Grupo Cibest S.A.

Grupo Cibest S.A.

90,860.00
COP
-1,940.00
(-2.09%)
12,346.26EPS
19.13P/E
73.68TMarket Cap
Nov 05Next Earn
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
8,946.82
9,453.36
11,238.01
14,152.38
15,179.64
15,164.13
16,443
16,321.2
18,048.96
25,211.5
27,690.47
27,269.74
28,921.07
47,080.24
Basic EPS, GAAP
1,778.68
2,481.82
2,618.86
2,979.05
2,718.78
2,764.39
3,241.07
286.95
2,283.48
3,769.26
4,757.54
4,914.34
1,936.41
4,076.77
Free Cash Flow per Basic Share
3,957.68
-7,751.9
930.42
2,618.87
1,879.31
29.91
11,187.21
10,085.17
4,592.25
2,911.73
17,405.38
-1,669.95
10,506.26
4,131.65
Dividend per Share
741.94
742
816.5
873.59
1,170.91
765
1,073.47
1,617.57
485.76
2,402.37
3,429.08
3,533.65
5,451.7
4,034.52
Book Value per Share
14,085.25
17,293.63
20,044.61
22,111.65
24,030.27
25,835.12
27,950.89
27,598.76
33,513.66
40,640.26
39,601.21
45,270.58
41,705.86
40,356.95
Tangible Book Value per Share
9,514.47
12,525.78
12,670.88
15,151.94
17,135.66
18,347.44
20,430.5
19,793.48
24,542.43
29,786.76
30,774.57
35,115.01
39,044.15
37,827.3
Basic Weighted Avg Shares
852
962
962
962
962
962
962
962
962
962
962
962
953
620
Sales/Revenue/Turnover
7,621,146
9,092,494
10,809,023
13,612,145
14,600,183
14,585,270
15,815,322
15,698,170
17,359,980
24,249,105
26,633,441
26,228,770
27,567,992
29,200,396
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
771,967
435,214
481,558
482,902
433,033
467,777
677,253
736,367
855,167
949,448
1,082,838
1,011,455
1,055,991
1,026,572
Net Income, GAAP
1,515,127
2,387,086
2,518,890
2,865,328
2,615,000
2,658,864
3,117,351
275,994
4,086,795
6,783,490
6,116,936
6,267,744
3,820,634
4,479,122
Effective Tax Rate (%)
21.59
23.76
20.07
29.66
31.02
22.94
28.21
- -
29.68
28.2
24.2
28.03
28.8
29.17
Profit Margin (%)
19.88
26.25
23.3
21.05
17.91
18.23
19.71
1.76
23.54
27.97
22.97
23.9
13.86
15.34
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
25,152,452
28,379,687
39,157,049
37,610,652
33,470,866
36,625,197
35,712,443
32,147,077
31,464,499
41,168,894
27,484,615
28,832,313
18,064,900
17,134,851
Total Equity
12,643,807
17,366,480
20,407,919
22,476,980
24,429,550
26,655,225
28,805,619
28,115,213
33,925,458
39,997,551
39,049,729
44,584,275
40,995,634
39,396,429
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
4.54
5.61
4.61
4.64
4.2
4.18
4.73
- -
6.31
8.97
7.9
8.54
5.58
7.1
Return on Common Equity (%)
12.94
16.67
14.03
14.13
11.78
11.09
12.05
1.03
7.47
10.17
11.86
11.58
4.43
6.37

Capital Structure

COP

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
ST Debt
26,260
- -
- -
LT Borrowings
16,766,121
16,672,303
15,762,115
LT Finance Leases
1,298,779
1,374,906
1,372,736
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
953
949
945
Market Capitalization
65,962,455
80,585,583
73,683,633

Working Capital

COP

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
27,900,812
30,327,385
33,982,964
Accounts Receivable, Net
643,348
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
7,115,373
11,879,584
11,210,649
ST Debt
26,260
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

COP

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
7.59%
8.46%
-8.05%
Free Cash Flow
3,692.57%
-85.28%
-723.5%
Net Income, GAAP
133.31%
280.07%
-39.04%
Sales/Revenue/Turnover
10.45%
12.74%
5.11%
Total Cash Common Dividend
-36.28%
-92.03%
73.43%

Quarterly Revenue

COP

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
6,828,111
7,005,435
6,990,660
7,438,061
26,228,770
2025
6,663,973
6,865,618
7,361,857
6,079,264
27,567,992
2026
7,392,413
8,366,862
- -
- -
- -

Quarterly Earnings Per Share

COP

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
2,507.12
2,066.49
2,189.2
924.54
4,914.34
2025
2,573.42
2,399.89
3,234.07
-2,455.04
1,936.41
2026
1,909.11
4,417.94
- -
- -
- -

Quarterly Dividends Per Share

COP

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
1,665.34
1,667.23
1,667.11
883.12
3,533.65
2025
1,666.54
8,528.31
-0.06
0.33
5,451.7
2026
- -
4,915.6
- -
- -
- -

