Grupo Cibest S.A.(CIB)Earnings, Financials & Key Ratios

CIB•NYSE•Banking & Credit

9.9× P/E·Price updated Jun 19, 2026

SectorFinancial Services IndustryRegional Banks Sub-IndustryNon-US regional and universal banks

AboutGrupo Cibest SA operates as an investment holding company. The company is headquartered in Medellin, Columbia.Show more

Net Interest Income$19308.92B+2.9%
Total Revenue$42917.41B
Net Income$6776.99B+8.1%
Return on Equity15.85%+5.7%
Net Interest Margin5.09%+1.0%
Efficiency Ratio40.31%+26.5%
ROA1.8%+2.9%
Equity / Assets10.8%-9.9%
Book Value per Share171848.02-7.3%

CIB Key Insights

Grupo Cibest S.A. (CIB) fundamental analysis — strengths, weaknesses & financial health based on data analysis

✓Strengths

✓Strong 5Y profit CAGR of 89.7%
✓Strong Piotroski F-Score: 8/9
✓Strong NIM of 5.1%
✓Efficient operations: 40.3% efficiency ratio
✓Well capitalized: 10.8% equity/assets
✓Good 3Y average ROE of 15.4%

✗Weaknesses

No significant weaknesses identified

* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.

Get notified when CIB posts new earnings or crosses analyst targets

Free. No account needed. Unsubscribe any time.

CIB Price & Volume

Grupo Cibest S.A. (CIB) stock price & volume — 10-year historical chart

Loading chart...

CIB Growth Metrics

Grupo Cibest S.A. (CIB) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years11.21%

5 Years14.74%

3 Years9.5%

TTM-

Profit CAGR

10 Years10.4%

5 Years89.68%

3 Years-0.03%

TTM15.78%

EPS CAGR

10 Years-4.02%

5 Years44.03%

3 Years0.29%

TTM16.5%

Return on Capital

10 Years6.61%

5 Years8.52%

3 Years7.7%

Last Year3.88%

CIB Recent Earnings

Grupo Cibest S.A. (CIB) EPS & revenue vs analyst estimates — last 4 quarters

Full history →

●Beat EPS 2/12 qtrs (17%)●Beat Revenue 2/12 qtrs (40%)

Q2 2026Latest

May 4, 2026

Metric

Actual

Est

EPS

$1.62-12.0%

$1.84

Rev

$2.2B+9.1%

$2.0B

Q1 2026

Feb 23, 2026

Metric

Actual

Est

EPS

$1.77-13.2%

$2.04

Rev

$1.7B-14.1%

$2.0B

Q4 2025

Nov 6, 2025

Metric

Actual

Est

EPS

$2.18+20.4%

$1.81

Rev

$2.8B+37.3%

$2.0B

Q3 2025

Aug 7, 2025

Metric

Actual

Est

EPS

$1.79-100.0%

$7010.12

Rev

$2.6B

—

Quarter	Date	EPS (Act vs Est)	Revenue (Act vs Est)
Q2 2026Latest	May 4, 2026	$1.62vs $1.84-12.0%	$2.2Bvs $2.0B+9.1%
Q1 2026	Feb 23, 2026	$1.77vs $2.04-13.2%	$1.7Bvs $2.0B-14.1%
Q4 2025	Nov 6, 2025	$2.18vs $1.81+20.4%	$2.8Bvs $2.0B+37.3%
Q3 2025	Aug 7, 2025	$1.79vs $7010.12-100.0%	$2.6B

Based on last 12 quarters of dataView full earnings history →

Company	Market Cap	Stock Price	P/E Ratio (TTM)	Revenue Growth 1Y	Net Margin	Return on Equity (ROE)	Debt / Equity
GFIGold Fields LimitedDirect Competitor	34.55B	38.60	27.97	15.57%	23.24%	40.64%	0.55
BBARBanco BBVA Argentina S.A.Direct Competitor	4.47B	21.90	20.45	8.34%	5.54%	9.84%	0.55
BMABanco Macro S.A.Direct Competitor	6.5B	101.68	27.74	-10.04%	7.8%	0.03%	0.29
GGALGrupo Financiero Galicia S.A.Direct Competitor	9.05B	56.37	57.12	27.51%	1.36%	2.69%	0.47
SUSuncor Energy Inc.Direct Competitor	65.67B	55.33	16.09	-3.51%	12.17%	14.02%	0.41
BAPCredicorp Ltd.Direct Competitor	30.41B	382.76	14.94	7.11%	25.03%	19.31%	0.93
ITUBItaú Unibanco Holding S.A.Direct Competitor	85.86B	7.79	10.15	18.03%	11.66%	20.64%	4.71
BBDBanco Bradesco S.A.Product Competitor	35.54B	3.36	7.86	37.11%	6.78%	13.25%	4.46

Compare CIB vs Peers

Grupo Cibest S.A. (CIB) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs GFI

Most directly comparable listed peer for CIB.

