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Company Analysis

BanColombia S.A. CIB

A comprehensive view of key metrics, scores, and financial health for BanColombia S.A.

Overview of Bancolombia S.A.

CIB NYQ
Financial Services Banks - Regional Framework: Banks & Lenders Large Cap
Bancolombia S.A. (CIB), is a Large Cap company, in the Banks - Regional industry, last closed at $92.07, about 3.9% undervalued vs fair value, +52.8% 1Y return, ranked 302/1078 in sector.
Metrics P/E 30.7× Rev Growth 5.1% ROE 9.2% Gross Margin 95.1% Div Yield 9.08%
USD 92.07
0.05%
(Delayed)
• Vol 90d: 29.8%
52-Week Range
Market Cap
$21.89B
Enterprise Value
$17.84B
Overall Score
View breakdown
Overall
Growth
Fair
Profitability
Fair
Health
Weak
Efficiency
Weak
Valuation
Fair
Growth
Fair
Profitability
Fair
Health
Weak
Efficiency
Weak
Valuation
Fair
Completeness: 94%
Confidence: 95%
Updated: Oct 31
Top Beats
No strong beats yet

Quick Facts

Website https://www.grupocibest.com
HQ Medellín
Employees 33,951
Fiscal year Dec 31

Next Events

Earnings Nov 9 Call: Nov 10

Fair Value Snapshot

Bear Base Bull
$53
$96
$179
Current: $92.07 +4% vs base

Engine Room Money Flow™

Large Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
COP 30.1T
-3.6%%
Interest Expense
COP 12.1T
Net Interest Income
COP 18.0T
2.8%%
Total Revenue
COP 27.6T
5.1%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
5.2%
Poor

Net Income / Equity - key bank profitability metric

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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

COP 5.6T
273.1% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
1
Active Leaks
1/1
Improving
0
High Impact
1
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating BanColombia S.A.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
52
/100
Moderate
Scores based on quantitative metrics and qualitative factors
Full moat analysis

Key strengths

  • Disciplined Risk Management Risk management appears disciplined (asset quality score 0.95).

Key risks

  • Revenue Concentration Risk Revenue concentration is concerning (growth stability 0.27).

The dashed ring is the peer median. Defense scores are percentile ranks against peers, so 50 is roughly the typical company in this group.

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Deposit Franchise

Developing
42
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Signals, strengths and risks for Deposit Franchise

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Signals, strengths and risks for Lending Advantage

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Signals, strengths and risks for Capital Strength

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Signals, strengths and risks for Cost Discipline

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Signals, strengths and risks for Revenue Diversification

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Signals, strengths and risks for Risk Management

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 88% Coverage
Trade-Off Triangle Visualization A ternary plot showing CIB's balance between Growth (16.1%), Profitability (44.8%), and Safety (39.1%). Growth 16% Safety 39% Profitability 45%

Click axes to expand details. Marker shows current allocation.

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Growth

19th percentile vs peers
19
Key Signals
Asset Growth YoY 2.0% 29p NII Growth YoY 2.8% 23p EPS Growth YoY -60.6% 8p Equity Growth YoY -8.7% 6p
Strengths
  • Net Interest Margin in top 20% of peers (4.7%, 91th percentile)
Risks
  • Growth in bottom 20% of peers (percentile: 19)
  • EPS Growth YoY in bottom 20% of peers (-60.6%)
  • Equity Growth YoY in bottom 20% of peers (-8.7%)

Profitability

53th percentile vs peers
54
Key Signals
Strengths
Risks
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Safety

47th percentile vs peers
47
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for BanColombia S.A..

Loading valuation model...
Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$95.63
- - -
+3.9% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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