Is CIB or IBN more undervalued in 2026?

CirclFi compares Grupo Cibest S.A. (CIB) and ICICI Bank Limited (IBN) using 13 institutional-grade valuation models. CIB has a Quality of Company score of 2.0/10 while IBN scores 1.7/10.

Which is a better buy — CIB or IBN?

Compare intrinsic values from 13 independent models against current market prices. CirclFi also calculates Value Trap scores. This is not financial advice — conduct your own analysis.

How do CIB and IBN valuations compare?

CIB at $68.59 and IBN at $26.23 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

CIB vs IBN Valuation Comparison 2026 — Intrinsic Value Analysis

CIB

Commercial Banks, NEC

Grupo Cibest S.A.

Quality

2.0

out of 10

Value Trap

—

Price

$68.59

Last close

Models

8/13

Active

IBN

Commercial Banks, NEC

ICICI Bank Limited

Quality

1.7

out of 10

Value Trap

—

Price

$26.23

Last close

Models

9/13

Active

Model-by-Model Comparison

Model	Type	CIB Fair Value	CIB Upside	IBN Fair Value	IBN Upside
Bayesian DCF	Intrinsic	$21.68	-68.4%	$8.47	-67.7%
Earnings Power Value	Intrinsic	$23.69	-66.9%	$10.33	-62.6%
EROIC Spread	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
First Chicago	Scenario	$•••.••	••.•%	$•••.••	••.•%
Markov DDM	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
ML-RIV	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
Dynamic NAV	Asset-Based	$•••.••	••.•%	$•••.••	••.•%
Sentiment SOTP	Hybrid	$•••.••	••.•%	$•••.••	••.•%
CUCE Ensemble	Ensemble	$•••.••	••.•%	$•••.••	••.•%

🔒

Unlock Full 13-Model Comparison

Access all valuation models for CIB vs IBN — including EROIC Spread, First Chicago, Markov DDM, PWERM, and 7 more.

Access Full Analysis — From $27/mo →

CIB vs IBN — Which Stock Is More Undervalued?

CIB scores higher with a 2.0/10 quality rating vs IBN's 1.7/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing Grupo Cibest S.A. (CIB) and ICICI Bank Limited (IBN) across 13 institutional-grade valuation models reveals how each company's intrinsic value stacks up against its market price. CirclFi's engine processes SEC EDGAR 10-K and 10-Q filings, FRED macroeconomic data, and GDELT news sentiment to generate independent fair value estimates daily.

CIB currently trades at $68.59 with a QOC of 2.0/10, while IBN trades at $26.23 with a QOC of 1.7/10.

Both companies are analyzed with models spanning intrinsic (Bayesian DCF, EPV), scenario-based (First Chicago), regime-switching (Markov DDM, RCMH-DCF), machine learning (ML-RIV, FTNN Topology), and ensemble methods (CUCE).