Grupo Cibest S.A. - Sponsored ADR (CIB) vs Wintrust Financial Corporation (WTFC)

Grupo Cibest S.A. - Sponsored ADR and Wintrust Financial Corporation are both Banks Regional companies. Grupo Cibest S.A. - Sponsored ADR and Wintrust Financial Corporation are of similar size ($10.5B and $9.7B). Wintrust Financial Corporation trades at the lower P/E: 11.6× against 18.5×. Grupo Cibest S.A. - Sponsored ADR grew revenue faster over the last twelve months: 79.5% against 6.06%. Wintrust Financial Corporation has the higher net margin (19.5% vs 9.43%) and the lower return on invested capital (9.84% vs 33.7%). Both pay a dividend; Grupo Cibest S.A. - Sponsored ADR yields more (10.3% vs 1.79%). Across the 20 metrics below, Grupo Cibest S.A. - Sponsored ADR leads on 10 and Wintrust Financial Corporation on 10.

Valuation

Metric CIB WTFC Banks Regional median
P/E 18.55 11.57 12.15
P/S 2.20 2.27 2.37
P/B 1.99 1.39 1.21
Price to free cash flow 21.98 6.26 10.80
EV/EBITDA n/m n/m —
EV/Sales 1.59 2.31 2.27
Earnings yield 5.39% 8.64% 8.11%
Free cash flow yield 4.55% 15.97% 8.98%

Profitability

Metric CIB WTFC Banks Regional median
Gross margin 69.28% 65.90% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 9.43% 19.51% 18.66%
Free cash flow margin 10.01% 36.20% 21.18%
Return on equity 11.82% 12.57% 10.64%
Return on assets 1.23% 1.18% 1.13%
Return on invested capital 33.72% 9.84% 8.33%

Growth

Metric CIB WTFC Banks Regional median
Revenue growth (TTM) 79.45% 6.06% 6.61%
EPS growth (last fiscal year) (41.90%) 10.57% —
Revenue growth, 5-year CAGR 2.34% 17.39% 12.30%
Net income growth, 5-year CAGR 50.69% 23.30% 9.71%

Health

Metric CIB WTFC Banks Regional median
Debt to equity 0.18 0.58 0.22
Current ratio 0.99 0.98 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric CIB WTFC Banks Regional median
Dividend yield 10.28% 1.79% 3.75%
Payout ratio 0.44 0.15 0.27

Size

Metric CIB WTFC Banks Regional median
Market cap 10.49b 9.74b 921.07m

Compare with another peer

Any metric, up to five companies and an Excel export Powerpack