| Factor | Score | Distribution | Value | Avg | Rank |
|---|---|---|---|---|---|
Valuation | 76 | 10.8x | 17.3x | Top tier | |
Growth | 18 | 4.2% | 7.1% | Bottom tier | |
Quality | 90 | — | — | Top tier | |
Safety | 17 | — | — | Bottom tier | |
Capital Return | 89 | 2.86% | 0.06% | Top tier | |
Momentum | 96 | 65.3% | -1.6% | Top tier | |
Sentiment | 83 | 4 | 3 | Top tier |
10-year US Treasury yield 4.96% as of 2026-10-22. Estimates computed from company data and analyst targets, not investment advice.
Ten ratios that matter, each compared against its sector median and average — so you can see whether a number is rich or cheap relative to peers in the same sector.
Grupo Cibest S.A., listed under the ticker CIB on the NYSE, is a financial group comprising Bancolombia, Banco Agricola, and BAM, alongside the digital services ecosystem of Nequi, Wompi, and Wenia. The group generates income from the spread between returns on loans and investments and funding costs, and from fees for payments, cards, banking services, and bancassurance through its partnership with SURA. Its operating advantage rests on linking transactional activity to low-cost deposits and data that help it assess borrowers, while allocating liquidity between lending and investments according to demand and credit risk.
In quarter 2 of fiscal year 2026, ended 2026-06-30, net revenue reached 8.34 trillion Colombian pesos, up 16.9% compared with the same quarter of the previous year, and net income reached 2.52 trillion Colombian pesos. The operating margin calculated by EL7 rose to 40.8%, compared with 34.8% in quarter 2 of fiscal year 2025, ended 2025-06-30. The income mix reflects a greater weighting toward interest income as its margin widened; the fee income share reached 18.3% in quarter 2 of fiscal year 2026, while bancassurance, cards, and payments supported income diversification.
In quarter 2 of fiscal year 2026, ended 2026-06-30, the group benefited from loan repricing and deploying liquidity in the Colombian debt securities market, alongside Nequi's growth and improved efficiency in Central American operations. However, management explained on the 2026-08-11 call that return opportunities associated with international investor flows into peso instruments would diminish over time; continued improvement therefore depends on contributions from lending and fees and on risk control, alongside investment returns.
Q2 FY2026
When: 2026-11-05
Continued net revenue growth at the threshold of 16.9% compared with the same quarter of the previous year in the expected earnings announcement
When: Fiscal year 2026
Maintaining net interest margin guidance within the range of 7.4%–7.6%
The median analyst price target reached 110 dollars, within a range of 72–110 dollars in the 2026-10-19 snapshot, a low-confidence indicative estimate based on three analysts that reflects their growth and profitability expectations. The industry-multiple valuation reached 53 dollars, within a range of 44–65 dollars, based on book value at a median multiple of 1.2 across 335 companies, valuing the company as its peers are valued in terms of their equity base. The two methods differ clearly, with no overlap between their ranges; analyst targets give weight to expected earnings and growth, while the industry-multiple method links value to book value and comparable multiples. Analyst targets tend to be optimistic by nature, so the gap between the two methods remains an expression of the different things each measures and does not make either one the sole fair value.
Figures in the text are as of 2026-10-20; the live price is shown at the top of the page.
Grupo Cibest combines lending, investments, banking services, and fees through Bancolombia, Banco Agricola, BAM, and its digital ecosystem. In quarter 2 of fiscal year 2026, ended 2026-06-30, net revenue reached 8.34 trillion Colombian pesos and net income reached 2.52 trillion Colombian pesos. Management explained on the 2026-08-11 call that the sale of Banistmo increased the group's dependence on Bancolombia's results, the operation benefiting most from asset repricing as interest rates rise.
The operating margin rose to 40.8% in quarter 2 of fiscal year 2026, ended 2026-06-30, compared with 34.8% in quarter 2 of fiscal year 2025, ended 2025-06-30. This supports a real improvement in converting net revenue into earnings, but it coincided with investment opportunities that management said would diminish over time, and with recoveries from specific clients that benefited the cost of risk. Sustaining performance therefore remains linked to lending and fee growth and asset quality, with management targeting a return on equity between 21% and 22% for fiscal year 2026, ending 2026-12-31
Automated analysis for informational purposes only — not investment advice.
Keeping the cost of risk within the guidance range of 1.6%–1.8%
Achieving the return on equity range of 21%–22%
Nequi's monetized user base reached 18 million users, with an activity rate of 81.6% in quarter 2 of fiscal year 2026, ended 2026-06-30. Its integration with Wompi and Wenia supports service expansion for consumers and merchants, while management said on the 2026-08-11 call that Nequi was expected to begin operating as an independent financial entity within Grupo Cibest on 2026-09-01 after obtaining regulatory approval. The risk relates to expanding lending to unbanked segments, where management confirmed the portfolio's profitability while continuing to monitor borrower behavior and collections.
On the 2026-08-11 call, Grupo Cibest announced the completion of its acquisition of 100% of Avista Colombia to strengthen payroll-deducted lending. The idea is to combine Avista's technology and operating expertise with Bancolombia's funding advantage, within a segment management described as having a lower cost of risk. Management raised the possibility of expanding the platform into Central America, but this remained a potential opportunity and was not presented as a completed expansion or a specific earnings contribution.
The median analyst price target reached 110 dollars in the 2026-10-19 snapshot, within a range of 72–110 dollars and with low confidence because coverage is limited to three analysts. By comparison, the industry-multiple valuation reached 53 dollars within a range of 44–65 dollars, using a price-to-book multiple of 1.2 across 335 companies. The difference reflects analyst targets' reliance on expected growth and profitability, compared with the industry multiple's reliance on book value and peer comparison. Goldman Sachs also raised its target on 2026-08-13 to 110 dollars from 98 dollars, a revision to its expectations that does not resolve the difference between the two valuation approaches.