Grupo Cibest S.A. (PFCIBEST.CL) stock analysis
In our weekly check, Grupo Cibest S.A. is graded B (A to F). Of 25 checks on debt, profit, cash flow and trend: 17 pass, warnings: 3, red flags: 5.
About Grupo Cibest S.A.
Grupo Cibest S.A. is a Financial Services company (Banks - Regional) based in Colombia, listed on BVC as PFCIBEST.CL.
What our checks show for PFCIBEST.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 2.3% a year.
- Recovering from its deepest fall took about 5.4 years.
- Return on capital (ROCE) is only 3%.
Warning signs
- Revenue grew only 2.4% a year over the last 3 years.
- The stock has fallen as much as 55% from a peak. Would you have held through that?
- Thinly traded (about 406 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 40% a year over the next years.
- Analysts expect the net margin to improve by 9.9 points from today's 16.8%.
- Earnings per share grew 1644% a year over the last 3 years.
- Net profit grew 1534% a year over the last 3 years.
- Free cash flow is 31.9% of revenue: cash for dividends, buybacks or growth.
Similar companies
KEY · RF · FCNCA · CFG · BCH · EWBC
Questions
What grade does Grupo Cibest S.A. (PFCIBEST.CL) have?
In our weekly check, Grupo Cibest S.A. is graded B (A to F). Of 25 checks on debt, profit, cash flow and trend: 17 pass, warnings: 3, red flags: 5. The grade is a risk check, not a buy or sell recommendation.
What are the main risks of PFCIBEST.CL stock?
This week's biggest flags for Grupo Cibest S.A.: Gross margin falling, Weak revenue forecast, Slow recovery after falls. In total 8 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 PFCIBEST.CL.
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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