BVC:BCOLOMBIA

Stock Analysis Report

Executive Summary

Bancolombia S. A. provides various banking products and services to individual, corporate, and government customers in Colombia, Latin America, and the Caribbean region.

Snowflake

Fundamentals

Proven track record with adequate balance sheet and pays a dividend.


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


Market Performance


7 Day Return

1.0%

BCOLOMBIA

-0.4%

CO Banks

0.1%

CO Market


1 Year Return

32.6%

BCOLOMBIA

20.5%

CO Banks

0.4%

CO Market


Shareholder returns

BCOLOMBIAIndustryMarket
7 Day1.0%-0.4%0.1%
30 Day-0.3%1.8%0.7%
90 Day1.0%3.9%1.3%
1 Year36.5%32.6%25.3%20.5%5.9%0.4%
3 Year65.0%50.2%42.0%26.3%46.5%32.0%
5 Year70.2%44.6%45.1%18.3%20.9%1.6%

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?

8.7%

Undervalued compared to fair value


Share Price vs. Fair Value

Undervalued:

Significantly Undervalued: BCOLOMBIA is trading below fair value, but not by a significant amount.


Price To Earnings Ratio

PE vs Industry: BCOLOMBIA is poor value based on its PE Ratio (11.4x) compared to the Banks industry average (9.6x).

PE vs Market: BCOLOMBIA is poor value based on its PE Ratio (11.4x) compared to the CO market (11.5x).


Price to Earnings Growth Ratio

Low PEG Ratio: BCOLOMBIA is good value based on its PEG Ratio (0.8x)


Price to Book Ratio

PB vs Industry: BCOLOMBIA is overvalued based on its PB Ratio (1.5x) compared to the CO Banks industry average (1.3x).


Next Steps

Future Growth

How is Bancolombia forecast to perform in the next 1 to 3 years based on estimates from 10 analysts?

14.2%

Forecasted annual earnings growth


Earnings and Revenue Growth Forecasts


Analyst Future Growth Forecasts

Earnings vs Savings Rate: BCOLOMBIA's forecast earnings growth (14.2% per year) is above the savings rate (2.7%).

Earnings vs Market: BCOLOMBIA's earnings (14.2% per year) are forecast to grow faster than the CO market (7.8% per year).

High Growth Earnings: BCOLOMBIA's earnings are forecast to grow, but not significantly.

Revenue vs Market: BCOLOMBIA's revenue (10.5% per year) is forecast to grow faster than the CO market (4% per year).

High Growth Revenue: BCOLOMBIA's revenue (10.5% per year) is forecast to grow slower than 20% per year.


Earnings per Share Growth Forecasts


Future Return on Equity

Information is not available.


Next Steps

Past Performance

How has Bancolombia performed over the past 5 years?

5.7%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

Earnings Trend: BCOLOMBIA's earnings have grown by 5.7% per year over the past 5 years.

Accelerating Growth: BCOLOMBIA's earnings growth over the past year (34.4%) exceeds its 5-year average (5.7% per year).

Earnings vs Industry: BCOLOMBIA earnings growth over the past year (34.4%) exceeded the Banks industry 25.3%.


Return on Equity

High ROE: BCOLOMBIA's Return on Equity (12.7%) is considered low.


Return on Assets

ROA vs Industry: BCOLOMBIA has a higher Return on Assets than the Banks industry average last year.


Return on Capital Employed

ROCE Improving: Insufficient data to calculate BCOLOMBIA's Return on Capital Employed to determine if it has improved over the past 3 years.


Next Steps

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

Information is not available.

Information is not available.


Financial Institutions Analysis

Asset Level: BCOLOMBIA's level of assets compared to its equity is low.

Allowance for Bad Loans: BCOLOMBIA has a sufficient allowance for bad loans.

Low Risk Liabilities: BCOLOMBIA's liabilities are made up of primarily low risk sources of funding.

Loan Level: BCOLOMBIA has an acceptable proportion of non-loan assets held.

Low Risk Deposits: BCOLOMBIA's loans are broadly funded by customer deposits.

Level of Bad Loans: BCOLOMBIA has a high level of bad loans (6.71%)


Next Steps

Dividend

What is Bancolombia's current dividend yield, its reliability and sustainability?

