Grupo Cibest stock: fair value
CIBThe fair value of Grupo Cibest under our model is $79.37, the price is 12% above.
The fair value is an estimate from our model, not a price target.
Daily figure as of 13 Nov 2026
Valuation signal
Fairly valuedIn our model the price counts as cheap below $56.69 and expensive above $132.28 (uncertainty high, one part of the fair value is more than twice the other).
The two parts of the fair value come to $39.07 (excess return model) and $119.67 (industry comparison), and the gap between them shows how uncertain the estimate is.
Calculated with a cost of equity of 17.3%. At 18.3% the fair value would be $76.44, at 16.3% it would be $83.56.
Where the number comes from
Half from the excess return model, half from earnings times the industry P/E (12.2).
Excess return model for banks and insurers: book value plus the value of returns above the cost of equity of 17.3% (government bond yield 11.6% plus beta 0.8 times a risk premium of 7.1%).
Calculate with your own assumptionsThe calculation step by step
With these figures the excess return model arrives at $39.07 per share: book value plus the value of what the company earns above its cost of equity over time. The table explains the calculation; it is not a recommendation.
Calculation as a table
| Step | Value |
|---|---|
| Book value per share | COP 164,218.53 |
| Stable earnings per share (book value × median return on equity of the last five fiscal years) | COP 26,372.46 |
| Return on equity in the model (median of the last five fiscal years) | 16.1% |
| Cost of equity | 17.3% |
| Excess return per share: (return − cost) × book value | −COP 1,994.65 |
| Terminal value of excess returns: excess return / (17.3% − 11.6%) | −COP 35,216.21 |
| Value per share (book value plus terminal value) | COP 129,002.32 |
| Per share as traded (converted ÷ 3,302) | $39.07 |
| Earnings per share, last twelve months | $9.78 |
| × 12.2 (industry P/E) | $119.67 |
| Fair value (average of both parts) | $79.37 |
Data status and sources
- Score
- Daily value of 13 Nov 2026, recalculated nightly
- Price
- Closing price of 12 Nov 2026
- Latest annual report
- Fiscal year 2025, period end 31 Dec 2025
- Source
- Financial statements, ratios and prices from Financial Modeling Prep (FMP), based on the company's reports. MEQIRI calculates the score and fair value from them.
Mandatory disclosures for this rating
- ; time horizon around 12 months
- Rated Strong, published since 7 Nov 2026 (in the score history since 30 Jun 2023)
- Valuation signal Fairly valued since 7 Nov 2026
- End-of-day prices, metrics cached for up to 24 hours
- Score and fair value are estimates from a disclosed model. They are not facts and not a price target.
- Produced by SSM Ventures UG (haftungsbeschränkt), responsible person Sven Brostmeyer, Managing Director, automatically according to the disclosed model.
- Not investment advice. Losses up to and including a total loss are possible. Personal circumstances are not considered.