Grupo CibestCIB +0.71%81 Net Margin % is 19.71% as of Mar. 2026, which is 4% below its 10-year median of 20.52. GuruFocus rates CIB with a GF Score™ of 81/100 and a GF Value™ of $59.23 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,526 Banks companies, Grupo Cibest ranks worse than 84.73% on this metric.
Net margin is calculated as Net Income divided by its Revenue. Grupo Cibest's Net Income for the
three
months ended in Mar. 2026 was $396 Mil. Grupo Cibest's Revenue for the
three
months ended in Mar. 2026 was $2,011 Mil. Therefore, Grupo Cibest's net margin for the quarter that ended in Mar. 2026 was 19.71%.
The historical rank and industry rank for Grupo Cibest's Net Margin % or its related term are showing as below:
CIB'
s Net Margin % Range Over the Past 10 Years
Min: 1.76 Med: 20.52 Max: 27.98
Current: 12.68
CIB's Net Margin % is ranked worse than 84.73% of 1526
companies
in the Banks industry
Industry Median: 26.97
vs CIB: 12.68
Grupo Cibest (NYSE:CIB) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Grupo Cibest Net Margin % Related Terms
Grupo Cibest Net Margin % Historical Data
* Premium members only.
The historical data trend for Grupo Cibest's Net Margin % 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 Net Margin %, along with its competitors' market caps and Net Margin % 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 Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Grupo Cibest's Net Margin % distribution charts can be found below:
* The bar in red indicates where Grupo Cibest's Net Margin % 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 (CIB) has a Net Margin % of 19.71% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Grupo Cibest and its competitors. This is near median its historical median of 20.52. Over the past decade, Grupo Cibest's Net Margin % has ranged from 1.76 to 27.98. According to the industry distribution chart, Grupo Cibest ranks #1293 out of 1526 companies in the Banks industry, placing it in the top 84.7%.
Is Grupo Cibest's Net Margin % too high?
Grupo Cibest's current Net Margin % of 19.71% is near median its 10-year median of 20.52. Over the past 10 years, this metric has ranged from a low of 1.76 to a high of 27.98. The Banks industry median Net Margin % is 26.97. Grupo Cibest's value of 19.71% is 26.9% below this industry median. Based on the distribution chart, Grupo Cibest ranks #1293 out of 1526 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Grupo Cibest has a GF Score™ of 81/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Grupo Cibest's Net Margin % compare to PNC?
According to the Banks industry distribution chart, Grupo Cibest ranks #1293 out of 1526 companies for Net Margin %. This places Grupo Cibest in the lower half of its industry. The industry median Net Margin % is 26.97. Grupo Cibest's value of 19.71% is 26.9% below this benchmark. Historically, Grupo Cibest's own Net Margin % has ranged from 1.76 to 27.98 over the past decade. While the company's 10-year median is 20.52 vs. the industry median of 26.97, 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 Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 26.97, based on 1,526 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Grupo Cibest's current Net Margin % of 19.71% is 26.9% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Grupo Cibest and its competitors. For the Banks industry, the median Net Margin % is 26.97 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Grupo Cibest's current Net Margin % is 19.71%, which is near median its own 10-year median of 20.52. 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 (CIB) is currently considered Significantly Overvalued. The stock's GF Value™ is $59.23, compared to a current price of $79.84 — trading 34.8% above its estimated fair value. The current Net Margin % is 19.71%, which is near median its 10-year median of 20.52 and 26.9% below the Banks industry median of 26.97. Grupo Cibest's overall GF Score™ is 81/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Grupo Cibest (CIB), the current Net Margin % is 19.71% 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 (CIB) Overvalued in 2026?
Based on GuruFocus' analysis, Grupo Cibest stock appears to be overvalued.
The current stock price of $79.84 is trading 34.8% above its estimated GF Value™ of $59.23.
GuruFocus considers Grupo Cibest to be Significantly Overvalued.
Key valuation signals for CIB:
Net Margin %: 19.71% (near median its 10-year median of 20.52)
GF Value™: $59.23 vs. price of $79.84 (34.8% above fair value)
Industry Position: 26.9% below the Banks median (#1293 of 1526)
No single metric tells the full story. See the CIB 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.
81GF Score
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