Grupo Cibest S.A.

CIB

Banks - Regional · Financial Services

Price

$80.41

+0.94 (+1.18%)

Market Cap

$19.08B

Exchange

New York Stock Exchange

Winston Score

Winston is curious

Mixed quality — meaningful strengths and weaknesses.

Share count rising — dilution

+296.4% over 4y

The company has issued more shares over this period, which dilutes each existing shareholder’s stake.

Diluted shares outstanding: 60.1M (2021) → 238.3M (2025)

Grupo Cibest S.A. (CIB) is a large regional bank based in Colombia that provides everyday financial services to individuals, businesses, and governments. Its core products include checking and savings accounts, loans, credit cards, mortgages, and investment services. It is one of the largest financial institutions in Colombia and operates across Latin America under the Bancolombia brand.

The bank makes money primarily by charging interest on loans and collecting fees for financial services, a model common to traditional banks. It operates mainly in Colombia but also has a meaningful presence in Panama, El Salvador, Guatemala, and other parts of Central America, giving it a diversified regional footprint. Its large customer base and established brand in Colombia provide a degree of competitive stability, though the bank faces risks from currency fluctuations, interest rate changes, and broader economic slowdowns in Latin America, which can quickly affect loan quality and profitability.

Winston Score History

Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+1.7% YoY

YoY Growth Rate

Slow revenue growth

EPS Growth

-15.7% YoY

YoY Growth Rate

Earnings declining

R&D Spend

$0/ year

0.0% of revenue

Below sector average (7%)

Research and development spending

Insider Activity

0.0%ownership

Relatively low insider ownership

Cash Position

Cash flow positive

$322.3T cash & investments

Quarterly Free Cash Flow

↓ Burn rate worsening

Company generates more cash than it spends — no dilution risk from fundraising

Growth context

Grupo Cibest S.A. is growing revenue at 2% year-over-year. The Winston Score measures business quality today — these growth metrics show what could matter tomorrow.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

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Quality

Gross Margin

59.2%

Premium pricing power — 59.2% gross margin

Operating Margin

20.5%

Excellent — 20.5% operating margin

ROCE

3.9%

Weak — 3.9% return on capital

ROIC between 0% and 5%. They earn a few cents back per dollar invested in the business.

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Growth

Sales YoY

+1.4%

Nearly flat sales (1.4% YoY)

EPS YoY

+10.5%

Earnings growing (10.5% YoY)

Healthy double-digit earnings growth — what compounders look like.

EPS Consistency

4/8 quarters

Earnings inconsistent quarter-to-quarter

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Cash Flow

Cash Conversion

180%

Turns 180% of profit into real cash

FCF Margin

23.6%

Converts sales into free cash efficiently (23.6%)

Free cash flow margin above 20%. Out of every $100 in sales, more than $20 is real cash they keep.

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Stability

Debt / Equity

0.51

Conservative — low debt load (0.51)

Interest Cover

0.74x

Dangerous — barely covers interest (0.7x)

Interest coverage below 1. Their profits don't cover the interest bill.

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Valuation

P/E Ratio (TTM)

0.0x

Attractive valuation — P/E 0.0

P/E under 10. The price tag is small relative to last year's profit.

P/E vs Forward

+0.0

GROWING

Earnings roughly flat

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Dividends

Dividend Yield

3.11%

Moderate income — 3.11% yield

Standard yield zone for stable dividend payers. A meaningful piece of total return.

Dividend Growth

+107.7%

Dividend growing fast (107.7% YoY)

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