Grupo Cibest (BOG:PFCIBEST) Margin of Safety % (DCF Earnings Based): -7.88% (As of Jun. 25, 2026)


BOG:PFCIBEST Grupo Cibest SA BOG:PFCIBEST
72 GF Score
Price COP66,800.00
GF Value COP53,894.81
Valuation Modestly Overvalued
! 6 Warning Signs
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What is Grupo Cibest Margin of Safety % (DCF Earnings Based)?

Grupo Cibest BOG:PFCIBEST -3.61% 72 Margin of Safety % (DCF Earnings Based) is -7.88% as of Jun. 25, 2026. GuruFocus rates BOG:PFCIBEST with a GF Score™ of 72/100 and a GF Value™ of COP53,894.81 (Modestly Overvalued). The stock has 6 warning signs investors should review.

Margin of Safety % (DCF Earnings Based) = (Intrinsic Value: DCF (Earnings Based) - Current Price) / Intrinsic Value: DCF (Earnings Based).

Note: Discounted Earnings 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.

As of today (2026-06-25), Grupo Cibest's Predictability Rank is 3-Stars. Grupo Cibest's intrinsic value calculated from the Discounted Earnings model is COP61923.36 and current share price is COP66800.00. Consequently,

Grupo Cibest's Margin of Safety % (DCF Earnings Based) using Discounted Earnings model is -7.88%.

BOG:PFCIBEST vs PNC: Margin of Safety % (DCF Earnings Based) Comparison

For the Banks - Regional subindustry, Grupo Cibest's Margin of Safety % (DCF Earnings Based), along with its competitors' market caps and Margin of Safety % (DCF Earnings 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 Margin of Safety % (DCF Earnings Based) vs Banks Industry

For the Banks industry and Financial Services sector, Grupo Cibest's Margin of Safety % (DCF Earnings Based) distribution charts can be found below:

* The bar in red indicates where Grupo Cibest's Margin of Safety % (DCF Earnings Based) falls into.


BOG:PFCIBEST
72GF Score
Grupo Cibest SA BOG:PFCIBEST
Margin of Safety % (DCF Earnings Based) is just one metric. See GF Score™, valuation, warning signs, and more.
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Grupo Cibest Margin of Safety % (DCF Earnings Based) Calculation

Grupo Cibest's Margin of Safety % (DCF Earnings Based) for today is calculated as

Margin of Safety % (DCF Earnings Based)=(Intrinsic Value: DCF (Earnings Based)-Current Price)/Intrinsic Value: DCF (Earnings Based)
=(61923.36-66800.00)/61923.36
=-7.88 %

* 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.

The intrinsic value is calculated from the Discounted Earnings model with default parameters. The calculation method is the same as Discounted Cash Flow model except earnings are used in the calculation instead of free cash flow.

What does a Margin of Safety % (DCF Earnings Based) of -7.88% mean?
Grupo Cibest (BOG:PFCIBEST) has a Margin of Safety % (DCF Earnings Based) of -7.88% as of Jun. 25, 2026. Margin of Safety % (DCF Earnings Based) is the percent difference between the current price and the intrinsic DCF Earnings price. View historical data on Grupo Cibest.
Is Grupo Cibest's Margin of Safety % (DCF Earnings Based) too high?
Grupo Cibest's current Margin of Safety % (DCF Earnings Based) is -7.88%. Overall, Grupo Cibest has a GF Score™ of 72/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Grupo Cibest's Margin of Safety % (DCF Earnings Based) compare to PNC?
Grupo Cibest's Margin of Safety % (DCF Earnings Based) of -7.88% can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Margin of Safety % (DCF Earnings Based) for a Banks company?
A good Margin of Safety % (DCF Earnings Based) depends on the Banks industry context. However, Margin of Safety % (DCF Earnings 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 Margin of Safety % (DCF Earnings Based) mean?
A high Margin of Safety % (DCF Earnings Based) can signal that a stock is expensive relative to its fundamentals. Margin of Safety % (DCF Earnings Based) is the percent difference between the current price and the intrinsic DCF Earnings price. View historical data on Grupo Cibest. Grupo Cibest's current Margin of Safety % (DCF Earnings Based) is -7.88%. 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:PFCIBEST) is currently considered Modestly Overvalued. The stock's GF Value™ is COP53,894.81, compared to a current price of COP66,800.00 — trading 23.9% above its estimated fair value. The current Margin of Safety % (DCF Earnings Based) is -7.88%. Grupo Cibest's overall GF Score™ is 72/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Margin of Safety % (DCF Earnings Based) calculated?
Margin of Safety % (DCF Earnings Based) is calculated from a company's financial statements. For Grupo Cibest (BOG:PFCIBEST), the current Margin of Safety % (DCF Earnings Based) is -7.88% as of Jun. 25, 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:PFCIBEST) Overvalued in 2026?

Based on GuruFocus' analysis, Grupo Cibest stock appears to be overvalued. The current stock price of COP66,800.00 is trading 23.9% above its estimated GF Value™ of COP53,894.81. GuruFocus considers Grupo Cibest to be Modestly Overvalued.

Key valuation signals for BOG:PFCIBEST:

  • Margin of Safety % (DCF Earnings Based): -7.88%
  • GF Value™: COP53,894.81 vs. price of COP66,800.00 (23.9% above fair value)
  • GF Score™: 72/100 with 6 warning signs

No single metric tells the full story. See the BOG:PFCIBEST stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Grupo Cibest Business Description

Address Avenida Los Industriales, Carrera 48 No. 26-85, Medellin, COL
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.
72GF Score

Get the complete analysis for BOG:PFCIBEST

Margin of Safety % (DCF Earnings Based) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

COP66,800.00
Price
COP53,894.81
GF Value