| Name | Market Cap | Current Price | P/E Ratio | Revenue Growth 1Y | Net Margin | ROE | FCF Yield | Debt/Equity |
|---|---|---|---|---|---|---|---|---|
| FBPFirst BanCorp. | 3.39B | 21.44 | 11.85 | 6.16% | 25.04% | 16.62% | 11.64% | 0.34 |
| OFGOFG Bancorp | 1.84B | 41.92 | 9.91 | 13% | 24.09% | 14.59% | 11.44% | 0.34 |
| BSBRBanco Santander (Brasil) S.A. | 46.17B | 6.18 | 7.10 | 6.31% | 10.36% | 7.84% | 1.13 | |
| BAPCredicorp Ltd. | 25.3B | 318.78 | 4.61 | 6.4% | 20.38% | 17.35% | 53.01% | 1.07 |
| IFSIntercorp Financial Services Inc. | 5.01B | 45.00 | 3.95 | 0.75% | 14.68% | 16.41% | 1.08 | |
| INTRInter & Co, Inc. | 2.63B | 8.15 | 3.94 | 27.12% | 9.34% | 12.37% | 100% | 1.31 |
| BBDBanco Bradesco S.A. | 18.54B | 3.51 | 2.15 | -2% | 6.91% | 12.1% | 4.08 | |
| ITUBItaú Unibanco Holding S.A. | 40.24B | 7.44 | 1.97 | 6.27% | 12.61% | 19.74% | 4.09 |
| Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 7T | 9.15T | 9.94T | 10.06T | 10.68T | 10.61T | 11.31T | 16.99T | 19.8T | 18.76T |
| NII Growth % | 0.28% | 0.31% | 0.09% | 0.01% | 0.06% | -0.01% | 0.07% | 0.5% | 0.17% | -0.05% |
| Net Interest Margin % | - | - | - | - | - | - | - | - | - | - |
| Interest Income | 11.04T | 15.21T | 16.17T | 15.73T | 16.86T | 16.47T | 15.67T | 25.43T | 36.47T | 33.79T |
| Interest Expense | 4.04T | 6.05T | 6.23T | 5.67T | 6.18T | 5.86T | 4.35T | 8.44T | 16.67T | 15.02T |
| Loan Loss Provision | 1.68T | 2.73T | 3.46T | 3.84T | 3.41T | 7.53T | 2.42T | 3.79T | -16.67T | -15.02T |
| Non-Interest Income | 3.79T | 4.37T | 4.66T | 4.42T | 5.04T | 5.11T | 6.02T | 7.25T | -15.59T | -11.6T |
| Non-Interest Income % | - | - | - | - | - | - | - | - | - | - |
| Total Revenue | 14.83T | 19.57T | 20.83T | 20.15T | 21.9T | 21.58T | 21.69T | 32.69T | 20.88T | 22.18T |
| Revenue Growth % | 0.21% | 0.32% | 0.06% | -0.03% | 0.09% | -0.01% | 0% | 0.51% | -0.36% | 0.06% |
| Non-Interest Expense | 5.88T | 6.82T | 7.15T | 7.02T | 7.83T | 7.88T | 8.93T | 10.71T | 10.6T | 11.18T |
| Efficiency Ratio | - | - | - | - | - | - | - | - | - | - |
| Operating Income | 3.24T | 3.97T | 3.99T | 3.62T | 4.48T | 308.77B | 5.98T | 9.74T | 10.27T | 11.01T |
| Operating Margin % | - | - | - | - | - | - | - | - | - | - |
| Operating Income Growth % | 0.04% | 0.23% | 0.01% | -0.09% | 0.24% | -0.93% | 18.38% | 0.63% | 0.05% | 0.07% |
| Pretax Income | 3.24T | 3.97T | 3.99T | 3.62T | 4.48T | 308.77B | 5.98T | 9.74T | 8.15T | 8.76T |
| Pretax Margin % | - | - | - | - | - | - | - | - | - | - |
| Income Tax | 649.25B | 1.18T | 1.24T | 829.43B | 1.26T | -6.59B | 1.78T | 2.75T | 1.93T | 2.39T |
| Effective Tax Rate % | - | - | - | - | - | - | - | - | - | - |
| Net Income | 2.52T | 2.87T | 2.62T | 2.66T | 3.12T | 275.99B | 4.09T | 6.78T | 6.12T | 6.27T |
| Net Margin % | - | - | - | - | - | - | - | - | - | - |
| Net Income Growth % | 0.06% | 0.14% | -0.09% | 0.02% | 0.17% | -0.91% | 13.81% | 0.66% | -0.1% | 0.02% |
| Net Income (Continuing) | 2.59T | 2.79T | 2.75T | 2.79T | 3.21T | 315.36B | 4.21T | 7T | 6.21T | 6.37T |
