Advertisement
BAP vs CIB
Which Stock Would AI Choose? Credicorp Ltd. (BAP) vs. Bancolombia S.A. (CIB) Stock Comparison
Key Takeaways
- Credicorp Ltd. (BAP) is a Peru-based financial holding company, while Bancolombia S.A. (CIB), also trading under the name Grupo Cibest, is a Colombia-based banking group with regional operations across Central America.
- Both stocks have delivered strong double-digit year-to-date gains, but CIB has shown notably stronger recent momentum and a higher trailing return over the past year.
- BAP offers a more diversified footprint and steadier profitability, while CIB stands out for record profitability and a faster-growing digital platform.
- Valuation and dividend profiles differ meaningfully: CIB carries a higher dividend yield, while BAP trades at a lower price-to-earnings multiple with a strong return on equity.
- Country-specific risks, including interest-rate and political cycles in Peru and Colombia, are central to each stock's market positioning.
Introduction
Investors focused on Latin American financials often weigh BAP and CIB as two of the region's most prominent publicly traded banking franchises. Both are deeply tied to the economic cycles of their home markets, yet they differ in scale, diversification, and recent stock performance. This stock comparison examines how these two names stack up across business model, growth drivers, momentum, and risk, offering a framework for traders and longer-term investors evaluating relative performance and market positioning in a shifting rate environment.
BAP Overview and Recent Performance
Credicorp Ltd. is a leading financial holding company in Peru, operating banking, insurance, pension, and microfinance businesses, with flagship operations under Banco de Credito del Peru. In recent market activity, BAP has traded near the upper end of its 52-week range, reflecting sustained investor demand for its diversified model and solid profitability. Its trailing return on equity (ROE), a measure of how efficiently a company generates profit from shareholder capital, has remained above 20%, supported by healthy net margins.
Sentiment in recent weeks has been shaped by the group's regional expansion, including progress on its digital banking subsidiary in Chile, and by a constructive outlook for Peruvian credit growth. The stock has delivered a strong year-to-date return, though its near-term price action has been comparatively steadier than that of higher-beta regional peers, consistent with its lower-volatility profile.
CIB Overview and Recent Performance
Bancolombia S.A., the Colombian banking group now known as Grupo Cibest, provides banking, trust, brokerage, and investment-banking services across Colombia, Panama, El Salvador, and Guatemala. CIB has been one of the standout performers among Latin American financials over the past year, with its American Depositary Receipts (ADRs) — securities that let U.S. investors trade shares of foreign companies — climbing sharply and outpacing many regional peers.
Recent results have reinforced this momentum. The company reported record quarterly profitability, an expanded net interest margin (NIM, the spread between interest earned on loans and paid on deposits), and an elevated ROE, prompting management to raise full-year guidance. Growth in its Nequi digital platform and the completion of a payroll-lending acquisition have further supported sentiment, even as Colombia's high policy interest rate and elevated inflation remain key macro headwinds.
Trending AI Robots
Tickeron maintains a curated Trending AI Robots section that highlights the AI trading bots best suited to current market conditions. While Tickeron hosts hundreds of AI trading bots that collectively trade thousands of different tickers, only a select group earns a place on this page. These bots vary widely in trading style, strategy, timeframe, performance statistics, and the sets of tickers they follow, allowing traders to compare options tailored to different objectives and risk tolerances. Reviewing the Trending AI Robots page can help investors identify automated strategies that align with their own approach to names such as BAP and CIB.
Head-to-Head Comparison
The two companies occupy different positions within the Latin American banking landscape. BAP is a diversified financial conglomerate with insurance and pension operations alongside banking, giving it multiple earnings streams. CIB is more concentrated in traditional banking and payments, though its regional subsidiaries and fast-growing Nequi digital platform add diversification.
