Upside case
Bull case
$435252+651084.9%
CIB would need investors to value it at roughly 14x earnings — about 14x more generous than today's 0x forward P/E. That requires meaningful multiple expansion on top of continued earnings growth.
Analysis OverviewBuyUpdated May 1, 2026
Grupo Cibest S.A. (CIB) Stock Analysis
Wall Street verdict, consensus price target, and analyst rating breakdown — everything needed to frame the risk/reward at today's price.
Analyst consensus
Buy
Covering
15
analysts
6 bullish · 4 bearish · 15 covering CIB
Strong Buy
0
Buy
6
Hold
5
Sell
4
Strong Sell
0
Consensus Target
$67
+0.7% vs today
Scenario Range
$33529 – $435252
Model bear to bull value window
Coverage
15
Published analyst ratings
Valuation Context
0.0x
Forward P/E · Market cap $15.9B
CIB price targets
Three scenarios for where CIB stock could go
Current
~$67
Confidence
30 / 100
Updated
May 1, 2026
Where we are now
Current · $67
Bear
$33529
Base
$261069
Bull
$435252
Market caseClosest to today
Base case
$261069+390488.6%
At 8x on FY1 earnings, the base case reflects a reasonable but not stretched valuation. It prices in continued growth without assuming an exceptional setup.
Stress case
Bear case
$33529+50063.5%
The bear case assumes sentiment or fundamentals disappoint enough to push CIB down roughly 50063% from the current price.
Not financial advice. Model confidence reflects internal scenario assumptions, not a guarantee of returns. Past performance does not predict future results.
Grupo Cibest S.A.
CIB · NYSEFinancial ServicesBanks - RegionalDecember year-end
Grupo Cibest is a Colombian investment holding company that manages a diversified portfolio of financial and industrial assets. It generates revenue primarily through dividends and capital gains from its equity investments across banking, insurance, and industrial sectors. The company's key advantage lies in its strategic positioning within Colombia's financial ecosystem and its long-term investment approach to value creation.
Market Cap
$15.9B
Net Income TTM
$7.26T
CIB Revenue and Earnings Performance
Quarterly beat-or-miss track record against analyst estimates, plus forward revenue and EPS outlook for the next two fiscal years.
EPS Beat Rate
8%Exceptional
12 quarters tracked
Revenue Beat Rate
50%Exceptional
vs consensus estimates
Avg EPS Surprise
-75.4%
above Street consensus
Beat / Miss Record
BeatMissLeft = EPS · Right = Revenue
Q3 2025
Q4 2025
Q1 2026
Q2 2026
Last 4 Quarters
EPS beats: 1 of 4Q3 2025
EPS
$1.79/$7010.12
Revenue
$2.6B/—
Q4 2025
EPS
$2.18/$1.81
Revenue
$2.8B/$2.0B
Q1 2026
EPS
$1.77/$2.04
Revenue
$1.7B/$2.0B
Q2 2026
EPS
$1.62/$1.84
Revenue
$2.2B/$2.0B
| Quarter | EPS (Actual / Est) | EPS Surprise | Revenue (Actual / Est) | Rev Surprise |
|---|---|---|---|---|
| Q3 2025 | $1.79/$7010.12 | -100.0% | $2.6B/— | — |
| Q4 2025 | $2.18/$1.81 | +20.4% | $2.8B/$2.0B | +37.3% |
| Q1 2026 | $1.77/$2.04 | -13.2% | $1.7B/$2.0B | -14.1% |
| Q2 2026 | $1.62/$1.84 | -12.0% | $2.2B/$2.0B | +9.1% |
FY1–FY2 Estimates
Revenue Outlook
FY1
$41.09T
-4.2% YoY
FY2
$41.46T
+0.9% YoY
EPS Outlook
FY1
$29651.62
-2.6% YoY
FY2
$30057.38
+1.4% YoY
Trailing FCF (TTM)$10.01T
Next Earnings
—
Expected EPS
—
Expected Revenue
—
CIB beat EPS estimates in 1 of 4 tracked quarters. Mixed delivery makes the upcoming report a key data point for re-rating.
CIB Revenue Breakdown by Segment
Product and geographic revenue mix from the latest annual disclosure, with year-over-year growth by segment.
Latest disclosure
FY 2020
Total disclosed revenue $1.31T
Product Mix
Latest annual revenue by segment or product family
Banking Services
44.3%
YoY unavailable
Tap, hover, or focus a slice to inspect segment detail.
