Investors seeking exposure to Latin American banking often weigh three prominent New York-listed American Depositary Receipts (ADRs, which are dollar-denominated certificates representing foreign shares): AVAL (Grupo Aval), BAP (Credicorp), and CIB (Bancolombia, now Grupo Cibest). While each operates in a distinct market context, they compete for the same pool of emerging-market financial investors. This stock comparison examines their business models, recent performance, and market positioning to help traders and long-term investors assess where relative value and momentum currently sit.
AVAL, or Grupo Aval Acciones y Valores, is a Colombian financial conglomerate whose core operations include commercial banking through Banco de Bogotá and other entities, as well as pension and asset-management units and non-bank holdings through Corficolombiana, which carries exposure to infrastructure and energy-adjacent sectors. In recent weeks, sentiment toward AVAL has improved as Colombia's macroeconomic backdrop has firmed and the outlook for bank net interest margins (NIM, the spread between interest earned and interest paid) has brightened. Analysts have noted rising return on equity estimates, and at least one major firm has moved its rating from an underweight stance to a more neutral position. The ADR has climbed substantially over the trailing twelve months, reflecting renewed investor interest in Colombian assets. However, AVAL still trades at a meaningful discount to its regional peers, a reflection of its lower relative profitability and its broader sensitivity to Colombia's political and fiscal trajectory.
BAP, or Credicorp Ltd., is Peru's leading financial services holding company, operating across universal banking (BCP), microfinance (Mibanco), insurance and pensions (Grupo Pacífico), and a fast-growing digital payments platform (Yape). Recent market activity has highlighted the strength and consistency of its earnings engine: the company reported loan growth in the low double digits and an ROE above 20% in its latest quarter, while improving asset quality pushed its non-performing loan (NPL, meaning loans at risk of default) ratio lower. Management has raised its medium-term profitability target, citing structural gains from its digital ecosystem, and declared a record ordinary dividend. In recent weeks, BAP shares have traded near the higher end of their range, though the stock remains sensitive to Peru's election cycle, weather-related economic disruptions, and a long-running tax dispute. Relative performance has been steady rather than spectacular, supported by disciplined capital returns.
CIB, Bancolombia (now operating as Grupo Cibest), is Colombia's largest financial institution by assets and deposits, with additional operations in Central America. It has been the standout performer of this trio in recent market activity. The company delivered a record quarterly ROE near 29% and a NIM approaching 8%, supported by a favorable interest-rate environment and a benign credit cycle, while its efficiency and cost control improved markedly. Its digital platform, Nequi, has scaled to roughly 18 million monetized users, adding a structural growth driver. These results triggered a wave of analyst upgrades and rising price targets, and the ADR has roughly doubled over the trailing twelve months. In recent weeks, CIB has maintained strong relative performance, though elevated Colombian inflation, a policy rate near 12%, and a widening fiscal deficit remain the principal risks to its trajectory.
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The clearest contrast among these three names is profitability versus valuation. CIB currently pairs the highest ROE with strong price momentum, but it is also the most expensive on earnings-based measures and most exposed to Colombia's high-rate, high-inflation environment. BAP sits between the two: its ROE is consistently strong and its business mix is the most diversified, spanning banking, insurance, and digital payments, which tends to smooth earnings across cycles—though its concentration in Peru introduces political and weather-related risks. AVAL is the value proposition of the group, trading at the lowest multiples and offering a solid dividend yield, but with lower return metrics and heavier reliance on a single country's macro trajectory. In sector-exposure terms, BAP provides the broadest diversification, CIB the strongest current operating leverage, and AVAL the deepest discount—making the trade-off one of momentum and quality versus price.
Based on observable trend consistency, earnings momentum, and relative positioning, Tickeron's AI would likely favor CIB in the current environment. The stock combines the strongest recent profitability, accelerating NIM expansion, and a series of upward analyst revisions—conditions that typically align with sustained trend strength. BAP ranks as a close second thanks to its more stable, diversified earnings base and improving digital momentum, which may appeal to models prioritizing lower volatility. AVAL, while inexpensive and improving, would likely be viewed as a higher-uncertainty, catalyst-dependent candidate. As always, this is a probabilistic assessment of trend and positioning rather than a forecast of future prices, and relative rankings can shift as market conditions evolve.