| EPS (Diluted) | 42880.00 | 48640.00 | 44480.00 | 44228.00 | 51856.00 | 4591.16 | 16995.00 | 28210.00 | 25438.84 | 26066.00 |
| EPS Growth % | 0.37% | 0.13% | -0.09% | -0.01% | 0.17% | -0.91% | 2.7% | 0.66% | -0.1% | 0.02% |
| EPS (Basic) | 42880.00 | 48640.00 | 44480.00 | 44228.00 | 51856.00 | 4591.16 | 16995.00 | 28210.00 | 25438.84 | 26066.00 |
| Diluted Shares Outstanding | 60.11M | 60.11M | 60.11M | 60.11M | 60.11M | 60.11M | 60.11M | 240.46M | 240.46M | 240.46M |
| Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Short Term Investments | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K |
| Cash & Due from Banks | 15.68T | 17.82T | 17.28T | 17.8T | 20.72T | 23.38T | 24.54T | 28.77T | 31.96T | 27.12T |
| Short Term Investments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1000K | 1000K |
| Total Investments | 139.48T | 140.45T | 149.99T | 162.8T | 168.78T | 188.09T | 216.31T | 264.25T | 247.45T | 281.73T |
| Investments Growth % | 0.38% | 0.01% | 0.07% | 0.09% | 0.04% | 0.11% | 0.15% | 0.22% | -0.06% | 0.14% |
| Long-Term Investments | 139.48T | 140.45T | 149.99T | 162.8T | 168.78T | 188.09T | 216.31T | 264.25T | 243.28T | 278.79T |
| Accounts Receivables | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K |
| Goodwill & Intangibles | - | - | - | - | - | - | - | - | - | - |
| Goodwill | 6.48T | 6.13T | 6.1T | 6.64T | 6.69T | 7.01T | 8.14T | 9.84T | 7.82T | 9.02T |
| Intangible Assets | 607.59B | 563.94B | 535.47B | 563.45B | 538.96B | 495.61B | 485.63B | 602.53B | 671.57B | 750.48B |
| PP&E (Net) | 3.09T | 3.15T | 3.17T | 3.42T | 5.59T | 6.04T | 6.91T | 8.73T | 8.36T | 7.84T |
| Other Assets | 4.96T | 4.75T | 2.92T | 3.34T | 6.11T | 4.26T | 5.25T | 8.76T | 15.16T | 13.61T |
| Total Current Assets | 38.18T | 40.99T | 41.05T | 43.05T | 47.97T | 49T | 52.01T | 59.87T | 66.96T | 61.44T |
| Total Non-Current Assets | 154.79T | 155.27T | 162.86T | 177.03T | 188.12T | 206.57T | 237.84T | 292.94T | 275.97T | 310.78T |
| Total Assets | 192.97T | 196.26T | 203.91T | 220.08T | 236.09T | 255.57T | 289.86T | 352.81T | 342.93T | 372.22T |
| Asset Growth % | 0.29% | 0.02% | 0.04% | 0.08% | 0.07% | 0.08% | 0.13% | 0.22% | -0.03% | 0.09% |
| Return on Assets (ROA) | 0.01% | 0.01% | 0.01% | 0.01% | 0.01% | 0% | 0.01% | 0.02% | 0.02% | 0.02% |
| Accounts Payable | 891B | 1.29T | 1.25T | 1.39T | 1.5T | 1.12T | 1.44T | 2.33T | 1.65T | 1.84T |
| Total Debt | 40.39T | 39.53T | 36.71T | 38.94T | 37.03T | 34.36T | 31.46T | 41.17T | 32.56T | 29.91T |
| Net Debt | 24.71T | 21.71T | 19.42T | 21.14T | 16.3T | 10.98T | 6.93T | 12.4T | 597.4B | 2.79T |
| Long-Term Debt | 39.16T | 37.61T | 33.47T | 36.63T | 33.88T | 30.33T | 29.65T | 39.27T | 25.73T | 18.86T |
| Short-Term Debt | 1.23T | 1.92T | 3.24T | 2.32T | 1.31T | 2.22T | 0 | 0 | 5.05T | 9.17T |
| Other Liabilities | 7.07T | 5.75T | 6.19T | 6.84T | 7.66T | 5.93T | 8.69T | 15T | 17.46T | 11.55T |
| Total Current Liabilities | 124.68T | 128.5T | 137.78T | 147.47T | 161.67T | 187.45T | 213.83T | 254.78T | 255.67T | 291.23T |
