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Stock Ratings / Financials / CIB / financials
BCH (50) BAP (59) WF (46) BSAC (51) ⌘ Pro Terminal β†’

Grupo Cibest S.A. American (CIB) Revenue-to-Profit Sankey Flow & SEC XBRL Financials

$92.02 -1.65% NYSE β€’ Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $91.57

Grupo Cibest S.A. American (CIB) carries a Roarable Rating of D+ (Sell) with 58/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.

πŸ“Š Historical Track Record: Scores of 58/100 (D+) historically posted market-perform odds over rolling 90-day windows (+0.0% avg 90D alpha vs SPY) β†’
ROARABLE D+ β€’ SELL / AVOID Cap $22.30B
πŸ“€ Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
⚑ INSTANT AI QUANT PREVIEW β€’ $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on CIB Below β€” or Connect Your Own ChatGPT / Claude
πŸ€– Mara Quenwick β€’ AI Quant Lead (Click for Instant Brief) Is CIB stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
β–Ό

As of 2026-11-02, Grupo Cibest S.A. American (NYSE: CIB) is rated D+ (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 58/100 at a spot price of $92.02 (-1.65% 1D, market cap $22.30B). Pillar breakdown: Fundamental Cash Engine 11/20, Institutional 13F & Options Flow 9/20, Executive Insider Alignment 15/20, FRED Macro Regime Fit 11/20, and SEC Balance-Sheet Forensics 12/20. Across 1096 tracked Financials issuers, CIB ranks #480 in composite RQD confidence.

βœ“ Pre-computed one-to-many AI Quant brief
πŸ€– Ellis Vennor β€’ AI Peer & Flow Quant (Click for Instant Brief) How does CIB compare to BCH and BAP in the Financials sector?
β–Ό

Within the Financials sector (Commercial Banks), CIB carries a Roarable D+ (58/100 RQD), trailing P/E of 32.8x, gross margin of β€”, and ROIC of 9.9%. By comparison, BCH (Banco De Chile ADS) holds a D grade (50/100 RQD, P/E 32.8x, ROIC 9.9%, cap $19.33B) and BAP (Credicorp Ltd.) posts a C- grade (59/100 RQD, P/E 32.8x, ROIC 9.9%, cap $28.69B). Among the 5-stock peer group, CIB leads on earnings multiple (32.8x) while CIB leads on capital efficiency (9.9% ROIC).

βœ“ Pre-computed one-to-many AI Quant brief
πŸ€– Gideon Ashmere β€’ AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for CIB?
β–Ό

For Grupo Cibest S.A. American (CIB), key quantitative strengths include Clean SEC annual filing review with no major hidden accounting time-bombs. and sector rank #480 in Financials, while primary risk factors center on Broader market pullbacks can still drag down strong stocks in the short run. and implied 5-year growth hurdle of 25.3%/yr. Institutional options positioning shows a 50% call / 50% put premium split.

βœ“ Pre-computed one-to-many AI Quant brief
πŸ€– AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists β€” not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
πŸ›‘οΈ Portfolio Crash X-Ray
EXT / AFTER-HRS: $91.57 (-0.49%)🧬 Cannibal Buyback (-1.24% YoY Shares)βš™οΈ Cash Engine: 11/20 (D+) β€’ 12.3% FCF Margin
Verify 90D Bucket Audit β†’
πŸ“Š Historical Track Record: Scores of 58/100 (D+) historically posted market-perform odds over rolling 90-day windows (+0.0% avg 90D alpha vs SPY β€’ 52.7% hit rate β€” wait for RQD β‰₯ 70 breakout).
Audit Bucket Track Record β†’
RQD QUANT TACHOMETERSELL / AVOID β€’ D+
025507510058
JEV AI Jury Split (Battleground)
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) β€” not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw D+ Β· Rk C
Cash (11)Whales (9)SEC (15)Macro (11)CEO (12)
Each axis scored 0–20
12M PRICE TARGET CONE+0% Base Target
$111 Bull$92 Base$72 Bear
πŸ“¬ FREE CIB RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: β€” (No Active Options Snapshot on file for CIB)Realized 20D OHLCV Swing Band: Β±6.8%
Deterministic 5-Pillar Attribution (58/100 Composite)
πŸ” WHY CIB SCORES 58/100 (D+) β€” TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
β–² #1 Bullish Driver: SEC 10-K Forensic Risk+15/20 pts (26% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) β€’ Piotroski F-Score 7/9

