CIB vs. RF

Last updated Apr 1, 2026

Compare and contrast key facts about Bancolombia S.A. (CIB) and Regions Financial Corporation (RF).

Performance

CIB vs. RF - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in Bancolombia S.A. (CIB) and Regions Financial Corporation (RF). The values are adjusted to include any dividend payments, if applicable.

CIB vs. RF - Yearly Performance Comparison

	2026 (YTD)	2025	2024	2023	2022	2021	2020	2019	2018	2017
CIB Bancolombia S.A.	16.50%	124.16%	13.78%	22.08%	-0.31%	-20.69%	-22.31%	47.45%	-0.72%	11.41%
RF Regions Financial Corporation	-2.69%	21.99%	27.00%	-5.69%	2.33%	39.39%	-1.61%	33.35%	-20.59%	22.95%

Fundamentals

Market Cap CIB : $17.35B RF : $22.99B
EPS CIB : $30.27K RF : $2.42
PE Ratio CIB : 0.00 RF : 10.80
PS Ratio CIB : 0.00 RF : 2.42
PB Ratio CIB : 0.00 RF : 1.30
Total Revenue (TTM) CIB : $43.16T RF : $9.61B
Gross Profit (TTM) CIB : $25.36T RF : $7.17B
EBITDA (TTM) CIB : $10.70T RF : $2.81B

Returns By Period

In the year-to-date period, CIB achieves a 16.50% return, which is significantly higher than RF's -2.69% return. Over the past 10 years, CIB has underperformed RF with an annualized return of 15.10%, while RF has yielded a comparatively higher 17.02% annualized return.

CIB

• 1D: 6.52%
• 1M: 9.17%
• YTD: 16.50%
• 6M: 42.68%
• 1Y: 86.88%
• 3Y*: 58.71%
• 5Y*: 29.17%
• 10Y*: 15.10%

RF

• 1D: 3.49%
• 1M: -5.24%
• YTD: -2.69%
• 6M: 1.06%
• 1Y: 25.29%
• 3Y*: 17.84%
• 5Y*: 9.03%
• 10Y*: 17.02%

*Multi-year figures are annualized to reflect compound growth (CAGR)

Return for Risk

CIB vs. RF — Risk / Return Rank

Compare risk-adjusted metric ranks to identify better-performing investments over the past 12 months.

CIB

CIB Risk / Return Rank: 93
CIB Sharpe Ratio Rank: 95
CIB Sortino Ratio Rank: 93
CIB Omega Ratio Rank: 93
CIB Calmar Ratio Rank: 90
CIB Martin Ratio Rank: 93

RF

RF Risk / Return Rank: 69
RF Sharpe Ratio Rank: 71
RF Sortino Ratio Rank: 64
RF Omega Ratio Rank: 66
RF Calmar Ratio Rank: 72
RF Martin Ratio Rank: 72

The rank (0–100) shows how this investment's returns compare to the risk taken. Higher = better. Based on the past 12 months of data, combining Sharpe, Sortino, and other metrics used by quantitative funds and institutional investors.

CIB vs. RF - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for Bancolombia S.A. (CIB) and Regions Financial Corporation (RF). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.

	CIB	RF	Difference
Sharpe ratio Return per unit of total volatility	2.68	0.85	+1.82
Sortino ratio Return per unit of downside risk	3.18	1.28	+1.90
Omega ratio Gain probability vs. loss probability	1.44	1.19	+0.25
Calmar ratio Return relative to maximum drawdown	3.83	1.47	+2.36
Martin ratio Return relative to average drawdown	12.94	3.71	+9.23
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month.

CIB vs. RF - Sharpe Ratio Comparison

The current CIB Sharpe Ratio is 2.68, which is higher than the RF Sharpe Ratio of 0.85. The chart below compares the historical Sharpe Ratios of CIB and RF, offering insights into how both investments have performed under varying market conditions. These values are calculated using daily returns over the previous 12 months.

Sharpe Ratios by Period

	CIB	RF	Difference
Sharpe Ratio (1Y) Calculated over the trailing 1-year period	2.68	0.85	+1.82
Sharpe Ratio (5Y) Calculated over the trailing 5-year period	0.90	0.29	+0.62
Sharpe Ratio (10Y) Calculated over the trailing 10-year period	0.43	0.47	-0.05
Sharpe Ratio (All Time) Calculated using the full available price history	0.25	0.17	+0.08

Correlation

The correlation between CIB and RF is 0.26, which is considered to be low. This implies their price changes are not closely related. A low correlation is generally favorable for portfolio diversification, as it helps to reduce overall risk by spreading it across multiple assets with different performance patterns.

