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Upturn AI Summary - About
Grupo Cibest S.A.(CIB)
Top performer 
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for CIB
11/09/2026: CIB (5-star) is currently NOT-A-BUY. Pass it for now.
Grupo Cibest S.A. is a financial services firm primarily focused on commercial banking and asset management within its regional market. The company benefits from an established customer base and a diversified mix of interest-based and fee-based revenue. Its primary growth story involves modernizing its digital infrastructure to remain competitive against larger, tech-savvy banking institutions. However, the company faces notable risks, including high sensitivity to regional macroeconomic volatility and aggressive pricing competition from major national banks. Given its focus on stability and dividend potential, it may best suit income-oriented investors, though interested parties should monitor the progress of its recent digital transformation initiatives.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Weak fit | The company exhibits stable, moderate growth rather than the high-velocity expansion typically sought by growth investors. |
| Momentum investor | Weak fit | The stock typically lacks the high-volatility price trends required for momentum strategies. |
| Value investor | Strong fit | Its moderate valuation and stable asset base may appeal to investors focusing on fundamental value. |
| Dividend investor | Strong fit while signal remains positive | The focus on dividend payouts makes it a suitable candidate for income-oriented portfolios. |
| Low-risk investor | Mixed fit | While established, the company is subject to regional macroeconomic risks that can increase volatility. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium | The stock is influenced by regional economic cycles which can impact sentiment. |
| Valuation risk | Low | Current pricing generally reflects the mature nature of the business. |
| Competition risk (banking competition) | High | Large national banks aggressively compete for market share and margins. |
| Business quality | Medium | The franchise is stable but lacks the scale of dominant global banking entities. |
| Dividend income | Medium / high | Dividends are dependent on earnings which can fluctuate with economic conditions. |
| Execution risk | Medium | Successful digital transition is required to remain relevant against modern competitors. |
Price Behavior
Strong Uptrend
The stock has maintained a strong upward price trend across the last three quarters.
Moderately Choppy
The stock has experienced noticeable price swings while retaining some directional structure.
Analysis of Past Performance
Type Stock | Historic Profit 214.31% | Avg. Invested days 80 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  3.0 | Stock Returns Performance  5.0 |
| Profits based on simulation | Last Close 11/09/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 21.81B USD | Price to earnings Ratio 11.13 | 1Y Target Price 84.72 |
Price to earnings Ratio 11.13 | 1Y Target Price 84.72 | ||
Volume (30-day avg) 266.9K shares | Beta 0.43 | 52 Weeks Range 55.81 - 103.97 | Updated Date 11/08/2026 |
52 Weeks Range 55.81 - 103.97 | Updated Date 11/08/2026 | ||
Dividends yield (FY) - | Basic EPS (TTM) 8.3 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Commercial Banking | Interest earned on loans and transaction fees for retail/SME clients. | The primary source of income is the difference between interest earned on loans and interest paid on deposits. |
| Asset Management | Management fees and advisory commissions from investment products. | Earnings are generated through recurring fees based on the volume of assets under management. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2026-11-09 | When After Market | Estimate 2.87 | Actual - |
Profitability
Profit Margin 17.57% | Operating Margin (TTM) - |
Management Effectiveness
Return on Assets (TTM) 2.13% | Return on Equity (TTM) 19.22% |
Valuation
Trailing PE 11.13 | Forward PE 7.21 | Enterprise Value -18.30T | Price to Sales(TTM) 1.33 |
Enterprise Value -18.30T | Price to Sales(TTM) 1.33 | ||
Enterprise Value to Revenue 3.19 | Enterprise Value to EBITDA - | Shares Outstanding 109.05M | Shares Floating 596.29M |
Shares Outstanding 109.05M | Shares Floating 596.29M | ||
Percent Insiders - | Percent Institutions 21.78 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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