CIB

BEARISH

$71.51 Live

Grupo Cibest S.A. · NYSE

Target $63.76 (-10.8%)

$39.89 52W Range $86.31

CIB Grupo Cibest S.A. - Fundamental Analysis

BEARISH

Console Chart News

CIB Stock | Fundamental Analysis & Investment Insights

NYSE • Financial Services • Banks - Regional

Current Price Live

$71.51

Analyst Target

$63.76

-10.8% Downside

52W High

$86.31

52W Low

$39.89

Overview AI Snowflake Price Valuation Profitability Growth Health Statements Peers Insiders SEC Filings

At a glance

Key valuation, profitability, growth, and risk metrics.

Updated Apr 25, 2026

Market cap

$16.97B

P/E

9.05

ROE

17.0%

Profit margin

30.9%

Debt/Equity

N/A

Dividend yield

6.89%

AI Analysis

AI-powered fundamental assessment

Confidence

85%

The deterministic health profile is critical, highlighted by a Piotroski F-Score of 0/9, indicating severe deterioration in financial fundamentals. While the stock has shown impressive long-term price appreciation and maintains a strong ROE of 16.96%, current growth metrics are catastrophic with YoY revenue down 80.10% and earnings down 72.30%. The stock is currently trading at $71.51, which is significantly above its growth-based intrinsic value of $55.30 and the analyst target price of $63.76. Despite an attractive dividend yield, the fundamental collapse outweighs the valuation appeal.

Key Strengths

Strong Return on Equity (ROE) of 16.96%

Attractive dividend yield of 6.89% with a sustainable payout ratio (54.24%)

Low P/E ratio (9.05) relative to the financial services sector average

Impressive long-term price performance (5Y Change: +305.8%)

Consistent history of earnings beats over the last 25 quarters

Key Risks

Catastrophic YoY revenue decline of 80.10%

Severe earnings contraction of 72.30% YoY

Piotroski F-Score of 0/9 signaling extreme financial weakness

Current price is trading at a premium to intrinsic value ($55.30)

Bearish technical trend (0/100) and negative short-term price momentum

AI Fair Value Estimate

Based on comprehensive analysis

$55.3

-22.7% below current price

Performance Snowflake

Multi-dimensional analysis across 5 key categories

Overall

Moderate

Value

Future

Past

Health

Dividend

AI Verdict

High Risk / Fundamental Collapse

Key drivers: Piotroski F-Score 0/9, Revenue Growth -80.10%, Price > Intrinsic Value

Confidence

90%

Value

45/100

Low multiples are likely a reflection of the growth collapse rather than a value opportunity.

Positives

Low P/E of 9.05
Low PEG of 0.43

Watchpoints

Price exceeds intrinsic value of $55.3
Price exceeds analyst target of $63.76

Future

10/100

Growth metrics are in a state of freefall.

Positives

No standout positives identified.

Watchpoints

Revenue growth -80.10% YoY
Earnings growth -72.30% YoY
Negative Q/Q revenue growth

Past

85/100

Historical performance is strong but decoupled from current fundamentals.

Positives

305.8% 5-year return
Strong historical earnings surprise track record

Watchpoints

Recent quarterly earnings decline

Health

0/100

A 0/9 F-Score is a maximum red flag for financial health.

Positives

No standout positives identified.

Watchpoints

Piotroski F-Score 0/9
Lack of available Altman Z-Score data

Dividend

75/100

Strong current yield, but high risk of future cuts given earnings trends.

Positives

High yield of 6.89%
Moderate payout ratio of 54.24%

Watchpoints

Dividend sustainability is threatened by earnings collapse

Stock Price & Analyst Targets

Real-time price movements and analyst price targets

Current Price

$71.51

Analyst Target

$63.76

Upside/Downside

-10.8%

Multi-Horizon Performance vs Peers

Price momentum across 5Y → 1W horizons for CIB and closest competitors.

Updated 2026-04-24

Company	5Y	3Y	1Y	6M	1M	1W
CIB Grupo Cibest S.A. Primary	+305.8%	+316.8%	+77.2%	+29.8%	-0.2%	-3.2%
BSAC Banco Santander-Chile Peer	+126.8%	+172.0%	+92.5%	+54.5%	+15.5%	+8.6%
EWBC East West Bancorp, Inc. Peer	+82.3%	+136.6%	+60.2%	+22.7%	+15.0%	+1.4%
AFRM Affirm Holdings, Inc. Peer	-42.4%	+368.3%	-0.0%	-43.6%	-17.1%	-9.3%
IREN IREN Limited Peer	+89.7%	+1824.1%	+348.9%	+451.4%	-31.8%	-25.7%

CIB

Grupo Cibest S.A.

Primary

+305.8%

+316.8%

+77.2%

+29.8%

-0.2%

-3.2%

BSA

Banco Santander-Chile

Peer

+126.8%

+172.0%

+92.5%

+54.5%

+15.5%

+8.6%

EWB

East West Bancorp, Inc.

