CB Financial Services (NASDAQ:CBFV – Get Free Report) and Grupo Cibest (NYSE:CIB – Get Free Report) are both finance companies, but which is the superior business? We will contrast the two companies based on the strength of their profitability, earnings, analyst recommendations, institutional ownership, dividends, valuation and risk.
Valuation & Earnings
This table compares CB Financial Services and Grupo Cibest”s top-line revenue, earnings per share (EPS) and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| CB Financial Services | $80.52 million | 2.40 | $4.90 million | $1.35 | 28.13 |
| Grupo Cibest | $29,676.55 billion | 0.00 | $764.13 million | $5.13 | 19.07 |
Grupo Cibest has higher revenue and earnings than CB Financial Services. Grupo Cibest is trading at a lower price-to-earnings ratio than CB Financial Services, indicating that it is currently the more affordable of the two stocks.
Risk and Volatility
CB Financial Services has a beta of 0.29, indicating that its stock price is 71% less volatile than the S&P 500. Comparatively, Grupo Cibest has a beta of 0.67, indicating that its stock price is 33% less volatile than the S&P 500.
Institutional & Insider Ownership
33.1% of CB Financial Services shares are owned by institutional investors. 10.2% of CB Financial Services shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock will outperform the market over the long term.
Profitability
This table compares CB Financial Services and Grupo Cibest’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| CB Financial Services | 8.52% | 10.08% | 1.00% |
| Grupo Cibest | 10.80% | 20.87% | 2.22% |
Analyst Recommendations
This is a summary of current ratings and target prices for CB Financial Services and Grupo Cibest, as reported by MarketBeat.com.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| CB Financial Services | 0 | 2 | 2 | 0 | 2.50 |
| Grupo Cibest | 1 | 5 | 3 | 0 | 2.22 |
CB Financial Services currently has a consensus target price of $42.50, suggesting a potential upside of 11.92%. Grupo Cibest has a consensus target price of $90.83, suggesting a potential downside of 7.17%. Given CB Financial Services’ stronger consensus rating and higher probable upside, equities research analysts plainly believe CB Financial Services is more favorable than Grupo Cibest.
Dividends
CB Financial Services pays an annual dividend of $1.12 per share and has a dividend yield of 2.9%. Grupo Cibest pays an annual dividend of $5.45 per share and has a dividend yield of 5.6%. CB Financial Services pays out 83.0% of its earnings in the form of a dividend, suggesting it may not have sufficient earnings to cover its dividend payment in the future. Grupo Cibest pays out 106.2% of its earnings in the form of a dividend, suggesting it may not have sufficient earnings to cover its dividend payment in the future.
Summary
Grupo Cibest beats CB Financial Services on 9 of the 16 factors compared between the two stocks.
About CB Financial Services
CB Financial Services, Inc. operates as the bank holding company for Community Bank that provides various banking products and services for individuals and businesses in southwestern Pennsylvania, West Virginia, and Ohio. The company's primary deposit products include demand deposits, NOW accounts, money market accounts, and savings accounts, as well as time deposit products. Its loan products comprise residential real estate loans, such as one- to four-family mortgage loans, home equity installment loans, and home equity lines of credit; commercial real estate loans that are secured primarily by improved properties, such as retail facilities, office buildings, and other non-residential buildings; construction loans to individuals to finance the construction of residential dwellings, as well as for the construction of commercial properties, including hotels, apartment buildings, housing developments, and owner-occupied properties used for businesses; commercial and industrial loans, and lines of credit; consumer loans consisting of indirect auto loans, secured and unsecured loans, and lines of credit; and other loans. In addition, the company conducts insurance agency activities by offering property and casualty, commercial liability, surety, and other insurance products. The company was founded in 1901 and is headquartered in Carmichaels, Pennsylvania.
About Grupo Cibest
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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