Grupo Cibest (NYSE:CIB – Get Free Report) and Sierra Bancorp (NASDAQ:BSRR – Get Free Report) are both finance companies, but which is the superior business? We will compare the two companies based on the strength of their dividends, valuation, institutional ownership, analyst recommendations, earnings, risk and profitability.
Analyst Recommendations
This is a breakdown of current ratings and recommmendations for Grupo Cibest and Sierra Bancorp, as provided by MarketBeat.com.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Grupo Cibest | 1 | 4 | 3 | 1 | 2.44 |
| Sierra Bancorp | 0 | 3 | 2 | 0 | 2.40 |
Grupo Cibest presently has a consensus price target of $90.83, suggesting a potential downside of 4.78%. Sierra Bancorp has a consensus price target of $38.67, suggesting a potential downside of 2.34%. Given Sierra Bancorp’s higher possible upside, analysts clearly believe Sierra Bancorp is more favorable than Grupo Cibest.
Insider and Institutional Ownership
Risk & Volatility
Grupo Cibest has a beta of 0.67, suggesting that its stock price is 33% less volatile than the S&P 500. Comparatively, Sierra Bancorp has a beta of 0.76, suggesting that its stock price is 24% less volatile than the S&P 500.
Valuation & Earnings
This table compares Grupo Cibest and Sierra Bancorp”s revenue, earnings per share (EPS) and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Grupo Cibest | $29,676.55 billion | 0.00 | $764.13 million | $5.13 | 18.60 |
| Sierra Bancorp | $148.29 million | 3.46 | $42.33 million | $3.42 | 11.58 |
Grupo Cibest has higher revenue and earnings than Sierra Bancorp. Sierra Bancorp is trading at a lower price-to-earnings ratio than Grupo Cibest, indicating that it is currently the more affordable of the two stocks.
Profitability
This table compares Grupo Cibest and Sierra Bancorp’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| Grupo Cibest | 10.80% | 20.87% | 2.22% |
| Sierra Bancorp | 22.37% | 12.38% | 1.20% |
Dividends
Grupo Cibest pays an annual dividend of $5.45 per share and has a dividend yield of 5.7%. Sierra Bancorp pays an annual dividend of $1.08 per share and has a dividend yield of 2.7%. 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. Sierra Bancorp pays out 31.6% of its earnings in the form of a dividend. Sierra Bancorp has raised its dividend for 2 consecutive years.
Summary
Grupo Cibest beats Sierra Bancorp on 10 of the 18 factors compared between the two stocks.
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.
About Sierra Bancorp
Sierra Bancorp operates as the bank holding company for Bank of the Sierra that provides retail and commercial banking services to individuals and businesses in California. It accepts various deposit products, such as checking accounts, savings accounts, money market demand accounts, time deposits, retirement accounts, and sweep accounts. The company's loan products include agricultural, commercial, consumer, real estate, construction, and mortgage loans. It also offers automated teller machines; electronic point-of-sale payment alternatives; online and automated telephone banking services; and remote deposit capture and automated payroll services for business customers. Sierra Bancorp was founded in 1977 and is headquartered in Porterville, California.
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