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Upturn AI SWOT - About
CIB 
Bancolombia SA ADR (CIB)
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Stock price based on last close (see disclosures)
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Upturn Advisory Summary
06/06/2025: CIB (2-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Number of Analysts
9 Analysts rated it
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Year Target Price $38.53
Year Target Price $38.53
| 0 | Strong Buy |
| 1 | Buy |
| 6 | Hold |
| 0 | Under performing |
| 2 | Sell |
Analysis of Past Performance
Type Stock | Historic Profit 39.73% | Avg. Invested days 56 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 06/06/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 11.07B USD | Price to earnings Ratio 6.93 | 1Y Target Price 39.55 |
Price to earnings Ratio 6.93 | 1Y Target Price 39.55 | ||
Volume (30-day avg) - | Beta 0.91 | 52 Weeks Range 23.49 - 45.78 | Updated Date 06/29/2025 |
52 Weeks Range 23.49 - 45.78 | Updated Date 06/29/2025 | ||
Dividends yield (FY) 33.82% | Basic EPS (TTM) 6.51 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 28.1% | Operating Margin (TTM) 41.23% |
Management Effectiveness
Return on Assets (TTM) 1.84% | Return on Equity (TTM) 16.29% |
Valuation
Trailing PE 6.93 | Forward PE 6.84 | Enterprise Value -16802778185728 | Price to Sales(TTM) - |
Enterprise Value -16802778185728 | Price to Sales(TTM) - | ||
Enterprise Value to Revenue 2.38 | Enterprise Value to EBITDA - | Shares Outstanding 113031000 | Shares Floating 551155726 |
Shares Outstanding 113031000 | Shares Floating 551155726 | ||
Percent Insiders - | Percent Institutions 22.56 |
Analyst Ratings
Rating 2.89 | Target Price 38.53 | Buy 1 | Strong Buy - |
Buy 1 | Strong Buy - | ||
Hold 6 | Sell 2 | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Bancolombia SA ADR
Company Overview
History and Background
Bancolombia S.A. was founded in 1875 as Banco de Colombia. Over time, it expanded through mergers and acquisitions, becoming the largest financial institution in Colombia and one of the largest in Latin America. It trades on the NYSE as an ADR under the symbol CIB.
Core Business Areas
- Banking: Provides a wide range of banking products and services to individuals, businesses, and government entities, including deposit accounts, loans, credit cards, and investment products.
- Investment Banking: Offers investment banking services such as underwriting, mergers and acquisitions advisory, and asset management.
- Insurance: Provides insurance products, including life insurance, property insurance, and casualty insurance.
Leadership and Structure
The leadership team consists of a CEO, CFO, and other key executives. The organizational structure is a hierarchical model with various departments and business units.
Top Products and Market Share
Key Offerings
- Personal Loans: Offers personal loans to individuals for various purposes. Bancolombia holds a significant share of the personal loan market in Colombia (estimate around 25%). Competitors include Davivienda and Banco de Bogotu00e1.
- Mortgages: Provides mortgage loans for residential properties. Bancolombia is a leading mortgage lender in Colombia (estimate around 28%). Competitors include Davivienda and Banco de Bogotu00e1.
- Credit Cards: Offers a range of credit cards with various benefits. Market share is around 23%. Key competitors are Davivienda and Banco de Bogotu00e1.
Market Dynamics
Industry Overview
The Colombian banking industry is relatively concentrated, with a few large players dominating the market. The industry is subject to regulatory oversight and is influenced by economic conditions in Colombia and globally.
Positioning
Bancolombia is the largest bank in Colombia and enjoys a strong brand reputation. Its competitive advantages include its large branch network, diverse product offerings, and strong financial performance.
Total Addressable Market (TAM)
The total addressable market for banking services in Colombia is estimated to be several billion USD. Bancolombia captures a substantial portion of this market due to its size and market position.
Upturn SWOT Analysis
Strengths
- Largest bank in Colombia
- Strong brand recognition
- Extensive branch network
- Diversified product portfolio
- Strong financial performance
Weaknesses
- Concentration in the Colombian market
- Exposure to regulatory risk
- Cybersecurity vulnerabilities
- Potential impacts from economic slowdowns
- Higher operational expenses as compared to digital-first banks
Opportunities
- Expansion into other Latin American markets
- Growth in digital banking
- Increased demand for financial services
- Fintech partnerships
- Growing middle class in Colombia
Threats
- Increased competition from fintech companies
- Economic downturn in Colombia
- Regulatory changes
- Political instability
- Currency fluctuations
Competitors and Market Share
Key Competitors
- BKCHY
- BDB
- ITUB
Competitive Landscape
Bancolombia faces competition from other large Colombian banks, as well as from international banks operating in the region. Bancolombia's advantages include its size, brand reputation, and extensive branch network.
Major Acquisitions
HSBC Panama
- Year: 2013
- Acquisition Price (USD millions): 2100
- Strategic Rationale: Expanded Bancolombia's presence in Central America.
Growth Trajectory and Initiatives
Historical Growth: Bancolombia has experienced steady growth over the past decade, driven by expansion in its core banking business and strategic acquisitions.
Future Projections: Analysts project continued growth for Bancolombia, driven by growth in the Colombian economy and expansion into new markets.
Recent Initiatives: Recent initiatives include investments in digital banking, expansion into new markets, and strategic partnerships with fintech companies.
Summary
Bancolombia is the largest bank in Colombia with a strong presence in the region. The bank has a diversified product portfolio and a robust financial performance. It faces competition from fintech companies and economic uncertainty, but its strong brand and extensive network provide a competitive advantage. Expansion into digital banking and other Latin American countries could further propel growth, however it needs to watch out for regulatory risk.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings
- Analyst reports
- Market research reports
- news sources
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share estimates are approximate and may vary depending on the source.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Bancolombia SA ADR
Exchange NYSE | Headquaters - | ||
IPO Launch date 1995-07-26 | President & CEO Mr. Juan Carlos Mora Uribe | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 34182 | Website https://www.grupocibest.com |
Full time employees 34182 | Website https://www.grupocibest.com | ||
Grupo Cibest S.A., together with its subsidiaries, provides banking products and services in Colombia and internationally. It offers checking and savings accounts, money market accounts, time deposits, fixed term deposits, and investment products; trade financing, loans funded by domestic development banks, working capital loans, credit cards, personal and vehicle loans, payroll loans, and overdrafts; factoring; and financial and operating leasing services. The company provides hedging instruments, including futures, forwards, options, and swaps; and brokerage, investment advisory, and private banking services comprising selling and distributing equities, futures, foreign currencies, fixed income securities, mutual funds, and structured products. In addition, it offers cash management services; foreign currency and trade finance solutions; letters of credit and bills collection; bancassurance and insurance products; telephone and mobile phone banking services; and ATM network, online and computer banking services. Further, the company provides project and acquisition finance, loan syndication, corporate loans, debt and equity capital markets, principal investments, mergers and acquisition, hedging strategy advisories, restructurings, and structured financing; mutual and pension funds, private equity funds, payment and corporate trust, and custody; internet-based trading platform; inter-bank lending and repurchase agreements; managing escrow accounts, and investment and real estate funds; credit cards; roadside and medical assistance services; and transportation, maintenance and remodeling, and outsourcing services, as well as provides technology services. Grupo Cibest S.A. was formerly known as Bancolombia S.A. and changes its name to Grupo Cibest S.A. in May 2025. The company was founded in 1875 and is headquartered in Medellín, Colombia.
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