On growth drivers, CIB has shown faster recent momentum, driven by margin expansion, improving efficiency, and digital adoption. BAP leans on stable credit demand and disciplined cost management for steadier, more predictable expansion. Risk profiles also differ: BAP is exposed to Peruvian political and economic cycles, while CIB faces Colombia's elevated inflation, high interest rates, and fiscal pressures. From a valuation standpoint, BAP trades at a lower earnings multiple, whereas CIB offers a higher dividend yield, reflecting its more aggressive capital-return posture.
Tickeron AI Verdict
Based on observable trend consistency, momentum, and relative positioning, Tickeron's AI would likely lean toward CIB in the current environment. The stock's stronger recent price trend, record profitability, and positive guidance revisions signal a more pronounced near-term catalyst profile. That said, BAP presents a more stable, lower-volatility alternative with a diversified earnings base and a more conservative valuation. The AI-driven assessment favors CIB on momentum while recognizing BAP's steadier risk-adjusted characteristics — an outcome that reflects the trade-off between growth momentum and stability rather than a definitive ranking.
Disclaimer
The information on this webpage is provided for general informational and educational purposes only and is not intended as investment advice, a recommendation to purchase or sell any security, or an offer or solicitation related to investments. It does not consider your personal financial situation, goals, or risk profile, and all investing carries inherent risks, including the possibility of losing your entire investment. For more details, please review our full disclaimer.
To compare these two companies we present long-term analysis, their fundamental ratings and make comparative short-term technical analysis which are presented below. The conclusion is BAP is a Buy and CIB is a Hold.
BAP's RSI Indicator ascends from oversold territory
The RSI Oscillator for BAP moved out of oversold territory on November 04, 2026. This could be a sign that the stock is shifting from a downward trend to an upward trend. Traders may want to buy the stock or call options. The A.I.dvisor looked at 15 similar instances when the indicator left oversold territory. In 12 of the 15 cases the stock moved higher. This puts the odds of a move higher at 80%.
Technical Analysis (Indicators)
Bullish Trend Analysis
The Stochastic Oscillator suggests the stock price trend may be in a reversal from a downward trend to an upward trend. 30 of 48 cases where BAP's Stochastic Oscillator exited the oversold zone resulted in an increase in price. Tickeron's analysis proposes that the odds of a continued upward trend are 62%.
The Momentum Indicator moved above the 0 level on November 10, 2026. You may want to consider a long position or call options on BAP as a result. In 57 of 82 past instances where the momentum indicator moved above 0, the stock continued to climb. The odds of a continued upward trend are 70%.
The Moving Average Convergence Divergence (MACD) for BAP just turned positive on November 11, 2026. Looking at past instances where BAP's MACD turned positive, the stock continued to rise in 31 of 44 cases over the following month. The odds of a continued upward trend are 70%.
Following a +3.61% 3-day Advance, the price is estimated to grow further. Considering data from situations where BAP advanced for three days, in 233 of 338 cases, the price rose further within the following month. The odds of a continued upward trend are 69%.
BAP may jump back above the lower band and head toward the middle band. Traders may consider buying the stock or exploring call options.
The Aroon Indicator entered an Uptrend today. In 238 of 360 cases where BAP Aroon's Indicator entered an Uptrend, the price rose further within the following month. The odds of a continued Uptrend are 66%.
Bearish Trend Analysis
BAP moved below its 50-day moving average on October 22, 2026 date and that indicates a change from an upward trend to a downward trend.
The 10-day moving average for BAP crossed bearishly below the 50-day moving average on October 28, 2026. This indicates that the trend has shifted lower and could be considered a sell signal. In 7 of 15 past instances when the 10-day crossed below the 50-day, the stock continued to move higher over the following month. The odds of a continued downward trend are 47%.
Following a 3-day decline, the stock is projected to fall further. Considering past instances where BAP declined for three days, the price rose further in 50 of 62 cases within the following month. The odds of a continued downward trend are 55%.
Fundamental Analysis (Ratings)
The Tickeron Profit vs. Risk Rating rating for this company is 2 (best 1 - 100 worst), indicating low risk on high returns. The average Profit vs. Risk Rating rating for the industry is 56, placing this stock better than average.