Geographic Mix
Latest annual revenue by reported region
Segment breakdown not available for this company.
Banking Services is the largest disclosed segment at 44.3% of FY 2020 revenue, with no year-over-year comparison yet.
CIB Valuation Snapshot
Current multiples compared to the S&P 500, the company's sector, and its own five-year average.
Relative Value Signal
Significantly Undervalued
Fair value est. $158886 — implies +236901.1% from today's price.
Upside to Fair Value
236901.1%
potential upside
Deep DiscountFair ValueVery Expensive
vs S&P 500 Trailing P/E
CIB
8.7x
vs
S&P 500
25.2x
66% discount
vs Financial Services Trailing P/E
CIB
8.7x
vs
Financial Services
13.4x
35% discount
vs CIB 5Y Avg P/E
Today
8.7x
vs
5Y Average
0.0x
+577059% premium
Forward PE
0.0x
S&P 500
19.1x
-100%
Financial Services
10.5x
-100%
5Y Avg
—
—
Trailing PE
8.7x
S&P 500
25.2x
-66%
Financial Services
13.4x
-35%
5Y Avg
0.0x
+577059%
PEG Ratio
0.20x
S&P 500
1.75x
-89%
Financial Services
1.03x
-81%
5Y Avg
—
—
EV/EBITDA
6.2x
S&P 500
15.3x
-59%
Financial Services
11.4x
-46%
5Y Avg
0.6x
+880%
Price/FCF
5.9x
S&P 500
21.3x
-73%
Financial Services
10.6x
-45%
5Y Avg
0.0x
+484190%
Price/Sales
1.4x
S&P 500
3.1x
-56%
Financial Services
2.3x
-39%
5Y Avg
0.0x
+689208%
Dividend Yield
8.82%
S&P 500
1.88%
+370%
Financial Services
2.68%
+229%
5Y Avg
—
—
| Metric | CIB | S&P 500 | Financial Services | 5Y Avg CIB |
|---|---|---|---|---|
| Forward PE | 0.0x | 19.1x-100% | 10.5x-100% | — |
| Trailing PE | 8.7x | 25.2x-66% | 13.4x-35% | 0.0x+577059% |
| PEG Ratio | 0.20x | 1.75x-89% | 1.03x-81% | — |
| EV/EBITDA | 6.2x | 15.3x-59% | 11.4x-46% | 0.6x+880% |
| Price/FCF | 5.9x | 21.3x-73% | 10.6x-45% | 0.0x+484190% |
| Price/Sales | 1.4x | 3.1x-56% | 2.3x-39% | 0.0x+689208% |
| Dividend Yield | 8.82% | 1.88% | 2.68% | — |
CIB trades above S&P 500 benchmarks on 0 of 6 measured multiples — appears modestly priced relative to the S&P 500 on most measures.
Forward P/E and PEG reflect analyst consensus estimates. Historical averages use trailing ratios where forward data is unavailable.S&P 500 and sector benchmarks both use trailing median P/E — similar readings indicate the broader index and sector are priced alike.
Open valuation toolCIB Financial Health
Verdict
Exceptional
CIB generates 17.2% ROE and 1.9% return on assets — the two primary signals for banking profitability. FCF-based metrics are not applicable to financial companies.
Earnings Engine
Revenue, profitability, and return on capital
Revenue (TTM)
Trailing-twelve-month sales base
—
Revenue Growth
TTM vs prior year
—
Operating Margin
Operating income divided by revenue
—
Net Margin
Net income divided by revenue
—
EPS (TTM)
Diluted earnings per share, trailing twelve months
$30450.93
ROE
Return on equity — the primary profitability signal for banks
17.2%
Capital Quality
ROIC, leverage, and debt serviceability
ROIC
Return on invested capital — primary competitive quality signal
9.9%
ROA
Return on assets, trailing twelve months
1.9%
Cash & Equivalents
Liquid assets on the balance sheet
$22.78T
Net Cash
Cash exceeds total debt — no net leverage
$3.42T
FCF Analysis
Traditional FCF and debt/FCF ratios are not meaningful for financial companies. Focus on ROE and ROA above.