Scale Benchmark

vs V

Larger-name benchmark to compare CIB against a more recognizable public peer.

Peer Set

Compare Top 5

vs GFI, BBAR, BMA, GGAL

CIB Income Statement

Grupo Cibest S.A. (CIB) annual income statement — 10-year revenue, gross profit & net income history

10Y historyFree accessUpdated daily

Metric	Dec'17	Dec'18	Dec'19	Dec'20	Dec'21	Dec'22	Dec'23	Dec'24	Dec'25
Net Interest Income	9.94T	10.06T	10.68T	10.61T	11.31T	16.99T	19.8T	18.76T	19.31T
NII Growth %	8.58%	1.24%	6.11%	-0.62%	6.62%	50.19%	16.52%	-5.23%	2.9%
Net Interest Margin %	4.87%	4.57%	4.52%	4.15%	3.9%	4.82%	5.77%	5.04%	5.09%
Interest Income	16.17T	15.73T	16.86T	16.47T	15.67T	25.43T	36.47T	33.79T	31.7T
Interest Expense	6.23T	5.67T	6.18T	5.86T	4.35T	8.44T	16.67T	15.02T	12.39T
Loan Loss Provision	3.46T	3.84T	3.41T	7.53T	2.42T	3.79T	7.46T	5.45T	4.3T
Non-Interest Income	4.66T	4.42T	5.04T	5.11T	6.02T	7.25T	8.71T	9.12T	11.22T
Non-Interest Income %	22.38%	21.94%	23.01%	23.66%	27.77%	22.18%	19.28%	21.26%	26.14%
Total Revenue	20.83T▲ 0%	20.15T▼ 3.3%	21.9T▲ 8.6%	21.58T▼ 1.4%	21.69T▲ 0.5%	32.69T▲ 50.7%	45.18T▲ 38.2%	42.91T▼ 5.0%	42.92T▲ 0.0%
Revenue Growth %	6.44%	-3.26%	8.65%	-1.44%	0.5%	50.7%	38.22%	-5.02%	0.02%
Non-Interest Expense	7.15T	7.02T	7.83T	7.88T	8.93T	10.71T	12.9T	13.68T	17.3T
Efficiency Ratio	34.3%	34.85%	35.75%	36.53%	41.19%	32.76%	28.55%	31.87%	40.31%
Operating Income	3.99T▲ 0%	3.62T▼ 9.4%	4.48T▲ 23.8%	308.77B▼ 93.1%	5.98T▲ 1838.0%	9.74T▲ 62.8%	8.15T▼ 16.4%	8.76T▲ 7.5%	8.92T▲ 1.9%
Operating Margin %	19.17%	17.94%	20.45%	1.43%	27.59%	29.81%	18.03%	20.41%	20.8%
Operating Income Growth %	0.62%	-9.44%	23.83%	-93.1%	1838%	62.85%	-16.39%	7.49%	1.91%
Pretax Income	3.99T▲ 0%	3.62T▼ 9.4%	4.48T▲ 23.8%	308.77B▼ 93.1%	5.98T▲ 1838.0%	9.74T▲ 62.8%	8.15T▼ 16.4%	8.76T▲ 7.5%	8.92T▲ 1.9%
Pretax Margin %	19.17%	17.94%	20.45%	1.43%	27.59%	29.81%	18.03%	20.41%	20.8%
Income Tax	1.24T	829.43B	1.26T	-6.59B	1.78T	2.75T	1.93T	2.39T	2.69T
Effective Tax Rate %	31.02%	22.94%	28.21%	-2.13%	29.68%	28.2%	23.72%	27.32%	30.12%
Net Income	2.62T▲ 0%	2.66T▲ 1.7%	3.12T▲ 17.2%	275.99B▼ 91.1%	4.09T▲ 1380.8%	6.78T▲ 66.0%	6.12T▼ 9.8%	6.27T▲ 2.5%	6.78T▲ 8.1%
Net Margin %	12.55%	13.19%	14.24%	1.28%	18.84%	20.75%	13.54%	14.61%	15.79%
Net Income Growth %	-8.74%	1.68%	17.24%	-91.15%	1380.76%	65.99%	-9.83%	2.47%	8.12%
Net Income (Continuing)	2.75T	2.79T	3.21T	315.36B	4.21T	7T	6.21T	6.37T	6.24T
EPS (Diluted)	44480.00▲ 0%	44228.00▼ 0.6%	51856.00▲ 17.2%	4591.16▼ 91.1%	16995.00▲ 270.2%	28210.00▲ 66.0%	25438.84▼ 9.8%	26066.00▲ 2.5%	28452.88▲ 9.2%
EPS Growth %	-8.55%	-0.57%	17.25%	-91.15%	270.17%	65.99%	-9.82%	2.47%	9.16%
EPS (Basic)	44480.00	44228.00	51856.00	4591.16	16995.00	28210.00	25438.84	26066.00	28452.88
Diluted Shares Outstanding	60.11M	60.11M	60.11M	60.11M	60.11M	240.46M	240.46M	240.46M	238.3M