The Tickeron SMR rating for this company is 4 (best 1 - 100 worst), indicating very strong sales and a profitable business model. SMR (Sales, Margin, Return on Equity) rating is based on comparative analysis of weighted Sales, Income Margin and Return on Equity values compared against S&P 500 index constituents. The weighted SMR value is a proprietary formula developed by Tickeron and represents an overall profitability measure for a stock.
The Tickeron Valuation Rating of 9 (best 1 - 100 worst) indicates that the company is seriously undervalued in the industry. This rating compares market capitalization estimated by our proprietary formula with the current market capitalization. This rating is based on the following metrics, as compared to industry averages: P/B Ratio (0.725) is normal, around the industry mean (1.262). P/E Ratio (3.747) is within average values for comparable stocks, (13.479). Projected Growth (PEG Ratio) (1.040) is also within normal values, averaging (1.190). BAP's Dividend Yield (0.166) is considerably higher than the industry average of (0.035). P/S Ratio (4.088) is also within normal values, averaging (3.738).
The Tickeron Price Growth Rating for this company is 45 (best 1 - 100 worst), indicating steady price growth. BAP’s price grows at a higher rate over the last 12 months as compared to S&P 500 index constituents.
The Tickeron PE Growth Rating for this company is 95 (best 1 - 100 worst), pointing to worse than average earnings growth. The PE Growth rating is based on a comparative analysis of stock PE ratio increase over the last 12 months compared against S&P 500 index constituents.
CIB's Indicator enters downward trend
The Aroon Indicator for CIB entered a downward trend on October 12, 2026. Tickeron's A.I.dvisor identified a pattern where the AroonDown red line was above 70 while the AroonUp green line was below 30 for three straight days. This could indicate a strong downward move is ahead for the stock. Traders may want to consider selling the stock or buying put options. A.I.dvisor looked at 115 similar instances where the Aroon Indicator formed such a pattern. In 73 of the 115 cases the stock moved lower. This puts the odds of a downward move at 63%.
Technical Analysis (Indicators)
Bearish Trend Analysis
The Momentum Indicator moved below the 0 level on October 28, 2026. You may want to consider selling the stock, shorting the stock, or exploring put options on CIB as a result. In 36 of 84 cases where the Momentum Indicator fell below 0, the stock fell further within the subsequent month. The odds of a continued downward trend are 43%.
The Moving Average Convergence Divergence Histogram (MACD) for CIB turned negative on October 28, 2026. This could be a sign that the stock is set to turn lower in the coming weeks. Traders may want to sell the stock or buy put options. Tickeron's A.I.dvisor looked at 48 similar instances when the indicator turned negative. In 20 of the 48 cases the stock turned lower in the days that followed. This puts the odds of success at 42%.
CIB moved below its 50-day moving average on October 27, 2026 date and that indicates a change from an upward trend to a downward trend.
The 10-day moving average for CIB crossed bearishly below the 50-day moving average on October 30, 2026. This indicates that the trend has shifted lower and could be considered a sell signal. In 6 of 14 past instances when the 10-day crossed below the 50-day, the stock continued to move higher over the following month. The odds of a continued downward trend are 43%.
Following a 3-day decline, the stock is projected to fall further. Considering past instances where CIB declined for three days, the price rose further in 50 of 62 cases within the following month. The odds of a continued downward trend are 54%.
Bullish Trend Analysis
The Stochastic Oscillator suggests the stock price trend may be in a reversal from a downward trend to an upward trend. 45 of 55 cases where CIB's Stochastic Oscillator exited the oversold zone resulted in an increase in price. Tickeron's analysis proposes that the odds of a continued upward trend are 82%.
Following a +2.92% 3-day Advance, the price is estimated to grow further. Considering data from situations where CIB advanced for three days, in 259 of 340 cases, the price rose further within the following month. The odds of a continued upward trend are 76%.
