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Grupo CibestBOG:CIBEST -1.48%63 3-Year Book Growth Rate is 0.90% as of Jun. 2026, which is 93% below its 10-year median of 13.30. GuruFocus rates BOG:CIBEST with a GF Score™ of 63/100 and a GF Value™ of COP50,369.56 (Significantly Overvalued). The stock has 4 warning signs investors should review. Among 1,495 Banks companies, Grupo Cibest ranks worse than 89.5% on this metric.
During the past 12 months, Grupo Cibest's average Book Value per Share Growth Rate was -6.00% per year.
During the past 3 years, the average Book Value per Share Growth Rate was 0.90% per year.
During the past 5 years, the average Book Value per Share Growth Rate was 8.80% per year.
During the past 10 years, the average Book Value per Share Growth Rate was 8.60% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
During the past 13 years, the highest 3-Year average Book Value per Share Growth Rate of Grupo Cibest was 36.10% per year. The lowest was -20.40% per year. And the median was 13.30% per year.
Grupo Cibest (BOG:CIBEST) 3-Year Book Growth Rate Explanation
Book Value per Share is the ratio of equity available to common shareholders divided by the shares outstanding. Book value per share effectively indicates a firm's net asset value on a per-share basis. It can be used by investors to gauge whether a stock price is undervalued by comparing it to the firm's market value per share. Theoretically, it is what the shareholders will receive if the company is liquidated.
Grupo Cibest 3-Year Book Growth Rate Related Terms
BOG:CIBEST vs PNC, USB: 3-Year Book Growth Rate Comparison
For the Banks - Regional subindustry, Grupo Cibest's 3-Year Book Growth Rate, along with its competitors' market caps and 3-Year Book Growth Rate data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Grupo Cibest 3-Year Book Growth Rate vs Banks Industry
For the Banks industry and Financial Services sector, Grupo Cibest's 3-Year Book Growth Rate distribution charts can be found below:
* The bar in red indicates where Grupo Cibest's 3-Year Book Growth Rate falls into.
This is the 3-year average growth rate of Book Value per Share. The growth rate is calculated using exponential compounding based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
What does a 3-Year Book Growth Rate of 0.90% mean?
Grupo Cibest (BOG:CIBEST) has a 3-Year Book Growth Rate of 0.90% as of Jun. 2026. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for Grupo Cibest and its competitors. This is 93% below median its historical median of 13.30. According to the industry distribution chart, Grupo Cibest ranks #1338 out of 1495 companies in the Banks industry, placing it in the top 89.5%.
Is Grupo Cibest's 3-Year Book Growth Rate too high?
Grupo Cibest's current 3-Year Book Growth Rate of 0.90% is 93% below median its 10-year median of 13.30. The Banks industry median 3-Year Book Growth Rate is 8.70. Grupo Cibest's value of 0.90% is 89.7% below this industry median. Based on the distribution chart, Grupo Cibest ranks #1338 out of 1495 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Grupo Cibest has a GF Score™ of 63/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Grupo Cibest's 3-Year Book Growth Rate compare to PNC and USB?
According to the Banks industry distribution chart, Grupo Cibest ranks #1338 out of 1495 companies for 3-Year Book Growth Rate. This places Grupo Cibest in the lower half of its industry. The industry median 3-Year Book Growth Rate is 8.70. Grupo Cibest's value of 0.90% is 89.7% below this benchmark. While the company's 10-year median is 13.30 vs. the industry median of 8.70, Grupo Cibest has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year Book Growth Rate for a Banks company?
The median 3-Year Book Growth Rate among Banks companies is 8.70, based on 1,495 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year Book Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year Book Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Grupo Cibest's current 3-Year Book Growth Rate of 0.90% is 89.7% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 3-Year Book Growth Rate mean?
A high 3-Year Book Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for Grupo Cibest and its competitors. For the Banks industry, the median 3-Year Book Growth Rate is 8.70 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Grupo Cibest's current 3-Year Book Growth Rate is 0.90%, which is 93% below median its own 10-year median of 13.30. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Grupo Cibest stock overvalued right now?
Based on GuruFocus' analysis, Grupo Cibest (BOG:CIBEST) is currently considered Significantly Overvalued. The stock's GF Value™ is COP50,369.56, compared to a current price of COP86,600.00 — trading 71.9% above its estimated fair value. The current 3-Year Book Growth Rate is 0.90%, which is 93% below median its 10-year median of 13.30 and 89.7% below the Banks industry median of 8.70. Grupo Cibest's overall GF Score™ is 63/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year Book Growth Rate calculated?
3-Year Book Growth Rate is calculated from a company's financial statements. For Grupo Cibest (BOG:CIBEST), the current 3-Year Book Growth Rate is 0.90% as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Grupo Cibest (BOG:CIBEST) Overvalued in 2026?
Based on GuruFocus' analysis, Grupo Cibest stock appears to be overvalued.
The current stock price of COP86,600.00 is trading 71.9% above its estimated GF Value™ of COP50,369.56.
GuruFocus considers Grupo Cibest to be Significantly Overvalued.
Key valuation signals for BOG:CIBEST:
3-Year Book Growth Rate: 0.90% (93% below median its 10-year median of 13.30)
GF Value™: COP50,369.56 vs. price of COP86,600.00 (71.9% above fair value)
Industry Position: 89.7% below the Banks median (#1338 of 1495)
No single metric tells the full story. See the BOG:CIBEST stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Grupo Cibest SA is a full service financial group offering a broad range of financial products and services to a diversified individual and corporate clients through subsidiaries. Its network also includes offshore banking subsidiaries in Panama and Puerto Rico, as well as other adjacent businesses. Its products and services include Savings and Investment, Financing, Factoring, Financial and Operating Leases, Capital Markets, Trading, Cash Management, Foreign Currency and Trade Finance, Bancassurance and Insurance, Investment Banking, Trust and Fiduciary Services, Mortgage Lending Business, among others. Its segments include Banking Colombia, Banking El Salvador, Banking Guatemala, International Banking, Leases, All Other and Banking Panama.
63GF Score
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3-Year Book Growth Rate is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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