| Total Non-Current Liabilities | 47.88T | 45.28T | 41.7T | 45.95T | 45.61T | 40.01T | 42.1T | 58.04T | 48.21T | 36.4T |
| Total Liabilities | 172.56T | 173.78T | 179.48T | 193.42T | 207.28T | 227.45T | 255.93T | 312.82T | 303.88T | 327.63T |
| Total Equity | 20.41T | 22.48T | 24.43T | 26.66T | 28.81T | 28.12T | 33.93T | 40T | 39.05T | 44.58T |
| Equity Growth % | 0.18% | 0.1% | 0.09% | 0.09% | 0.08% | -0.02% | 0.21% | 0.18% | -0.02% | 0.14% |
| Equity / Assets (Capital Ratio) | - | - | - | - | - | - | - | - | - | - |
| Return on Equity (ROE) | 0.13% | 0.13% | 0.11% | 0.1% | 0.11% | 0.01% | 0.13% | 0.18% | 0.15% | 0.15% |
| Book Value per Share | 339485.55 | 373904.36 | 406385.34 | 443409.42 | 479179.22 | 467698.26 | 564349.68 | 166339.90 | 162398.14 | 185414.94 |
| Tangible BV per Share | - | - | - | - | - | - | - | - | - | - |
| Common Stock | 480.91B | 480.91B | 480.91B | 480.91B | 480.91B | 480.91B | 480.91B | 480.91B | 480.91B | 480.91B |
| Additional Paid-in Capital | 4.86T | 4.86T | 4.86T | 4.86T | 4.86T | 4.86T | 4.86T | 4.86T | 4.86T | 4.86T |
| Retained Earnings | 5.85T | 6.38T | 3.57T | 3.91T | 4.7T | 3.91T | 3.27T | 3.28T | 8.63T | 31.56T |
| Accumulated OCI | 8.09T | 9.55T | 11.59T | 12.94T | 13.73T | 17.02T | 19.54T | 23.69T | 24.12T | 6.65T |
| Treasury Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | 1.86T | 3.6T | 2.94T | 1.04T | 12.32T | 11.23T | 6.1T | 6.56T | 2.13T | -17.89T |
| Operating CF Growth % | 1.32% | 0.94% | -0.18% | -0.65% | 10.81% | -0.09% | -0.46% | 0.08% | -0.68% | -9.41% |
| Net Income | 2.61T | 2.95T | 2.75T | 2.79T | 3.21T | -266.23B | 4.21T | 7T | 6.21T | 1.7T |
| Depreciation & Amortization | 481.56B | 482.9B | 433.03B | 467.78B | 677.25B | 736.37B | 855.17B | 949.45B | 1.08T | 1.01T |
| Deferred Taxes | 810.49B | 1.43T | 1.29T | 829.43B | 1.26T | -6.59B | 1.78T | 2.75T | 0 | 2.39T |
| Other Non-Cash Items | -7T | -9.12T | -9.39T | -10.06T | 4.25T | 5.73T | 1.72T | 1.23T | 6T | -8.82T |
| Working Capital Changes | -4.42T | -3.12T | -4.42T | -6.57T | 2.91T | 5.04T | -2.46T | -5.36T | -11.17T | -14.18T |
| Cash from Investing | 141.99B | -1.03T | -1.91T | -1.38T | -2.19T | -7.52T | -650.49B | -4.65T | -159.69B | -559.2B |
| Purchase of Investments | -1.78T | -2.56T | -3.43T | -4.32T | -8.79T | -16.28T | -12.62T | -11.73T | -11.59T | 0 |
| Sale/Maturity of Investments | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 0 |
| Net Investment Activity | - | - | - | - | - | - | - | - | - | - |
| Acquisitions | 783.55B | -219.31B | -1.53B | 26M | 70.31B | 268.9B | -9.18B | -815.28B | 185.32B | 0 |
| Other Investing | 155.25B | 419.6B | 479.06B | 184.19B | 118.22B | -106.27B | 409.3B | 176.53B | -351.47B | 1.48T |
| Cash from Financing | -231.47B | -343.84B | -3.62T | -732.71B | -5.26T | -4.92T | -6.81T | 853.44B | 11.59T | 9.09T |
| Dividends Paid | -785.33B | -840.24B | -1.13T | -735.8B | -1.03T | -1.56T | -467.22B | -2.31T | -3.3T | -3.4T |
| Share Repurchases | -28.08B | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Stock Issued | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Net Stock Activity | - | - | - | - | - | - | - | - | - | - |