Peer

+82.3%

+136.6%

+60.2%

+22.7%

+15.0%

+1.4%

AFR

Affirm Holdings, Inc.

Peer

-42.4%

+368.3%

-0.0%

-43.6%

-17.1%

-9.3%

IRE

IREN Limited

Peer

+89.7%

+1824.1%

+348.9%

+451.4%

-31.8%

-25.7%

Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.

Historical Performance Trends

Long-term financial metrics and growth patterns

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Historical data shows last 12 quarters (3 years)

Valuation Metrics

Key valuation ratios and pricing indicators

9.05

7.94

0.43

0.0

N/A

$16.97B

Profitability

Profit margins and return metrics

Profit Margin 30.91%

Operating Margin N/A

Gross Margin N/A

ROE 16.96%

ROA 1.89%

Growth

Revenue and earnings growth rates

Revenue Growth -80.1%

Earnings Growth -72.3%

Q/Q Revenue Growth -18.02%

Q/Q Earnings Growth -72.3%

Financial Health

Balance sheet strength and liquidity metrics

Debt/Equity

N/A

Current Ratio

N/A

Quick Ratio

N/A

Cash/Share

$N/A

Financial Statement Flow

Interactive flow visualization showing how money moves through the company Q4 2025

Revenue

$6051.9B

Net Margin

-30.6%

Total Assets

$379752.4B

Liabilities

$338756.7B

Equity

$39754.6B

Debt/Equity

8.52x

Operating CF

$6916.5B

CapEx

$-984.6B

Free Cash Flow

$5931.9B

FCF Yield

86%

Quarterly Earnings History

EPS performance vs analyst estimates

2026-05-04

$N/A

2026-02-23

$1.77

-9.6% surprise

2025-11-06

$2.18

+21.4% surprise

2025-08-06

$1.79

+8.5% surprise

Financial Services Sector Comparison

Comparing CIB against 653 companies in the Financial Services sector (117 bullish, 269 neutral, 267 bearish)

P/E Ratio

9.05

This Stock

38.75

Sector Avg

-76.6% (Discount)

Return on Equity (ROE)

16.96%

This Stock

-0.94%

Sector Avg

-1911.2% (Below Avg)

Profit Margin

30.91%

This Stock

58.65%

Sector Avg

-47.3% (Weaker)

Revenue Growth

-80.1%

This Stock

42.21%

Sector Avg

-289.8% (Slower)

Similar Companies

Peer comparison within the same industry

Company	AI Rating	Market Cap	P/E	ROE	Profit Margin	Price
CIB Grupo Cibest S.A.	BEARISH	$16.97B	9.05	17.0%	30.9%	$71.51
BSAC Banco Santander-Chile	NEUTRAL	$17.04B	14.19	23.2%	45.7%	$36.18	Compare
EWBC East West Bancorp, Inc.	NEUTRAL	$16.39B	12.39	15.9%	49.1%	$119.09	Compare
AFRM Affirm Holdings, Inc.	BEARISH	$15.62B	57.88	8.9%	7.6%	$46.88	Compare
IREN IREN Limited	BEARISH	$13.79B	26.65	26.1%	76.0%	$46.37	Compare

CIB Grupo Cibest S.A.

BEARISH

Mkt Cap

$17.0B

P/E

9.1

ROE

17.0%

Price

$71.51

BSAC Banco Santander-Chile

Compare with CIB

EWBC East West Bancorp, Inc.

Compare with CIB

AFRM Affirm Holdings, Inc.

Compare with CIB

Compare with CIB

SEC Filings

Recent regulatory filings from the SEC EDGAR database

20-F

2026-04-08

CIB filed its Form 20-F annual report on April 8, 2026, to provide comprehensive financial disclosures and risk assessments for the fiscal year. Specific financial highlights and risk factors were not provided in the available metadata.

Data sourced from SEC EDGAR. AI summaries generated automatically.

Wall Street Analysts

Professional analyst ratings and price targets

Consensus

HOLD

11 analysts

UBS

2026-04-23

Maintains

Neutral Neutral

Itau BBA

2026-02-26

down

Market Perform Underperform

Goldman Sachs

2026-02-25

Maintains

Neutral Neutral

Citigroup

2026-01-22

down

Buy Neutral

Goldman Sachs

2026-01-13

Sell Neutral

JP Morgan

2025-11-21

Maintains

Neutral Neutral

Past News Coverage

Recent headlines mentioning CIB from our newsroom.

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CIB

CIB Grupo Cibest S.A. - Fundamental Analysis

At a glance

AI Analysis

Key Strengths

Key Risks

Performance Snowflake

Stock Price & Analyst Targets

Multi-Horizon Performance vs Peers

Historical Performance Trends

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Valuation Metrics

Profitability

Growth

Financial Health

Financial Statement Flow

Quarterly Earnings History

Financial Services Sector Comparison

Similar Companies

SEC Filings

Wall Street Analysts

Past News Coverage

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