Market Price

21.60 

-0.60 -2.7%

as of Sep 29 '20

52 Week Range:

15.30 51.00


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

Bancolombia S. A. provides various banking products and services to individual and corporate customers in Colombia, Panama, Puerto Rico, El Salvador, Costa Rica, and Guatemala. The company operates through nine segments: Banking Colombia, Banking Panama, Banking El Salvador, Banking Guatemala, Trust, Investment Banking, Brokerage, Off Shore, and All other. It offers checking and savings accounts, fixed term deposits, and investment products; trade financing, loans funded by domestic development banks, working capital loans, credit cards, personal and vehicle loans, payroll loans, and overdrafts; financial support to real estate developers and mortgages for individuals and companies; and financial and operating leasing services. The company also provides hedging instruments, including futures, forwards, options, and swaps; and brokerage, investment advisory, and private banking services, including selling and distributing equities, futures, foreign currencies, fixed income securities, mutual funds, and structured products. In addition, it offers cash management services; foreign currency transaction services; and life, auto, commercial, and homeowner's insurance products. Further, the company provides investment banking services comprising project and acquisition finance, debt and equity capital markets, principal investments, M&A, restructurings, and structured financing; trust and asset management services, such as money market accounts, mutual and pension funds, private equity funds, payment trust, custody, and corporate trust; and digital banking platform, transportation, securities brokerage, maintenance and remodeling, advertising and marketing, and outsourcing services, as well as credit cards. As of December 31, 2019, it operated 1,083 branches; 16,740 banking correspondents; 556 PAMs; 219 kiosks in El Salvador and 117 in Colombia; and 6,169 automatic teller machines. Bancolombia S.A. was founded in 1945 and is headquartered in Medellín, Colombia.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19
Equity (BVPS) 10.78
15.02
15.28
22.30
21.28
23.00
23.56
26.40
25.84
25.40
30.20
growth rate 39.3% 1.7% 45.9% -4.6% 8.1% 2.4% 12.1% -2.1% -1.7% 18.9%
Earnings BIT 2,638.00
2,291.00
3,338.00
3,426.00
growth rate -13.2% 45.7% 2.6%
Avg.PE 10.52
9.07
10.33
10.54
10.36
growth rate -13.8% 13.9% 2.0% -1.7%
ROA 2.03
2.21
2.17
1.86
1.32
1.34
1.47
1.47
1.31
1.25
1.37
growth rate 8.9% -1.8% -14.3% -29.0% 1.5% 9.7% 0.0% -10.9% -4.6% 9.6%
ROE 19.57
19.57
20.00
16.80
12.77
13.01
14.05
14.13
11.78
11.09
12.05
growth rate 0.0% 2.2% -16.0% -24.0% 1.9% 8.0% 0.6% -16.6% -5.9% 8.7%
Leverage 8.99
8.73
9.67
8.57
10.63
8.97
10.01
9.23
8.82
8.86
8.78
growth rate -2.9% 10.8% -11.4% 24.0% -15.6% 11.6% -7.8% -4.4% 0.5% -0.9%
Balance Sheet Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19
Acct.Receivable 722,373.00
976,713.00
814,946.00
633,750.00
807,725.00
597,121.00
579,201.00
1,108,652.00
growth rate 35.2% -16.6% -22.2% 27.5% -26.1% -3.0% 91.4%
Acct.Payable 66,469,941.00
89,167,693.00
96,910,620.00
123,093,090.00
127,195,413.00
135,052,505.00
144,889,502.00
160,064,406.00
growth rate 34.2% 8.7% 27.0% 3.3% 6.2% 7.3% 10.5%
Cur.Assets 19,691,233.00
27,567,531.00
27,250,417.00
36,453,651.00
34,439,543.00
33,646,685.00
37,598,172.00
42,216,579.00
