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Upturn AI SWOT - About
CIB 
Bancolombia SA ADR (CIB)
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Upturn Advisory Summary
04/01/2025: CIB (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Analysis of Past Performance
Type Stock | Historic Profit -13.1% | Avg. Invested days 40 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 10.24B USD | Price to earnings Ratio 6.61 | 1Y Target Price 37.12 |
Price to earnings Ratio 6.61 | 1Y Target Price 37.12 | ||
Volume (30-day avg) 426139 | Beta 1.1 | 52 Weeks Range 26.23 - 42.07 | Updated Date 04/2/2025 |
52 Weeks Range 26.23 - 42.07 | Updated Date 04/2/2025 | ||
Dividends yield (FY) 36.85% | Basic EPS (TTM) 6.26 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 28.25% | Operating Margin (TTM) 36.66% |
Management Effectiveness
Return on Assets (TTM) 1.78% | Return on Equity (TTM) 15.22% |
Valuation
Trailing PE 6.61 | Forward PE 6.61 | Enterprise Value -17624945655808 | Price to Sales(TTM) - |
Enterprise Value -17624945655808 | Price to Sales(TTM) - | ||
Enterprise Value to Revenue 2.37 | Enterprise Value to EBITDA - | Shares Outstanding 113031000 | Shares Floating 543672712 |
Shares Outstanding 113031000 | Shares Floating 543672712 | ||
Percent Insiders - | Percent Institutions 20.58 |
Analyst Ratings
Rating 3 | Target Price 33.9 | Buy - | Strong Buy 1 |
Buy - | Strong Buy 1 | ||
Hold 8 | Sell 2 | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Bancolombia SA ADR
Company Overview
History and Background
Bancolombia S.A. was founded in 1875 in Medellu00edn, Colombia, as Banco de Colombia. Over the years, it expanded through mergers and acquisitions to become the largest financial institution in Colombia and one of the largest in Latin America. It began trading as an ADR on the NYSE in 1995.
Core Business Areas
- Retail Banking: Provides a wide range of products and services to individuals and small businesses, including checking and savings accounts, loans, credit cards, and investment products.
- Corporate Banking: Offers financial solutions to medium and large-sized companies, including corporate loans, trade finance, investment banking services, and cash management.
- Mortgage Banking: Provides mortgage loans for the purchase, construction, or renovation of residential properties.
- Leasing: Offers leasing services for various assets, including equipment, vehicles, and real estate.
- Investment Banking: Focuses on capital markets activities, including underwriting of securities, mergers and acquisitions advisory, and asset management.
Leadership and Structure
The CEO is Juan Carlos Mora Uribe. The organizational structure is hierarchical, with different business units reporting to executive management.
Top Products and Market Share
Key Offerings
- Market Share (%): 35
- Personal Loans: Offers personal loans for various purposes. Bancolombia is a major player in consumer lending in Colombia with large market share. Competitors include Davivienda, Banco de Bogotu00e1, and other local banks.
- Credit Cards: Provides a range of credit cards with various benefits and rewards programs. Bancolombia has a large credit card user base in Colombia. Competitors include Davivienda, Banco de Bogotu00e1, and RappiCard.
- Market Share (%): 28
- Corporate Loans: Offers corporate loans to businesses of all sizes. Bancolombia is the leading provider of corporate loans in Colombia. Competitors include Davivienda, Banco de Bogotu00e1, and international banks operating in Colombia.
- Market Share (%): 22
- Market Share (%): 25
- Mortgages: Provides mortgages to individuals to finance housing. Bancolombia is a major provider of mortgages within Colombia. Competitors include Davivienda, Banco de Bogotu00e1, and Colpatria.
Market Dynamics
Industry Overview
The Colombian banking sector is relatively consolidated, with a few large players dominating the market. It is influenced by economic growth, interest rates, and regulatory changes.
Positioning
Bancolombia is the largest bank in Colombia, with a strong market position and a comprehensive range of financial services. Its competitive advantages include its brand recognition, extensive branch network, and technological capabilities.
Total Addressable Market (TAM)
The TAM for banking services in Colombia is estimated to be in the billions of dollars annually. Bancolombia is well-positioned to capture a significant share of this market due to its size, reach, and diverse product offerings.
Upturn SWOT Analysis
Strengths
- Largest bank in Colombia
- Extensive branch network
- Strong brand recognition
- Diversified product portfolio
- Technological capabilities
Weaknesses
- Exposure to the Colombian economy
- Asset quality concerns
- Operational inefficiencies
- Reputational risk
Opportunities
- Growing middle class in Colombia
- Increased financial inclusion
- Expansion into new markets
- Digitalization of banking services
Threats
- Economic slowdown in Colombia
- Increased competition from fintech companies
- Regulatory changes
- Political instability
Competitors and Market Share
Key Competitors
- BKBDY
- CIB
- SAN
Competitive Landscape
Bancolombia has a strong competitive position in Colombia due to its size, brand recognition, and extensive branch network. However, it faces increasing competition from fintech companies and other banks.
Major Acquisitions
HSBC Panama
- Year: 2013
- Acquisition Price (USD millions): 2.1
- Strategic Rationale: Expanded Bancolombia's presence in Central America and increased its customer base.
Growth Trajectory and Initiatives
Historical Growth: Bancolombia has grown steadily over the past decade, driven by organic growth and strategic acquisitions.
Future Projections: Analysts expect Bancolombia to continue to grow in the coming years, driven by economic growth in Colombia and increased demand for financial services.
Recent Initiatives: Bancolombia has been investing in digital banking and expanding its presence in other Latin American countries.
Summary
Bancolombia is a strong company, the largest bank in Colombia, benefiting from a well-established brand and branch network. Its financial performance has been good, although susceptible to the Colombian economy's cycles. Expansion efforts into digital banking and other Latin American markets present growth opportunities. Increased competition and regulatory changes present challenges it needs to address.
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Sources and Disclaimers
Data Sources:
- Bancolombia Investor Relations
- SEC Filings
- Analyst Reports
- Market Research Reports
Disclaimers:
This analysis is based on publicly available information and analyst estimates. Actual results may differ. This is not financial advice.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Bancolombia SA ADR
Exchange NYSE | Headquaters - | ||
IPO Launch date 1995-07-26 | President & CEO Mr. Juan Carlos Mora Uribe | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 34114 | Website https://www.grupobancolombia.com |
Full time employees 34114 | Website https://www.grupobancolombia.com | ||
Bancolombia S.A., together with its subsidiaries, provides banking products and services in Colombia and internationally. 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, money market accounts, time deposits, 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; factoring; and financial and operating leasing services. The company provides hedging instruments, including futures, forwards, options, and swaps; and brokerage, investment advisory, and private banking services comprising selling and distributing equities, futures, foreign currencies, fixed income securities, mutual funds, and structured products. In addition, it offers cash management services; foreign currency and trade finance solutions; letters of credit and bills collection; insurance and bancassurance products; telephone and mobile phone banking services; and online and computer banking services. Further, the company provides project and acquisition finance, loan syndication, corporate loans, debt and equity capital markets, principal investments, mergers and acquisition, hedging strategy advisories, restructurings, and structured financing; mutual and pension funds, private equity funds, payment and corporate trust, and custody; internet-based trading platform; inter-bank lending and repurchase agreements; managing escrow accounts, and investment and real estate funds; credit cards; roadside and medical assistance services; and transportation, maintenance and remodeling, and outsourcing services, as well as provides technology services. Bancolombia S.A. was founded in 1875 and is headquartered in Medellín, Colombia.
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