{
  "app": "dividend_compounders",
  "ticker": {
    "uuid": "6578a91a-4b8d-4e6d-9bf5-dfed3525e0f4",
    "symbol": "CIB",
    "name": "Grupo Cibest S.A.",
    "exchange": "NYSE",
    "country_code": "US",
    "country_name": "United States",
    "sector": "Financial Services",
    "industry": "Banks - Regional",
    "chart_url": "https://sharemaestro.com/terminal/6578a91a-4b8d-4e6d-9bf5-dfed3525e0f4/"
  },
  "snapshot": {
    "ticker": {
      "uuid": "6578a91a-4b8d-4e6d-9bf5-dfed3525e0f4",
      "symbol": "CIB",
      "name": "Grupo Cibest S.A.",
      "exchange": "NYSE",
      "country_code": "US",
      "country_name": "United States",
      "sector": "Financial Services",
      "industry": "Banks - Regional",
      "chart_url": "https://sharemaestro.com/terminal/6578a91a-4b8d-4e6d-9bf5-dfed3525e0f4/"
    },
    "as_of_date": "2026-06-12",
    "provider_symbol": "CIB",
    "market_cap": 19028670464.0,
    "market_cap_usd": 19035540596.8,
    "price": 80.199997,
    "currency": "USD",
    "dividend_yield": 0.01518703,
    "dividend_years": 31,
    "dividend_growth_5y": 0.38119961,
    "dividend_cut_5y": true,
    "payout_ratio": 0.16309999,
    "net_income": 3820634000000.0,
    "free_cash_flow": 10014723000000.0,
    "fcf_covers_dividend": true,
    "debt_to_equity": 0.45507048,
    "revenue_growth_5y": 0.14739601,
    "net_margin": 0.14684,
    "roe": 0.16926001,
    "pe_ratio": 10.51114,
    "price_vs_ma": 0.16063063,
    "return_3y": 3.76676119,
    "return_5y": 3.88297133,
    "max_drawdown": -0.45200784,
    "scores": {
      "dividend_reliability": 18.0,
      "dividend_sustainability": 20.0,
      "business_quality": 23.0,
      "valuation": 15.0,
      "trend": 13.5,
      "total": 89.5,
      "confidence": 100.0
    },
    "rating": "exceptional",
    "rating_label": "Exceptional Dividend Compounder",
    "decision": "reject",
    "decision_label": "Reject",
    "warnings": [
      "Price currency USD differs from financial currency COP.",
      "Dividend yield normalized from payment history because provider yield looked inconsistent.",
      "Dividend cut or material annual decrease detected in the last five completed years."
    ],
    "urls": {
      "page": "https://sharemaestro.com/dividend-compounders/ticker/6578a91a-4b8d-4e6d-9bf5-dfed3525e0f4/",
      "chart": "https://sharemaestro.com/terminal/6578a91a-4b8d-4e6d-9bf5-dfed3525e0f4/"
    }
  },
  "score_breakdown": {
    "dividend_reliability": 18.0,
    "dividend_sustainability": 20.0,
    "business_quality": 23.0,
    "valuation": 15.0,
    "trend": 13.5,
    "total": 89.5,
    "confidence": 100.0
  },
  "warnings": [
    "Price currency USD differs from financial currency COP.",
    "Dividend yield normalized from payment history because provider yield looked inconsistent.",
    "Dividend cut or material annual decrease detected in the last five completed years."
  ],
  "diary": [
    {
      "event_date": "2026-06-12",
      "event_type": "warning",
      "severity": "warning",
      "ticker": "CIB",
      "exchange": "NYSE",
      "headline": "CIB dividend review warning",
      "detail": "Dividend cut or material annual decrease detected in the last five completed years.",
      "amount": null,
      "currency": "",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/6578a91a-4b8d-4e6d-9bf5-dfed3525e0f4/"
    },
    {
      "event_date": "2026-03-31",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "CIB",
      "exchange": "NYSE",
      "headline": "Dividend increased 112.2%",
      "detail": "Payment changed from 0.574 to 1.218.",
      "amount": 1.218,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/6578a91a-4b8d-4e6d-9bf5-dfed3525e0f4/"
    },
    {
      "event_date": "2026-03-31",
      "event_type": "payment",
      "severity": "info",
      "ticker": "CIB",
      "exchange": "NYSE",
      "headline": "CIB dividend payment 1.218 USD",
      "detail": "Recorded dividend payment for Grupo Cibest S.A..",
      "amount": 1.218,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/6578a91a-4b8d-4e6d-9bf5-dfed3525e0f4/"
    },
    {
      "event_date": "2025-04-28",
      "event_type": "cut",
      "severity": "negative",
      "ticker": "CIB",
      "exchange": "NYSE",
      "headline": "Dividend cut -92.4%",
      "detail": "Payment changed from 7.524 to 0.574.",
      "amount": 0.574,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/6578a91a-4b8d-4e6d-9bf5-dfed3525e0f4/"
    },
    {
      "event_date": "2025-04-28",
      "event_type": "payment",
      "severity": "info",
      "ticker": "CIB",
      "exchange": "NYSE",
      "headline": "CIB dividend payment 0.574 USD",
      "detail": "Recorded dividend payment for Grupo Cibest S.A..",
      "amount": 0.574,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/6578a91a-4b8d-4e6d-9bf5-dfed3525e0f4/"
    },
    {
      "event_date": "2025-03-31",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "CIB",
      "exchange": "NYSE",
      "headline": "Dividend increased 839.3%",
      "detail": "Payment changed from 0.801 to 7.524.",