ROE
Return on equity — the headline bank profitability metric
17.2%
Shareholder Returns
How capital is returned to owners
Total shareholder yield
9.6%
Dividend
8.8%
Buyback
0.7%
Share Repurchases
Trailing buyback outflow — dollar magnitude of capital returned
$431.4B
Dividend / Share
Annualized trailing dividend per share
$21806.88
Payout Ratio
Share of earnings distributed as dividends
76.7%
Shares Outstanding
Declining as buybacks retire shares
237M
All figures from the trailing twelve months. For financial companies, ROE and ROA are the primary health signals — FCF-based metrics are not applicable.
Open full ratios pageCIB Stock Risk Factors
Key factors that could pressure the stock price, compress the multiple, or weigh on future results.
Based on the latest company results, valuation, and market data
Medium
Banking Services dependence
Banking Services contributes 44.3% of the disclosed revenue mix. If demand in the lead segment cools, the rest of the portfolio may not be large enough to fully offset the slowdown.
Medium
Valuation de-rating
CIB trades at 8.7x trailing earnings versus 25.2x for the S&P 500 and 13.4x for its sector. If earnings delivery or sentiment slips, the stock could re-rate lower and move closer to the bear case target of $33529.
Medium
Estimate execution
The next fiscal year requires Street estimates of $41.09T in revenue (-4.2% growth) and $29651.62 in EPS. Missing those operating targets would undermine the premium multiple investors are paying today.
Lower
Capital return support
Part of the per-share support comes from capital returns, backed by $10.01T in trailing free cash flow, a 0.7% buyback yield, and a 8.8% dividend yield. If cash generation softens, the EPS lift and downside cushion from repurchases can narrow.
These are risk mechanisms, not predictions. The key question is which would force a cut to earnings estimates or a lower multiple than the market currently prices in.
Why CIB Stock Could Outperform
Structural drivers behind the upside case and why the stock could outperform over the next 12 months.
Based on recent company results and analyst estimates
High-margin cash engine
Grupo Cibest S.A. already operates from a position of scale, with — gross margin, — operating margin, and $10.01T in trailing free cash flow. That combination gives management room to keep funding product investment without relying on outside capital.
Banking Services still matters
Banking Services accounts for 44.3% of disclosed revenue. When the biggest revenue lines are still holding up, even modest execution improvement can translate into meaningful earnings leverage.
Upside and capital returns align
Consensus still points to $67, or 0.7% upside, while the modeled bull target reaches $435252. If $41.09T in forward revenue and $29651.62 in EPS are delivered, ongoing shareholder returns running at 9.6% can amplify the equity upside.
A real bull case compounds — each driver matters most when it strengthens margins, supports capital returns, and keeps the company above the market's minimum growth bar simultaneously.
CIB Stock Price Performance
52-week range context and price returns across multiple time horizons. Dividend contribution is shown separately in the Capital Return section.
Current Price
$66.84
52W Range Position
58%
52-Week Range
Current price plotted between the 52-week low and high.
52-Week Low
$40.07
+66.8% from the low
52-Week High
$86.31
-22.6% from the high
1 Month
-8.16%
3 Month
-14.70%
YTD
+5.8%
1 Year
+62.3%
3Y CAGR
+38.8%
5Y CAGR
+17.3%
10Y CAGR
+6.6%
Range context matters because valuation compression and earnings misses rarely hit from the same starting point. A stock already far below its high can still fall, but it is no longer carrying the same embedded optimism as one pressing a fresh peak.
CIB vs Peers
Valuation, growth, and margin comparison against the closest publicly traded peers for this company.
Peer Set
Accurate peer set
Forward PE
0.0x
vs 0.0x median
-79% below peer median
Revenue Growth
-4.2%
vs -20.9% median
+80% above peer median
Net Margin
—
vs 17.7% median
Peer median unavailable
| Company | Mkt Cap | Fwd PE | Rev Grw | Margin | Rating | Upside |
|---|---|---|---|---|---|---|
CIB CIB Grupo Cibest S.A. | $15.9B | 0.0x | -4.2% | — | Buy | +0.7% |
GFI GFI Gold Fields Limited | $41.4B | 7.9x | +13.2% | 23.2% | Hold | +17.8% |
BBA BBAR Banco BBVA Argentina S.A. | $3.2B | 0.0x | -28.8% | — | Buy | +2.4% |
BMA BMA Banco Macro S.A. | $4.8B | 0.0x | -28.4% | — | Buy | +68.9% |
GGA GGAL Grupo Financiero Galicia S.A. | $5.8B | 0.0x | -20.9% | — | Buy | +39.3% |
SU SU Suncor Energy Inc. | $76.6B | 7.8x | +2.3% | 12.1% | Buy | -3.6% |
This peer comparison reflects companies with similar business models, product lines, or market positioning, supplemented by industry grouping when direct matches are limited.
