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BAP vs CIB
Which Stock Would AI Choose? Credicorp Ltd. (BAP) vs. Grupo Cibest S.A. (CIB) Stock Comparison
Key Takeaways
- BAP boasts stronger YTD performance at 15.16% compared to CIB's 3.82%, reflecting robust momentum in Peruvian financial markets.
- Both stocks deliver impressive 1-year returns, with BAP at 71.20% and CIB at 61.40%, outperforming broader indices.
- CIB offers a higher dividend yield of 7.55% versus BAP's 4.31%, appealing to income-focused investors.
- BAP trades at a higher P/E ratio of 13.50 compared to CIB's 8.82, indicating potential premium valuation for growth prospects.
- Recent earnings for CIB showed Q1 2026 net income down 16% YoY due to a one-off wealth tax, while BAP awaits Q1 results amid positive analyst upgrades.
- Both exhibit solid ROE above 16%, with BAP at 19.12% and CIB at 16.69%, underscoring efficient capital use in regional banking.
Introduction
This stock comparison examines BAP and CIB, two leading financial holding companies with deep roots in Latin America—primarily Peru and Colombia, respectively. Both operate in the regional banking sector, offering exposure to emerging market growth, diversified services including universal banking, insurance, and asset management. Traders seeking short-term momentum and investors eyeing dividend income or long-term stability in Latin American finance will find value in analyzing their relative performance, valuation metrics, and market positioning amid recent economic shifts and interest rate environments.
BAP Overview and Recent Performance
Credicorp Ltd. (BAP) is a Lima-based financial services holding company providing banking, insurance, pensions, microfinance, and investment advisory through subsidiaries like Banco de Crédito del Perú (BCP). In recent market activity, the stock has demonstrated resilience, trading around $330 with a market cap of $26.23 billion. It has achieved a YTD return of 15.16% and a 1-year gain of 71.20%, supported by strong fundamentals including EPS (TTM) of $24.49 and ROE of 19.12%. Sentiment has been bolstered by analyst upgrades, such as UBS raising its price target to $408, amid expectations for Q1 2026 earnings on May 14. Influences include Peru's economic stabilization, digital banking expansion, and a recent $50 per share dividend approval, though shares pulled back in recent weeks amid broader emerging market volatility.
CIB Overview and Recent Performance
Grupo Cibest S.A. (CIB), formerly Bancolombia, is a Medellín-headquartered holding company offering comprehensive banking products, capital markets services, and digital platforms like Nequi across Colombia and Latin America. The stock trades near $65, with a market cap of $15.49 billion. Recent performance includes a modest YTD return of 3.82% and a solid 1-year advance of 61.40%, driven by EPS (TTM) of $7.40 and ROE of 16.69%. Q1 2026 earnings revealed net income of COP 1.5 trillion, down 16% YoY due to a one-off COP 374 billion wealth tax accrual, though normalized figures showed operational strength with net interest margin (NIM) expanding to 7.0% and net fee income up 30%. Analyst views remain neutral, with UBS lifting its target to $72, as loan growth offsets higher provisions in Colombia's dynamic economy.
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Head-to-Head Comparison
BAP and CIB share regional banking models but diverge in scale and exposure: BAP emphasizes Peruvian universal banking with insurance and microfinance diversification, while CIB focuses on Colombian lending, digital wallets, and broader LatAm presence. Growth drivers for BAP include digital expansion and higher ROE (19.12% vs. 16.69%), contrasting CIB's fee income surge and NIM gains. Recent momentum favors BAP with superior YTD gains, though CIB edges on valuation (P/E 8.82 vs. 13.50) and yield. Risk factors involve Peru's political volatility for BAP and Colombia's tax pressures for CIB; lower beta (0.49 vs. 0.84) makes CIB less volatile. Market sentiment leans positive for both, with trade-offs in growth premium versus income stability.
Tickeron AI Verdict
Tickeron’s AI analysis currently favors BAP due to its superior trend consistency, higher YTD momentum, stronger ROE, and upcoming earnings catalysts amid Peru's recovery. While CIB offers attractive valuation and yield with resilient operations post-tax hit, BAP's relative positioning suggests greater probability of outperformance in the near term, particularly if Q1 results align with expectations.
