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Bancolombia BVC:BCOLOMBIA Stock Report

Last Price


Market Cap







28 Jun, 2022


Company Financials +
BCOLOMBIA fundamental analysis
Snowflake Score
Future Growth2/6
Past Performance3/6
Financial Health5/6

BCOLOMBIA Stock Overview

Bancolombia S.A. provides banking products and services in Colombia, Panama, Puerto Rico, El Salvador, Costa Rica, and Guatemala.

Bancolombia Competitors

Price History & Performance

Summary of all time highs, changes and price drops for Bancolombia
Historical stock prices
Current Share PriceCol$36,500.00
52 Week HighCol$45,700.00
52 Week LowCol$25,700.00
1 Month Change-16.95%
3 Month Change-12.68%
1 Year Change38.47%
3 Year Change-5.20%
5 Year Change13.71%
Change since IPO835.88%

Recent News & Updates

Shareholder Returns


Return vs Industry: BCOLOMBIA exceeded the CO Banks industry which returned -1.3% over the past year.

Return vs Market: BCOLOMBIA exceeded the CO Market which returned -4.3% over the past year.

Price Volatility

Is BCOLOMBIA's price volatile compared to industry and market?
BCOLOMBIA volatility
BCOLOMBIA Average Weekly Movement7.0%
Banks Industry Average Movement5.9%
Market Average Movement5.9%
10% most volatile stocks in CO Market7.7%
10% least volatile stocks in CO Market3.5%

Stable Share Price: BCOLOMBIA is more volatile than 75% of CO stocks over the past 3 months, typically moving +/- 7% a week.

Volatility Over Time: BCOLOMBIA's weekly volatility (7%) has been stable over the past year, but is still higher than 75% of CO stocks.

About the Company

194531,076Juan Carlos Mora Uribe

Bancolombia S.A. provides banking products and services in Colombia, Panama, Puerto Rico, El Salvador, Costa Rica, and Guatemala. The company operates through nine segments: Banking Colombia, Banking Panama, Banking El Salvador, Banking Guatemala, Trust, Investment Banking, Brokerage, International Banking, and All Other. It offers checking and savings accounts, fixed term deposits, and investment products; trade financing, loans funded by domestic development banks, working capital loans, credit cards, personal and vehicle loans, payroll loans, and overdrafts; financial support to real estate developers and mortgages for individuals and companies; factoring; and financial and operating leasing services.

Bancolombia Fundamentals Summary

How do Bancolombia's earnings and revenue compare to its market cap?
BCOLOMBIA fundamental statistics
Market CapCol$33.95t
Earnings (TTM)Col$5.28t
Revenue (TTM)Col$17.38t


P/E Ratio


P/B Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report
BCOLOMBIA income statement (TTM)
Cost of RevenueCol$15.83b
Gross ProfitCol$17.36t
Other ExpensesCol$12.09t

Last Reported Earnings

Mar 31, 2022

Next Earnings Date

Aug 02, 2022

Earnings per share (EPS)5.49k
Gross Margin99.91%
Net Profit Margin30.36%
Debt/Equity Ratio104.1%

How did BCOLOMBIA perform over the long term?

See historical performance and comparison



Current Dividend Yield


Payout Ratio

Does BCOLOMBIA pay a reliable dividends?

See BCOLOMBIA dividend history and benchmarks
When do you need to buy BCOLOMBIA by to receive an upcoming dividend?
Bancolombia dividend dates
Ex Dividend DateSep 27 2022
Dividend Pay DateOct 03 2022
Days until Ex dividend90 days
Days until Dividend pay date96 days

Does BCOLOMBIA pay a reliable dividends?

See BCOLOMBIA dividend history and benchmarks
We’ve recently updated our valuation analysis.


Is BCOLOMBIA undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score


Valuation Score 3/6

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Below Fair Value

  • Significantly Below Fair Value

  • PEG Ratio

Key Valuation Metric

Which metric is best to use when looking at relative valuation for BCOLOMBIA?

Other financial metrics that can be useful for relative valuation.

BCOLOMBIA key valuation metrics and ratios. From Price to Earnings, Price to Sales and Price to Book to Price to Earnings Growth Ratio, Enterprise Value and EBITDA.
Key Statistics
Enterprise Value/Revenuen/a
Enterprise Value/EBITDAn/a
PEG Ratio1.3x

Price to Earnings Ratio vs Peers

How does BCOLOMBIA's PE Ratio compare to its peers?

BCOLOMBIA PE Ratio vs Peers
The above table shows the PE ratio for BCOLOMBIA vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyPEEstimated GrowthMarket Cap
Peer Average5.5x
GRUPOAVAL Grupo Aval Acciones y Valores
BOGOTA Banco de Bogotá
PFDAVVNDA Banco Davivienda
GRUBOLIVAR Grupo Bolívar
BCOLOMBIA Bancolombia

Price-To-Earnings vs Peers: BCOLOMBIA is expensive based on its Price-To-Earnings Ratio (6.7x) compared to the peer average (5.5x).

Price to Earnings Ratio vs Industry

How does BCOLOMBIA's PE Ratio compare vs other companies in the South American Banks Industry?