CIB Dividend and Capital Return
CIB returns 9.6% total yield, led by a 8.82% dividend. Buybacks add another 0.7%.
Dividend WatchFCF Adequate
Total Shareholder Yield
9.6%
Dividend + buyback return per year
Buyback Yield
0.7%
Dividend Yield
8.82%
Payout Ratio
76.7%
How CIB Splits Its Return
Div 8.82%
Dividend 8.82%Buybacks 0.7%
Dividend Profile
Yield, cadence, and growth quality
Dividend / Share
Trailing annualized cash dividend
$21806.88
Growth Streak
Consecutive years of dividend increases
4Y
3Y Div CAGR
17.1%
5Y Div CAGR
21.7%
Ex-Dividend Date
—
Payment Cadence
Annual
1 payments over the last 12 months
Buyback Engine
How much per-share support comes from repurchases
Repurchases (TTM)
Cash used for buybacks in the latest trailing period
$431.4B
Estimated Shares Retired
6.5B
Approx. Share Reduction
2720.4%
Shares Outstanding
Current diluted share count from the screening snapshot
237M
At 2720.4%/year, buybacks mechanically lift EPS even with flat earnings — each remaining share represents a slightly larger piece of the company.
| Year | Div / Share | YoY Grw | BB Yield | Total Yield |
|---|---|---|---|---|
| 2026 | $1.22 | — | — | — |
| 2025 | $4.06 | +19.8% | 100.0% | 100.0% |
| 2024 | $3.39 | +11.6% | 0.0% | 100.0% |
| 2023 | $3.04 | +20.0% | 0.0% | 100.0% |
| 2022 | $2.53 | +942.7% | 0.0% | 100.0% |
FAQ
7 questionsCIB Investor Questions
Common questions answered from live analyst data and company financials.
01Is Grupo Cibest S.A. (CIB) stock a buy or sell in 2026?
Grupo Cibest S.A. (CIB) is rated Buy by Wall Street analysts as of 2026. Of 15 analysts covering the stock, 6 rate it Buy or Strong Buy, 5 rate it Hold, and 4 rate it Sell or Strong Sell. The consensus 12-month price target is $67, implying +0.7% from the current price of $67. The bear case scenario is $33529 and the bull case is $435252.
02What is the CIB stock price target for 2026?
The Wall Street consensus price target for CIB is $67 based on 15 analyst estimates. The high-end target is $72 (+7.7% from today), and the low-end target is $61 (-8.7%). The base case model target is $261069.
03Is Grupo Cibest S.A. (CIB) stock overvalued in 2026?
CIB trades at 0.0x times forward earnings. The stock currently trades at a discount to the broader market. Based on current multiples versus the peer group, the relative model signals significantly undervalued. Whether the stock is over or undervalued ultimately depends on whether consensus earnings estimates are achievable.
04What are the main risks for Grupo Cibest S.A. (CIB) stock in 2026?
The primary risks for CIB in 2026 are: (1) Banking Services dependence — Banking Services contributes 44. (2) Valuation de-rating — CIB trades at 8. (3) Estimate execution — The next fiscal year requires Street estimates of $41. Each factor has the potential to pressure earnings or compress the stock's valuation multiple.
05What is Grupo Cibest S.A.'s revenue and earnings forecast?
Analyst consensus estimates CIB will report consensus revenue of $41.09T (-4.2% year-over-year) and EPS of $29651.62 (-2.6% year-over-year) for the upcoming fiscal year. The following year, analysts project $41.46T in revenue.
06When does Grupo Cibest S.A. (CIB) report its next earnings?
A confirmed upcoming earnings date for CIB is not yet available. Check the Earnings section above for the most recent quarterly report dates and forward estimates.
07How much free cash flow does Grupo Cibest S.A. generate?
Grupo Cibest S.A. (CIB) generated $10.01T in free cash flow over the trailing twelve months. CIB returns capital to shareholders through dividends (8.8% yield) and share repurchases ($431.4B TTM).