Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Grupo CibestBOG:CIBEST +2.38%83 Intrinsic Value: DCF (FCF Based) is COP322,356.12 as of Aug. 03, 2026, which is 100% below its 10-year median of 0.29. GuruFocus rates BOG:CIBEST with a GF Scoreâ„¢ of 83/100 and a GF Valueâ„¢ of COP69,047.36 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 525 Banks companies, Grupo Cibest ranks better than 77.14% on this metric.
Note: Discounted Cash Flow model is only suitable for predictable companies (Business Predictability Rank higher than 1-Star). If the company's predictability rank is 1-Star or Not Rated, result may not be accurate due to the low predictability of business and the data will not be stored into our database.
1. The DCF model evaluates a company based on its future earnings power
2. Growth is taken into account; therefore a faster growth company is worth more if everything else is the same.
3. Since we are projecting future growth, it is assumed that the company will grow at the same rate as it did during the past 10 years. Therefore this model works better for the companies that have relatively consistent performance.
4. The DCF model works poorly for inconsistent performers such as cyclicals.
5. What discount rate should you use? Your expected return from the investment is a good discount rate assumption.
6. A larger margin of safety should be required for companies with less predictable businesses.
Grupo Cibest Intrinsic Value: DCF (FCF Based) Related Terms
Grupo Cibest Intrinsic Value: DCF (FCF Based) Historical Data
* Premium members only.
The historical data trend for Grupo Cibest's Intrinsic Value: DCF (FCF Based) 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.
Grupo Cibest Intrinsic Value: DCF (FCF Based) Chart
BOG:CIBEST vs PNC, USB: Intrinsic Value: DCF (FCF Based) Comparison
For the Banks - Regional subindustry, Grupo Cibest's Price-to-DCF (FCF Based), along with its competitors' market caps and Price-to-DCF (FCF Based) 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 Price-to-DCF (FCF Based) vs Banks Industry
For the Banks industry and Financial Services sector, Grupo Cibest's Price-to-DCF (FCF Based) distribution charts can be found below:
* The bar in red indicates where Grupo Cibest's Price-to-DCF (FCF Based) falls into.
Grupo Cibest Intrinsic Value: DCF (FCF Based) Calculation
This is the intrinsic value calculated from the Discounted Cash Flow model with default parameters. In a discounted cash flow model, the future cash flow is estimated based on a cash flow growth rate and a discount rate. The cash flow of the future is discounted to its current value at the discount rate. All of the discounted future cash flow is added together to get the current intrinsic value of the company.
Usually a two-stage model is used when calculating a stock's intrinsic value using a discounted cash flow model. The first stage is called the growth stage; the second is called the terminal stage. In the growth stage the company grows at a faster rate. Because it cannot grow at that rate forever, a lower rate is used for the terminal stage.
GuruFocus DCF calculator is a two-stage model. The default values are defined as:
1. Discount Rate: d = 19% A reasonable discount rate assumption should be at least the long term average return of the stock market, which can be estimated from risk free rate plus risk premium of stock market. GuruFocus uses 10-Year Treasury Constant Maturity Rate as the risk-free rate and rounded up to the nearest integer. It is updated daily. The current risk-free rate is 12.36%. Please go to Economic Indicators page for more information. Please note that we use the 10-Year Treasury Constant Maturity Rate of the country/region where the company is headquartered. If the data for that country/region is not available, then we will use the 10-Year Treasury Constant Maturity Rate of the United States as default. Then we added a risk premium of 6% to get the estimated discount rate. Some investors use their expected rate of return, which is also reasonable. A typical discount rate can be anywhere between 6% - 20%.
2. Growth Rate in the growth stage: g1 = 20%
The Growth Rate in the growth stage is initially set as the default 10-Year FCF Growth Rate (Per Share). In cases where the 10-year growth rate is unavailable, it defaults to using the 5-Year FCF Growth Rate (Per Share). If both the 10-year and 5-year growth rates are unavailable, the system defaults to the 3-Year FCF Growth Rate (Per Share).
However, it's important to note that there is a growth rate range. If the calculated growth rate exceeds 20%, it will be capped at 20%. Conversely, if the calculated growth rate falls below 5%, it will be adjusted to 5% to maintain a reasonable range.
