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Stock Ratings / Financials / CIB / dividends
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Grupo Cibest S.A. American (CIB) Dividend Safety Gauge & 10-Year DRIP Compounder

$92.07 +0.05% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $91.90

Grupo Cibest S.A. American (CIB) carries a Roarable Rating of D+ (Sell) with 58/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.

ROARABLE D+ • SELL / AVOID Cap $22.30B
📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on CIB Below — or Connect Your Own ChatGPT / Claude
🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is CIB stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
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As of 2026-11-03, Grupo Cibest S.A. American (NYSE: CIB) is rated D+ (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 58/100 at a spot price of $92.07 (+0.05% 1D, market cap $22.30B). Pillar breakdown: Fundamental Cash Engine 11/20, Institutional 13F & Options Flow 9/20, SEC Balance-Sheet Forensics 15/20, FRED Macro Regime Fit 11/20, and Executive Insider Alignment 12/20. Across 1097 tracked Financials issuers, CIB ranks #446 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does CIB compare to BCH and BAP in the Financials sector?
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Within the Financials sector (Commercial Banks), CIB carries a Roarable D+ (58/100 RQD), trailing P/E of 32.8x, gross margin of —, and ROIC of 9.9%. By comparison, BCH (Banco De Chile ADS) holds a D grade (49/100 RQD, P/E 32.8x, ROIC 9.9%, cap $18.46B) and BAP (Credicorp Ltd.) posts a D+ grade (53/100 RQD, P/E 32.8x, ROIC 9.9%, cap $27.71B). Among the 5-stock peer group, CIB leads on earnings multiple (32.8x) while CIB leads on capital efficiency (9.9% ROIC).

✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for CIB?
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For Grupo Cibest S.A. American (CIB), key quantitative strengths include Clean SEC annual filing review with no major hidden accounting time-bombs and sector rank #446 in Financials, while primary risk factors center on Broader market pullbacks can still drag down strong stocks in the short run and implied 5-year growth hurdle of 25.3%/yr. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief
🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
🛡️ Portfolio Crash X-Ray
EXT / AFTER-HRS: $91.90 (-0.18%)🧬 Cannibal Buyback (-1.24% YoY Shares)⚙️ Cash Engine: 11/20 (D+) • 12.3% FCF Margin
Verify 90D Bucket Audit →
📊 Historical Track Record: Scores of 58/100 (D+) historically posted market-perform odds over rolling 90-day windows (+0.0% avg 90D alpha vs SPY • 52.7% hit rate — wait for RQD ≥ 70 breakout).
Audit Bucket Track Record →
RQD QUANT TACHOMETERSELL / AVOID • D+
025507510058
JEV AI Jury Split (Battleground)
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw D+ · Rk C
Cash (11)Whales (9)SEC (15)Macro (11)CEO (12)
Each axis scored 0–20
12M PRICE TARGET CONE+0% Base Target
$111 Bull$92 Base$72 Bear
📬 FREE CIB RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for CIB)Realized 20D OHLCV Swing Band: ±6.8%
Deterministic 5-Pillar Attribution (58/100 Composite)
🔍 WHY CIB SCORES 58/100 (D+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: SEC 10-K Forensic Risk+15/20 pts (26% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 7/9

▲ #2 Bullish Driver: Insider Conviction & Share Dilution+12/20 pts (21% of score)

SEC Form 4 / 13F Thermometer: 60% Net Buy • Cannibal Buyback (-1.24% YoY Shares)

▼ #1 Drag / Risk Factor: Whale & Options Positioning9/20 pts (-11 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-11 pts vs max)

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)
66
Grade B-$94.81+3.3% Next Q
Q2 (-2Q)
63
Grade C+$97.91+0.1% Next Q
Q3 (-1Q)
61
Grade C$98.00-6.1% Next Q
Current
58
Grade D+$92.07+0% Hist 90D α
Trajectory: B- (66) → D+ (58)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the CIB Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 58/100 (D+) score, CIB faces multiple-compression risk if 32.8x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-1.24% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($97.05) or 200D SMA ($81.80) invalidates the momentum regime and cuts Target Base ($92.07) toward Bear Floor ($71.81).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $CIB• $2.4M Crowd Pool • Kalshi / Polymarket Composite
Contract: “CIB Beats Next Quarter EPS Consensus (Upcoming Quarter) & Holds Above 200D SMA”
YES 58%NO 42%Trade / Inspect Odds →
CASH DIVIDEND + BUYBACK YIELD
1.8% Total Yield
0% Cash ($0.00/yr) + 1.8% Buybacks
PAYOUT SAFETY SPEEDOMETER
74/100 • REINVESTING IN GROWTH + BUYBACKS
FREE CASH FLOW PAYOUT RATIO
0% (100% Reinvested)
Retains cash flow for R&D and share repurchases
INTERACTIVE DRIP & SHAREHOLDER-YIELD COMPOUNDER (5.5% EST. ANNUAL)