growth rate 40.0% -1.2% 33.8% -5.5% -2.3% 11.7% 12.3%
Total Assets 97,916,380.00
130,816,241.00
149,629,881.00
192,972,867.00
196,261,044.00
203,908,211.00
220,076,482.00
236,088,113.00
growth rate 33.6% 14.4% 29.0% 1.7% 3.9% 7.9% 7.3%
Cash 6,160,213.00
10,767,265.00
8,895,839.00
11,119,082.00
12,319,502.00
10,717,553.00
11,195,490.00
12,422,322.00
growth rate 74.8% -17.4% 25.0% 10.8% -13.0% 4.5% 11.0%
Inventory 87,102.00
103,943.00
65,508.00
76,543.00
140,137.00
164,516.00
290,605.00
394,354.00
growth rate 19.3% -37.0% 16.9% 83.1% 17.4% 76.6% 35.7%
Cur.Liabilities 68,916,612.00
97,055,200.00
110,171,018.00
139,998,876.00
144,054,591.00
151,880,823.00
163,423,965.00
174,796,110.00
growth rate 40.8% 13.5% 27.1% 2.9% 5.4% 7.6% 7.0%
Liabilities 86,228,031.00
117,877,947.00
132,263,401.00
172,564,948.00
173,784,064.00
179,478,661.00
193,421,257.00
207,282,494.00
growth rate 36.7% 12.2% 30.5% 0.7% 3.3% 7.8% 7.2%
LT Debt 16,600,635.00
19,745,862.00
20,326,620.00
28,608,508.00
26,509,327.00
24,088,669.00
24,384,731.00
24,602,951.00
growth rate 19.0% 2.9% 40.7% -7.3% -9.1% 1.2% 0.9%
Equity 12,492,846.00
16,871,907.00
19,279,449.00
21,267,583.00
23,112,964.00
24,848,920.00
26,883,919.00
growth rate 35.1% 14.3% 10.3% 8.7% 7.5% 8.2%
Common Shares 197.00
197.00
197.00
211.00
213.00
235.00
240.00
240.00
240.00
240.00
240.00
growth rate 0.0% 0.0% 7.1% 1.0% 10.3% 2.1% 0.0% 0.0% 0.0% 0.0%
Cash Flow Statement Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19
Capital Expenditures 1,132,436.00
1,841,335.00
774,976.00
961,827.00
1,082,522.00
1,132,015.00
1,014,093.00
1,555,453.00
growth rate 62.6% -57.9% 24.1% 12.6% 4.6% -10.4% 53.4%
Cash Dividends 632,004.00
713,679.00
785,332.00
840,242.00
1,126,209.00
735,798.00
1,032,492.00
growth rate 12.9% 10.0% 7.0% 34.0% -34.7% 40.3%
Cash From OA -6,661,837.00
-9,537,128.00
-7,941,076.00
-1,516,578.00
-5,517,093.00
-5,145,719.00
-2,001,685.00
growth rate 0.0% 0.0% 0.0% 0.0% 0.0% 0.0%
FCF per Share -1.34
10.56
-12.93
-10.69
1.03
4.86
-9.33
1.19
2.94
1.98
0.03
growth rate 100.0% -100.0% 0.0% 100.0% 371.8% -100.0% 100.0% 147.1% -32.7% -98.5%
Sale Purchase of Stock 2,625,585.00
2,625,585.00
-9.00
growth rate 0.0% -100.0%
FCF 5,309,864.00
-4,214,944.00
-5,342,828.00
579,561.00
3,371,261.00
-7,650,756.00
894,899.00
2,518,896.00
1,807,573.00
28,765.00
10,760,159.00
growth rate -100.0% 0.0% 100.0% 481.7% -100.0% 100.0% 181.5% -28.2% -98.4% 37,307.1%
Income Statement Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19
Sales 6,296,287.00
6,534,439.00
8,157,890.00
8,968,783.00
10,783,399.00
11,143,375.00
11,005,116.00
12,609,597.00
growth rate 3.8% 24.8% 9.9% 20.2% 3.3% -1.2% 14.6%
Op.Income 1,707,769.00
2,121,380.00
3,042,374.00
3,070,496.00
3,804,349.00
4,136,506.00
3,381,207.00
4,503,117.00
growth rate 24.2% 43.4% 0.9% 23.9% 8.7% -18.3% 33.2%
IBT 1,949,586.00
3,104,594.00
3,235,635.00
3,968,282.00
3,992,771.00
3,615,870.00
4,477,531.00
growth rate 59.2% 4.2% 22.6% 0.6% -9.4% 23.8%
Net Income 1,707,769.00
1,515,127.00
2,387,086.00
2,518,890.00
2,865,328.00
2,615,000.00
2,658,864.00
3,117,351.00
growth rate -11.3% 57.6% 5.5% 13.8% -8.7% 1.7% 17.2%
EPS 6,380.00
7,292.00
8,448.00
8,052.00
7,116.00
10,364.00
10,720.00
12,160.00
11,120.00
11,300.00
13,204.00
growth rate 14.3% 15.9% -4.7% -11.6% 45.6% 3.4% 13.4% -8.6% 1.6% 16.9%
Gross Profit 6,061,189.00
6,284,529.00
7,899,573.00
8,612,128.00
10,335,382.00
10,613,091.00
10,419,739.00
12,010,078.00
growth rate 3.7% 25.7% 9.0% 20.0% 2.7% -1.8% 15.3%

