CIB
Grupo Cibest S.A.
CIB offers stronger valuation, but that advantage does not outweigh its weaker overall profile.
MS
Morgan Stanley
MS has a slight edge over CIB overall, supported by stronger modeled upside and stronger fundamentals.
CIB Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Strong | |
| N/A | |
| N/A |
CIB's profitability is currently strong, and its revenue is stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like CIB.
MS Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
MS's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like MS.
CIB PE Valuation
CIB has no meaningful PE right now: it lost money over the past year.
MS PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 11x | $134 | -29% |
| Fair | 14x | $178 | -5.7% |
| Forward | 14x | $189 | — |
| Current | 15x | $189 | — |
| Expensive | 18x | $223 | +18% |
Historical ranges are pointers, not guarantees.
MS's PE is in its fair range at 15x. If earnings grow as analysts expect, today's price would be 14x next year's earnings.
CIB Forward outlook
| Metric | Outlook |
|---|---|
| -- | |
| Strong growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| Moderate |
Analysts expect earnings and revenue growth for CIB, with profitability improving.
MS Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Improving | |
| Limited | |
| Moderate |
Analysts expect earnings and revenue growth for MS, with profitability improving.
CIB Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q2 2026 | $9.82 | +16% |
| Q1 2026 | $8.85 | +10% |
| Q4 2025 | $9.20 | +17% |
| Q3 2025 | $9.28 | +22% |
| Q2 2025 | $8.45 | +25% |
| Q1 2025 | $8.01 | +36% |
| Q4 2024 | $7.89 | +59% |
| Q3 2024 | $7.62 | +79% |
CIB's earnings per share have fallen from their peak: $9.82 over the past year, against $33.18 in late 2022.
MS Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $13.39 | +6.3% |
| Q3 2026 | $12.60 | +29% |
| Q2 2026 | $12.37 | +40% |
| Q1 2026 | $11.04 | +29% |
| Q4 2025 | $10.21 | +28% |
| Q3 2025 | $9.76 | +48% |
| Q2 2025 | $8.84 | +45% |
| Q1 2025 | $8.53 | +55% |
| Q4 2024 | $7.95 | +53% |
MS has the edge over CIB on earnings, with stronger typical year-over-year growth.
CIB Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q2 2026 | $3.5B | +9.2% |
| Q1 2026 | $3.2B | +1.7% |
| Q4 2025 | $3.5B | +6.2% |
| Q3 2025 | $3.2B | -0.3% |
| Q2 2025 | $3.2B | -2.2% |
| Q1 2025 | $3.1B | -4.5% |
| Q4 2024 | $3.3B | -4.3% |
| Q3 2024 | $3.2B | -2.9% |
CIB's revenue has picked up after two years of holding roughly level: $3.5B last quarter, up 9.2% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q2 2026 | 30% | +6 points |
| Q1 2026 | 21% | -3.4 points |
| Q4 2025 | 17% | -5.1 points |
| Q3 2025 | 28% | +8.4 points |
| Q2 2025 | 24% | +6.6 points |
| Q1 2025 | 24% | +1.8 points |
| Q4 2024 | 22% | +5.5 points |
| Q3 2024 | 20% | +1.9 points |
CIB's operating margin was 30% last quarter, up 6 points from the same quarter a year ago.
MS Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $20.3B | +12% |
| Q2 2026 | $21.3B | +27% |
| Q1 2026 | $20.6B | +16% |
| Q4 2025 | $17.9B | +10% |
| Q3 2025 | $18.2B | +18% |
| Q2 2025 | $16.8B | +12% |
| Q1 2025 | $17.7B | +17% |
| Q4 2024 | $16.2B | +26% |
MS has the edge over CIB on sales, with more consistent year-over-year improvement.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 32% | -1.2 points |
| Q2 2026 | 34% | +6.9 points |
| Q1 2026 | 34% | +2.8 points |
| Q4 2025 | 32% | +2 points |
| Q3 2025 | 33% | +5.6 points |
| Q2 2025 | 28% | +0.4 points |
| Q1 2025 | 31% | +2.2 points |
| Q4 2024 | 30% | +14 points |
MS has the edge over CIB on profitability, with a higher operating margin.
CIB Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q2 2026 | $2.2B | +25% |
| Q1 2026 | $111.6M | +143% |
| Q4 2025 | $1.8B | -42% |
| Q3 2025 | -$566.6M | +$924.2M |
| Q2 2025 | $1.8B | +22% |
| Q1 2025 | $45.9M | +$3.6B |
| Q4 2024 | $3.1B | -11% |
| Q3 2024 | -$1.5B | -218% |
CIB has the edge over MS on cash generation, producing positive trailing cash flow while its opponent burns cash.