      "amount": 7.524,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/6578a91a-4b8d-4e6d-9bf5-dfed3525e0f4/"
    },
    {
      "event_date": "2025-03-31",
      "event_type": "payment",
      "severity": "info",
      "ticker": "CIB",
      "exchange": "NYSE",
      "headline": "CIB dividend payment 7.524 USD",
      "detail": "Recorded dividend payment for Grupo Cibest S.A..",
      "amount": 7.524,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/6578a91a-4b8d-4e6d-9bf5-dfed3525e0f4/"
    },
    {
      "event_date": "2024-12-30",
      "event_type": "payment",
      "severity": "info",
      "ticker": "CIB",
      "exchange": "NYSE",
      "headline": "CIB dividend payment 0.801 USD",
      "detail": "Recorded dividend payment for Grupo Cibest S.A..",
      "amount": 0.801,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/6578a91a-4b8d-4e6d-9bf5-dfed3525e0f4/"
    },
    {
      "event_date": "2024-09-27",
      "event_type": "cut",
      "severity": "negative",
      "ticker": "CIB",
      "exchange": "NYSE",
      "headline": "Dividend cut -52.7%",
      "detail": "Payment changed from 1.753 to 0.83.",
      "amount": 0.83,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/6578a91a-4b8d-4e6d-9bf5-dfed3525e0f4/"
    },
    {
      "event_date": "2024-09-27",
      "event_type": "payment",
      "severity": "info",
      "ticker": "CIB",
      "exchange": "NYSE",
      "headline": "CIB dividend payment 0.83 USD",
      "detail": "Recorded dividend payment for Grupo Cibest S.A..",
      "amount": 0.83,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/6578a91a-4b8d-4e6d-9bf5-dfed3525e0f4/"
    },
    {
      "event_date": "2024-06-27",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "CIB",
      "exchange": "NYSE",
      "headline": "Dividend increased 93.5%",
      "detail": "Payment changed from 0.906 to 1.753.",
      "amount": 1.753,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/6578a91a-4b8d-4e6d-9bf5-dfed3525e0f4/"
    },
    {
      "event_date": "2024-06-27",
      "event_type": "payment",
      "severity": "info",
      "ticker": "CIB",
      "exchange": "NYSE",
      "headline": "CIB dividend payment 1.753 USD",
      "detail": "Recorded dividend payment for Grupo Cibest S.A..",
      "amount": 1.753,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/6578a91a-4b8d-4e6d-9bf5-dfed3525e0f4/"
    },
    {
      "event_date": "2024-03-28",
      "event_type": "payment",
      "severity": "info",
      "ticker": "CIB",
      "exchange": "NYSE",
      "headline": "CIB dividend payment 0.906 USD",
      "detail": "Recorded dividend payment for Grupo Cibest S.A..",
      "amount": 0.906,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/6578a91a-4b8d-4e6d-9bf5-dfed3525e0f4/"
    },
    {
      "event_date": "2023-12-27",
      "event_type": "payment",
      "severity": "info",
      "ticker": "CIB",
      "exchange": "NYSE",
      "headline": "CIB dividend payment 0.884 USD",
      "detail": "Recorded dividend payment for Grupo Cibest S.A..",
      "amount": 0.884,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/6578a91a-4b8d-4e6d-9bf5-dfed3525e0f4/"
    },
    {
      "event_date": "2023-09-28",
      "event_type": "payment",
      "severity": "info",
      "ticker": "CIB",
      "exchange": "NYSE",
      "headline": "CIB dividend payment 0.892 USD",
      "detail": "Recorded dividend payment for Grupo Cibest S.A..",
      "amount": 0.892,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/6578a91a-4b8d-4e6d-9bf5-dfed3525e0f4/"
    },
    {
      "event_date": "2023-06-29",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "CIB",
      "exchange": "NYSE",
      "headline": "Dividend increased 16.2%",
      "detail": "Payment changed from 0.733 to 0.852.",
      "amount": 0.852,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/6578a91a-4b8d-4e6d-9bf5-dfed3525e0f4/"
    },
    {
      "event_date": "2023-06-29",
      "event_type": "payment",
      "severity": "info",
      "ticker": "CIB",
      "exchange": "NYSE",
      "headline": "CIB dividend payment 0.852 USD",
      "detail": "Recorded dividend payment for Grupo Cibest S.A..",
      "amount": 0.852,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/6578a91a-4b8d-4e6d-9bf5-dfed3525e0f4/"
    },
    {
      "event_date": "2023-03-30",
      "event_type": "payment",
      "severity": "info",
      "ticker": "CIB",
      "exchange": "NYSE",
      "headline": "CIB dividend payment 0.733 USD",
      "detail": "Recorded dividend payment for Grupo Cibest S.A..",
      "amount": 0.733,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/6578a91a-4b8d-4e6d-9bf5-dfed3525e0f4/"
    },
    {
      "event_date": "2022-12-29",
      "event_type": "payment",
      "severity": "info",
      "ticker": "CIB",
      "exchange": "NYSE",
      "headline": "CIB dividend payment 0.654 USD",
      "detail": "Recorded dividend payment for Grupo Cibest S.A..",
      "amount": 0.654,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/6578a91a-4b8d-4e6d-9bf5-dfed3525e0f4/"
    }
  ]
}