Dividends

CIB vs. RF - Dividend Comparison

CIB's dividend yield for the trailing twelve months is around 2.46%, less than RF's 4.00% yield.

	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
CIB Bancolombia S.A.	2.46%	6.90%	10.96%	10.92%	10.68%	0.87%	4.01%	2.41%	3.62%	3.21%	3.21%	4.49%
RF Regions Financial Corporation	4.00%	5.12%	4.17%	4.54%	3.43%	2.98%	3.85%	3.44%	3.44%	1.82%	1.78%	2.40%

Drawdowns

CIB vs. RF - Drawdown Comparison

The maximum CIB drawdown since its inception was -93.77%, roughly equal to the maximum RF drawdown of -92.65%. Use the drawdown chart below to compare losses from any high point for CIB and RF.

Drawdown Indicators

	CIB	RF	Difference
Max Drawdown Largest peak-to-trough decline	-93.77%	-92.65%	-1.12%
Max Drawdown (1Y) Largest decline over 1 year	-22.97%	-18.45%	-4.52%
Max Drawdown (5Y) Largest decline over 5 years	-46.85%	-40.99%	-5.86%
Max Drawdown (10Y) Largest decline over 10 years	-70.38%	-60.73%	-9.65%
Current Drawdown Current decline from peak	-12.33%	-14.79%	+2.46%
Average Drawdown Average peak-to-trough decline	-32.72%	-31.19%	-1.53%
Ulcer Index Depth and duration of drawdowns from previous peaks	6.80%	7.31%	-0.51%

Volatility

CIB vs. RF - Volatility Comparison

Bancolombia S.A. (CIB) has a higher volatility of 11.79% compared to Regions Financial Corporation (RF) at 6.68%. This indicates that CIB's price experiences larger fluctuations and is considered to be riskier than RF based on this measure. The chart below showcases a comparison of their rolling one-month volatility.

Volatility by Period

	CIB	RF	Difference
Volatility (1M) Calculated over the trailing 1-month period	11.79%	6.68%	+5.11%
Volatility (6M) Calculated over the trailing 6-month period	24.21%	18.83%	+5.38%
Volatility (1Y) Calculated over the trailing 1-year period	32.64%	29.81%	+2.83%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	32.43%	31.63%	+0.80%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	35.65%	36.02%	-0.37%

Financials

CIB vs. RF - Profitability Comparison

The chart below illustrates the profitability comparison between Bancolombia S.A. and Regions Financial Corporation over time, highlighting three key metrics: Gross Profit Margin, Operating Margin, and Net Profit Margin.

CIB - Gross Margin

Gross margin is calculated as gross profit divided by revenue. For the three months ending on Apr 2026, Bancolombia S.A. reported a gross profit of 6.93T and revenue of 11.69T. Therefore, the gross margin over that period was 59.3%.

RF - Gross Margin

Gross margin is calculated as gross profit divided by revenue. For the three months ending on Apr 2026, Regions Financial Corporation reported a gross profit of 1.92B and revenue of 2.41B. Therefore, the gross margin over that period was 79.8%.

CIB - Operating Margin

Operating margin is calculated as operating income divided by revenue. For the three months ending on Apr 2026, Bancolombia S.A. reported an operating income of 1.99T and revenue of 11.69T, resulting in an operating margin of 17.1%.

RF - Operating Margin

Operating margin is calculated as operating income divided by revenue. For the three months ending on Apr 2026, Regions Financial Corporation reported an operating income of 708.00M and revenue of 2.41B, resulting in an operating margin of 29.4%.

CIB - Net Margin

Net margin is calculated as net income divided by revenue. For the three months ending on Apr 2026, Bancolombia S.A. reported a net income of 1.58T and revenue of 11.69T, resulting in a net margin of 13.6%.

RF - Net Margin

Net margin is calculated as net income divided by revenue. For the three months ending on Apr 2026, Regions Financial Corporation reported a net income of 534.00M and revenue of 2.41B, resulting in a net margin of 22.2%.