| Debt Issuance (Net) | 1000K | -1000K | -1000K | 1000K | -1000K | -1000K | -1000K | 1000K | -1000K | -1000K |
| Other Financing | -898.65B | 5.82T | 1.31T | 5.63T | -1T | 861.93B | 0 | -616.68B | 16.98T | 18.31T |
| Net Change in Cash | 5.34T | 1.65T | -2.29T | 565.17B | 5.01T | -36.89B | 1.63T | 6.32T | 8.15T | -6.96T |
| Exchange Rate Effect | 1000K | -1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | -1000K | 1000K |
| Cash at Beginning | 13.47T | 18.81T | 20.46T | 18.17T | 18.73T | 23.74T | 23.7T | 25.33T | 31.65T | 39.8T |
| Cash at End | 18.81T | 20.46T | 18.17T | 18.73T | 23.74T | 23.7T | 25.33T | 31.65T | 39.8T | 32.84T |
| Interest Paid | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 15.98T | 14.98T |
| Income Taxes Paid | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Free Cash Flow | 894.9B | 2.52T | 1.81T | 28.77B | 10.76T | 9.7T | 3.91T | 3.03T | 16.74T | -19.94T |
| FCF Growth % | 1.12% | 1.81% | -0.28% | -0.98% | 373.07% | -0.1% | -0.6% | -0.23% | 4.53% | -2.19% |
| Metric | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | 13.34% | 13.36% | 11.15% | 10.41% | 11.24% | 0.97% | 13.17% | 18.35% | 15.48% | 14.99% |
| Return on Assets (ROA) | 1.47% | 1.47% | 1.31% | 1.25% | 1.37% | 0.11% | 1.5% | 2.11% | 1.76% | 1.75% |
| Net Interest Margin | 3.63% | 4.66% | 4.87% | 4.57% | 4.52% | 4.15% | 3.9% | 4.82% | 5.77% | 5.04% |
| Efficiency Ratio | 39.67% | 34.85% | 34.3% | 34.85% | 35.75% | 36.53% | 41.19% | 32.76% | 50.79% | 50.39% |
| Equity / Assets | 10.58% | 11.45% | 11.98% | 12.11% | 12.2% | 11% | 11.7% | 11.34% | 11.39% | 11.98% |
| Book Value / Share | 339.49K | 373.9K | 406.39K | 443.41K | 479.18K | 467.7K | 564.35K | 166.34K | 162.4K | 185.41K |
| NII Growth | 28.11% | 30.74% | 8.58% | 1.24% | 6.11% | -0.62% | 6.62% | 50.19% | 16.52% | -5.23% |
| Dividend Payout | 31.18% | 29.32% | 43.07% | 27.67% | 33.12% | 563.72% | 11.43% | 34.06% | 53.92% | 54.23% |
| 2020 | |
|---|---|
| Banking Services | 582.85B |
| Banking Services Growth | - |
| Trust | 454.25B |
| Trust Growth | - |
| Others | 249.41B |
| Others Growth | - |
| Brokerage | 28.36B |
| Brokerage Growth | - |
Grupo Cibest S.A. (CIB) has a price-to-earnings (P/E) ratio of 0.0x. This may indicate the stock is undervalued or faces growth challenges.
Grupo Cibest S.A. (CIB) grew revenue by 6.3% over the past year. This is steady growth.
Yes, Grupo Cibest S.A. (CIB) is profitable, generating $6.69T in net income for fiscal year 2024 (28.3% net margin).
Yes, Grupo Cibest S.A. (CIB) pays a dividend with a yield of 100.00%. This makes it attractive for income-focused investors.
Grupo Cibest S.A. (CIB) has a return on equity (ROE) of 15.0%. This is reasonable for most industries.
Grupo Cibest S.A. (CIB) has a net interest margin (NIM) of 5.0%. This indicates healthy earnings from lending activities.
Grupo Cibest S.A. (CIB) has an efficiency ratio of 50.4%. This is excellent, indicating strong cost control.