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BANCOLOMBIA S.A.-SPONS ADR (CIB) Stock Fundamental Analysis

NYSE:CIB - New York Stock Exchange, Inc. - US05968L1026 - ADR - Currency: USD

42.79  -0.65 (-1.5%)

After market: 42.7 -0.09 (-0.21%)

Fundamental Rating

2

We assign a fundamental rating of 2 out of 10 to CIB. CIB was compared to 405 industry peers in the Banks industry. CIB has a bad profitability rating. Also its financial health evaluation is rather negative. CIB has a expensive valuation and it also scores bad on growth.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

In the past 5 years CIB has always been profitable.
Each year in the past 5 years CIB had a positive operating cash flow.
CIB Yearly Net Income VS EBIT VS OCF VS FCFCIB Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 5T 10T 15T

1.2 Ratios

CIB has a better Return On Assets (1.11%) than 74.87% of its industry peers.
The Return On Equity of CIB (9.56%) is better than 65.83% of its industry peers.
Industry RankSector Rank
ROA 1.11%
ROE 9.56%
ROIC N/A
ROA(3y)1.71%
ROA(5y)1.31%
ROE(3y)15.36%
ROE(5y)11.75%
ROIC(3y)N/A
ROIC(5y)N/A
CIB Yearly ROA, ROE, ROICCIB Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 5 10 15

1.3 Margins

CIB's Profit Margin of 12.30% is on the low side compared to the rest of the industry. CIB is outperformed by 80.15% of its industry peers.
CIB's Profit Margin has improved in the last couple of years.
The Operating Margin and Gross Margin are not available for CIB so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 12.3%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y129.99%
PM growth 5Y3.47%
GM growth 3YN/A
GM growth 5YN/A
CIB Yearly Profit, Operating, Gross MarginsCIB Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 5 10 15 20

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1

2. Health

2.1 Basic Checks

The number of shares outstanding for CIB remains at a similar level compared to 1 year ago.
The number of shares outstanding for CIB remains at a similar level compared to 5 years ago.
Compared to 1 year ago, CIB has an improved debt to assets ratio.
CIB Yearly Shares OutstandingCIB Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 50M 100M 150M 200M
CIB Yearly Total Debt VS Total AssetsCIB Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 100T 200T 300T

2.2 Solvency

CIB has a Debt/Equity ratio of 0.67. This is a neutral value indicating CIB is somewhat dependend on debt financing.
CIB's Debt to Equity ratio of 0.67 is on the low side compared to the rest of the industry. CIB is outperformed by 82.16% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.67
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACCN/A
CIB Yearly LT Debt VS Equity VS FCFCIB Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 10T 20T 30T

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
CIB Yearly Current Assets VS Current LiabilitesCIB Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 5T 10T 15T

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3

3. Growth

3.1 Past

The earnings per share for CIB have decreased strongly by -38.04% in the last year.
Measured over the past years, CIB shows a quite strong growth in Earnings Per Share. The EPS has been growing by 18.14% on average per year.
Looking at the last year, CIB shows a small growth in Revenue. The Revenue has grown by 0.54% in the last year.
CIB shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 14.17% yearly.
EPS 1Y (TTM)-38.04%
EPS 3Y180.91%
EPS 5Y18.14%
EPS Q2Q%-74.72%
Revenue 1Y (TTM)0.54%
Revenue growth 3Y22.13%
Revenue growth 5Y14.17%
Sales Q2Q%-23.31%

3.2 Future

Based on estimates for the next years, CIB will show a small growth in Earnings Per Share. The EPS will grow by 2.25% on average per year.
CIB is expected to show a decrease in Revenue. In the coming years, the Revenue will decrease by -0.59% yearly.
EPS Next Y-0.08%
EPS Next 2Y-0.5%
EPS Next 3Y2.25%
EPS Next 5YN/A
Revenue Next Year-1.98%
Revenue Next 2Y-0.08%
Revenue Next 3Y-0.59%
Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
CIB Yearly Revenue VS EstimatesCIB Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 10T 20T 30T
CIB Yearly EPS VS EstimatesCIB Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 5K 10K 15K 20K 25K

