Bancolombia
Market Cap
Col$28.7t
Last Updated
2021/04/13 00:10 UTC
Data Sources
Company Financials +
Executive Summary
Bancolombia S. A. provides various banking products and services to individual and corporate customers in Colombia, Panama, Puerto Rico, El Salvador, Costa Rica, and Guatemala. More Details
Rewards
Risk Analysis
Dividend of 3.8% is not well covered by earnings or forecast to be in the next 3 years
Snowflake Analysis
High growth potential with excellent balance sheet.
Similar Companies
Share Price & News
How has Bancolombia's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: BCOLOMBIA is not significantly more volatile than the rest of CO stocks over the past 3 months, typically moving +/- 4% a week.
Volatility Over Time: BCOLOMBIA's weekly volatility (4%) has been stable over the past year.
Market Performance
7 Day Return
1.5%
BCOLOMBIA
1.5%
CO Banks
-1.0%
CO Market
1 Year Return
10.6%
BCOLOMBIA
6.1%
CO Banks
5.8%
CO Market
Return vs Industry: BCOLOMBIA exceeded the CO Banks industry which returned 6.1% over the past year.
Return vs Market: BCOLOMBIA exceeded the CO Market which returned 5.8% over the past year.
Shareholder returns
| BCOLOMBIA | Industry | Market | |
|---|---|---|---|
| 7 Day | 1.5% | 1.5% | -1.0% |
| 30 Day | -2.3% | -0.4% | -2.4% |
| 90 Day | -14.8% | -5.7% | -6.2% |
| 1 Year | 14.4%10.6% | 11.2%6.1% | 9.5%5.8% |
| 3 Year | 0.2%-11.2% | 10.0%-3.4% | 3.5%-8.3% |
| 5 Year | 38.3%14.7% | 33.8%8.1% | 35.5%13.8% |
Long-Term Price Volatility Vs. Market
How volatile is Bancolombia's share price compared to the market and industry in the last 5 years?
Simply Wall St News
No news available
Valuation
Is Bancolombia undervalued compared to its fair value and its price relative to the market?
103.89x
Price to Earnings (PE) ratio
Share Price vs. Fair Value
Below Fair Value: BCOLOMBIA (COP30700) is trading above our estimate of fair value (COP3963.51)
Significantly Below Fair Value: BCOLOMBIA is trading above our estimate of fair value.
Price To Earnings Ratio
PE vs Industry: BCOLOMBIA is poor value based on its PE Ratio (107x) compared to the CO Banks industry average (11.4x).
PE vs Market: BCOLOMBIA is poor value based on its PE Ratio (107x) compared to the CO market (13.6x).
Price to Earnings Growth Ratio
PEG Ratio: BCOLOMBIA is poor value based on its PEG Ratio (1.9x)
Price to Book Ratio
PB vs Industry: BCOLOMBIA's PB Ratio (1.1x) is in line with the CO Banks industry average.
Future Growth
How is Bancolombia forecast to perform in the next 1 to 3 years based on estimates from 9 analysts?
56.3%
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: BCOLOMBIA's forecast earnings growth (56.3% per year) is above the savings rate (6.7%).
Earnings vs Market: BCOLOMBIA's earnings (56.3% per year) are forecast to grow faster than the CO market (30.2% per year).
High Growth Earnings: earnings are expected to grow significantly over the next 3 years.
Revenue vs Market: BCOLOMBIA's revenue (25.5% per year) is forecast to grow faster than the CO market (9.6% per year).
High Growth Revenue: BCOLOMBIA's revenue (25.5% per year) is forecast to grow faster than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: BCOLOMBIA's Return on Equity is forecast to be low in 3 years time (12.6%).
Past Performance
How has Bancolombia performed over the past 5 years?
-6.0%
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: BCOLOMBIA has high quality earnings.
Growing Profit Margin: BCOLOMBIA's current net profit margins (3.3%) are lower than last year (24.7%).
Past Earnings Growth Analysis
Earnings Trend: BCOLOMBIA's earnings have declined by 6% per year over the past 5 years.
Accelerating Growth: BCOLOMBIA's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: BCOLOMBIA had negative earnings growth (-91.1%) over the past year, making it difficult to compare to the Banks industry average (-29.1%).
Return on Equity
High ROE: BCOLOMBIA's Return on Equity (1.1%) is considered low.
Financial Health
How is Bancolombia's financial position? (This company is analysed differently as a bank or financial institution)
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: BCOLOMBIA's Assets to Equity ratio (9.1x) is low.
Allowance for Bad Loans: BCOLOMBIA has a sufficient allowance for bad loans (101%).
Low Risk Liabilities: 80% of BCOLOMBIA's liabilities are made up of primarily low risk sources of funding.
Loan Level: BCOLOMBIA has an appropriate level of Loans to Assets ratio (70%).
Low Risk Deposits: BCOLOMBIA's Loans to Deposits ratio (98%) is appropriate.
Level of Bad Loans: BCOLOMBIA has a high level of bad loans (8.4%).
Dividend
What is Bancolombia current dividend yield, its reliability and sustainability?
3.92%
Current Dividend Yield
Upcoming Dividend Payment
Dividend Yield vs Market
Notable Dividend: BCOLOMBIA's dividend (3.8%) is higher than the bottom 25% of dividend payers in the CO market (3.21%).
High Dividend: BCOLOMBIA's dividend (3.8%) is low compared to the top 25% of dividend payers in the CO market (8.17%).
Stability and Growth of Payments
Stable Dividend: BCOLOMBIA's dividends per share have been stable in the past 10 years.
Growing Dividend: BCOLOMBIA's dividend payments have increased over the past 10 years.
Current Payout to Shareholders
Dividend Coverage: With its high payout ratio (407%), BCOLOMBIA's dividend payments are not well covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: No need to calculate the sustainability of BCOLOMBIA's dividend in 3 years as they are not forecast to pay a notable one for the CO market.
Next Steps
Management
How experienced are the management team and are they aligned to shareholders interests?
4.9yrs
Average management tenure
CEO
Juan Carlos Mora Uribe (55 yo)
4.92yrs
Tenure
Mr. Juan Carlos Mora Uribe has been the Chief Executive Officer and President of Bancolombia S.a. since May 1, 2016. Mr. Uribe serves as Chief Innovation and Digital Transformation Officer at Bancolombia S...
Leadership Team
Experienced Management: BCOLOMBIA's management team is considered experienced (4.9 years average tenure).
Board Members
Experienced Board: BCOLOMBIA's board of directors are not considered experienced ( 1.1 years average tenure), which suggests a new board.
Ownership
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Ownership Breakdown
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Top Shareholders
Company Information
Bancolombia S.A.'s company bio, employee growth, exchange listings and data sources
Key Information
- Name: Bancolombia S.A.
- Ticker: BCOLOMBIA
- Exchange: BVC
- Founded: 1945
- Industry: Diversified Banks
- Sector: Banks
- Market Cap: Col$28.672t
- Shares outstanding: 961.83m
- Website: https://www.grupobancolombia.com
Number of Employees
Location
- Bancolombia S.A.
- Carrera 48 # 26-85
- Avenida Los Industriales
- Medellín
- Colombia
Listings
Biography
Bancolombia S. A. provides various banking products and services to individual and corporate customers in Colombia, Panama, Puerto Rico, El Salvador, Costa Rica, and Guatemala. The company operates through...
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2021/04/13 00:10 |
| End of Day Share Price | 2021/04/12 00:00 |
| Earnings | 2020/12/31 |
| Annual Earnings | 2020/12/31 |
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.