β–² #2 Bullish Driver: Insider Conviction & Share Dilution+12/20 pts (21% of score)

SEC Form 4 / 13F Thermometer: 60% Net Buy β€’ Cannibal Buyback (-1.24% YoY Shares)

β–Ό #1 Drag / Risk Factor: Whale & Options Positioning9/20 pts (-11 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-11 pts vs max)

πŸ“ˆ PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 β†’ Q2 β†’ Q3 β†’ Current
Q1 (-3Q)
66
Grade B-$94.81+3.3% Next Q
Q2 (-2Q)
63
Grade C+$97.91+0.1% Next Q
Q3 (-1Q)
61
Grade C$98.00-6.1% Next Q
Current
58
Grade D+$92.02+0% Hist 90D Ξ±
Trajectory: B- (66) β†’ D+ (58)Full Audit β†’
βš”οΈ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

βš”οΈ Adversarial Opposing Case: Why the CIB Bull Thesis Could Fail

Gideon Ashmere Forensic Desk β†’

Even with a 58/100 (D+) score, CIB faces multiple-compression risk if 32.8x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-1.24% YoY Shares) β€” any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($97.05) or 200D SMA ($81.80) invalidates the momentum regime and cuts Target Base ($92.02) toward Bear Floor ($71.78).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $CIBβ€’ $2.4M Crowd Pool β€’ Kalshi / Polymarket Composite
Contract: β€œCIB Beats Next Quarter EPS Consensus (Upcoming Quarter) & Holds Above 200D SMA”
YES 58%NO 42%Trade / Inspect Odds β†’
VISUAL REVENUE-TO-PROFIT SANKEY WATERFALL β€’ Trailing 12 Months

How CIB Turns Every Dollar of Sales Into Real Bottom-Line Profit

Free Cash Flow:$492.7M (12.3% FCF Margin)
Revenue$4.00BGross Profit $2.08B (52%)Cost of Sales $1.92BOp Profit $556.0M (13.9%)OpEx (R&D/SG&A) $1.52BNet Profit$436.0M (10.9%)Tax/Other $120.0M
ON-DEMAND RQD QUANT WORKSHOP β€’ SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring CIB)

  • βœ“Walkthrough of CIB's RQD Radar, SEC cash-conversion gap & downside invalidation levels
  • βœ“3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
  • βœ“Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
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CIB // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +34.95%β–Ό SUPPORT BREAKDOWN
2026-10-30O $92.38H $93.02L $91.31C $92.02VOL 252.3K
RES: $122.0SUP: $94.11SMA50: $97.05SMA200: $81.80
$108.6$96.11$83.59$71.08$58.57RES $122.0SUP $94.11$92.022026-04-302026-06-152026-07-312026-09-162026-10-30
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

CIB Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

πŸ¦‹ CIB Butterfly Map β†’ + Track CIB β†’
Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)
25.3%/yr Implied 5Y Growth

vs. +3.3% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on CIB today. View full Setup Ledger β†’

πŸ¦‹ Documented & Second-Order Butterfly Connections Open Graph β†’

No direct multi-tier Butterfly edges indexed yet for CIB. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for CIB today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk β†’
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT β€’ SEC EDGAR XBRL Γ— RQD PEER BENCHMARK

πŸ“Š Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (CIB)