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The Moving Average Convergence Divergence (MACD) for AVAL turned positive on October 23, 2026. Looking at past instances where AVAL's MACD turned positive, the stock continued to rise in 30 of 38 cases over the following month. The odds of a continued upward trend are 79%.
The RSI Oscillator points to a transition from a downward trend to an upward trend -- in cases where AVAL's RSI Oscillator exited the oversold zone, 15 of 23 resulted in an increase in price. Tickeron's analysis proposes that the odds of a continued upward trend are 65%.
The Stochastic Oscillator suggests the stock price trend may be in a reversal from a downward trend to an upward trend. 40 of 57 cases where AVAL'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 70%.
The Momentum Indicator moved above the 0 level on October 23, 2026. You may want to consider a long position or call options on AVAL as a result. In 63 of 101 past instances where the momentum indicator moved above 0, the stock continued to climb. The odds of a continued upward trend are 62%.
Following a +3.98% 3-day Advance, the price is estimated to grow further. Considering data from situations where AVAL advanced for three days, in 147 of 224 cases, the price rose further within the following month. The odds of a continued upward trend are 66%.
AVAL may jump back above the lower band and head toward the middle band. Traders may consider buying the stock or exploring call options.
AVAL moved below its 50-day moving average on September 18, 2026 date and that indicates a change from an upward trend to a downward trend.
The 10-day moving average for AVAL crossed bearishly below the 50-day moving average on September 24, 2026. This indicates that the trend has shifted lower and could be considered a sell signal. In 13 of 19 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 68%.
Following a 3-day decline, the stock is projected to fall further. Considering past instances where AVAL 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 62%.
The Aroon Indicator for AVAL entered a downward trend on October 23, 2026. This could indicate a strong downward move is ahead for the stock. Traders may want to consider selling the stock or buying put options.
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 16 (best 1 - 100 worst) indicates that the company is slightly 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: AVAL's P/B Ratio (0.000) is slightly lower than the industry average of (1.271). P/E Ratio (0.003) is within average values for comparable stocks, (13.247). Projected Growth (PEG Ratio) (0.430) is also within normal values, averaging (1.190). Dividend Yield (0.012) settles around the average of (0.035) among similar stocks. AVAL's P/S Ratio (1.089) is slightly lower than the industry average of (3.738).
The Tickeron Price Growth Rating for this company is 47 (best 1 - 100 worst), indicating steady price growth. AVAL’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.
The 10-day moving average for BAP crossed bullishly above the 50-day moving average on October 15, 2026. This indicates that the trend has shifted higher and could be considered a buy signal. In 11 of 14 past instances when the 10-day crossed above the 50-day, the stock continued to move higher over the following month. The odds of a continued upward trend are 79%.
Following a +1.65% 3-day Advance, the price is estimated to grow further. Considering data from situations where BAP advanced for three days, in 233 of 336 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 260 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 72%.
The Stochastic Oscillator may be shifting from an upward trend to a downward trend. In 30 of 57 cases where BAP's Stochastic Oscillator exited the overbought zone, the price fell further within the following month. The odds of a continued downward trend are 53%.
The Momentum Indicator moved below the 0 level on October 22, 2026. You may want to consider selling the stock, shorting the stock, or exploring put options on BAP as a result. In 52 of 81 cases where the Momentum Indicator fell below 0, the stock fell further within the subsequent month. The odds of a continued downward trend are 64%.
The Moving Average Convergence Divergence Histogram (MACD) for BAP turned negative on October 22, 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 45 similar instances when the indicator turned negative. In 24 of the 45 cases the stock turned lower in the days that followed. This puts the odds of success at 53%.
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.
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%.
