Grupo Cibest S.A. - Sponsored ADR (CIB) vs UMB Financial Corporation (UMBF)

Grupo Cibest S.A. - Sponsored ADR and UMB Financial Corporation are both Banks Regional companies. Grupo Cibest S.A. - Sponsored ADR and UMB Financial Corporation are of similar size ($10.5B and $10.3B). UMB Financial Corporation trades at the lower P/E: 11.2× against 18.5×. Grupo Cibest S.A. - Sponsored ADR grew revenue faster over the last twelve months: 79.5% against 27.6%. UMB Financial Corporation has the higher net margin (21.1% vs 9.43%) and the higher return on invested capital (41.1% vs 33.7%). Both pay a dividend; Grupo Cibest S.A. - Sponsored ADR yields more (10.3% vs 1.95%). Across the 20 metrics below, UMB Financial Corporation leads on 14 and Grupo Cibest S.A. - Sponsored ADR on 6.

Valuation

Metric CIB UMBF Banks Regional median
P/E 18.55 11.24 12.15
P/S 2.20 2.37 2.37
P/B 1.99 1.33 1.21
Price to free cash flow 21.98 9.92 10.80
EV/EBITDA n/m n/m —
EV/Sales 1.59 0.94 2.27
Earnings yield 5.39% 8.89% 8.11%
Free cash flow yield 4.55% 10.09% 8.98%

Profitability

Metric CIB UMBF Banks Regional median
Gross margin 69.28% 66.95% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 9.43% 21.06% 18.66%
Free cash flow margin 10.01% 23.89% 21.18%
Return on equity 11.82% 12.55% 10.64%
Return on assets 1.23% 1.27% 1.13%
Return on invested capital 33.72% 41.14% 8.33%

Growth

Metric CIB UMBF Banks Regional median
Revenue growth (TTM) 79.45% 27.62% 6.61%
EPS growth (last fiscal year) (41.90%) 3.34% —
Revenue growth, 5-year CAGR 2.34% 24.81% 12.30%
Net income growth, 5-year CAGR 50.69% 19.03% 9.71%

Health

Metric CIB UMBF Banks Regional median
Debt to equity 0.18 0.06 0.22
Current ratio 0.99 0.76 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric CIB UMBF Banks Regional median
Dividend yield 10.28% 1.95% 3.75%
Payout ratio 0.44 0.20 0.27

Size

Metric CIB UMBF Banks Regional median
Market cap 10.49b 10.25b 921.07m

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