CIB may jump back above the lower band and head toward the middle band. Traders may consider buying the stock or exploring call options.
Fundamental Analysis (Ratings)
The Tickeron SMR rating for this company is 1 (best 1 - 100 worst), indicating very strong sales and a profitable business model. SMR (Sales, Margin, Return on Equity) rating is based on comparative analysis of weighted Sales, Income Margin and Return on Equity values compared against S&P 500 index constituents. The weighted SMR value is a proprietary formula developed by Tickeron and represents an overall profitability measure for a stock.
The Tickeron Profit vs. Risk Rating rating for this company is 1 (best 1 - 100 worst), indicating low risk on high returns. The average Profit vs. Risk Rating rating for the industry is 56, placing this stock better than average.
The Tickeron Valuation Rating of 14 (best 1 - 100 worst) indicates that the company is seriously undervalued in the industry. This rating compares market capitalization estimated by our proprietary formula with the current market capitalization. This rating is based on the following metrics, as compared to industry averages: CIB's P/B Ratio (0.001) is slightly lower than the industry average of (1.262). P/E Ratio (0.005) is within average values for comparable stocks, (13.479). Projected Growth (PEG Ratio) (0.470) is also within normal values, averaging (1.190). Dividend Yield (0.060) settles around the average of (0.035) among similar stocks. CIB's P/S Ratio (1.355) is slightly lower than the industry average of (3.738).
The Tickeron Seasonality Score of 19 (best 1 - 100 worst) indicates that the company is slightly undervalued in the industry. The Tickeron Seasonality score describes the variance of predictable price changes around the same period every calendar year. These changes can be tied to a specific month, quarter, holiday or vacation period, as well as a meteorological or growing season.
The Tickeron Price Growth Rating for this company is 42 (best 1 - 100 worst), indicating steady price growth. CIB’s price grows at a higher rate over the last 12 months as compared to S&P 500 index constituents.
The Tickeron PE Growth Rating for this company is 97 (best 1 - 100 worst), pointing to worse than average earnings growth. The PE Growth rating is based on a comparative analysis of stock PE ratio increase over the last 12 months compared against S&P 500 index constituents.
BAP | CIB | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 21 | 90 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 9 Undervalued | 14 Undervalued | |
PROFIT vs RISK RATING 1..100 | 2 | 1 | |
SMR RATING 1..100 | 4 | 1 | |
PRICE GROWTH RATING 1..100 | 45 | 42 | |
P/E GROWTH RATING 1..100 | 95 | 97 | |
SEASONALITY SCORE 1..100 | 50 | 19 |
Tickeron ratings are formulated such that a rating of 1 designates the most successful stocks in a given industry, while a rating of 100 points to the least successful stocks for that industry.
BAP's Valuation (9) in the Regional Banks industry is in the same range as CIB (14). This means that BAP’s stock grew similarly to CIB’s over the last 12 months.
CIB's Profit vs Risk Rating (1) in the Regional Banks industry is in the same range as BAP (2). This means that CIB’s stock grew similarly to BAP’s over the last 12 months.
CIB's SMR Rating (1) in the Regional Banks industry is in the same range as BAP (4). This means that CIB’s stock grew similarly to BAP’s over the last 12 months.
CIB's Price Growth Rating (42) in the Regional Banks industry is in the same range as BAP (45). This means that CIB’s stock grew similarly to BAP’s over the last 12 months.
BAP's P/E Growth Rating (95) in the Regional Banks industry is in the same range as CIB (97). This means that BAP’s stock grew similarly to CIB’s over the last 12 months.
