Grupo Cibest S.A.

Grupo Cibest S.A.

PFCIBEST.CL
Grupo Cibest S.A.undefined flagColombia Stock Exchange
67,980.00
COP
+1,280.00
- -
64.52TMarket Cap
Grupo Cibest S.A.
PFCIBEST.CL
(Colombia Stock Exchange)

Recent

price

67,980.00

P/E

ratio

- -

div

yld

- -

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
6,876.39
7,822.48
8,522.69
8,946.82
9,443.83
11,222.45
14,056.28
15,179.43
15,057.35
16,339.28
16,341.56
18,025.12
25,205.1
27,653.87
27,218.8
28,844.43
45,040.76
Revenue per Share
1,823.36
2,112
1,998.11
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
3,337.92
Basic EPS, GAAP
-5,350.09
-6,781.73
673.62
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
16,489.88
Free Cash Flow per Basic Share
636.8
668.64
684.91
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
0.45
Dividend per Share
9,067.64
10,401.97
12,568.8
6,049.04
6,391.95
6,582.79
7,133.89
4,209.8
4,562
5,381.35
4,566.48
3,903.72
3,908.27
9,474.81
9,839.58
8,054.4
8,657.46
Book Value per Share
9,031.63
10,360.24
12,739.86
10,057.05
13,039.98
13,844.14
16,409.34
18,504.5
20,225.44
22,428.47
21,425.78
26,300.66
30,731.47
31,772.9
36,198.16
40,346.06
56,615.11
Tangible Book Value per Share
788
788
852
852
962
962
962
962
962
962
962
962
962
962
962
953
620
Basic Weighted Avg Shares
5,417,404
6,162,762
7,259,856
7,621,146
9,083,330
10,794,060
13,519,712
14,599,982
14,482,569
15,715,561
15,717,758
17,337,047
24,242,944
26,598,242
26,179,776
27,494,931
27,946,741
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
343,095
394,689
540,682
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
1,041,885
Depreciation Expense
1,436,494
1,663,894
1,702,046
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
3,540,081
Net Income, GAAP
26.14
22.04
21.53
21.59
23.76
20.07
29.66
31.02
22.94
28.21
- -
29.68
28.2
24.2
28.03
28.8
29.89
Effective Tax Rate (%)
26.52
27
23.44
19.88
26.28
23.34
21.19
17.91
18.36
19.84
1.76
23.57
27.98
23
23.94
13.9
12.67
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
12,927,809
17,767,909
17,330,727
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
18,047,209
LT Debt
8,017,752
8,993,360
11,606,955
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
37,616,271
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
21.43
21.7
18.01
19.11
42.25
40.37
43.44
47.93
63.03
65.19
5.77
53.92
96.5
71.1
50.89
21.54
37.14
Return on Common Equity (%)

Capital Structure

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
- -
26,260
- -
LT Borrowings
23,095,237
16,766,121
16,672,303
LT Finance Leases
1,596,793
1,298,779
1,374,906
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
955
953
949
Market Capitalization
31,400,571
37,125,906
41,882,171

Working Capital

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
33,336,543
27,900,812
30,327,385
Accounts Receivable, Net
- -
643,348
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
7,485,570
7,115,373
11,879,584
ST Debt
- -
26,260
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

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
10.43%
12.66%
5.02%
Total Cash Common Dividend
-36.28%
-92.03%
73.43%

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
6,830,593
7,008,832
6,988,185
7,382,207
26,179,776
2025
6,663,973
7,158,503
7,343,890
6,051,935
27,494,931
2026
7,392,413
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

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
1,822.06
3,512.36
3,234.07
-2,455.04
1,936.41
2026
1,909.11
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

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
- -
-0.06
0.33
5,451.7
2026
- -
- -
- -
- -
- -
Business
Grupo Cibest S.A. operates as a diversified financial services holding company with a primary focus on banking and related financial activities in Latin America. The group functions as the controlling entity for Bancolombia S.A. and other financial subsidiaries, offering a broad suite of financial products and services to institutional, corporate, and retail clients, as well as high-net-worth individuals, across multiple markets. The company maintains a diversified portfolio of subsidiaries and affiliates, enabling leverage across retail banking, corporate lending, asset management, brokerage, and payment services, supported by a network of regional operations and strategic partnerships. Main products and services - Banking and deposit services: consumer and commercial banking, savings and checking accounts, time deposits, treasury and cash management solutions; digital banking platforms including mobile and online banking. - Lending and credit facilities: mortgages, vehicle and consumer loans, commercial and SME lending, project finance, trade finance facilities, letters of credit, and guarantees. - Investment and wealth management: brokerage services for equities, fixed income, mutual funds, structured products; investment advisory and discretionary portfolio management; private banking services for high-net-worth clients; custody and settlement services; access to capital markets and primary offerings. - Risk management and hedging: derivatives (futures, forwards, options, swaps) for hedging and speculative purposes; risk analytics and advisory services for corporate clients. - Cash management and payments: domestic and cross-border payments, FX cash management, treasury solutions, card services, ATM networks, debit/credit card processing, and digital payment interfaces. - Trade finance and foreign exchange: letters of credit, bills collection, foreign currency trading, trade finance advisory, and supply chain financing. - Bancassurance and insurance products: life and non-life insurance solutions distributed through banking channels; cross-selling of insurance products to bank clients. - Digital and technology-enabled services: online and mobile banking, remote banking, customer self-service portals, and digital onboarding platforms; fintech partnerships and digital wallet capabilities. - Asset management and investment products: mutual funds, structured notes, private equity and credit funds, and other investment products distributed through affiliated channels. - Specialized financial services: leasing, factoring, cash-in-transit and treasury services, securitization programs, and structured finance arrangements through relevant subsidiaries. Latest major company changes - Strategic alliances and partnerships: forms alliances with regional banking incumbents and fintech providers to expand product reach in Latin America and optimize cross-border service delivery; these partnerships enable enhanced digital channels and broadened distribution of financial products. - Capital actions and shareholder initiatives: authorizes and executes share buyback programs and ADR transactions to optimize capital structure and align shareholder value; ongoing reviews of capital allocation and governance with respect to cross-border listings. - Product and service launches: introduces enhanced digital banking platforms, expanded private banking offerings for affluent clients, and new structured products linked to regional capital markets to diversify revenue streams. - Corporate reorganizations and expansions: extends geographic footprint through acquisitions or minority investments in subsidiary banks and financial services entities; reinforces group-level governance and reporting structures to support expanded operations. - Regulatory and listing developments: maintains NYSE and local exchange (BVC) listings and compliance programs; updates corporate disclosures reflecting changes in ownership, subsidiary structures, and regulatory approvals. Additional context - Industry and segments: financial services; banking; wealth and asset management; payments; capital markets; insurance distribution. - Target markets and customers: retailers, mid-market and large corporations, financial institutions, and high-net-worth individuals across Latin America; institutional clients for corporate finance, treasury, and risk management. - Geographic operations: primarily Latin America with operations in Colombia and surrounding markets; services extended through subsidiaries and branches in multiple countries, supported by regional offices and cross-border capabilities. - Founding year and headquarters: established as a financial services group with its headquarters located in Medellín and/or Colombia, reflecting its core regional presence; a formal parent structure guides operations across its subsidiaries. - Subsidiaries and parent relationships: parent company to Bancolombia S.A. and other banks and financial entities; maintains a network of subsidiaries including affiliate banks and fintech or digital finance ventures to support diversified product lines.