Grupo Cibest S.A. - Sponsored ADR (CIB) vs First Horizon Corporation (FHN)

Grupo Cibest S.A. - Sponsored ADR and First Horizon Corporation are both Banks Regional companies. Grupo Cibest S.A. - Sponsored ADR and First Horizon Corporation are of similar size ($11.0B and $10.5B). First Horizon Corporation trades at the lower P/E: 11.1× against 18.5×. Grupo Cibest S.A. - Sponsored ADR grew revenue faster over the last twelve months: 79.5% against 1.67%. First Horizon Corporation has the higher net margin (20.6% vs 9.43%) and the lower return on invested capital (13.0% vs 33.7%). Both pay a dividend; Grupo Cibest S.A. - Sponsored ADR yields more (10.3% vs 4.36%). Across the 19 metrics below, First Horizon Corporation leads on 11 and Grupo Cibest S.A. - Sponsored ADR on 8.

Valuation

Metric CIB FHN Banks Regional median
P/E 18.55 11.12 12.15
P/S 2.20 2.23 2.37
P/B 1.99 1.27 1.21
Price to free cash flow 21.98 10.93 10.80
EV/EBITDA n/m n/m —
EV/Sales 1.59 1.65 2.27
Earnings yield 5.39% 8.99% 8.11%
Free cash flow yield 4.55% 9.15% 8.98%

Profitability

Metric CIB FHN Banks Regional median
Gross margin 69.28% 70.59% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 9.43% 20.56% 18.66%
Free cash flow margin 10.01% 20.42% 21.18%
Return on equity 11.82% 11.66% 10.64%
Return on assets 1.23% 1.23% 1.13%
Return on invested capital 33.72% 12.99% 8.33%

Growth

Metric CIB FHN Banks Regional median
Revenue growth (TTM) 79.45% 1.67% 6.61%
EPS growth (last fiscal year) (41.90%) 37.50% —
Revenue growth, 5-year CAGR 2.34% 8.01% 12.30%
Net income growth, 5-year CAGR 50.69% 3.07% 9.71%

Health

Metric CIB FHN Banks Regional median
Debt to equity 0.18 0.14 0.22
Current ratio 0.99 0.97 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric CIB FHN Banks Regional median
Dividend yield 10.28% 4.36% 3.75%
Payout ratio 0.44 0.32 0.27

Size

Metric CIB FHN Banks Regional median
Market cap 10.49b 10.98b 921.07m

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