Price-To-Earnings vs Industry: BCOLOMBIA is expensive based on its Price-To-Earnings Ratio (6.7x) compared to the CO Banks industry average (5.2x)

Price to Earnings Ratio vs Fair Ratio

What is BCOLOMBIA's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

BCOLOMBIA PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio6.7x
Fair PE Ratio9.8x

Price-To-Earnings vs Fair Ratio: BCOLOMBIA is good value based on its Price-To-Earnings Ratio (6.7x) compared to the estimated Fair Price-To-Earnings Ratio (9.8x).

Share Price vs Fair Value

What is the Fair Price of BCOLOMBIA when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: BCOLOMBIA (COP36500) is trading below our estimate of fair value (COP52733.43)

Significantly Below Fair Value: BCOLOMBIA is trading below fair value by more than 20%.

Price to Earnings Growth Ratio

PEG Ratio: BCOLOMBIA is poor value based on its PEG Ratio (1.3x)

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Future Growth

How is Bancolombia forecast to perform in the next 1 to 3 years based on estimates from 12 analysts?

Future Growth Score


Future Growth Score 2/6

  • Earnings vs Savings Rate

  • Earnings vs Market

  • High Growth Earnings

  • Revenue vs Market

  • High Growth Revenue

  • Future ROE


Forecasted annual earnings growth

Earnings and Revenue Growth Forecasts

Analyst Future Growth Forecasts

Earnings vs Savings Rate: BCOLOMBIA's forecast earnings growth (5.1% per year) is below the savings rate (6.4%).

Earnings vs Market: BCOLOMBIA's earnings (5.1% per year) are forecast to grow faster than the CO market (-0.6% per year).

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

Revenue vs Market: BCOLOMBIA's revenue (9.5% per year) is forecast to grow faster than the CO market (0.2% per year).

High Growth Revenue: BCOLOMBIA's revenue (9.5% 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 (15.5%).

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Past Performance

How has Bancolombia performed over the past 5 years?

Past Performance Score


Past Performance Score 3/6

  • Quality Earnings

  • Growing Profit Margin

  • Earnings Trend

  • Accelerating Growth

  • Earnings vs Industry

  • High ROE


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 (30.4%) are higher than last year (5.7%).

Past Earnings Growth Analysis

Earnings Trend: BCOLOMBIA's earnings have declined by 1.5% per year over the past 5 years.

Accelerating Growth: BCOLOMBIA's earnings growth over the past year (993.2%) exceeds its 5-year average (-1.5% per year).

Earnings vs Industry: BCOLOMBIA earnings growth over the past year (993.2%) exceeded the Banks industry 119.1%.

Return on Equity

High ROE: BCOLOMBIA's Return on Equity (17.1%) is considered low.

Discover strong past performing companies

Financial Health

How is Bancolombia's financial position? (This company is analysed differently as a bank or financial institution)

Financial Health Score


Financial Health Score 5/6

  • Asset Level

  • Allowance for Bad Loans

  • Low Risk Liabilities

  • Loan Level

  • Low Risk Deposits

  • Level of Bad Loans

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: 81% 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 (71%).

Low Risk Deposits: BCOLOMBIA's Loans to Deposits ratio (98%) is appropriate.

Level of Bad Loans: BCOLOMBIA has a high level of bad loans (6.7%).

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

Dividend Score


Dividend Score 4/6

  • Notable Dividend

  • High Dividend

  • Stable Dividend

  • Growing Dividend

  • Earnings Coverage

  • Future Dividend Coverage


Current Dividend Yield

Upcoming Dividend Payment

TodayJun 29 2022Ex Dividend DateSep 27 2022Dividend Pay DateOct 03 20226 days from Ex DividendBuy in the next 90 days to receive the upcoming dividend

Dividend Yield vs Market

Notable Dividend: BCOLOMBIA's dividend (8.55%) is higher than the bottom 25% of dividend payers in the CO market (3.49%).

High Dividend: BCOLOMBIA's dividend (8.55%) is low compared to the top 25% of dividend payers in the CO market (11.19%).

Stability and Growth of Payments

Stable Dividend: BCOLOMBIA's dividend payments have been volatile in the past 10 years.

Growing Dividend: BCOLOMBIA's dividend payments have increased over the past 10 years.

Current Payout to Shareholders

Earnings Coverage: With its reasonable payout ratio (56.9%), 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 (49.5% payout ratio).

Discover strong dividend paying companies


How experienced are the management team and are they aligned to shareholders interests?


Average management tenure


Juan Carlos Mora Uribe (56 yo)



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 (2.5 years average tenure).

Board Members

Experienced Board: BCOLOMBIA's board of directors are considered experienced (6.3 years average tenure).


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 employee growth, exchange listings and data sources

Key Information

  • Name: Bancolombia S.A.
  • Ticker: BCOLOMBIA
  • Exchange: BVC
  • Founded: 1945
  • Industry: Diversified Banks
  • Sector: Banks
  • Implied Market Cap: Col$33.954t
  • Shares outstanding: 961.83m
  • Website:

Number of Employees


  • Bancolombia S.A.
  • Carrera 48 # 26-85
  • Avenida Los Industriales
  • Medellín
  • Colombia


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2022/06/28 00:00
End of Day Share Price2022/06/28 00:00
Annual Earnings2021/12/31

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.