CIB (Grupo Cibest) Scaled Net Operating Assets: 0.07 (As of Mar. 2026)


CIB Grupo Cibest SA CIB
81 GF Score
Price $80.09
GF Value $59.23
Valuation Significantly Overvalued
! 6 Warning Signs
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What is Grupo Cibest Scaled Net Operating Assets?

Grupo Cibest CIB +1.02% 81 Scaled Net Operating Assets is 0.07 as of Mar. 2026. 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.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Grupo Cibest's operating assets for the quarter that ended in Mar. 2026 was $97,631 Mil. Grupo Cibest's operating liabilities for the quarter that ended in Mar. 2026 was $90,737 Mil. Grupo Cibest's Total Assets for the quarter that ended in Dec. 2025 was $101,526 Mil. Therefore, Grupo Cibest's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was 0.07.

CIB
81GF Score
Grupo Cibest SA CIB
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Grupo Cibest Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Grupo Cibest's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2025 )
=(Operating Assets (A: Dec. 2025 )-Operating Liabilities (A: Dec. 2025 ))/Total Assets (A: Dec. 2024 )
=(94776.999-85728.918)/83948.008
=0.11

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=101525.583 - 6748.584
=94776.999

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=90565.532 - 4829.593 - 7.021
=85728.918

Grupo Cibest's Scaled Net Operating Assets (SNOA) for the quarter that ended in Mar. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Mar. 2026 )
=(Operating Assets (Q: Mar. 2026 )-Operating Liabilities (Q: Mar. 2026 ))/Total Assets (Q: Dec. 2025 )
=(97630.928-90737.203)/101525.583
=0.07

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=105882.739 - 8251.811
=97630.928

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=95647.687 - 4910.484 - 0
=90737.203

* 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.

What does a Scaled Net Operating Assets of 0.07 mean?
Grupo Cibest (CIB) has a Scaled Net Operating Assets of 0.07 as of Mar. 2026. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Grupo Cibest and its competitors.
Is Grupo Cibest's Scaled Net Operating Assets too high?
Grupo Cibest's current Scaled Net Operating Assets is 0.07. 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 Scaled Net Operating Assets compare to PNC?
Grupo Cibest's Scaled Net Operating Assets of 0.07 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 Scaled Net Operating Assets for a Banks company?
A good Scaled Net Operating Assets depends on the Banks industry context. However, Scaled Net Operating Assets 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 Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Grupo Cibest and its competitors. Grupo Cibest's current Scaled Net Operating Assets is 0.07. 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 $80.09 — trading 35.2% above its estimated fair value. The current Scaled Net Operating Assets is 0.07. 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 Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For Grupo Cibest (CIB), the current Scaled Net Operating Assets is 0.07 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 $80.09 is trading 35.2% above its estimated GF Value™ of $59.23. GuruFocus considers Grupo Cibest to be Significantly Overvalued.

Key valuation signals for CIB:

  • Scaled Net Operating Assets: 0.07
  • GF Value™: $59.23 vs. price of $80.09 (35.2% above fair value)
  • GF Score™: 81/100 with 6 warning signs

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 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.
81GF Score

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Scaled Net Operating Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$80.09
Price
$59.23
GF Value