4 models fit Grupo Cibest S.A. American Depositary Shares each representing four Preferred Shares and they partly agree: 2 of 4 land within 15% of the average.
Two or more of our models back this value.
Near fair value(i)Silver77
Valued as a bank: Residual income, P/E comparison, Dividend discount, and Graham number.
ACCE opinionGrupo Cibest S.A. American Depositary Shares each representing four Preferred Shares (CIB)
Fair value (4 models)
$101
ACCE price target
$110
Rating
Fairly valued
Horizon
12 months
Fair value published on 18 Oct 2026, 16:04 CEST; previously $72.24 since 4 Oct 2026, 00:00 CEST.
ACCE price target published on 3 Oct 2026, 00:00 CEST.
Rating published on 18 Oct 2026, 16:04 CEST.
Price used: $98.00 at the close on 23 Oct 2026, 22:00 CEST.
Models: P/E comparison, Graham number, Dividend discount, and Residual income.
Fair value: the average of the applicable valuation models (discounted cash flow, multiples, residual income, dividend discount, shareholder yield), each run on the latest financial statements and the market price shown. Opinion columns (fair value, target, rating) are shown apart from the data. Full methodology: acceinvestments.com/data/how-we-value-stocks
Conflicts of interest: The author holds no personal position in this security. General statement
Produced by ACCE Investments (acceinvestments.com)
Data
Price vs fair value
3.1% below
+3.2% to fair value
ACCE score
84
out of 100
Analysts
18% buy
11 covering
P/E
11.6x
forward 7.2x
1-year return
+75.5%
Dividend yield
4.14%
Grupo Cibest S.A. American Depositary Shares each representing four Preferred Shares in four questions
Plain answers, details below
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Overview
ACCE thesis
Grupo Cibest is the Colombian holding company behind Bancolombia, the country's largest bank by loans, with retail, corporate and SME lending, plus leasing, pension and asset management arms spread across Colombia, Central America and Peru. Its moat is scale in a concentrated market where the top few lenders hold most deposits, and a deep low-cost deposit franchise that cushions funding costs when rates move. The near-term driver is margin recovery as Colombian rates ease and loan growth reaccelerates from a low base, with revenue growing 26.0% on the latest reported figures. At 11.8 times trailing earnings and 7.2 times forward, with a 19.2% return on equity, the shares look inexpensive for a bank of this profitability, though the case rests on Colombian macro and peso risk that a portfolio manager should size explicitly before going further.
⚠ Investor warnings · 2 flagsAI-assisted·How I use AI
high
Implausible FCF figure
Reported FCF of $10.0T exceeds company market cap by 446x and global GDP context. Data error or misreporting requires clarification before relying on valuation.
moderate
Operating margin collapse
Operating margin at 0.0% despite 95.5% gross margin and 17.6% net margin is structurally inconsistent. Suggests either data quality issue or severe operating expense spike.
AI research notes
AI-assisted·How I use AIWritten Oct 11, 2026 · figures from 2026-06-30 · prices to Oct 23, 2026
Why it could do well
Revenue accelerated 26.0% year over year while net margin expanded to 17.6%, showing strong pricing power and operational leverage.
Return on equity of 19.2% and free cash flow of COP 10.0T demonstrate the business generates real returns on shareholder capital.
Forward P/E of 7.2x trades below the trailing 11.4x despite a 55.1% earnings surprise, suggesting the market has not priced in recent momentum.
Why it could disappoint
Analyst consensus targets $83.08, implying 12.4% downside from the current $94.81 share price.
Only 18% of analysts rate the stock Buy or Strong Buy, suggesting limited conviction among professionals covering the name.
Return on invested capital of 9.4% lags the 19.2% return on equity, indicating capital allocation challenges despite strong headline returns.
Each chip shows the exact figure and where it comes from. A claim without a source is not published.
Next results
Nov 5, 2026
We update the fair value about 2 days after the results, once the new figures are filed.Add to calendarGoogle
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Valuation
INVESTOR
Where CIB's valuation models land
Price
$98.00
Model fair value
$101
Model range
$69.87 to $126
Fair value $101
Price $98.00
The price sits inside the model range.
Model
Fair value
Upside
Dividend discount
Graham number
P/E comparison
Residual income
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See what each model says, the assumptions behind it, the bad, normal and good cases, and why the fair value changed.
Quality
INVESTOR
Quality and conviction INVESTOR FEATURE
The full quality picture: a reason under every score, how the scores moved, and the conviction breakdown.
+A plain reason under every score
+Conviction breakdown and growth / value / quality / momentum scores
Grupo Cibest's ACCE composite score surged from 69 to 84. Here's what the subscore data tells us about what changed and what to watch.
2026-08-17
Recommendation history, last 12 months
Date
Type
New
Previous
Price
18 Oct 2026, 16:04 CEST
Rating
Fairly valued
first publication
$97.91
18 Oct 2026, 16:04 CEST
Fair value
$101
$72.24
$97.91
4 Oct 2026, 00:00 CEST
Fair value
$72.24
$73.41
$91.91
3 Oct 2026, 00:00 CEST
ACCE price target
$110
first publication
$91.91
27 Sept 2026, 00:00 CEST
Fair value
$73.41
$74.51
$95.15
20 Sept 2026, 00:00 CEST
Fair value
$74.51
$76.25
$96.63
6 Sept 2026, 00:00 CEST
Fair value
$76.25
$77.42
$101
4 Sept 2026, 00:00 CEST
Fair value
$77.42
$78.52
$98.43
23 Aug 2026, 00:00 CEST
Fair value
$78.52
$76.43
$102
20 Aug 2026, 00:00 CEST
Fair value
$76.43
$75.03
$96.96
Price
+74.8% · 1Y
Ask anything about CIB
Answered from Grupo Cibest S.A. American Depositary Shares each representing four Preferred Shares fundamentals + recent valuations. Every number shows its source and date.
This stock Peer Peer median weaker → stronger
P/Ebetter than 67% of peers
low 9.8x11.6xhigh 19.4x
ROEbetter than 67% of peers
low 9%19%high 21%
Div yieldbetter than 50% of peers
low 0.0%4.1%high 5.8%
Peers
Prices Oct 23, 2026
Company
Price
Fair value
vs fair value
P/E
ROE
Quality
Score
CIBGrupo Cibest S.A. American Depositary Shares each representing four Preferred Shares