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 10 (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 (0.771) is normal, around the industry mean (1.271). P/E Ratio (3.987) is within average values for comparable stocks, (13.247). Projected Growth (PEG Ratio) (1.040) is also within normal values, averaging (1.190). BAP's Dividend Yield (0.156) 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 Seasonality Score of 50 (best 1 - 100 worst) indicates that the company is fair valued 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 PE Growth Rating for this company is 94 (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 saw its Momentum Indicator move above the 0 level on October 21, 2026. This is an indication that the stock could be shifting in to a new upward move. Traders may want to consider buying the stock or buying call options. Tickeron's A.I.dvisor looked at 84 similar instances where the indicator turned positive. In 71 of the 84 cases, the stock moved higher in the following days. The odds of a move higher are at 85%.
The Moving Average Convergence Divergence (MACD) for CIB just turned positive on October 12, 2026. Looking at past instances where CIB's MACD turned positive, the stock continued to rise in 37 of 48 cases over the following month. The odds of a continued upward trend are 77%.
CIB moved above its 50-day moving average on October 21, 2026 date and that indicates a change from a downward trend to an upward trend.
The 10-day moving average for CIB crossed bullishly above the 50-day moving average on October 21, 2026. This indicates that the trend has shifted higher and could be considered a buy signal. In 6 of 15 past instances when the 10-day crossed above the 50-day, the stock continued to move higher over the following month. The odds of a continued upward trend are 40%.
Following a +2.09% 3-day Advance, the price is estimated to grow further. Considering data from situations where CIB advanced for three days, in 258 of 337 cases, the price rose further within the following month. The odds of a continued upward trend are 77%.
The Stochastic Oscillator entered the overbought zone. Expect a price pull-back in the foreseeable future.
The Aroon Indicator for CIB entered a downward trend on October 12, 2026. This could indicate a strong downward move is ahead for the stock. Traders may want to consider selling the stock or buying put options.
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 13 (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 (1.271). P/E Ratio (0.005) is within average values for comparable stocks, (13.247). Projected Growth (PEG Ratio) (0.470) is also within normal values, averaging (1.190). Dividend Yield (0.057) 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 Price Growth Rating for this company is 37 (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 Seasonality Score of 50 (best 1 - 100 worst) indicates that the company is fair valued 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 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.
AVAL | BAP | CIB | ||
|---|---|---|---|---|
OUTLOOK RATING 1..100 | 90 | 7 | 49 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 16 Undervalued | 10 Undervalued | 13 Undervalued | |
PROFIT vs RISK RATING 1..100 | 1 | 2 | 1 | |
SMR RATING 1..100 | 1 | 4 | 1 | |
PRICE GROWTH RATING 1..100 | 47 | 45 | 37 | |
P/E GROWTH RATING 1..100 | 97 | 94 | 97 | |
SEASONALITY SCORE 1..100 | 28 | 50 | 50 |
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 (10) in the Regional Banks industry is in the same range as CIB (13) in the Regional Banks industry, and is in the same range as AVAL (16) in the Major Banks industry. This means that BAP's stock grew similarly to CIB’s and similarly to AVAL’s over the last 12 months.
CIB's Profit vs Risk Rating (1) in the Regional Banks industry is in the same range as AVAL (1) in the Major Banks industry, and is in the same range as BAP (2) in the Regional Banks industry. This means that CIB's stock grew similarly to AVAL’s and 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 AVAL (1) in the Major Banks industry, and is in the same range as BAP (4) in the Regional Banks industry. This means that CIB's stock grew similarly to AVAL’s and similarly to BAP’s over the last 12 months.
CIB's Price Growth Rating (37) in the Regional Banks industry is in the same range as BAP (45) in the Regional Banks industry, and is in the same range as AVAL (47) in the Major Banks industry. This means that CIB's stock grew similarly to BAP’s and similarly to AVAL’s over the last 12 months.
