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Grupo CibestBOG:CIBEST -0.10%82 Debt-to-Equity is 0.50 as of Mar. 2026, which is 55% below its 10-year median of 1.10. GuruFocus rates BOG:CIBEST with a GF Score™ of 82/100 and a GF Value™ of COP68,534.08 (Modestly Overvalued). The stock has 3 warning signs investors should review. Among 1,426 Banks companies, Grupo Cibest ranks better than 53.65% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for Grupo Cibest's Debt-to-Equity or its related term are showing as below:
BOG:CIBEST'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.46 Med: 1.1 Max: 1.97
Current: 0.5
During the past 13 years, the highest Debt-to-Equity Ratio of Grupo Cibest was 1.97. The lowest was 0.46. And the median was 1.10.
BOG:CIBEST's Debt-to-Equity is ranked better than 53.65% of 1426
companies
in the Banks industry
Industry Median: 0.56
vs BOG:CIBEST: 0.50
Grupo Cibest (BOG:CIBEST) Debt-to-Equity Explanation
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
Grupo Cibest Debt-to-Equity Related Terms
Grupo Cibest Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for Grupo Cibest's Debt-to-Equity can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Banks - Regional subindustry, Grupo Cibest's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity 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 Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Grupo Cibest's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Grupo Cibest's Debt-to-Equity falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Grupo Cibest (BOG:CIBEST) has a Debt-to-Equity of 0.50 as of Mar. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Grupo Cibest and its competitors. This is 55% below median its historical median of 1.10. Over the past decade, Grupo Cibest's Debt-to-Equity has ranged from 0.46 to 1.97. According to the industry distribution chart, Grupo Cibest ranks #661 out of 1426 companies in the Banks industry, placing it in the top 46.4%.
Is Grupo Cibest's Debt-to-Equity too high?
Grupo Cibest's current Debt-to-Equity of 0.50 is 55% below median its 10-year median of 1.10. Over the past 10 years, this metric has ranged from a low of 0.46 to a high of 1.97. The Banks industry median Debt-to-Equity is 0.56. Grupo Cibest's value of 0.50 is 10.7% below this industry median. Based on the distribution chart, Grupo Cibest ranks #661 out of 1426 companies in the Banks industry, which is above the industry midpoint. Overall, Grupo Cibest has a GF Score™ of 82/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Grupo Cibest's Debt-to-Equity compare to PNC and USB?
According to the Banks industry distribution chart, Grupo Cibest ranks #661 out of 1426 companies for Debt-to-Equity. This puts Grupo Cibest in the upper half of its industry. The industry median Debt-to-Equity is 0.56. Grupo Cibest's value of 0.50 is 10.7% below this benchmark. Historically, Grupo Cibest's own Debt-to-Equity has ranged from 0.46 to 1.97 over the past decade. While the company's 10-year median is 1.10 vs. the industry median of 0.56, 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 Debt-to-Equity for a Banks company?
The median Debt-to-Equity among Banks companies is 0.56, based on 1,426 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Grupo Cibest's current Debt-to-Equity of 0.50 is 10.7% 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 Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Grupo Cibest and its competitors. For the Banks industry, the median Debt-to-Equity is 0.56 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Grupo Cibest's current Debt-to-Equity is 0.50, which is 55% below median its own 10-year median of 1.10. 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 Modestly Overvalued. The stock's GF Value™ is COP68,534.08, compared to a current price of COP81,000.00 — trading 18.2% above its estimated fair value. The current Debt-to-Equity is 0.50, which is 55% below median its 10-year median of 1.10 and 10.7% below the Banks industry median of 0.56. Grupo Cibest's overall GF Score™ is 82/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For Grupo Cibest (BOG:CIBEST), the current Debt-to-Equity is 0.50 as of Mar. 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 COP81,000.00 is trading 18.2% above its estimated GF Value™ of COP68,534.08.
GuruFocus considers Grupo Cibest to be Modestly Overvalued.
Key valuation signals for BOG:CIBEST:
Debt-to-Equity: 0.50 (55% below median its 10-year median of 1.10)
GF Value™: COP68,534.08 vs. price of COP81,000.00 (18.2% above fair value)
Industry Position: 10.7% below the Banks median (#661 of 1426)
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.
82GF Score
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