WallStSmart

Grupo Cibest S.A. (CIB)vsMizuho Financial Group Inc. (MFG)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Grupo Cibest S.A. generates 515% more annual revenue ($24.71T vs $4.02T). MFG leads profitability with a 26.1% profit margin vs 16.2%. CIB appears more attractively valued with a PEG of 0.43. MFG earns a higher WallStSmart Score of 74/100 (B).

CIB

Buy

63

out of 100

Grade: C+

Growth: 6.0Profit: 6.0Value: 10.0Quality: 4.5
Piotroski: 4/9

MFG

Strong Buy

74

out of 100

Grade: B

Growth: 8.0Profit: 7.5Value: 10.0Quality: 5.0
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

CIBUndervalued (+78.0%)

Margin of Safety

+78.0%

Fair Value

$359.89

Current Price

$72.95

$286.94 discount

UndervaluedFair: $359.89Overvalued
MFGUndervalued (+42.4%)

Margin of Safety

+42.4%

Fair Value

$17.51

Current Price

$7.81

$9.70 discount

UndervaluedFair: $17.51Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

CIB4 strengths · Avg: 9.5/10
PEG RatioValuation
0.4310/10

Growing faster than its price suggests

P/E RatioValuation
9.3x10/10

Attractively priced relative to earnings

Price/BookValuation
0.0x10/10

Reasonable price relative to book value

EPS GrowthGrowth
43.9%8/10

Earnings expanding 43.9% YoY

MFG6 strengths · Avg: 9.0/10
Price/BookValuation
0.3x10/10

Reasonable price relative to book value

Operating MarginProfitability
36.3%10/10

Strong operational efficiency at 36.3%

Market CapQuality
$92.84B9/10

Large-cap with strong market position

Profit MarginProfitability
26.1%9/10

Keeps 26 of every $100 in revenue as profit

PEG RatioValuation
0.868/10

Growing faster than its price suggests

P/E RatioValuation
14.3x8/10

Attractively priced relative to earnings

Areas to Watch

CIB3 concerns · Avg: 2.3/10
Operating MarginProfitability
0.0%3/10

Operating margin of 0.0%

Revenue GrowthGrowth
-0.2%2/10

Revenue declined 0.2%

Free Cash FlowQuality
$-1.87T2/10

Negative free cash flow — burning cash

MFG0 concerns · Avg: 0/10

No major concerns identified

Comparative Analysis Report

WallStSmart Research

Bull Case : CIB

The strongest argument for CIB centers on PEG Ratio, P/E Ratio, Price/Book. Profitability is solid with margins at 16.2%. PEG of 0.43 suggests the stock is reasonably priced for its growth.

Bull Case : MFG

The strongest argument for MFG centers on Price/Book, Operating Margin, Market Cap. Profitability is solid with margins at 26.1% and operating margin at 36.3%. PEG of 0.86 suggests the stock is reasonably priced for its growth.

Bear Case : CIB

The primary concerns for CIB are Operating Margin, Revenue Growth, Free Cash Flow.

Bear Case : MFG

No major red flags identified for MFG, but monitor valuation.

Key Dynamics to Monitor

CIB profiles as a declining stock while MFG is a mature play — different risk/reward profiles.

CIB carries more volatility with a beta of 0.80 — expect wider price swings.

MFG is growing revenue faster at 5.5% — sustainability is the question.

Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.

Bottom Line

MFG scores higher overall (74/100 vs 63/100), backed by strong 26.1% margins. CIB offers better value entry with a 78.0% margin of safety. Both earn "Strong Buy" and "Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

Grupo Cibest S.A.

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Bancolombia SA offers various banking products and services to individual and corporate clients in Colombia, Panama, Puerto Rico, El Salvador, Costa Rica and Guatemala. The company is headquartered in Medelln, Colombia.

Mizuho Financial Group Inc.

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Mizuho Financial Group, Inc. engages in banking, trusts, securities and other businesses related to financial services in Japan, America, Europe, Asia / Oceania and internationally. The company is headquartered in Tokyo, Japan.

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