Quarterly Statements

Item Name Jun '19 Sep '19 Dec '19 Mar '20 Jun '20
Balance Sheet
Acct.Receivable 1,056,098.73
1,260,434.00
1,108,652.00
1,246,897.00
growth rate 19.4% -12.0% 6.1%
Acct.Payable 151,498,463.89
151,964,687.00
160,064,406.00
185,896,914.00
182,882,592.00
growth rate 0.3% 5.3% 16.1% -1.6%
Cur.Assets 22,042,903.36
37,900,899.00
42,216,579.00
54,815,808.00
28,937,647.00
growth rate 71.9% 11.4% 29.8% -47.2%
Total Assets 230,945,184.18
236,855,226.00
236,088,113.00
275,762,020.00
267,514,280.00
growth rate 2.6% -0.3% 16.8% -3.0%
Cash 20,343,588.50
12,617,747.00
12,422,322.00
17,925,753.00
20,720,021.00
growth rate -38.0% -1.6% 44.3% 15.6%
Inventory 394,354.00
growth rate
Cur.Liabilities 152,177,244.55
160,326,438.00
174,796,110.00
191,611,431.00
186,340,394.00
growth rate 5.4% 9.0% 9.6% -2.8%
Liabilities 203,723,009.34
207,912,713.00
207,282,494.00
246,478,583.00
239,005,736.00
growth rate 2.1% -0.3% 18.9% -3.0%
LT Debt 19,509,034.16
36,988,094.00
24,602,951.00
42,823,618.00
41,872,338.00
growth rate 89.6% -33.5% 74.1% -2.2%
Equity 25,394,215.47
26,990,351.00
26,883,919.00
27,190,051.00
26,472,884.00
growth rate 6.3% -0.4% 1.1% -2.6%
Common Shares 480,913.50
480,914.00
480,914.00
480,914.00
480,914.00
growth rate 0.0% 0.0% 0.0% 0.0%
Cash Flow Statement Jun '19 Sep '19 Dec '19 Mar '20 Jun '20
Capital Expenditures 151,857.79
397,309.00
783,333.00
312,765.00
growth rate 161.6% 97.2% -60.1%
Cash Dividends 261,931.20
263,436.22
261,646.00
262,802.00
growth rate 0.6% -0.7% 0.4%
Cash From OA -3,319,757.04
-29,575.45
3,206,978.00
-9,221,541.00
growth rate 0.0% 100.0% -100.0%
FCF -3,471,614.83
-426,884.45
2,423,645.00
-9,534,306.00
growth rate 0.0% 100.0% -100.0%
Income Statement Jun '19 Sep '19 Dec '19 Mar '20 Jun '20
Sales 5,010,066.52
-251,978.79
2,954,625.00
2,611,677.00
1,618,861.00
growth rate -100.0% 100.0% -11.6% -38.0%
Op.Income 1,232,543.87
1,252,340.36
843,311.00
457,163.00
-211,302.00
growth rate 1.6% -32.7% -45.8% -100.0%
IBT 1,286,661.35
1,200,227.60
725,128.00
482,673.00
-211,302.00
growth rate -6.7% -39.6% -33.4% -100.0%
Net Income 936,188.73
878,580.89
469,253.00
335,884.00
-73,297.00
growth rate -6.2% -46.6% -28.4% -100.0%
Gross Profit 5,010,066.52
-702,956.79
2,806,084.00
2,459,676.00
1,618,861.00
growth rate -100.0% 100.0% -12.3% -34.2%

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

C (53.59)

YOY Growth Grade:

D (34.29)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 5.55 5.35
EPS / Growth 4.04

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 9.4%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 9.4% 9.4% 9.4%
Future PE 0.01 3.70 8.10
Future EPS 9.88 9.88 9.88
Value Price
MOS %
0.02
-99.9%
9.05
-58.1%
19.79
-8.4%
MOS Price 0.01 4.52 9.89
IRT 4.21 4.21 4.21

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

The functionality you are trying to reach is available to registered users only.

Login to your account or Register Now if you are not registered yet. Registration is FREE and will take only a minute.

Risk / Reward Ratios

The functionality you are trying to reach is available to registered users only.

Login to your account or Register Now if you are not registered yet. Registration is FREE and will take only a minute.