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4. Valuation

4.1 Price/Earnings Ratio

Industry RankSector Rank
PE N/A
Fwd PE N/A
CIB Price Earnings VS Forward Price EarningsCIB Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
CIB Per share dataCIB EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-0.5%
EPS Next 3Y2.25%

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6

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 7.43%, CIB is a good candidate for dividend investing.
CIB's Dividend Yield is rather good when compared to the industry average which is at 3.18. CIB pays more dividend than 98.49% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.27, CIB pays a better dividend.
Industry RankSector Rank
Dividend Yield 7.43%

5.2 History

On average, the dividend of CIB grows each year by 35.00%, which is quite nice.
CIB has been paying a dividend for at least 10 years, so it has a reliable track record.
The dividend of CIB decreased in the last 3 years.
Dividend Growth(5Y)35%
Div Incr Years2
Div Non Decr Years2
CIB Yearly Dividends per shareCIB Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1 2 3

5.3 Sustainability

86.91% of the earnings are spent on dividend by CIB. This is not a sustainable payout ratio.
The dividend of CIB is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP86.91%
EPS Next 2Y-0.5%
EPS Next 3Y2.25%
CIB Yearly Income VS Free CF VS DividendCIB Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 5T 10T 15T
CIB Dividend Payout.CIB Dividend Payout, showing the Payout Ratio.CIB Dividend Payout.PayoutRetained Earnings

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BANCOLOMBIA S.A.-SPONS ADR

NYSE:CIB (2/21/2025, 8:08:58 PM)

After market: 42.7 -0.09 (-0.21%)

42.79

-0.65 (-1.5%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-19 2025-02-19/amc
Earnings (Next)05-09 2025-05-09
Inst Owners31.46%
Inst Owner Change-0.97%
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap10.29B
Analysts70.91
Price TargetN/A
Short Float %0.63%
Short Ratio1.1
Dividend
Industry RankSector Rank
Dividend Yield 7.43%
Yearly Dividend3429.08
Dividend Growth(5Y)35%
DP86.91%
Div Incr Years2
Div Non Decr Years2
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)37.37%
Min EPS beat(2)2.88%
Max EPS beat(2)71.86%
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)0
Avg Revenue beat(2)-17.53%
Min Revenue beat(2)-27.75%
Max Revenue beat(2)-7.3%
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)N/A
EPS NY rev (1m)5.28%
EPS NY rev (3m)5.28%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0.76%
Revenue NY rev (3m)0.88%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE N/A
P/S N/A
P/FCF N/A
P/OCF N/A
P/B N/A
P/tB N/A
EV/EBITDA N/A
EPS(TTM)N/A
EYN/A
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpSN/A
BVpSN/A
TBVpSN/A
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 1.11%
ROE 9.56%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 12.3%
GM N/A
FCFM N/A
ROA(3y)1.71%
ROA(5y)1.31%
ROE(3y)15.36%
ROE(5y)11.75%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y129.99%
PM growth 5Y3.47%
GM growth 3YN/A
GM growth 5YN/A
F-Score4
Asset Turnover0.09
Health
Industry RankSector Rank
Debt/Equity 0.67
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 166.85%
Cap/Sales 5.52%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score4
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)283.7%
Cap/Depr(5y)257.71%
Cap/Sales(3y)10.59%
Cap/Sales(5y)9.86%
Profit Quality(3y)137.98%
Profit Quality(5y)854.75%
High Growth Momentum
Growth
EPS 1Y (TTM)-38.04%
EPS 3Y180.91%
EPS 5Y18.14%
EPS Q2Q%-74.72%
EPS Next Y-0.08%
EPS Next 2Y-0.5%
EPS Next 3Y2.25%
EPS Next 5YN/A
Revenue 1Y (TTM)0.54%
Revenue growth 3Y22.13%
Revenue growth 5Y14.17%
Sales Q2Q%-23.31%
Revenue Next Year-1.98%
Revenue Next 2Y-0.08%
Revenue Next 3Y-0.59%
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year-63.57%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-104.64%
FCF growth 3Y19.95%
FCF growth 5Y257.26%
OCF growth 1Y-83.58%
OCF growth 3Y19.48%
OCF growth 5Y78.98%