Grupo CibestBOG:PFCIBEST -3.61%87 OCF Margin % is 9.76% as of Mar. 2026, which is 70% below its 10-year median of 32.36. GuruFocus rates BOG:PFCIBEST with a GF Score™ of 87/100 and a GF Value™ of COP53,894.81 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 1,500 Banks companies, Grupo Cibest ranks better than 70.4% on this metric.
The historical rank and industry rank for Grupo Cibest's OCF Margin % or its related term are showing as below:
BOG:PFCIBEST'
s OCF Margin % Range Over the Past 10 Years
Min: 1.67 Med: 32.36 Max: 78.37
Current: 44.93
During the past 13 years, the highest OCF Margin % of Grupo Cibest was 78.37%. The lowest was 1.67%. And the median was 32.36%.
BOG:PFCIBEST's OCF Margin % is ranked better than 70.4% of 1500
companies
in the Banks industry
Industry Median: 29.44
vs BOG:PFCIBEST: 44.93
Grupo Cibest OCF Margin % Related Terms
Grupo Cibest OCF Margin % Historical Data
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The historical data trend for Grupo Cibest's OCF 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 OCF Margin %, along with its competitors' market caps and OCF 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 OCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Grupo Cibest's OCF Margin % distribution charts can be found below:
* The bar in red indicates where Grupo Cibest's OCF 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 (BOG:PFCIBEST) has a OCF Margin % of 9.76% as of Mar. 2026. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Grupo Cibest and its competitors. This is 70% below median its historical median of 32.36. Over the past decade, Grupo Cibest's OCF Margin % has ranged from 1.67 to 78.37. According to the industry distribution chart, Grupo Cibest ranks #444 out of 1500 companies in the Banks industry, placing it in the top 29.6%.
Is Grupo Cibest's OCF Margin % too high?
Grupo Cibest's current OCF Margin % of 9.76% is 70% below median its 10-year median of 32.36. Over the past 10 years, this metric has ranged from a low of 1.67 to a high of 78.37. The Banks industry median OCF Margin % is 29.44. Grupo Cibest's value of 9.76% is 66.8% below this industry median. Based on the distribution chart, Grupo Cibest ranks #444 out of 1500 companies in the Banks industry, which is above the industry midpoint. Overall, Grupo Cibest has a GF Score™ of 87/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Grupo Cibest's OCF Margin % compare to PNC?
According to the Banks industry distribution chart, Grupo Cibest ranks #444 out of 1500 companies for OCF Margin %. This puts Grupo Cibest in the upper half of its industry. The industry median OCF Margin % is 29.44. Grupo Cibest's value of 9.76% is 66.8% below this benchmark. Historically, Grupo Cibest's own OCF Margin % has ranged from 1.67 to 78.37 over the past decade. While the company's 10-year median is 32.36 vs. the industry median of 29.44, 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 OCF Margin % for a Banks company?
The median OCF Margin % among Banks companies is 29.44, based on 1,500 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Grupo Cibest's current OCF Margin % of 9.76% is 66.8% 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 OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Grupo Cibest and its competitors. For the Banks industry, the median OCF Margin % is 29.44 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Grupo Cibest's current OCF Margin % is 9.76%, which is 70% below median its own 10-year median of 32.36. 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 OCF Margin % is 9.76%, which is 70% below median its 10-year median of 32.36 and 66.8% below the Banks industry median of 29.44. Grupo Cibest's overall GF Score™ is 87/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For Grupo Cibest (BOG:PFCIBEST), the current OCF Margin % is 9.76% 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: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:
OCF Margin %: 9.76% (70% below median its 10-year median of 32.36)
GF Value™: COP53,894.81 vs. price of COP66,800.00 (23.9% above fair value)
Industry Position: 66.8% below the Banks median (#444 of 1500)
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 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.
87GF Score
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