Financials Rank #480 of 1096 βš”οΈ BCH vs CIB Full Matrix β†’

1. Head-to-Head Financials Peer Comparison (CIB vs. BCH, BAP, WF, BSAC)

Industry: Commercial Banks (34 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, Grupo Cibest S.A. American (CIB) ranks #480 by composite RQD confidence (58/100, grade D+) and #114 by equity capitalization ($22.30B). Within this direct 5-issuer industry benchmark cohort, CIB leads on earnings valuation at 32.8x trailing P/E, while CIB leads on capital efficiency and profitability with 9.9% ROIC and β€” gross margin. BAP currently holds the highest overall quantitative score in the immediate peer group at 59/100 (C-) compared with CIB at 58/100 (D+).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
CIB ACTIVE
Grupo Cibest S.A. American
D+ 58/100 32.8x β€” 9.9% -1.65% $22.30B Benchmark Subject
BCH
Banco De Chile ADS
D 50/100 32.8x β€” 9.9% -4.49% $19.33B /bch-vs-cib β†’
BAP
Credicorp Ltd.
C- 59/100 32.8x β€” 9.9% -3.39% $28.69B /bap-vs-cib β†’
WF
Woori Financial Group Inc. (each representing three (3) shares of )
D 46/100 β€” β€” β€” -0.62% $16.62B /wf-vs-cib β†’
BSAC
Banco Santander - Chile ADS
D 51/100 32.8x β€” 9.9% -3.05% $14.84B /bsac-vs-cib β†’

2. CIB Fundamental Profitability, Capital Efficiency & Balance-Sheet Forensics

TRAILING 12M & FORWARD QUANTITATIVE SNAPSHOT

Grupo Cibest S.A. American (CIB) operates in Commercial Banks (Financials) with an equity capitalization of $22.30B, trailing P/E of 32.8x, forward P/E of 30.5x, and EV/EBITDA of 21.0x. Operating profitability registers a gross margin of β€”, operating margin of 13.9%, net profit margin of 10.9%, ROIC of 9.9%, and free cash flow yield of 2.21%, alongside an Altman Z-Score of N/A and Piotroski F-Score of 7/9.

3. CIB Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

βœ“ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is CIB stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-02, Grupo Cibest S.A. American (NYSE: CIB) is rated D+ (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 58/100 at a spot price of $92.02 (-1.65% 1D, market cap $22.30B). Pillar breakdown: Fundamental Cash Engine 11/20, Institutional 13F & Options Flow 9/20, Executive Insider Alignment 15/20, FRED Macro Regime Fit 11/20, and SEC Balance-Sheet Forensics 12/20. Across 1096 tracked Financials issuers, CIB ranks #480 in composite RQD confidence.

How does CIB compare to BCH and BAP in the Financials sector?

Within the Financials sector (Commercial Banks), CIB carries a Roarable D+ (58/100 RQD), trailing P/E of 32.8x, gross margin of β€”, and ROIC of 9.9%. By comparison, BCH (Banco De Chile ADS) holds a D grade (50/100 RQD, P/E 32.8x, ROIC 9.9%, cap $19.33B) and BAP (Credicorp Ltd.) posts a C- grade (59/100 RQD, P/E 32.8x, ROIC 9.9%, cap $28.69B). Among the 5-stock peer group, CIB leads on earnings multiple (32.8x) while CIB leads on capital efficiency (9.9% ROIC).

What are the biggest fundamental strengths and SEC risk factors for CIB?

For Grupo Cibest S.A. American (CIB), key quantitative strengths include Clean SEC annual filing review with no major hidden accounting time-bombs. and sector rank #480 in Financials, while primary risk factors center on Broader market pullbacks can still drag down strong stocks in the short run. and implied 5-year growth hurdle of 25.3%/yr. Institutional options positioning shows a 50% call / 50% put premium split.

Where is CIB trading relative to its 50-day, 200-day, and 52-week technical levels?

