Grupo Cibest S.A. American Depositary Shares each representing four Preferred Shares (CIB)

FairStock Score: 66/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I look for durable, well-capitalized banks selling at sensible prices. Grupo Cibest shows a FairStock-calculated ROE of 19.22% and a 32.63% net margin in the second quarter of 2026 (2026-Q2), when it reported revenue of $8.4T and net income of $2.7T. The supplied growth figures—revenue +21.87%, profit +52.42%—are strong, though the data does not name the exact period. At the 2026-10-13 close of $95.49, FairStock calculates a P/E of 11.50, EPS of $8.30, PEG of 0.22, dividend yield of 4.19%, and beta of 0.44. On those numbers the price looks moderate, not extravagant. But I cannot judge the balance sheet. The given P/B is 0.00, D/E is N/A, and the bank-specific measures that matter—CET1, NIM, combined ratio, NPLs, loan-loss reserves—are absent. A Piotroski F-Score of 4/9 and ROCE of 2.13% do not add much confidence. Banking is a leveraged, commodity-like business; any moat comes from deposits, scale, underwriting, and trust. Cibest has 31,568 employees and a regional footprint, which could provide scale, but without capital and credit data I cannot call the moat durable. FairStock's 66/100 score and its lack of a Lynch category (0 years filed, needs 3) reinforce that this is an incomplete picture. The stock may be reasonably valued, but for a margin-of-safety investor, the missing balance-sheet detail is a real discount to demanded. I would watch credit costs and capital ratios before trusting the headline ROE.

In plain English: Grupo Cibest runs banks and offers loans, deposits, credit cards, leases, and related financial services in Colombia and abroad. The business looks profitable and is growing, but important bank balance-sheet details are missing, so it is hard to call it clearly strong or weak. The shares look reasonably priced against earnings, not obviously cheap or expensive, and the dividend is moderate.

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Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer