ROE % is calculated as Net Income divided by its average Total Stockholders Equity over a certain period of time. Grupo Cibest's annualized net income for the quarter that ended in Mar. 2026 was COP5,828,444 Mil. Grupo Cibest's average Total Stockholders Equity over the quarter that ended in Mar. 2026 was COP38,065,680 Mil. Therefore, Grupo Cibest's annualized ROE % for the quarter that ended in Mar. 2026 was 15.31%.
The historical rank and industry rank for Grupo Cibest's ROE % or its related term are showing as below:
BOG:PFCIBEST'
s ROE % Range Over the Past 10 Years
Min: 1.03 Med: 12.98 Max: 19.02
Current: 8.83
During the past 13 years, Grupo Cibest's highest ROE % was 19.02%. The lowest was 1.03%. And the median was 12.98%.
BOG:PFCIBEST's ROE % is ranked worse than 60.47% of 1523
companies
in the Banks industry
Industry Median: 10.22
vs BOG:PFCIBEST: 8.83
Grupo Cibest (BOG:PFCIBEST) ROE % Explanation
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
Note:
The net income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue data. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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.
Be Aware
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % 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 ROE %s can be extremely high.
Grupo Cibest ROE % Related Terms
Grupo Cibest ROE % Historical Data
* Premium members only.
The historical data trend for Grupo Cibest's ROE % 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 ROE %, along with its competitors' market caps and ROE % 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 ROE % vs Banks Industry
For the Banks industry and Financial Services sector, Grupo Cibest's ROE % distribution charts can be found below:
* The bar in red indicates where Grupo Cibest's ROE % 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 ROE %, the net income of the last fiscal year and the average total shareholder 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.
ROE % is displayed in the 30-year financial page.
Grupo Cibest (BOG:PFCIBEST) has a ROE % of 15.31% as of Mar. 2026. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Grupo Cibest and its competitors. This is 18% above median its historical median of 12.98. Over the past decade, Grupo Cibest's ROE % has ranged from 1.03 to 19.02. According to the industry distribution chart, Grupo Cibest ranks #921 out of 1523 companies in the Banks industry, placing it in the top 60.5%.
Is Grupo Cibest's ROE % too high?
Grupo Cibest's current ROE % of 15.31% is 18% above median its 10-year median of 12.98. Over the past 10 years, this metric has ranged from a low of 1.03 to a high of 19.02. The Banks industry median ROE % is 10.22. Grupo Cibest's value of 15.31% is 49.8% above this industry median. Based on the distribution chart, Grupo Cibest ranks #921 out of 1523 companies in the Banks industry, which is below 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 ROE % compare to PNC?
According to the Banks industry distribution chart, Grupo Cibest ranks #921 out of 1523 companies for ROE %. This places Grupo Cibest in the lower half of its industry. The industry median ROE % is 10.22. Grupo Cibest's value of 15.31% is 49.8% above this benchmark. Historically, Grupo Cibest's own ROE % has ranged from 1.03 to 19.02 over the past decade. While the company's 10-year median is 12.98 vs. the industry median of 10.22, 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 ROE % for a Banks company?
The median ROE % among Banks companies is 10.22, based on 1,523 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Grupo Cibest's current ROE % of 15.31% is 49.8% 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 ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Grupo Cibest and its competitors. For the Banks industry, the median ROE % is 10.22 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Grupo Cibest's current ROE % is 15.31%, which is 18% above median its own 10-year median of 12.98. 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 ROE % is 15.31%, which is 18% above median its 10-year median of 12.98 and 49.8% above the Banks industry median of 10.22. 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 ROE % calculated?
ROE % is calculated from a company's financial statements. For Grupo Cibest (BOG:PFCIBEST), the current ROE % is 15.31% 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:
ROE %: 15.31% (18% above median its 10-year median of 12.98)
GF Value™: COP53,894.81 vs. price of COP66,800.00 (23.9% above fair value)
Industry Position: 49.8% above the Banks median (#921 of 1523)
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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