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 Disclaimers and Limitations.
Notable companies
Industry description
Market Cap
High and low price notable news
Volume
Fundamental Analysis Ratings
The average fundamental analysis ratings, where 1 is best and 100 is worst, are as follows
Market Cap
High and low price notable news
Volume
Fundamental Analysis Ratings
The average fundamental analysis ratings, where 1 is best and 100 is worst, are as follows
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 Hold and CIB is a Hold.
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 undervalued. 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 whileCIB’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 5 TA indicator(s) are bullish while CIB’s TA Score has 6 bullish TA indicator(s).
- BAP’s TA Score: 5 bullish, 4 bearish.
- CIB’s TA Score: 6 bullish, 4 bearish.
Price Growth
BAP (@Regional Banks) experienced а +10.03% price change this week, while CIB (@Regional Banks) price change was +5.36% for the same time period.
The average weekly price growth across all stocks in the @Regional Banks industry was -0.20%. For the same industry, the average monthly price growth was +5.11%, and the average quarterly price growth was +9.81%.
Reported Earning Dates
BAP is expected to report earnings on Aug 13, 2026.
Industries' Descriptions
@Regional Banks (-0.20% 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.
| BAP | CIB | BAP / CIB | |
| Capitalization | 30.7B | 20.3B | 151% |
| EBITDA | N/A | N/A | - |
| Gain YTD | 34.822 | 27.912 | 125% |
| P/E Ratio | 14.81 | 10.28 | 144% |
| Revenue | 24.6B | 28.22T | 0% |
| Total Cash | N/A | N/A | - |
| Total Debt | 25B | 18.05T | 0% |
BAP | CIB | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 11 | 23 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 47 Fair valued | 50 Fair valued | |
PROFIT vs RISK RATING 1..100 | 7 | 1 | |
SMR RATING 1..100 | 6 | 1 | |
PRICE GROWTH RATING 1..100 | 41 | 38 | |
P/E GROWTH RATING 1..100 | 29 | 19 | |
SEASONALITY SCORE 1..100 | n/a | 75 |
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 (47) in the Regional Banks industry is in the same range as CIB (50). 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 (7). 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 (6). This means that CIB’s stock grew similarly to BAP’s over the last 12 months.
CIB's Price Growth Rating (38) in the Regional Banks industry is in the same range as BAP (41). This means that CIB’s stock grew similarly to BAP’s over the last 12 months.
CIB's P/E Growth Rating (19) in the Regional Banks industry is in the same range as BAP (29). This means that CIB’s stock grew similarly to BAP’s over the last 12 months.
| BAP | CIB | |
|---|---|---|
| RSI ODDS (%) | N/A | 2 days ago 60% |
| Stochastic ODDS (%) | 2 days ago 47% | 2 days ago 51% |
| Momentum ODDS (%) | 2 days ago 73% | 2 days ago 74% |
| MACD ODDS (%) | 2 days ago 71% | 2 days ago 71% |
| TrendWeek ODDS (%) | 2 days ago 70% | 2 days ago 75% |
| TrendMonth ODDS (%) | 2 days ago 68% | 2 days ago 71% |
| Advances ODDS (%) | 6 days ago 69% | 7 days ago 75% |
| Declines ODDS (%) | 10 days ago 58% | 2 days ago 54% |
| BollingerBands ODDS (%) | 2 days ago 47% | 2 days ago 61% |
| Aroon ODDS (%) | 2 days ago 66% | 2 days ago 61% |
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BAP and Stocks
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 75% 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 Stocks
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% | +0.87% | ||
| BSAC - CIB | 57% Loosely correlated | -1.82% | ||
| BCH - CIB | 52% Loosely correlated | -0.91% | ||
| BAP - CIB | 50% Loosely correlated | +6.22% | ||
| AVAL - CIB | 50% Loosely correlated | +2.01% | ||
| BBD - CIB | 47% Loosely correlated | -0.87% | ||
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