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Upturn AI SWOT - About
CIB 
Bancolombia SA ADR (CIB)
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Upturn Advisory Summary
09/16/2025: CIB (3-star) is a STRONG-BUY. BUY since 201 days. Simulated Profits (94.80%). Updated daily EoD!
Upturn Star Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Number of Analysts
9 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $42.88
1 Year Target Price $42.88
| 0 | Strong Buy |
| 1 | Buy |
| 6 | Hold |
| 2 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 67.83% | Avg. Invested days 68 | Today’s Advisory Strong Buy |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 09/16/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 13.40B USD | Price to earnings Ratio 7.25 | 1Y Target Price 42.88 |
Price to earnings Ratio 7.25 | 1Y Target Price 42.88 | ||
Volume (30-day avg) 9 | Beta 0.9 | 52 Weeks Range 24.40 - 53.99 | Updated Date 09/16/2025 |
52 Weeks Range 24.40 - 53.99 | Updated Date 09/16/2025 | ||
Dividends yield (FY) 29.44% | Basic EPS (TTM) 7.14 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 28.37% | Operating Margin (TTM) 39.87% |
Management Effectiveness
Return on Assets (TTM) 1.87% | Return on Equity (TTM) 16.5% |
Valuation
Trailing PE 7.25 | Forward PE 7.28 | Enterprise Value -20100964941824 | Price to Sales(TTM) - |
Enterprise Value -20100964941824 | Price to Sales(TTM) - | ||
Enterprise Value to Revenue 2.73 | Enterprise Value to EBITDA - | Shares Outstanding 113031000 | Shares Floating 547712385 |
Shares Outstanding 113031000 | Shares Floating 547712385 | ||
Percent Insiders - | Percent Institutions 22.04 |
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 grew through mergers and acquisitions, becoming the largest banking institution in Colombia. The ADR represents shares traded on the NYSE.
Core Business Areas
- Personal Banking: Offers a range of services including savings accounts, loans, credit cards, and mortgages to individual customers.
- Corporate Banking: Provides financial solutions to businesses, including loans, trade finance, cash management, and investment banking services.
- SME Banking: Focuses on providing financial products and services tailored to the needs of small and medium-sized enterprises.
- Investment Banking: Offers advisory services, underwriting, and capital markets solutions to corporations.
Leadership and Structure
The company is led by a CEO and a management team, with a board of directors overseeing strategic direction. Bancolombia operates through various subsidiaries and regional divisions.
Top Products and Market Share
Key Offerings
- Loans: Bancolombia offers various loan products for individuals and businesses. The competitor is Davivienda. Market Share: Around 22% in Colombia's total loan portfolio. The approximate revenue from this segment is $3 billion USD. Competitors include Davivienda, Banco de Bogotu00e1.
- Credit Cards: A range of credit card products with different benefits and rewards programs. Competitor is Davivienda. Market Share: Approximately 20% of the Colombian market. The approximate revenue from this segment is $700 million USD. Competitors include Davivienda, Banco de Bogotu00e1, Falabella.
- Mortgages: Mortgage products for residential properties. Market Share: Approximately 25% of the Colombian mortgage market. The approximate revenue from this segment is $1 billion USD. Competitors include Davivienda, Banco de Bogotu00e1, Caja Social.
Market Dynamics
Industry Overview
The Colombian banking sector is characterized by increasing competition, regulatory changes, and growing adoption of digital banking technologies. Economic growth in the region impacts the sector's performance.
Positioning
Bancolombia is the largest bank in Colombia, enjoying a strong brand reputation, extensive branch network, and a leading position in various market segments. Bancolombia has successfully positioned itself as a leader of the market.
Total Addressable Market (TAM)
The total addressable market is estimated at around $20 billion USD for the banking sector in Colombia. Bancolombia has around a 20% market share.
Upturn SWOT Analysis
Strengths
- Leading market share in Colombia
- Strong brand recognition
- Extensive branch network
- Diversified product and service portfolio
- Solid financial performance
Weaknesses
- Exposure to economic fluctuations in Colombia
- Dependence on the Colombian market
- Operational inefficiencies compared to more advanced markets
- Digital transformation challenges
Opportunities
- Expanding into new markets in Latin America
- Further developing digital banking services
- Increasing financial inclusion in underserved populations
- Capitalizing on growing SME sector
Threats
- Increased competition from local and international banks
- Regulatory changes impacting profitability
- Economic downturn in Colombia or Latin America
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- BBD
- ITUB
- SAN
Competitive Landscape
Bancolombia benefits from its established brand and extensive network, but faces increasing competition from both local and international players. Davivienda and Banco de Bogotu00e1 are key local competitors. International players are growing their presence.
Major Acquisitions
Helm Bank S.A.
- Year: 2012
- Acquisition Price (USD millions): 783
- Strategic Rationale: Expanded Bancolombia's presence in the high-income segment and strengthened its wealth management business.
Growth Trajectory and Initiatives
Historical Growth: Bancolombia has experienced steady growth in revenue and assets over the past decade.
Future Projections: Analysts project continued growth in the mid-single digits, driven by expansion in digital banking and SME lending.
Recent Initiatives: The company has launched several digital banking initiatives, including a mobile banking app and online lending platform. Additionally it has expanded into microfinancing in rural areas
Summary
Bancolombia is a leading bank in Colombia, with a strong market share and brand reputation. Its solid financial performance is driven by a diversified product portfolio and extensive network. The company faces challenges including economic volatility and competition but also has significant opportunities for growth in digital banking and new markets. Bancolombia needs to look out for new entrants in the market.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Bancolombia Annual Reports
- Analyst Reports
- Market Data Providers
- Company Press Releases
Disclaimers:
The data provided is based on available information and estimates, and may not be entirely accurate. Investment decisions should be based on thorough research and consultation with a financial advisor.
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 33993 | Website https://www.grupocibest.com |
Full time employees 33993 | 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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