$10,000 Compounded Over 10 Years → $17,081

Est. Year-10 Shareholder Yield: $307/yr
$10.6K
Yr 1
$11.1K
Yr 2
$11.7K
Yr 3
$12.4K
Yr 4
$13.1K
Yr 5
$13.8K
Yr 6
$14.5K
Yr 7
$15.3K
Yr 8
$16.2K
Yr 9
$17.1K
Yr 10
ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring CIB)

  • ✓Walkthrough of CIB's RQD Radar, SEC cash-conversion gap & downside invalidation levels
  • ✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
  • ✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
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CIB // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +35.02%▼ SUPPORT BREAKDOWN
2026-10-30O $92.38H $93.02L $91.31C $92.07VOL 252.3K
RES: $122.0SUP: $94.11SMA50: $97.05SMA200: $81.80
$108.6$96.11$83.59$71.08$58.57RES $122.0SUP $94.11$92.072026-04-302026-06-152026-07-312026-09-162026-10-30
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

CIB Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 CIB Butterfly Map → + Track CIB →
Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle
25.3%/yr Implied 5Y Growth

vs. +3.3% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on CIB today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for CIB. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for CIB today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (CIB)

Financials Rank #446 of 1097 ⚔️ BCH vs CIB Full Matrix →

1. Head-to-Head Financials Peer Comparison (CIB vs. BCH, BAP, WF, BSBR)

Industry: Commercial Banks (34 Tracked Issuers)

Across 1097 tracked Financials securities in the Roarable RQD universe, Grupo Cibest S.A. American (CIB) ranks #446 by composite RQD confidence (58/100, grade D+) and #113 by equity capitalization ($22.30B). Within this direct 5-issuer industry benchmark cohort, CIB leads on earnings valuation at 32.8x trailing P/E, while CIB leads on capital efficiency and profitability with 9.9% ROIC and — gross margin. CIB currently leads its immediate peer cohort in composite quantitative strength at 58/100 (D+).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
CIB ACTIVE
Grupo Cibest S.A. American
D+ 58/100 32.8x — 9.9% +0.05% $22.30B Benchmark Subject
BCH
Banco De Chile ADS
D 49/100 32.8x — 9.9% +3.48% $18.46B /bch-vs-cib →
BAP
Credicorp Ltd.
D+ 53/100 32.8x — 9.9% +0.58% $27.71B /bap-vs-cib →
WF
Woori Financial Group Inc. (each representing three (3) shares of )
D 46/100 — — — -1.43% $16.52B /wf-vs-cib →
BSBR
Banco Santander Brasil SA American
D 50/100 32.8x — 9.9% +2.27% $34.14B /bsbr-vs-cib →

2. CIB Fundamental Profitability, Capital Efficiency & Balance-Sheet Forensics

TRAILING 12M & FORWARD QUANTITATIVE SNAPSHOT

Grupo Cibest S.A. American (CIB) operates in Commercial Banks (Financials) with an equity capitalization of $22.30B, trailing P/E of 32.8x, forward P/E of 30.5x, and EV/EBITDA of 21.0x. Operating profitability registers a gross margin of —, operating margin of 13.9%, net profit margin of 10.9%, ROIC of 9.9%, and free cash flow yield of 2.21%, alongside an Altman Z-Score of N/A and Piotroski F-Score of 7/9.

3. CIB Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is CIB stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-03, Grupo Cibest S.A. American (NYSE: CIB) is rated D+ (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 58/100 at a spot price of $92.07 (+0.05% 1D, market cap $22.30B). Pillar breakdown: Fundamental Cash Engine 11/20, Institutional 13F & Options Flow 9/20, SEC Balance-Sheet Forensics 15/20, FRED Macro Regime Fit 11/20, and Executive Insider Alignment 12/20. Across 1097 tracked Financials issuers, CIB ranks #446 in composite RQD confidence.

How does CIB compare to BCH and BAP in the Financials sector?

Within the Financials sector (Commercial Banks), CIB carries a Roarable D+ (58/100 RQD), trailing P/E of 32.8x, gross margin of —, and ROIC of 9.9%. By comparison, BCH (Banco De Chile ADS) holds a D grade (49/100 RQD, P/E 32.8x, ROIC 9.9%, cap $18.46B) and BAP (Credicorp Ltd.) posts a D+ grade (53/100 RQD, P/E 32.8x, ROIC 9.9%, cap $27.71B). Among the 5-stock peer group, CIB leads on earnings multiple (32.8x) while CIB leads on capital efficiency (9.9% ROIC).

What are the biggest fundamental strengths and SEC risk factors for CIB?

For Grupo Cibest S.A. American (CIB), key quantitative strengths include Clean SEC annual filing review with no major hidden accounting time-bombs and sector rank #446 in Financials, while primary risk factors center on Broader market pullbacks can still drag down strong stocks in the short run and implied 5-year growth hurdle of 25.3%/yr. Institutional options positioning shows a 50% call / 50% put premium split.

Where is CIB trading relative to its 50-day, 200-day, and 52-week technical levels?

