Revenue | +61.1% | +65.9% |
| Operating MarginEBIT ÷ Revenue | +20.8% | +8.5% |
| Net MarginNet income ÷ Revenue | +15.8% | +6.9% |
| FCF MarginFCF ÷ Revenue | +23.3% | -102.7% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | -4.0% | -64.8% |
CIB leads this category, winning 4 of 5 comparable metrics.
Valuation Metrics
CIB leads this category, winning 4 of 6 comparable metrics.
Valuation Metrics
At 8.7x trailing earnings, CIB trades at a 31% valuation discount to BBAR's 12.6x P/E. Adjusting for growth (PEG ratio), CIB offers better value at 0.20x vs BBAR's 0.20x — a lower PEG means you pay less per unit of expected earnings growth.
| Metric | CIBGrupo Cibest S.A. | BBARBanco BBVA Argent… |
|---|---|---|
| Market CapShares × price | $15.9B | $3.2B |
| Enterprise ValueMkt cap + debt − cash | $14.9B | $1.4B |
| Trailing P/EPrice ÷ TTM EPS | 8.69x | 12.59x |
| Forward P/EPrice ÷ next-FY EPS est. | 0.00x | 0.01x |
| PEG RatioP/E ÷ EPS growth rate | 0.20x | 0.20x |
| EV / EBITDAEnterprise value multiple | 6.19x | 3.79x |
| Price / SalesMarket cap ÷ Revenue | 1.37x | 0.85x |
| Price / BookPrice ÷ Book value/share | 1.44x | 1.70x |
| Price / FCFMarket cap ÷ FCF | 5.86x | — |
CIB leads this category, winning 4 of 6 comparable metrics.
Profitability & Efficiency
CIB leads this category, winning 5 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 $9 for BBAR. BBAR carries lower financial leverage with a 0.13x debt-to-equity ratio, signaling a more conservative balance sheet compared to CIB's 0.47x. On the Piotroski fundamental quality scale (0–9), CIB scores 8/9 vs BBAR's 4/9, reflecting strong financial health.
| Metric | CIBGrupo Cibest S.A. | BBARBanco BBVA Argent… |
|---|---|---|
| ROE (TTM)Return on equity | +17.2% | +9.1% |
| ROA (TTM)Return on assets | +1.9% | +1.4% |
| ROICReturn on invested capital | +9.9% | +10.7% |
| ROCEReturn on capital employed | +3.9% | +8.7% |
| Piotroski ScoreFundamental quality 0–9 | 8 | 4 |
| Debt / EquityFinancial leverage | 0.47x | 0.13x |
| Net DebtTotal debt minus cash | -$3.42T | -$2.47T |
| Cash & Equiv.Liquid assets | $22.78T | $2.82T |
| Total DebtShort + long-term debt | $19.36T | $349.0B |
| Interest CoverageEBIT ÷ Interest expense | 0.75x | 0.16x |
CIB leads this category, winning 5 of 9 comparable metrics.
Total Returns (Dividends Reinvested)
Evenly matched — CIB and BBAR each lead in 3 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in BBAR five years ago would be worth $68,265 today (with dividends reinvested), compared to $26,997 for CIB. Over the past 12 months, CIB leads with a +65.2% total return vs BBAR's -19.0%. The 3-year compound annual growth rate (CAGR) favors BBAR at 61.2% vs CIB's 46.0% — a key indicator of consistent wealth creation.
| Metric | CIBGrupo Cibest S.A. | BBARBanco BBVA Argent… |
|---|---|---|
| YTD ReturnYear-to-date | +7.7% | -12.2% |
| 1-Year ReturnPast 12 months | +65.2% | -19.0% |
| 3-Year ReturnCumulative with dividends | +211.4% | +318.7% |
| 5-Year ReturnCumulative with dividends | +170.0% | +582.7% |
| 10-Year ReturnCumulative with dividends | +147.5% | -7.3% |
| CAGR (3Y)Annualised 3-year return | +46.0% | +61.2% |
Evenly matched — CIB and BBAR each lead in 3 of 6 comparable metrics.
Risk & Volatility
CIB leads this category, winning 2 of 2 comparable metrics.