| BAP | CIB | |
|---|---|---|
| RSI ODDS (%) | 1 day ago 80% | N/A |
| Stochastic ODDS (%) | 1 day ago 63% | 1 day ago 82% |
| Momentum ODDS (%) | 1 day ago 70% | 1 day ago 43% |
| MACD ODDS (%) | 1 day ago 70% | 1 day ago 42% |
| TrendWeek ODDS (%) | 1 day ago 70% | 1 day ago 53% |
| TrendMonth ODDS (%) | 1 day ago 55% | 1 day ago 50% |
| Advances ODDS (%) | 1 day ago 69% | 3 days ago 76% |
| Declines ODDS (%) | 6 days ago 55% | 13 days ago 54% |
| BollingerBands ODDS (%) | 1 day ago 76% | 1 day ago 71% |
| Aroon ODDS (%) | 1 day ago 66% | 1 day ago 63% |
Long-Term Analysis
It is best to consider a long-term outlook for a ticker by using Fundamental Analysis (FA) ratings. The rating of 1 to 100, where 1 is best and 100 is worst, is divided into thirds. The first third (a green rating of 1-33) indicates that the ticker is undervalued; the second third (a grey number between 34 and 66) means that the ticker is valued fairly; and the last third (red number of 67 to 100) reflects that the ticker is overvalued. We use an FA Score to show how many ratings show the ticker to be undervalued (green) or overvalued (red).
BAP’s FA Score shows that 3 FA rating(s) are green while CIB’s FA Score has 3 green FA rating(s).
- BAP’s FA Score: 3 green, 2 red.
- CIB’s FA Score: 3 green, 2 red.
Short-Term Analysis
It is best to consider a short-term outlook for a ticker by using Technical Analysis (TA) indicators. We use Odds of Success as the percentage of outcomes which confirm successful trade signals in the past.
If the Odds of Success (the likelihood of the continuation of a trend) for each indicator are greater than 50%, then the generated signal is confirmed. A green percentage from 90% to 51% indicates that the ticker is in a bullish trend. A red percentage from 90% - 51% indicates that the ticker is in a bearish trend. All grey percentages are below 50% and are considered not to confirm the trend signal.
BAP’s TA Score shows that 6 TA indicator(s) are bullish while CIB’s TA Score has 3 bullish TA indicator(s).
- BAP’s TA Score: 6 bullish, 4 bearish.
- CIB’s TA Score: 3 bullish, 6 bearish.
Price Growth
BAP (@Regional Banks) experienced а +4.71% price change this week, while CIB (@Regional Banks) price change was -2.53% for the same time period.
The average weekly price growth across all stocks in the @Regional Banks industry was -1.23%. For the same industry, the average monthly price growth was +2.41%, and the average quarterly price growth was +11.80%.
Reported Earning Dates
BAP is expected to report earnings on Feb 11, 2027.
Industries' Descriptions
@Regional Banks (-1.23% weekly)Regional banks have a smaller reach than major banks, and cater mostly to one region of a country, such as a state or within a group of states. They offer services often similar – albeit with some limitations/smaller scale – compared to major banks. Taking deposits, making loans, mortgages, leases, credit cards , fund management, insurance and investment banking. SunTrust Banks, State Street Corp., M&T Bank Corp. are some examples of U.S. regional banks.
Advertisement
BAP and
Correlation & Price change
A.I.dvisor indicates that over the last year, BAP has been closely correlated with IFS. These tickers have moved in lockstep 77% of the time. This A.I.-generated data suggests there is a high statistical probability that if BAP jumps, then IFS could also see price increases.
CIB and
Correlation & Price change
A.I.dvisor indicates that over the last year, CIB has been loosely correlated with BSAC. These tickers have moved in lockstep 57% of the time. This A.I.-generated data suggests there is some statistical probability that if CIB jumps, then BSAC could also see price increases.
| Ticker / NAME | Correlation To CIB | 1D Price Change % | ||
|---|---|---|---|---|
| CIB | 100% | +0.92% | ||
| BSAC - CIB | 57% Loosely correlated | +0.31% | ||
| AVAL - CIB | 56% Loosely correlated | -5.39% | ||
| BCH - CIB | 51% Loosely correlated | +0.03% | ||
| BAP - CIB | 50% Loosely correlated | +0.26% | ||
| SUPV - CIB | 48% Loosely correlated | +1.75% | ||
More | ||||