=>
Grupo Cibest's average Free Cash Flow Growth Rate in the past
3 years was 89.00%,
which is no less than 20%. GuruFocus defaults => Growth Rate: 20%
3. Years of Growth Stage: y1 = 10
4. Terminal Growth Rate: g2 = 4%
5. Years of Terminal Growth: y2 = 10
6. Free Cash Flow per Share: fcf = COP20080.740. However, GuruFocus DCF calculator is actually a Discounted Earnings calculator, the EPS without NRI is used as the default. The reason we are doing this is we found that historically stock prices are more correlated with earnings than free cash flow.
All of the default settings can be changed and the results are calculated automatically.
Grupo Cibest's Intrinsic Value: DCF (FCF Based) for today is calculated as
* 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.
What does a Intrinsic Value: DCF (FCF Based) of COP322,356.12 mean?
Grupo Cibest (BOG:CIBEST) has a Intrinsic Value: DCF (FCF Based) of COP322,356.12 as of Aug. 03, 2026. Intrinsic Value: DCF (FCF Based) is the stock value based on a two-stage discounted free cash flow model. View historical data on Grupo Cibest and its competitors. This is 111157183% above median its historical median of 0.29. Over the past decade, Grupo Cibest's Intrinsic Value: DCF (FCF Based) has ranged from 0.08 to 1.37. According to the industry distribution chart, Grupo Cibest ranks #120 out of 525 companies in the Banks industry, placing it in the top 22.9%.
Is Grupo Cibest's Intrinsic Value: DCF (FCF Based) too high?
Grupo Cibest's current Intrinsic Value: DCF (FCF Based) of COP322,356.12 is 111157183% above median its 10-year median of 0.29. Over the past 10 years, this metric has ranged from a low of 0.08 to a high of 1.37. Based on the distribution chart, Grupo Cibest ranks #120 out of 525 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Grupo Cibest has a GF Score™ of 83/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Grupo Cibest's Intrinsic Value: DCF (FCF Based) compare to PNC and USB?
According to the Banks industry distribution chart, Grupo Cibest ranks #120 out of 525 companies for Intrinsic Value: DCF (FCF Based). This places Grupo Cibest in the top 23% of its industry — outperforming the majority of peers. The industry median Intrinsic Value: DCF (FCF Based) is 0.58. Historically, Grupo Cibest's own Intrinsic Value: DCF (FCF Based) has ranged from 0.08 to 1.37 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Intrinsic Value: DCF (FCF Based) for a Banks company?
The median Intrinsic Value: DCF (FCF Based) among Banks companies is 0.58, based on 525 companies in the industry. Companies in the top quartile (top 25%) have a Intrinsic Value: DCF (FCF Based) significantly above this median, while those in the bottom quartile fall well below. However, Intrinsic Value: DCF (FCF Based) should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Intrinsic Value: DCF (FCF Based) mean?
A high Intrinsic Value: DCF (FCF Based) can signal that a stock is expensive relative to its fundamentals. Intrinsic Value: DCF (FCF Based) is the stock value based on a two-stage discounted free cash flow model. View historical data on Grupo Cibest and its competitors. For the Banks industry, the median Intrinsic Value: DCF (FCF Based) is 0.58 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Grupo Cibest's current Intrinsic Value: DCF (FCF Based) is COP322,356.12, which is 111157183% above median its own 10-year median of 0.29. 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 COP69,047.36, compared to a current price of COP86,000.00 — trading 24.6% above its estimated fair value. The current Intrinsic Value: DCF (FCF Based) is COP322,356.12, which is 111157183% above median its 10-year median of 0.29. Grupo Cibest's overall GF Score™ is 83/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Intrinsic Value: DCF (FCF Based) calculated?
Intrinsic Value: DCF (FCF Based) is calculated from a company's financial statements. For Grupo Cibest (BOG:CIBEST), the current Intrinsic Value: DCF (FCF Based) is COP322,356.12 as of Aug. 03, 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 COP86,000.00 is trading 24.6% above its estimated GF Value™ of COP69,047.36.
GuruFocus considers Grupo Cibest to be Modestly Overvalued.
Key valuation signals for BOG:CIBEST:
Intrinsic Value: DCF (FCF Based): COP322,356.12 (111157183% above median its 10-year median of 0.29)
GF Value™: COP69,047.36 vs. price of COP86,000.00 (24.6% above fair value)
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.
83GF Score
Get the complete analysis for BOG:CIBEST
Intrinsic Value: DCF (FCF Based) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
BOG:CIBEST has been successfully added to your 
