Grupo Cibest (NYSE:CIB – Get Free Report) and NSTS Bancorp (NASDAQ:NSTS – Get Free Report) are both finance companies, but which is the superior business? We will compare the two businesses based on the strength of their valuation, earnings, institutional ownership, risk, dividends, analyst recommendations and profitability.
Analyst Ratings
This is a breakdown of current recommendations for Grupo Cibest and NSTS Bancorp, as provided by MarketBeat.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Grupo Cibest | 1 | 6 | 1 | 1 | 2.22 |
| NSTS Bancorp | 1 | 0 | 0 | 0 | 1.00 |
Grupo Cibest presently has a consensus target price of $76.60, indicating a potential downside of 13.69%. Given Grupo Cibest’s stronger consensus rating and higher probable upside, equities research analysts plainly believe Grupo Cibest is more favorable than NSTS Bancorp.
Earnings and Valuation
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Grupo Cibest | $10.45 billion | 2.01 | $764.13 million | $3.60 | 24.65 |
| NSTS Bancorp | $13.27 million | 5.47 | -$390,000.00 | ($0.02) | -690.50 |
Grupo Cibest has higher revenue and earnings than NSTS Bancorp. NSTS 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.
Risk and Volatility
Grupo Cibest has a beta of 0.67, indicating that its share price is 33% less volatile than the S&P 500. Comparatively, NSTS Bancorp has a beta of 0.22, indicating that its share price is 78% less volatile than the S&P 500.
Profitability
This table compares Grupo Cibest and NSTS Bancorp’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| Grupo Cibest | 8.41% | 21.07% | 2.18% |
| NSTS Bancorp | -0.72% | -0.12% | -0.04% |
Insider & Institutional Ownership
23.7% of NSTS Bancorp shares are owned by institutional investors. 8.3% of NSTS Bancorp shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company is poised for long-term growth.
Summary
Grupo Cibest beats NSTS Bancorp on 12 of the 15 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 NSTS Bancorp
NSTS Bancorp, Inc. operates as a savings and loan holding company for North Shore Trust and Savings that provides banking products and services in Illinois. The company offers interest-bearing and noninterest-bearing checking, money market, savings, and time deposit accounts; and one- to four-family residential mortgage, multi-family and commercial real estate mortgage, construction, home equity, and consumer loans. It operates through full-service banking offices in Lake County, Illinois; and one loan production office in Chicago. The company was founded in 1921 and is headquartered in Waukegan, Illinois.
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