2.74%

Current Dividend Yield


Upcoming Dividend Payment

Purchase Bancolombia before the 'Buy Limit' to receive their next dividend payment.


Dividend Yield vs Market

company2.7%marketbottom25%2.8%markettop25%4.9%industryaverage3.6%forecastin3Years3.3%

Current dividend yield vs market & industry


Stability and Growth of Payments

Notable Dividend: BCOLOMBIA's dividend (2.74%) isn’t notable compared to the bottom 25% of dividend payers in the CO market (2.78%).

High Dividend: BCOLOMBIA's dividend (2.74%) is low compared to the top 25% of dividend payers in the CO market (4.95%).

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 reasonably low payout ratio (31.2%), BCOLOMBIA's dividend payments are well covered by earnings.


Future Payout to Shareholders

Future Dividend Coverage: BCOLOMBIA's dividends in 3 years are forecast to be well covered by earnings (34.5% payout ratio).


Next Steps

Management

What is the CEO of Bancolombia's salary, the management and board of directors tenure and is there insider trading?

4.5yrs

Average management tenure


CEO

Juan Carlos Mora Uribe (54yo)

3.4yrs

Tenure

0

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 ...


Management Age and Tenure

4.5yrs

Average Tenure

54yo

Average Age

Experienced Management: BCOLOMBIA's management team is considered experienced (4.5 years average tenure).


Board Age and Tenure

3.6yrs

Average Tenure

61yo

Average Age

Experienced Board: BCOLOMBIA's board of directors are considered experienced (3.6 years average tenure).


Insider Trading

Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.


Ownership Breakdown


Management Team

  • Jaime Alberto Velásquez Botero (59yo)

    Chief Strategy & Finance Officer

    • Tenure: 0yrs
  • Juan Carlos Mora Uribe (54yo)

    President & CEO

    • Tenure: 3.4yrs
  • Mauricio Rosillo Rojas (50yo)

    Chief Legal Officer

    • Tenure: 0yrs
  • Alejandro Mejia Jaramillo (54yo)

    Investor Relations Manager

    • Tenure: 0yrs
  • Rodrigo Prieto Uribe (46yo)

    Chief Risk Management Officer & VP of Risk Management

    • Tenure: 8.8yrs
  • Carmenza Henao Tisnes (59yo)

    Chief Internal Auditor Officer & VP of Internal Audit

    • Tenure: 8.5yrs
  • Maria Cristina Arrastia Uribe (54yo)

    Chief Personal & SMES Banking Officer and Business Vicepresidency

    • Tenure: 4yrs
  • José Humberto Acosta Martin (57yo)

    VP of Finance and CFO

    • Tenure: 0yrs
  • Enrique González Bacci (54yo)

    Vice President of Human Resources

    • Tenure: 4.5yrs
  • Jorge Ospina Lara

    Vice President of Technology Services

    • Tenure: 0yrs

Board Members

  • Gonzalo Alberto Pérez Rojas (61yo)

    Director

    • Tenure: 15.8yrs
  • David Emilio Bojanini García (63yo)

    Chairman of the Board

    • Tenure: 0yrs
  • Andres Felipe Mejia Cardona (57yo)

    Director

    • Tenure: 3.6yrs
  • Hernando José Gómez Restrepo (62yo)

    Director

    • Tenure: 6.6yrs
  • Luis Fernando Restrepo Echavarría (61yo)

    Director

    • Tenure: 3.6yrs
  • Arturo Leonidas Condo Tamayo (52yo)

    Director

    • Tenure: 3.6yrs

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$39.435t
  • 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

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
BCOLOMBIABVC (Bolsa de Valores de Colombia)YesCommon SharesCOCOPFeb 1994
CIBNYSE (New York Stock Exchange)SPON ADR EACH REP 4 PRF COP500(BNY)USUSDJul 1995
BXKDB (Deutsche Boerse AG)SPON ADR EACH REP 4 PRF COP500(BNY)DEEURJul 1995
PFBCOLOMBVC (Bolsa de Valores de Colombia)Preferred SharesCOCOPNov 1995

Biography

Bancolombia S. A. provides various banking products and services to individual, corporate, and government customers in Colombia, Latin America, and the Caribbean region. The company operates in nine segmen ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/10/17 18:02
End of Day Share Price2019/10/16 00:00
Earnings2019/06/30
Annual Earnings2018/12/31


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.