Risk & Volatility
CIB is the less volatile stock with a 0.69 beta — it tends to amplify market swings less than BBAR's 2.02 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. CIB currently trades 77.4% from its 52-week high vs BBAR's 67.6% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | CIBGrupo Cibest S.A. | BBARBanco BBVA Argent… |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.69x | 2.02x |
| 52-Week HighHighest price in past year | $86.31 | $23.10 |
| 52-Week LowLowest price in past year | $40.07 | $7.76 |
| % of 52W HighCurrent price vs 52-week peak | +77.4% | +67.6% |
| RSI (14)Momentum oscillator 0–100 | 34.6 | 44.6 |
| Avg Volume (50D)Average daily shares traded | 427K | 667K |
CIB 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 CIB as "Buy" and BBAR as "Buy". Consensus price targets imply 2.4% upside for BBAR (target: $16) vs 0.7% for CIB (target: $67). For income investors, CIB offers the higher dividend yield at 8.82% vs BBAR's 2.04%.
| Metric | CIBGrupo Cibest S.A. | BBARBanco BBVA Argent… |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Buy | Buy |
| Price TargetConsensus 12-month target | $67.33 | $16.00 |
| # AnalystsCovering analysts | 15 | 3 |
| Dividend YieldAnnual dividend ÷ price | +8.8% | +2.0% |
| Dividend StreakConsecutive years of raises | 4 | 1 |
| Dividend / ShareAnnual DPS | $21806.88 | $443.65 |
| Buyback YieldShare repurchases ÷ mkt cap | +0.7% | 0.0% |
CIB leads this category, winning 2 of 2 comparable metrics.
Key Takeaway
CIB leads in 5 of 6 categories — strongest in Income & Cash Flow and Valuation Metrics. 1 category is tied.
Best OverallGrupo Cibest S.A. (CIB)Leads 5 of 6 categories
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CIB vs BBAR: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is CIB or BBAR 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 -31. 1% for Banco BBVA Argentina S. A. (BBAR). 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 Grupo Cibest S. A. (CIB) a "Buy" — based on 15 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 — CIB or BBAR?
On trailing P/E, Grupo Cibest S.
A. (CIB) is the cheapest at 8. 7x versus Banco BBVA Argentina S. A. at 12. 6x. On forward P/E, Grupo Cibest S. A. is actually cheaper at 0. 0x.
03Which is the better long-term investment — CIB or BBAR?
Over the past 5 years, Banco BBVA Argentina S.
A. (BBAR) delivered a total return of +582. 7%, compared to +170. 0% for Grupo Cibest S. A. (CIB). Over 10 years, the gap is even starker: CIB returned +147. 5% versus BBAR's -7. 3%. 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 — CIB or BBAR?
By beta (market sensitivity over 5 years), Grupo Cibest S.
A. (CIB) is the lower-risk stock at 0. 69β versus Banco BBVA Argentina S. A. 's 2. 02β — meaning BBAR is approximately 191% more volatile than CIB relative to the S&P 500. On balance sheet safety, Banco BBVA Argentina S. A. (BBAR) carries a lower debt/equity ratio of 13% versus 47% for Grupo Cibest S. A. — giving it more financial flexibility in a downturn.
05Which is growing faster — CIB or BBAR?
By revenue growth (latest reported year), Grupo Cibest S.
A. (CIB) is pulling ahead at 0. 0% versus -31. 1% for Banco BBVA Argentina S. A. (BBAR). On earnings-per-share growth, the picture is similar: Grupo Cibest S. A. grew EPS 9. 2% year-over-year, compared to -1. 4% for Banco BBVA Argentina 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 — CIB or BBAR?
Grupo Cibest S.
A. (CIB) is the more profitable company, earning 15. 8% net margin versus 6. 9% for Banco BBVA Argentina S. A. — meaning it keeps 15. 8% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: CIB leads at 20. 8% versus 8. 5% for BBAR. At the gross margin level — before operating expenses — BBAR leads at 65. 9%, 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 CIB or BBAR more undervalued right now?
On forward earnings alone, Grupo Cibest S.
A. (CIB) trades at 0. 0x forward P/E versus 0. 0x for Banco BBVA Argentina S. A. — 0. 0x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for BBAR: 2. 4% to $16. 00.
08Which pays a better dividend — CIB or BBAR?
All stocks in this comparison pay dividends.
Grupo Cibest S. A. (CIB) offers the highest yield at 8. 8%, versus 2. 0% for Banco BBVA Argentina S. A. (BBAR).
09Is CIB or BBAR better for a retirement portfolio?
For long-horizon retirement investors, Grupo Cibest S.
A. (CIB) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0. 69), 8. 8% yield, +147. 5% 10Y return). Banco BBVA Argentina S. A. (BBAR) carries a higher beta of 2. 02 — meaning larger drawdowns in market downturns, which matters significantly when you cannot wait years for a recovery. Both have compounded well over 10 years (CIB: +147. 5%, BBAR: -7. 3%), 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 CIB and BBAR?
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>
%
(CIB: 0.0% · BBAR: -31.1%)Net Margin>
%
(CIB: 15.8% · BBAR: 6.9%)P/E Ratio<
x
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