Grupo Cibest S.A. (CIBEST.CL) stock analysis

In our weekly check, Grupo Cibest S.A. is graded C (A to F). Of 25 checks on debt, profit, cash flow and trend: 14 pass, warnings: 4, red flags: 7.

About Grupo Cibest S.A.

Grupo Cibest S.A. is a Financial Services company (Banks - Regional) based in Colombia, listed on BVC as CIBEST.CL.

What our checks show for CIBEST.CL

Red flags

• The gross margin fell by 11 points, to 53.2%: costs are rising faster than prices.
• Analysts expect revenue to shrink about 2.4% a year.
• Analysts expect the net margin to shrink by 3.1 points from today's 16.8%.
• The stock has fallen as much as 61% from a peak. Would you have held through that?
• Recovering from its deepest fall took about 4.7 years.
• Return on capital (ROCE) is only 3%.

Warning signs

• Revenue grew only 2.4% a year over the last 3 years.
• Net profit fell 2.3% a year over the last 3 years.
• The price swings a lot: 38.9% annual volatility. Expect large ups and downs.
• Thinly traded (about 134 thousand shares a day): buying and selling can move the price.

Strengths

• Operating cash flow is 2.26x net profit: the profit arrives as real cash.
• Analysts expect earnings per share to grow about 16.6% a year over the next years.
• Earnings per share grew 21.3% a year over the last 3 years.
• Free cash flow is 31.9% of revenue: cash for dividends, buybacks or growth.
• The dividend takes 40% of profit: there is a cushion.
• The price is 13.3 times earnings (P/E), reasonable for its growth.

Next earnings report: 2026-11-05

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Questions

What grade does Grupo Cibest S.A. (CIBEST.CL) have?

In our weekly check, Grupo Cibest S.A. is graded C (A to F). Of 25 checks on debt, profit, cash flow and trend: 14 pass, warnings: 4, red flags: 7. The grade is a risk check, not a buy or sell recommendation.

What are the main risks of CIBEST.CL stock?

This week's biggest flags for Grupo Cibest S.A.: Gross margin falling, Weak revenue forecast, Margins expected to shrink. In total 11 of 25 checks show a warning or a red flag.

What does Grupo Cibest S.A. do?

Grupo Cibest S.A. is a Financial Services company (Banks - Regional) based in Colombia, listed on BVC as CIBEST.CL.

When does Grupo Cibest S.A. report earnings next?

The next earnings report is expected on 2026-11-05. We re-run the checks every week, so the grade can change after it.

The grade is a risk check, not a price forecast, and not investment advice. In our 10-year test (S&P 500, 2016-2026), stocks we graded A or B fell more than 30% 2-3 times less often than D or F, without a lower average return.

Updated 2026-10-24

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