CIB last traded at $92.07 (+0.05% on volume of 175,298 shares), positioning the stock -5.13% below its 50-day simple moving average ($97.05) and +12.56% above its 200-day simple moving average ($81.80). Across its 52-week range of $56.60 to $105.60, CIB sits at the 72.4% percentile with a 14-day RSI of 38.9 (NEUTRAL RANGE) and an implied next-earnings move of ±6.8% ($85.81 to $98.33).

Direct Sub-Reports: CIB RQD Cockpit CIB 12M Forecast CIB Earnings & Move CIB Dividends & DRIP CIB Insiders & 13F CIB Whale Options CIB Profit Sankey CIB News & Why
ROARABLE RATING BRIEF • RQD 58/100 (D+) ✓ SEC XBRL & RQD VERIFIED

CIB — Grupo Cibest S.A. American: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2026-11-03

1. Roarable Rating Brief: What This Means to a Prospective Investor

Grupo Cibest S.A. American (CIB) earns a live Roarable RQD composite score of 58/100, corresponding to a D+ letter grade (Roarable Sell) at a spot price of $92.07 (+0.05% 1D, market capitalization $22.30B).

  • Fundamental Cash Engine (11/20): Anchored by return on invested capital (ROIC) of 9.9%, gross margin of —, operating margin of 13.9%, and free cash flow yield of 2.21%.
  • Whale 13F & Options Flow (9/20) + Insider Conviction (12/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (11/20) + Forensic Balance Sheet (15/20): Incorporates a 1.00x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 7/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

Grupo Cibest S.A. American (CIB) is a NYSE-listed issuer in the Financials sector, Commercial Banks industry. It operates in Commercial Banks with a market capitalization of $22.3B. Per the market data, operating margin is 13.9% and net margin is 10.9%.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • 🐂 Primary Bull Case (D+ • RQD 58/100): Clean SEC annual filing review with no major hidden accounting time-bombs. Free cash flow yield of 2.21% and institutional whale pillar of 9/20. With Fundamental Cash Engine at 11/20 and Institutional Whale Flow at 9/20, sustained execution supports upside toward the upper end of the $56.60 – $105.60 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Broader market pullbacks can still drag down strong stocks in the short run. Investors must weigh 32.8x trailing P/E and 21.0x EV/EBITDA against 13.9% operating margins and a 1.00x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

Operating in Commercial Banks (Financials), CIB carries a macro regime beta of 1.00 and gross margin of —.

  • Key Question #1: Can CIB sustain or expand its 13.9% operating margin and 9.9% ROIC against Commercial Banks peers over the next 4 quarters?
  • Key Question #2: Will free cash flow conversion (2.21% FCF yield) strengthen balance-sheet liquidity (Altman Z-Score N/A) toward the $105.60 52-week high?
  • Key Question #3: How sensitive is CIB's 30.5x forward P/E multiple to Financials capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

CIB Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Grupo Cibest S.A. American (CIB) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to CIB Debate Forum (3) ↓
🟡 MARKET WIRE Yahoo Finance • 2d ago
What Grupo Cibest Holders Bought Into

Nequi’s rapid march toward breakeven gave Grupo Cibest a concrete project for investors to focus on, supported by optimistic expectations of faster digital monetization and rising fee income. For Grupo Cibest shareholder

Read Full Source ↗
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

CIB Bull vs. Bear Conversation Board — What's Your Call at $92.07?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON CIB 🐻 33% BEARISH CONVICTION
1. Pick Your Side on CIB:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
SI SiliconVal_Bull RQD DEBATE OPENER • Growth & Tech Investor 🐂 BULLISH 🎯 Target: $113.18 (+23.0%)
📌 Pinned Debate

Forensic balance sheet scores 15 / 20 with Altman Z 2.5, Piotroski F 7/9, and Debt/Equity 0.5, the strongest pillar in the RQD rating.

The street is overcomplicating Grupo Cibest S.A. American (CIB). Forensic balance sheet scores 15 / 20 with Altman Z 2.5, Piotroski F 7/9, and Debt/Equity 0.5, the strongest pillar in the RQD rating.. With an RQD score of 58/100 (D+) and Forensic Balance Sheet at 15/20, any positive earnings surprise or guidance raise forces underweight funds to chase above $99.38.

CapAlloc_Nerd 🐂 BULL

@SiliconVal_Bull Agree on the RQD 58/100 quality, though with 1.0 beta I'm scaling in with half-size at $92.02 and keeping dry powder in case we test $85.58.

SH ShortSeller_Dan RQD DEBATE OPENER • Forensic Short Bias 🐻 BEARISH 🎯 Target: $69.94 (-24.0%)
Spot @ $92.02

P/E (TTM) of 32.8 and EV/EBITDA of 21 are demanding against ROIC of 9.9% and FCF yield of 2.21%, with whale 13F flow scored 9 / 20.

Sitting on the sidelines or leaning short CIB above $92.02. P/E (TTM) of 32.8 and EV/EBITDA of 21 are demanding against ROIC of 9.9% and FCF yield of 2.21%, with whale 13F flow scored 9 / 20.. Until Fundamental Cash Engine (11/20) and FCF yield (2.21%) inflect higher, upside is capped near $105.60.

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