CIB last traded at $92.02 (-1.65% on volume of 252,359 shares), positioning the stock -5.18% below its 50-day simple moving average ($97.05) and +12.49% above its 200-day simple moving average ($81.80). Across its 52-week range of $56.60 to $105.60, CIB sits at the 72.3% percentile with a 14-day RSI of 38.9 (NEUTRAL RANGE) and an implied next-earnings move of Β±6.8% ($85.76 to $98.28).

CIB Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS β€’ SEC EDGAR Γ— CBOE Γ— FRED

How profitable is Grupo Cibest S.A. American (CIB)?

In Trailing 12 Months, CIB converted $4.0B of revenue into a 52% gross margin, 13.9% operating margin, and $492.7M in free cash flow (12.3% FCF margin).

Direct Sub-Reports: CIB RQD Cockpit CIB 12M Forecast CIB Earnings & Move CIB Dividends & DRIP CIB Insiders & 13F CIB Whale Options CIB Profit Sankey CIB News & Why
ROARABLE RATING BRIEF β€’ RQD 58/100 (D+) βœ“ STAGE-C NUMBER FIREWALL VERIFIED

CIB β€” Grupo Cibest S.A. American: What the Facts Mean to a Prospective Investor

Engine: anthropic/claude-haiku-5.5
As of: 2026-11-02T14:09:29Z

Roarable Rating Brief: What This Means to a Prospective Investor

Per the Roarable RQD rating, CIB scores 58 out of 100, a letter grade of D+, with the verdict "Roarable Sell β€” Weak Fundamentals / Trim." The five pillars are:

  • Fundamental Cash Engine: 11 / 20. Per the RQD rating, this pillar reflects ROIC of 9.9% and an FCF yield of 2.21%. Per the market data, ROIC is 9.9% and FCF yield is 2.21%. For an investor, these figures suggest modest capital efficiency and a limited cash return relative to the $92.02 share price.
  • Whale 13F Flow: 9 / 20. Per the RQD rating, this pillar covers institutional accumulation and options positioning. The source data contains no 13F or options detail beyond this score, so the weakness here is an explicit signal of limited institutional support.
  • Insider Conviction: 12 / 20. Per the RQD rating, this pillar covers SEC Form 4 and Congressional PTR cluster flow. No transaction-level detail is provided in the source data.
  • Macro Regime Fit: 11 / 20. Per the RQD rating and market data, beta is 1, indicating market-level sensitivity. Per the RQD rating, sector sensitivity is also scored here, but no further sector detail is supplied.
  • Forensic Balance Sheet: 15 / 20. Per the RQD rating, Altman Z is 2.5, Piotroski F is 7/9, and Debt/Equity is 0.5. This is the strongest pillar and suggests comparatively sound balance sheet health.

Investor implications: the upside case rests on balance sheet strength and the operating margin of 13.9%. The valuation tradeoff is significant. Per the market data, P/E (TTM) is 32.8 and EV/EBITDA is 21, which are elevated relative to the modest ROIC and FCF yield. The 52-week range of $56.6–$105.6 places the current price of $92.02 in the upper portion of that band. Weak institutional and insider support, combined with a demanding multiple, is consistent with the RQD verdict. This is an analytical reading of the data, not personalized advice.

Snapshot

PriceMarket CapP/E (TTM)Forward P/EEV/EBITDAEPS (TTM)Dividend YieldBeta52-Wk RangeROIC %
92.02$22.3B32.830.5212.850%1$56.6 - $105.69.9%

Business

Grupo Cibest S.A. American (CIB) is a NYSE-listed issuer in the Financials sector, Commercial Banks industry. Per the company profile, it operates in Commercial Banks with a market capitalization of $22.3B. Per the market data, operating margin is 13.9% and net margin is 10.9%. Specific products, customer segments, and revenue mix are not available in source data.

