Grupo CibestCIB +0.68%82 Return-on-Tangible-Equity is 16.54% as of Mar. 2026, which is 8% below its 10-year median of 18.01. GuruFocus rates CIB with a GF Score™ of 82/100 and a GF Value™ of $63.75 (Modestly Overvalued). The stock has 3 warning signs investors should review. Among 1,525 Banks companies, Grupo Cibest ranks worse than 54.69% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. Grupo Cibest's annualized net income for the quarter that ended in Mar. 2026 was $1,586 Mil. Grupo Cibest's average shareholder tangible equity for the quarter that ended in Mar. 2026 was $9,585 Mil. Therefore, Grupo Cibest's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 16.54%.
The historical rank and industry rank for Grupo Cibest's Return-on-Tangible-Equity or its related term are showing as below:
CIB'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 1.43 Med: 18.01 Max: 25.96
Current: 10.52
During the past 13 years, Grupo Cibest's highest Return-on-Tangible-Equity was 25.96%. The lowest was 1.43%. And the median was 18.01%.
CIB's Return-on-Tangible-Equity is ranked worse than 54.69% of 1525
companies
in the Banks industry
Industry Median: 11.21
vs CIB: 10.52
Grupo Cibest (NYSE:CIB) Return-on-Tangible-Equity Explanation
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
Grupo Cibest Return-on-Tangible-Equity Related Terms
Grupo Cibest Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for Grupo Cibest's Return-on-Tangible-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.
CIB vs PNC, USB: Return-on-Tangible-Equity Comparison
For the Banks - Regional subindustry, Grupo Cibest's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-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 Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Grupo Cibest's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Grupo Cibest's Return-on-Tangible-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.
In the calculation of annual Return-on-Tangible-Equity, the net income of the last fiscal year and the average total shareholder tangible equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Mar. 2026) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 16.54% mean?
Grupo Cibest (CIB) has a Return-on-Tangible-Equity of 16.54% as of Mar. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Grupo Cibest and its competitors. This is near median its historical median of 18.01. Over the past decade, Grupo Cibest's Return-on-Tangible-Equity has ranged from 1.43 to 25.96. According to the industry distribution chart, Grupo Cibest ranks #834 out of 1525 companies in the Banks industry, placing it in the top 54.7%.
Is Grupo Cibest's Return-on-Tangible-Equity too high?
Grupo Cibest's current Return-on-Tangible-Equity of 16.54% is near median its 10-year median of 18.01. Over the past 10 years, this metric has ranged from a low of 1.43 to a high of 25.96. The Banks industry median Return-on-Tangible-Equity is 11.21. Grupo Cibest's value of 16.54% is 47.5% above this industry median. Based on the distribution chart, Grupo Cibest ranks #834 out of 1525 companies in the Banks industry, which is below 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 Return-on-Tangible-Equity compare to PNC and USB?
According to the Banks industry distribution chart, Grupo Cibest ranks #834 out of 1525 companies for Return-on-Tangible-Equity. This places Grupo Cibest in the lower half of its industry. The industry median Return-on-Tangible-Equity is 11.21. Grupo Cibest's value of 16.54% is 47.5% above this benchmark. Historically, Grupo Cibest's own Return-on-Tangible-Equity has ranged from 1.43 to 25.96 over the past decade. While the company's 10-year median is 18.01 vs. the industry median of 11.21, Grupo Cibest has consistently been above 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 Return-on-Tangible-Equity for a Banks company?
The median Return-on-Tangible-Equity among Banks companies is 11.21, based on 1,525 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Grupo Cibest's current Return-on-Tangible-Equity of 16.54% is 47.5% above 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 Return-on-Tangible-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Grupo Cibest and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.21 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Grupo Cibest's current Return-on-Tangible-Equity is 16.54%, which is near median its own 10-year median of 18.01. 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 Modestly Overvalued. The stock's GF Value™ is $63.75, compared to a current price of $79.81 — trading 25.2% above its estimated fair value. The current Return-on-Tangible-Equity is 16.54%, which is near median its 10-year median of 18.01 and 47.5% above the Banks industry median of 11.21. 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 Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For Grupo Cibest (CIB), the current Return-on-Tangible-Equity is 16.54% 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 $79.81 is trading 25.2% above its estimated GF Value™ of $63.75.
GuruFocus considers Grupo Cibest to be Modestly Overvalued.
Key valuation signals for CIB:
Return-on-Tangible-Equity: 16.54% (near median its 10-year median of 18.01)
GF Value™: $63.75 vs. price of $79.81 (25.2% above fair value)
Industry Position: 47.5% above the Banks median (#834 of 1525)
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.
82GF Score
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