MS Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | -$46B | -$42.7B |
| Q2 2026 | -$2.7B | -123% |
| Q1 2026 | -$7.1B | +$16.9B |
| Q4 2025 | -$2.4B | -120% |
| Q3 2025 | -$3.3B | +$14B |
| Q2 2025 | $11.8B | +368% |
| Q1 2025 | -$24B | -650% |
| Q4 2024 | $11.8B | +$29.6B |
MS's free cash flow was −$58.3B over the past year, against −$3.7B the year before. Free cash flow isn't a meaningful measure for financial services companies like MS.
CIB Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.5% | -1.1M shares |
| 1 year | -1.8% | -4.3M shares |
| 3 years | -1.8% | -4.3M shares |
| 5 years | +293% | +176M shares |
| Available history | +293% | +176M shares |
CIB has the edge over MS on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q2 2026 | $79.1M |
| Q1 2026 | $76.2M |
| Q4 2025 | $21.4M |
| Q3 2025 | — |
| Q2 2025 | — |
| Q1 2025 | — |
| Q4 2024 | — |
| Q3 2024 | — |
CIB spent $177M buying back its own shares over the past year, after none the year before.
MS Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.2% | -3M shares |
| 1 year | -1.5% | -24M shares |
| 3 years | -4.7% | -77M shares |
| 5 years | -14% | -246M shares |
| Available history | -4.5% | -74M shares |
MS has 1.6B diluted shares, down 1.5% from a year ago.
CIB Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q2 2026 | -0.3x | Net Cash |
| Q1 2026 | -0.3x | Net Cash |
| Q4 2025 | -0.3x | Net Cash |
| Q3 2025 | -0.0x | Net Cash |
| Q2 2025 | -0.4x | Net Cash |
| Q1 2025 | 0.1x | Very low |
| Q4 2024 | 0.3x | Very low |
| Q3 2024 | 0.7x | Very low |
CIB has the edge over MS on leverage, with a lower net debt burden relative to earnings.
MS Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 7.8x | High |
| Q2 2026 | 7.3x | High |
| Q1 2026 | 8.2x | High |
| Q4 2025 | 8.6x | High |
| Q3 2025 | 8.4x | High |
| Q2 2025 | 8.7x | High |
| Q1 2025 | 8.7x | High |
| Q4 2024 | 7.9x | High |
MS's net debt is about 7.8 years of its operating earnings (EBITDA), down from 8.4 years a year ago. Net leverage isn't a meaningful measure for financial services companies like MS.
CIB Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 50.4 | Neutral |
| Stochastic | 23.4 | Neutral |
CIB's weekly RSI is 50 (neutral) and its Stochastic is 23 (neutral).
MS Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 45.0 | Neutral |
| Stochastic | 18.7 | Oversold |
MS's weekly RSI is 45 (neutral) and its Stochastic is 19 (oversold).
CIB PE vs Financial Services Sector
CIB has no meaningful PE right now: it lost money over the past year.
MS PE vs Financial Services Sector
| Metric | MS | Sector median | Relative |
|---|---|---|---|
| PE | 15x | 13x | 15% above |
| PE % | 59 | 63 | 4 pts below |
MS is trading at 15x earnings, a 15% premium to the Financial Services sector's median of 13x.
CIB Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $93.9 | 5.6% below |
| 20 week MA | $92.8 | 4.4% below |
| 50 week MA | $79.8 | 11% above |
| 100 week MA | $62.6 | 42% above |
| 200 week MA | $46.3 | 91% above |
CIB has pulled back, but its long-term trend is still up: it's below its 8- and 20-week averages, but 91% above its 200-week average.
MS Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $186.5 | 1.5% above |
| 20 week MA | $203.3 | 6.9% below |
| 50 week MA | $191.9 | 1.4% below |
| 100 week MA | $164.9 | 15% above |
| 200 week MA | $129.3 | 46% above |
MS's trend is mixed: it's above three of its five weekly moving averages, and 46% above its 200-week average.
CIB Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $54.8 | $40.3 | -27% |
| 2021 | $40.3 | $31.4 | -22% |
| 2022 | $31.4 | $28.0 | -11% |
| 2023 | $28.0 | $30.8 | +9.9% |
| 2024 | $30.8 | $32.1 | +4.2% |
| 2025 | $32.1 | $65.4 | +104% |
| 2026 YTD | $65.4 | $88.6 | +36% |
CIB has the edge over MS on returns for 2026, with the stronger performance.
MS Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $51.1 | $68.1 | +33% |
| 2021 | $68.1 | $99.3 | +46% |
| 2022 | $99.3 | $86.1 | -13% |
| 2023 | $86.1 | $93.3 | +8.3% |
| 2024 | $93.3 | $126.8 | +36% |
| 2025 | $126.8 | $181.9 | +43% |
| 2026 YTD | $181.9 | $189.2 | +4% |
MS has finished higher in five of the last six years. It's up 4% so far in 2026.