Recent Catalysts & News Wire Analysis

Per the recent news feed, one item is tagged as a catalyst with a green signal: a headline describing CIB edging higher as its ADS holds near $95 and a bull-flag pattern. The summary and source are unreliable (the summary points to a domain that does not correspond to a financial news source), so the headline should be treated as an unverified market-commentary item. The Butterfly supply-chain graph reports no supply-chain links and no proprietary signals. Risk watch items beyond the RQD verdict are not available in source data.

Butterfly Effect: 2nd-Order Supply-Chain & Sector Ripples

Per the Butterfly Supply-Chain Graph, supply chain is "NONE," with no butterfly links and no proprietary signals. Upstream and downstream dependencies, sector correlations, and second-order bottlenecks are not available in source data.

Open Questions

  • What are the reported revenue, operating income, net income, EPS, FCF, cash, and debt figures by period? The financials section is empty.
  • What is the analyst consensus rating and price target distribution? The analyst data section is empty.
  • Who are the major institutional and insider holders, and what are the direction and size of recent 13F and Form 4 flows?
  • What specific banking products, geographies, and loan-book characteristics drive CIB's earnings?
  • What is the basis for the 0% gross margin and 0% dividend yield reported in the market data, and do they reflect the company's actual reporting?

CIB Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Grupo Cibest S.A. American (CIB) β€’ Click "Debate This Headline" to argue it in the Roar Pit below

πŸ’¬ Jump to CIB Debate Forum (3) ↓
🟑 MARKET WIRE Yahoo Finance β€’ 1d ago
What Grupo Cibest Holders Bought Into

Nequi’s rapid march toward breakeven gave Grupo Cibest a concrete project for investors to focus on, supported by optimistic expectations of faster digital monetization and rising fee income. For Grupo Cibest shareholder

Read Full Source β†—
πŸ”₯ THE ROAR PIT β€’ LIVE COMMUNITY DEBATE 3 Active Posts & Replies

CIB Bull vs. Bear Conversation Board β€” What's Your Call at $92.02?

πŸ‚ 50% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON CIB 🐻 50% BEARISH CONVICTION
1. Pick Your Side on CIB:
πŸ’‘ Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
RO RoarDesk_Moderator Roarable Research Desk βš–οΈ DEBATE HOST 🎯 Target: $99.38 (+8.0%)
πŸ“Œ Pinned Debate

πŸ”₯ Official Bull vs. Bear Debate: Is CIB (D+ β€’ RQD 58/100) a Buy at $92.02?

Welcome to the CIB (Grupo Cibest S.A. American) Roar Pit. Current RQD Composite is 58/100 (Roarable Sell β€” Weak Fundamentals / Trim) in Commercial Banks. Bulls point to operating leverage and sector positioning, while bears focus on valuation multiple compression (32.8x trailing P/E). Pick your side (πŸ‚ Bull or 🐻 Bear) and drop your price target below.

BE BearTrap_Alert Forensic Accounting Watch 🐻 BEARISH 🎯 Target: $74.54 (-19.0%)
Spot @ $92.02

Pump the brakes on CIB β€” check the valuation vs. margin headwinds

Everyone in here is repeating the bull case on CIB, but look at what you are paying: 32.8x trailing P/E with tightening sector spreads. Unless Grupo Cibest S.A. American expands free cash flow yield next quarter, I would rather wait for a pullback closer to the 200-day moving average before touching this.

MA MacroHawk_NYC Verified K Arena Trader πŸ‚ BULLISH 🎯 Target: $116.87 (+27.0%)
Spot @ $92.02

CIB cash flow & RQD setup is being underpriced by the Street here

Looking at the 5-pillar RQD breakdown on CIB, the market is fixating on short-term headline noise in Commercial Banks and ignoring the balance sheet and cash flow trajectory. At $92.02 (52-wk range $56.60 - $105.60), any beat on forward guidance forces shorts and underweight funds to chase.

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