NYSE:CIB

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

Excellent balance sheet established dividend payer.


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

4.0%

NYSE:CIB

0.3%

US Banks

0.9%

US Market


1 Year Return

19.2%

NYSE:CIB

-13.6%

US Banks

0.3%

US Market

CIB outperformed the Banks industry which returned -14.2% over the past year.

CIB outperformed the Market in United States of America which returned -0.5% over the past year.


Share holder returns

CIBIndustryMarket
7 Day4.0%0.3%0.9%
30 Day-1.3%-5.1%-1.9%
90 Day12.2%-3.5%1.6%
1 Year22.6%19.2%-11.2%-13.6%2.6%0.3%
3 Year45.7%33.1%43.6%33.7%41.0%31.8%
5 Year-4.0%-17.7%53.7%37.0%55.2%38.0%

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

Valuation

Is Bancolombia undervalued based on future cash flows and its price relative to the stock market?

10%

Discount to future cash flow value


Intrinsic Value Based on Future Cash Flows

Bancolombia's share price is below the future cash flow value, but not at a moderate discount (< 20%).

Bancolombia's share price is below the future cash flow value, but not at a substantial discount (< 40%).


Price Based on Earnings

Bancolombia is good value based on earnings compared to the US Banks industry average.

Bancolombia is good value based on earnings compared to the United States of America market.


Price Based on Expected Growth

Bancolombia is good value based on expected growth next year.


Price Based on Value of Assets

Bancolombia is overvalued based on assets compared to the US Banks industry average.


Next Steps

  • Explore potentially undervalued companies in the Banks industry.

Future Growth

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

14.9%

Forecasted annual earnings growth


Earnings and Revenue Growth Estimates


Future Annual Growth Analysis

Bancolombia's revenue is expected to grow by 11.3% yearly, however this is not considered high growth (20% yearly).

Bancolombia's earnings are expected to grow by 14.9% yearly, however this is not considered high growth (20% yearly).

Bancolombia's revenue growth is expected to exceed the United States of America market average.

Bancolombia's earnings growth is expected to exceed the United States of America market average.

Bancolombia's earnings growth is expected to exceed the low risk savings rate of 2.7%.


Earnings per Share Growth Estimates


Future Return on Equity

Bancolombia is not expected to efficiently use shareholders’ funds in the future (Return on Equity less than 20%).


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

Bancolombia's year on year earnings growth rate has been positive over the past 5 years.

Bancolombia's 1-year earnings growth exceeds its 5-year average (34.4% vs 5.7%)

Bancolombia's earnings growth has exceeded the US Banks industry average in the past year (34.4% vs 33.2%).


Return on Equity

Bancolombia has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).


Return on Assets

Bancolombia used its assets more efficiently than the US Banks industry average last year based on Return on Assets.


Return on Capital Employed

Unable to establish if Bancolombia improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.


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

Bancolombia has an acceptable proportion of non-loan assets held.

Bancolombia has a sufficient allowance for bad loans.

Bancolombia's liabilities are made up of primarily low risk sources of funding.

Bancolombia's level of assets compared to its equity is low (i.e. an appropriate level of borrowing to fund lending).

Loans at Bancolombia are broadly funded by customer deposits.

Bancolombia has a high level of bad loans (greater than 2%).


Next Steps

Dividend

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

3.28%

Expected Dividend Yield


Dividend Yield and Payments Analysis

Bancolombia's pays a higher dividend yield than the bottom 25% of dividend payers in United States of America (1.49%).

Bancolombia's dividend is below the markets top 25% of dividend payers in United States of America (3.84%).

Dividends per share have been stable in the past 10 years.

Dividends per share have increased over the past 10 years.


Current Payout to Shareholders

Dividends paid are well covered by earnings (3.2x coverage).


Future Payout to Shareholders

Dividends after 3 years are expected to be well covered by earnings (2.9x coverage).


Next Steps

Management

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

4.3yrs

Average management tenure


CEO

Juan Carlos Mora Uribe (54yo)

3.3yrs

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

4.3yrs

Average Tenure

54yo

Average Age

The tenure for the Bancolombia management team is about average.


Board Age and Tenure

4.4yrs

Average Tenure

61yo

Average Age

The tenure for the Bancolombia board of directors is about average.


Insider Trading

No 3 month open market individual insider trading information.


Ownership Breakdown


Management Team

  • Jaime Alberto Velásquez Botero (59yo)

    Chief Strategy & Finance Officer

    • Tenure: 0.0yrs
  • Juan Carlos Mora Uribe (54yo)

    President & CEO

    • Tenure: 3.3yrs
  • Mauricio Rosillo Rojas (50yo)

    Chief Legal Officer

    • Tenure: 0.0yrs
  • Alejandro Mejia Jaramillo (54yo)

    Investor Relations Manager

    • Tenure: 0.0yrs
  • Rodrigo Prieto Uribe (46yo)

    Chief Risk Management Officer & VP of Risk Management

    • Tenure: 8.6yrs
  • Carmenza Henao Tisnes (59yo)

    Chief Internal Auditor Officer & VP of Internal Audit

    • Tenure: 8.3yrs
  • Maria Cristina Arrastia Uribe (54yo)

    Chief Personal & SMES Banking Officer and Business Vicepresidency

    • Tenure: 3.8yrs
  • José Humberto Acosta Martin (57yo)

    VP of Finance and CFO

    • Tenure: 0.0yrs
  • Enrique González Bacci (54yo)

    Vice President of Human Resources

    • Tenure: 4.3yrs
  • Jorge Ospina Lara

    Vice President of Technology Services

    • Tenure: 0.0yrs

Board Members

  • Gonzalo Alberto Pérez Rojas (61yo)

    Director

    • Tenure: 15.6yrs
  • David Emilio Bojanini García (63yo)

    Chairman of the Board

    • Tenure: 0.0yrs
  • Andres Felipe Mejia Cardona (57yo)

    Director

    • Tenure: 3.4yrs
  • Hernando José Gómez Restrepo (62yo)

    Director

    • Tenure: 6.4yrs
  • Roberto Ricardo Steiner Sampedro (60yo)

    Director

    • Tenure: 5.4yrs
  • Luis Fernando Restrepo Echavarría (61yo)

    Director

    • Tenure: 3.4yrs
  • Arturo Leonidas Condo Tamayo (52yo)

    Director

    • Tenure: 3.4yrs

Company Information

Bancolombia S.A.'s company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Bancolombia S.A.
  • Ticker: CIB
  • Exchange: NYSE
  • Founded: 1945
  • Industry: Diversified Banks
  • Sector: Banks
  • Market Cap: Col$40.316t
  • Listing Market Cap: Col$11.725b
  • 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 Analysis2019/08/19 23:32
End of Day Share Price2019/08/19 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.