Bancolombia
Market Cap
Col$24.3t
Last Updated
2020/10/24 18:08 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
Snowflake Analysis
Established dividend payer with reasonable growth potential.
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 has not had significant price volatility in the past 3 months.
Market Performance
7 Day Return
2.7%
BCOLOMBIA
2.6%
CO Banks
0.2%
CO Market
1 Year Return
-39.8%
BCOLOMBIA
-29.6%
CO Banks
-26.0%
CO Market
Return vs Industry: BCOLOMBIA underperformed the CO Banks industry which returned -29.2% over the past year.
Return vs Market: BCOLOMBIA underperformed the CO Market which returned -25.5% over the past year.
Shareholder returns
| BCOLOMBIA | Industry | Market | |
|---|---|---|---|
| 7 Day | 2.7% | 2.6% | 0.2% |
| 30 Day | 0.04% | -0.8% | -1.3% |
| 90 Day | -1.9% | -1.3% | -3.2% |
| 1 Year | -35.8%-39.8% | -25.7%-29.6% | -22.4%-26.0% |
| 3 Year | -1.8%-13.4% | -3.1%-14.8% | 3.3%-8.7% |
| 5 Year | 29.1%6.2% | 22.2%-1.4% | 25.7%5.0% |
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?
14.93x
Price to Earnings (PE) ratio
Share Price vs. Fair Value
Below Fair Value: BCOLOMBIA (COP24990) is trading above our estimate of fair value (COP4174.42)
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 (14.9x) compared to the CO Banks industry average (9x).
PE vs Market: BCOLOMBIA is poor value based on its PE Ratio (14.9x) compared to the CO market (11.7x).
Price to Earnings Growth Ratio
PEG Ratio: BCOLOMBIA is good value based on its PEG Ratio (0.4x)
Price to Book Ratio
PB vs Industry: BCOLOMBIA's PB Ratio (0.9x) is in line with the CO Banks industry average.
Next Steps
Future Growth
How is Bancolombia forecast to perform in the next 1 to 3 years based on estimates from 10 analysts?
41.1%
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: BCOLOMBIA's forecast earnings growth (41.1% per year) is above the savings rate (6.9%).
Earnings vs Market: BCOLOMBIA's earnings (41.1% per year) are forecast to grow faster than the CO market (27.7% per year).
High Growth Earnings: earnings are expected to grow significantly over the next 3 years.
Revenue vs Market: BCOLOMBIA's revenue (10.6% per year) is forecast to grow faster than the CO market (4.3% per year).
High Growth Revenue: BCOLOMBIA's revenue (10.6% per year) is forecast to grow slower 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 (12.7%).
Next Steps
Past Performance
How has Bancolombia performed over the past 5 years?
3.0%
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: BCOLOMBIA has a high level of non-cash earnings.
Growing Profit Margin: BCOLOMBIA's current net profit margins (15.5%) are lower than last year (37%).
Past Earnings Growth Analysis
Earnings Trend: BCOLOMBIA's earnings have grown by 3% 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 (-51.5%) over the past year, making it difficult to compare to the Banks industry average (-22.9%).
Return on Equity
High ROE: BCOLOMBIA's Return on Equity (5.8%) is considered low.
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
Financial Institutions Analysis
Asset Level: BCOLOMBIA's Assets to Equity ratio (9.4x) is low.
Allowance for Bad Loans: BCOLOMBIA has a low allowance for bad loans (91%).
Low Risk Liabilities: 77% 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 (102%) is appropriate.
Level of Bad Loans: BCOLOMBIA has a high level of bad loans (7.6%).
Next Steps
Dividend
What is Bancolombia current dividend yield, its reliability and sustainability?
4.67%
Current Dividend Yield
Upcoming Dividend Payment
Dividend Yield vs Market
Notable Dividend: BCOLOMBIA's dividend (4.67%) is higher than the bottom 25% of dividend payers in the CO market (3.42%).
High Dividend: BCOLOMBIA's dividend (4.67%) is low compared to the top 25% of dividend payers in the CO market (7.07%).
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 reasonable payout ratio (69.8%), BCOLOMBIA's dividend payments are covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: BCOLOMBIA's dividends in 3 years are forecast to be well covered by earnings (31.9% payout ratio).
Next Steps
Management
How experienced are the management team and are they aligned to shareholders interests?
4.4yrs
Average management tenure
CEO
Juan Carlos Mora Uribe (55 yo)
4.42yrs
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
| Name | Position | Tenure | Compensation | Ownership |
|---|---|---|---|---|
| President & CEO | 4.42yrs | no data | no data | |
| CFO & VP of Finance | 0.75yr | no data | no data | |
| Investor Relations Manager | no data | no data | no data | |
| Chief Legal Officer | no data | no data | no data | |
| Chief Legal Officer & General Counsel | 0.83yr | no data | no data | |
| Vice President of Human Resources | 5.5yrs | no data | no data | |
| Chief Risk Management Officer & VP of Risk Management | 9.75yrs | no data | no data | |
| Chief Personal & SMES Banking Officer and Vice President of Business | 5yrs | no data | no data | |
| Chief Internal Auditor Officer | 0.75yr | no data | no data | |
| CEO & President of Banco Agrícola SA | no data | no data | no data | |
| CEO & President of Banistmo | no data | no data | no data | |
| President of Banco Agromercantil de Guatemala - BAM | no data | no data | no data |
4.4yrs
Average Tenure
53yo
Average Age
Experienced Management: BCOLOMBIA's management team is considered experienced (4.4 years average tenure).
Board Members
| Name | Position | Tenure | Compensation | Ownership |
|---|---|---|---|---|
| Chairman of the Board | 0.50yr | no data | no data | |
| Independent Director | 4.58yrs | no data | no data | |
| Independent Director | 7.58yrs | no data | no data | |
| Independent Vice Chairman of the Board | 0.50yr | no data | no data | |
| Independent Director | 4.58yrs | no data | no data | |
| Independent Director | 0.58yr | no data | no data | |
| Non Independent Director | 0.58yr | no data | no data |
0.6yrs
Average Tenure
59yo
Average Age
Experienced Board: BCOLOMBIA's board of directors are not considered experienced ( 0.6 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$24.312t
- 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
| Ticker | Exchange | Primary Security | Security Type | Country | Currency | Listed on |
|---|---|---|---|---|---|---|
| BCOLOMBIA | BVC (Bolsa de Valores de Colombia) | Yes | Common Shares | CO | COP | Feb 1994 |
| CIB | NYSE (New York Stock Exchange) | SPON ADR PREF | US | USD | Jul 1995 | |
| BXK | DB (Deutsche Boerse AG) | SPON ADR PREF | DE | EUR | Jul 1995 | |
| PFBCOLOM | BVC (Bolsa de Valores de Colombia) | Preferred Shares | CO | COP | Nov 1995 |
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 | 2020/10/24 18:08 |
| End of Day Share Price | 2020/10/23 00:00 |
| Earnings | 2020/06/30 |
| Annual Earnings | 2019/12/31 |
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.