BAP's P/E Growth Rating (94) in the Regional Banks industry is in the same range as CIB (97) in the Regional Banks industry, and is in the same range as AVAL (97) in the Major Banks industry. This means that BAP's stock grew similarly to CIB’s and similarly to AVAL’s over the last 12 months.
| AVAL | BAP | CIB | |
|---|---|---|---|
| RSI ODDS (%) | 3 days ago 65% | N/A | N/A |
| Stochastic ODDS (%) | 3 days ago 70% | 3 days ago 53% | 3 days ago 43% |
| Momentum ODDS (%) | 3 days ago 62% | 3 days ago 64% | 3 days ago 85% |
| MACD ODDS (%) | 3 days ago 79% | 3 days ago 53% | 3 days ago 77% |
| TrendWeek ODDS (%) | 3 days ago 64% | 3 days ago 57% | 3 days ago 78% |
| TrendMonth ODDS (%) | 3 days ago 57% | 3 days ago 55% | 3 days ago 73% |
| Advances ODDS (%) | 20 days ago 66% | 10 days ago 69% | 5 days ago 77% |
| Declines ODDS (%) | 4 days ago 62% | 3 days ago 55% | N/A |
| BollingerBands ODDS (%) | 3 days ago 56% | 3 days ago 68% | N/A |
| Aroon ODDS (%) | 3 days ago 58% | 3 days ago 72% | 3 days ago 59% |
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).
AVAL’s FA Score shows that 3 FA rating(s) are green while BAP’s FA Score has 3 green FA rating(s), and CIB’s FA Score reflects 3 green FA rating(s).
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.
AVAL’s TA Score shows that 6 TA indicator(s) are bullish while BAP’s TA Score has 4 bullish TA indicator(s), and CIB’s TA Score reflects 5 bullish TA indicator(s).
AVAL (@Regional Banks) experienced а +1.24% price change this week, while BAP (@Regional Banks) price change was -5.14% , and CIB (@Regional Banks) price fluctuated +0.09% for the same time period.
The average weekly price growth across all stocks in the @Regional Banks industry was +2.29%. For the same industry, the average monthly price growth was +1.59%, and the average quarterly price growth was +9.12%.
AVAL is expected to report earnings on Nov 12, 2026.
BAP is expected to report earnings on Nov 09, 2026.
CIB is expected to report earnings on Nov 05, 2026.
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.
A.I.dvisor indicates that over the last year, AVAL has been loosely correlated with CIB. These tickers have moved in lockstep 56% of the time. This A.I.-generated data suggests there is some statistical probability that if AVAL jumps, then CIB could also see price increases.
| Ticker / NAME | Correlation To AVAL | 1D Price Change % | ||
|---|---|---|---|---|
| AVAL | 100% | +3.81% | ||
| CIB - AVAL | 56% Loosely correlated | +1.41% | ||
| BSAC - AVAL | 46% Loosely correlated | -0.75% | ||
| BCH - AVAL | 45% Loosely correlated | -0.52% | ||
| BBAR - AVAL | 43% Loosely correlated | +5.36% | ||
| BMA - AVAL | 43% Loosely correlated | +4.91% | ||
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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.
| Ticker / NAME | Correlation To BAP | 1D Price Change % | ||
|---|---|---|---|---|
| BAP | 100% | -0.23% | ||
| IFS - BAP | 77% Closely correlated | +0.35% | ||
| BSAC - BAP | 56% Loosely correlated | -0.75% | ||
| BCH - BAP | 53% Loosely correlated | -0.52% | ||
| CIB - BAP | 50% Loosely correlated | +1.41% | ||
| INTR - BAP | 49% Loosely correlated | +6.55% | ||
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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% | +1.41% | ||
| BSAC - CIB | 57% Loosely correlated | -0.75% | ||
| AVAL - CIB | 56% Loosely correlated | +3.81% | ||
| BCH - CIB | 51% Loosely correlated | -0.52% | ||
| BAP - CIB | 50% Loosely correlated | -0.23% | ||
| BBD - CIB | 44% Loosely correlated | +3.04% | ||
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