An entry written while the outcome is still unknown. It will be scored by what the market does next, and it will never be edited to look cleverer than it was.
In plain words · Grupo Cibest S.A., together with its subsidiaries, provides various banking products and services in Colombia and internationally.
VERDICT
The label
Markup
read at $89.07
Grupo Cibest S.A. holds its Markup at $89.07.
PHPhase · the trend structure carries the Markup label
INInsiders · no filings inside 60 days, left as found
POPositioning · no disclosures inside 60 days, left as found
OPOptions · no verdict drawn today, left as found
SCScreen · does not pass the values gate
edge confirmed
edge broken
edge forming
Each arm is one independent read. Conviction is not a single call, it is how many edges converge.
INVESTOR
The investor read · the season, not the day
As held on the ledger · 2026-07-29
Phase
Markup
Quantitative state
Consolidating, no directional conviction, held for 2 days
Price
$89.07
Valuation
10.48 trailing · 8.42 forward price to earnings
Values screen
FAIL· score 30.0
Beta
0.47
OPPORTUNITY
The opportunity · what the numbers say it is worth
Read at
$89.07
10.48 P/E · 8.42 fwd
Our fair value
$92.50
4% discount
Analyst target (avg)
$74.00
-17% to current
Target low $28.60Analyst target rangeTarget high $98.00
▲ current $89.07 · | average target
Price history & projections · where it has been, where the models see it going
The valuation journey · where the price sits against fair value and the Street
Current
$89.07
you are here
Conservative
$92.50
+4%
Analyst avg
$74.00
-17%
Our fair value
$92.50
+4%
Analyst high
$98.00
+10%
Green marks levels above today's price, red below; the shaded band is the gap between the price and our fair value.
Reading the gap · Our model sees value the Street hasn't fully caught up to yet.
Revenue growth
10.80%
Profit margin
14.68%
Analyst consensus
Hold · 11 covering
Fair value and rating are our own model estimates; target range reflects third-party analyst estimates. Analysis, not advice.
SCREEN
The values screen, explained · five checks, plain English
Does not pass. Prohibited keyword in sector/industry: bank
Business activityProhibited keyword in sector/industry: bankFail
Debt loadInterest-bearing debt is of its assets, above the one-third ceiling the screen allows.Fail
Interest-bearing cashInterest-bearing cash and securities are of assets, above the one-third limit.Fail
ReceivablesMoney owed to the company is of assets, above the 49% limit.Fail
Revenue purity of revenue comes from non-compliant sources, over the 5% line.Fail
Every security is read against two recognised standards: our stricter asset-based screen (ratios measured against total assets) and the more widely used market-value standard (measured against market capitalisation). Where they agree we say so plainly; where they part ways — almost always on the debt check — we show both readings and mark it, because that disagreement is the finding, not a fault. We report the score; you and your scholar make the call.
PLAIN
The business, in plain words · what the numbers mean
Colombian Banking Looks Cheap Until Ethics Bite
Picture a shop owner in Medellín needing working capital or a family sending money home from abroad. The cash moves through local banks such as Grupo Cibest that handle deposits, loans and transfers across Colombia and beyond. Those everyday flows generate steady revenue growth of 11 percent and a 17 percent return on equity.
We pass on this name outright. The ethical screen flags the entire banking sector as off limits, so the forward multiple of 8.2 times earnings, 15 percent profit margin and slim margin of safety above current prices never come into play. Analyst consensus already sits at hold with a lower median target, and we see no reason to override the screen.
Emerging-market currency swings and credit cycles remain real threats even when multiples look modest. Peak earnings in regional banking often coincide with the lowest multiples, turning apparent value into a trap once conditions turn. Analysis, not advice.
Screened names in the same industry · explore each on its own page.
TRADE
Where & how to trade · wherever in the world you are
CIB trades on the NYSE (the company is based in Colombia). As a US-listed security it is accessible through almost any international broker offering US markets. New to this, or investing from outside the US? Our guide to accessing global markets covers brokers, currencies and the practical steps.
TRADER
The trader read · the latest dated commentary
The framework reads markup. Price is trending higher with momentum. The crowd has caught on and buyers are in control. Price has moved up 0.3% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows excellent risk-adjusted returns. Our composite framework grades it B, carrying a low risk profile. Technically it is holding around 9% above its long-term trend line with momentum reading bullish. Over the past year the shares are up 85%. Our forward projection puts the odds of a 10% gain over the next month near 36%. The street (11 analysts) rates it hold, with a mean price target of $64. Entered 2026-07-24 · Markup
JOURNAL
The dated journal · newest first, never edited
2026-07-24Markup$80.41+0.3%Entry 4
The framework reads markup. Price is trending higher with momentum. The crowd has caught on and buyers are in control. Price has moved up 0.3% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows excellent risk-adjusted returns. Our composite framework grades it B, carrying a low risk profile. Technically it is holding around 9% above its long-term trend line with momentum reading bullish. Over the past year the shares are up 85%. Our forward projection puts the odds of a 10% gain over the next month near 36%. The street (11 analysts) rates it hold, with a mean price target of $64.
2026-07-18Markup$80.20+0.0%Entry 3
The framework reads markup. Price is trending higher with momentum. The crowd has caught on and buyers are in control. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows excellent risk-adjusted returns. Our composite framework grades it B, carrying a low risk profile. Technically it is holding around 9% above its long-term trend line with momentum reading bullish. Over the past year the shares are up 85%. Our forward projection puts the odds of a 10% gain over the next month near 36%. The street (11 analysts) rates it hold, with a mean price target of $64.
2026-07-03Markup$80.20+0.0%Entry 2
The framework reads markup. Price is trending higher with momentum. The crowd has caught on and buyers are in control. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows excellent risk-adjusted returns.
2026-07-02Markup$80.20Entry 1
The framework reads markup. Price is trending higher with momentum. The crowd has caught on and buyers are in control. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows excellent risk-adjusted returns.
Each entry above was written on its date, before the outcome. A journal you can prune is not a journal.
POLITICAL
The political ledger · congressional disclosures
Disclosures naming CIB
Date
Politician
Party
Type
Amount
27 May2026
Ro Khanna
Democrat
buy
1K–15K
15 Jun2026
David Taylor
Republican
buy
1K–15K
RETURNS
What holding actually paid · price plus dividends
If $1,000 had been placed · historical, not a promise
Period
Price then
Price return
Divs per share
$1,000 became
Total return
1 month
$64.31
+18.6%
·
$1,186
+18.6%
2 months
$74.57
+2.3%
·
$1,023
+2.3%
3 months
$65.01
+17.3%
$1.22
$1,192
+19.2%
6 months
$63.06
+21.0%
$1.22
$1,229
+22.9%
1 year
$41.33
+84.6%
$1.22
$1,875
+87.5%
2 years
$25.12
+203.7%
$12.70
$3,542
+254.2%
3 years
$18.41
+314.5%
$16.23
$5,026
+402.6%
5 years
$17.49
+336.2%
$20.22
$5,519
+451.9%
Historical returns from market close data. Past performance does not guarantee future results.
SEALED
This entry now belongs to the ledger. Whatever CIB does next, these words stay.
Grupo Cibest S.A. · CIB · Markup · $89.07
Recorded 2026-07-29 · before the outcome · scored mechanically
