CIB
Grupo Cibest S.A.
NYSE: CIB · FINANCIAL SERVICES · BANKS - REGIONAL
$65.27
-2.00% today
Updated 2026-06-05
Market cap
$17.77B
P/E ratio
9.82
P/S ratio
1.16x
EPS (TTM)
$7.63
Dividend yield
6.58%
52W range
$41 – $85
Volume
0.3M
Grupo Cibest S.A. (CIB) Financial Forecast & Price Target 2030
Research-backed projections from analyst consensus, management guidance, and sector analysis.
Research-backed CIB price target 2030 projection accounting for share dilution, balance sheet debt, and time value of money.
Current price
$65.27
Today
Analyst consensus
$63.47
-2.76% · 12M
2030 Base
$-238,201.24
-365047.51% future
NPV today
$-238,201.24
@ 7% WACC
11 analysts:
1 Buy4 Hold3 Sell
Management guidance
Management has not issued explicit 2026-2030 revenue targets in available guidance. However, Q1 2026 earnings call indicated continued strong core banking performance with 8.5% YoY consumer loan growth, expanding net interest margins to 7.03%, and maintained growth targets for 2026. Bancolombia/Grupo Cibest is projecting continued loan portfolio expansion and digital platform (Nequi) reach break-even by Q1 2026, with ambitions for 8% loan growth and stable efficiency ratios for 2025-2026.
Sources: Management guidance, analyst consensus, sector analysishigh confidence
CIB · Grupo Cibest S.A. · Revenue & price projection · 2023–2030E
Actual / 2030 target Projected revenue Base case price Bull to bear range
Bear case (2030)
$-238,201.24
NPV today: $-238,201.24
Base case (2030)
$-238,201.24
NPV today: $-238,201.24
Bull case (2030)
$-237,747.83
NPV today: $-237,747.83
WallStSmart.com
CIB financial forecast · Research-backed projections
| Metric | 2025 | 2026 (E) | 2027 (E) | 2028 (E) | 2029 (E) | 2030 (E) ★ |
|---|---|---|---|---|---|---|
| Revenue | $42917.4B | $31.2B | $35.9B | $40.7B | $45.3B | $49.9B |
| Revenue growth | 0.0% | 32.7% | 15.2% | 13.3% | 11.3% | 10.2% |
| Net margin | — | 2.7% | 2.8% | 2.9% | 2.9% | 3.0% |
| EPS | $7.48 | $7.69 | $9.20 | $10.80 | $12.10 | $13.40 |
| Diluted shares | — | 110M | 110M | 110M | 110M | 110M |
| Net debt | — | $26.27T | $26.26T | $26.26T | $26.25T | $26.25T |
| P/S multiple | — | 1.0x | 1.0x | 1.0x | 1.0x | 1.0x |
| Implied price (base) | — | $-238,528.46 | $-238,452.56 | $-238,371.93 | $-238,288.83 | $-238,201.24 |
★ 2030E is the model's terminal target year. Implied price = (Revenue × P/S − Net debt) ÷ Diluted shares.
Scenario detail · Three drivers, three outcomes
| 2030E driver | Bear | Base | Bull |
|---|---|---|---|
| Revenue | $49.9B | $49.9B | $49.9B |
| P/S multiple | 1.0x | 1.0x | 2.0x |
| Diluted shares | 110M | 110M | 110M |
| Net debt | $26.25T | $26.25T | $26.25T |
| Implied P/E † | -17776x | -17776x | -17742x |
| 2030 Price | $-238,201.24 | $-238,201.24 | $-237,747.83 |
| NPV @ 7% | $-238,201.24 | $-238,201.24 | $-237,747.83 |
† Implied P/E: Multiples remain elevated across all three scenarios because CIB is valued primarily on revenue scale during its growth phase, not near-term earnings power. Lower P/E in the bear case reflects multiple compression, but the absolute level stays high since 2030E still represents a hypergrowth-to-mature transition year.
EV to per-share bridge · How we get to $-238,201.24 base case
CIB catalysts and risks
Growth catalysts
+ Colombian economic recovery and credit demand acceleration (2.5-3.5% GDP growth)
+ Nequi digital banking platform reaching profitability and scale (80K+ monthly document automation)
+ Regional expansion and market share gains in Colombia's largest bank positioning
+ Wealth tax normalization and improved tax policy clarity post-2026
+ Net interest margin expansion from disciplined asset-liability management
+ Fee income acceleration through digital channels and financial services diversification
Key risks
- Colombian macroeconomic volatility and political uncertainty impacting credit growth
- Rising provision costs and credit quality deterioration in economic downturns
- Regulatory and tax policy changes (wealth tax implementation reducing net income 16% YoY in Q1 2026)
- Currency volatility (COP weakness) impacting USD earnings conversion
- Digital banking platform (Nequi) profitability trajectory uncertain despite progress
- Analyst downgrade momentum (3 sell ratings, consensus 'Reduce') signals cautious sentiment
- Regional competitive pressures from larger multinational banks and fintech disruption
Methodology · Grupo Cibest S.A. 2030 stock forecast model
Grupo Cibest S.A. 2030 price target is calculated using WallStSmart's research model. Revenue projections are derived from analyst consensus across 11 Wall Street analysts, management guidance from the latest earnings call, and sector growth forecasts. The model is built on five core components:
| 1. Share dilution | Projected from per-ticker schedule of SBC + equity raise activity, compounding year by year (0% cumulative for CIB by 2030) |
| 2. Net debt | EV minus net debt yields equity value; debt projected from capex cycle trajectory ($26.25T by 2030) |
| 3. Time value | NPV calculated using 7% WACC (CAPM: beta 0.493) |
| 4. Multiple framework | P/S compresses with scale: bear 1.0x / base 1.0x / bull 2.0x |
| 5. Scenario design | Bull/Base/Bear vary revenue, margin, shares, debt, and multiple independently |
WallStSmart research model · Not financial advice · Past performance is not indicative of future results · Last researched: May 21, 2026.
CIB price target FAQ
What is the CIB price target for 2030?
WallStSmart's Grupo Cibest S.A. 2030 base case is $-238,201.24 per share, with a bull case of $-237,747.83 and bear case of $-238,201.24. The NPV of the base case discounted to today at 7% WACC is $-238,201.24.
How is the Grupo Cibest S.A. 2030 stock forecast calculated?
The CIB 2030 projection multiplies projected revenue by a growth-adjusted P/S multiple to derive enterprise value, subtracts projected net debt to get equity value, then divides by diluted shares outstanding accounting for dilution from stock-based compensation and equity raises.
Why does the CIB price target account for dilution?
Grupo Cibest S.A. is projected to grow diluted share count from 110M to 110M by 2030 (a 0% increase) through stock-based compensation and capital raises. Ignoring this would inflate the price target by approximately 0%.
What is the analyst consensus on CIB stock?
11 analysts cover CIB with an average 12-month price target of $63.47. The 2030 projection extends this framework with longer-horizon assumptions including dilution and time value of money.