Company Description

CEO
Mr. Juan Carlos Mora Uribe
Full Time Employees
33,951
Sector
Finance
Industry
Regional banks
Address
Carrera 48 # 26-85 Medellin AN Colombia 050021
IPO Date
Jan 3, 2000
Business
Grupo Cibest S.A. operates as a financial services holding company that provides a broad suite of banking, financing, asset management, and related financial services through its network of regional subsidiaries and affiliated entities in Colombia and internationally. The group consolidates operations under a holding structure intended to optimize capital allocation, platform interoperability, and strategic flexibility, while maintaining regulated and non-regulated subsidiaries across banking, investment, and financing activities. Founded in 2020 and headquartered in Colombia, Grupo Cibest conducts its activities through a diversified portfolio that includes traditional deposit-taking and loan businesses, trade finance, corporate lending, project and acquisition finance, factorización, and leasing; capital markets services such as underwriting, asset management, mutual and pension funds, private equity, and structured finance; cash management, payment services, and bancassurance; and technology-enabled trading and custody platforms. The company also operates in international jurisdictions via offshore and regional banking subsidiaries, enabling cross-border lending, interbank activities, and wealth management offerings. Core brands and product lines encompass savings and investment products (checking and savings accounts, time deposits, money market instruments, fixed-term deposits); consumer and commercial lending (personal, vehicle, payroll, working capital, mortgage), credit cards, and overdrafts; factoring and leasing (financial and operating leases); project and acquisition finance; debt and equity capital markets; syndicated loans and corporate finance advisory; mutual and pension funds, private equity funds, investment funds, and real estate funds; custody, trust services, and custody-related financing; eTrading and online brokerage; payment processing and cash management; and bancassurance and risk management services. Core geographic focus includes Colombia with expansion into Central America and other Latin American markets, supported by a regional network of owned and affiliated banking and financial services platforms. Subsidiaries and parent-subsidiary relationships provide a multi-layered structure for specialized services, including regional banks, financial conglomerates, and offshore vehicles, to deliver a comprehensive suite of financial products to corporate, institutional, and retail clients. Recent strategic changes include the establishment of a formal holding company to centralize governance and capital management, enabling strategic flexibility for potential share repurchases and reallocation of capital across business lines; ongoing organizational refinement to align with regulatory requirements and market opportunities; and continued expansion of cross-border financing and capital markets activities, while preserving the client base and operational footprint. Grupo Cibest positions itself as a comprehensive financial services platform, emphasizing capital efficiency, diversified revenue streams, and scalable wealth and asset management capabilities to serve large corporates, financial institutions, high-net-worth individuals, and regional retail clients. The latest updates reflect a shift toward a holding-group architecture to optimize value distribution, while maintaining existing income sources, debt structure, and asset base, with minimal disruption to clients, staff, and suppliers.

Company News

  • CIB Marine Bancshares, Inc. Announces Third Quarter 2026 Results

  • JPMorgan Chase Reports Strong Q3 Growth Amid Rising Expenses and Strategic Outlook

  • Head-To-Head Comparison: AmeriServ Financial (NASDAQ:ASRV) versus Grupo Cibest (NYSE:CIB)

  • Are Conglomerates Stocks Lagging Grupo Cibest S.A. - Sponsored ADR (CIB) This Year?

  • 3 Dividend-Paying ADRs to Consider for Portfolio Diversification

  • Logistic Properties of the Americas Announces US$152 Million Sale of Stabilized Assets in Colombia

  • CIB vs. HTHIY: Which Stock Is the Better Value Option?

  • Are Conglomerates Stocks Lagging Grupo Cibest S.A. - Sponsored ADR (CIB) This Year?

  • Highlander Silver Announces $330M Senior Secured Project Finance Facility Mandate with Natixis CIB

  • Engineers Gate Manager LP Trims Stock Holdings in Grupo Cibest S.A. – Sponsored ADR $CIB

  • Zacks Industry Outlook Grupo Cibest, POSCO, Griffon and GPGI

  • 4 Solid Shareholder Yield Stocks That Can Beat Rising Treasury Yields

  • 4 Diversified Operations Stocks to Consider on Promising Industry Trends

  • CIB or ITT: Which Is the Better Value Stock Right Now?

  • Is Grupo Cibest S.A. - Sponsored ADR (CIB) Stock Outpacing Its Conglomerates Peers This Year?

  • CIB vs. ITT: Which Stock Is the Better Value Option?

  • Grupo Cibest: The Re-Rating May Be Done (Rating Downgrade)

  • Grupo Cibest S.A. (CIB) Q2 2026 Earnings Call Transcript

  • Grupo Cibest Q2 Earnings Call Highlights

  • What Makes Grupo Cibest (CIB) a Strong Momentum Stock: Buy Now?