CIB Balance Sheet

Grupo Cibest S.A. (CIB) balance sheet — assets, liabilities & shareholders' equity

Metric	Dec'17	Dec'18	Dec'19	Dec'20	Dec'21	Dec'22	Dec'23	Dec'24	Dec'25
Cash & Short Term Investments	17.28T	17.8T	20.72T	23.38T	24.54T	28.77T	36.13T	30.06T	22.78T
Cash & Due from Banks	17.28T	17.8T	20.72T	23.38T	24.54T	28.77T	31.96T	27.12T	22.78T
Short Term Investments	0	0	0	0	0	0	4.17T	2.94T	0
Total Investments	149.99T	162.8T	168.78T	188.09T	216.31T	264.25T	247.45T	281.73T	298.53T
Investments Growth %	6.79%	8.54%	3.67%	11.44%	15.01%	22.16%	-6.36%	13.85%	5.96%
Long-Term Investments	149.99T	162.8T	168.78T	188.09T	216.31T	264.25T	243.28T	278.79T	298.53T
Accounts Receivables	218.64B	249.91B	287.19B	287.13B	400.61B	474.35B	599.82B	593.62B	0
Goodwill & Intangibles	6.63T	7.2T	7.23T	7.51T	8.63T	10.44T	8.49T	9.77T	2.53T
Goodwill	6.1T	6.64T	6.69T	7.01T	8.14T	9.84T	7.82T	9.02T	0
Intangible Assets	535.47B	563.45B	538.96B	495.61B	485.63B	602.53B	671.57B	750.48B	2.53T
PP&E (Net)	3.17T	3.42T	5.59T	6.04T	6.91T	8.73T	8.36T	7.84T	6.73T
Other Assets	2.92T	3.34T	6.11T	4.26T	5.25T	8.76T	15.16T	13.61T	47.02T
Total Current Assets	41.05T	43.05T	47.97T	49T	52.01T	59.87T	66.96T	61.44T	22.78T
Total Non-Current Assets	162.86T	177.03T	188.12T	206.57T	237.84T	292.94T	275.97T	310.78T	356.57T
Total Assets	203.91T▲ 0%	220.08T▲ 7.9%	236.09T▲ 7.3%	255.57T▲ 8.3%	289.86T▲ 13.4%	352.81T▲ 21.7%	342.93T▼ 2.8%	372.22T▲ 8.5%	379.35T▲ 1.9%
Asset Growth %	3.9%	7.93%	7.28%	8.25%	13.42%	21.72%	-2.8%	8.54%	1.92%
Return on Assets (ROA)	1.31%	1.25%	1.37%	0.11%	1.5%	2.11%	1.76%	1.75%	1.8%
Accounts Payable	1.25T	1.39T	1.5T	1.12T	1.44T	2.33T	1.65T	1.84T	0
Total Debt	36.71T	38.94T	37.03T	34.36T	31.46T	41.17T	32.56T	29.91T	19.36T
Net Debt	19.42T	21.14T	16.3T	10.98T	6.93T	12.4T	597.4B	2.79T	-3.42T
Long-Term Debt	33.47T	36.63T	33.88T	30.33T	29.65T	39.27T	25.73T	18.86T	17.36T
Short-Term Debt	3.24T	2.32T	1.31T	2.22T	0	0	5.05T	9.17T	675.32B
Other Liabilities	6.19T	6.84T	7.66T	5.93T	8.69T	15T	17.46T	11.55T	316.13T
Total Current Liabilities	137.78T	147.47T	161.67T	187.45T	213.83T	254.78T	255.67T	291.23T	675.32B
Total Non-Current Liabilities	41.7T	45.95T	45.61T	40.01T	42.1T	58.04T	48.21T	36.4T	337.72T
Total Liabilities	179.48T	193.42T	207.28T	227.45T	255.93T	312.82T	303.88T	327.63T	338.4T
Total Equity	24.43T▲ 0%	26.66T▲ 9.1%	28.81T▲ 8.1%	28.12T▼ 2.4%	33.93T▲ 20.7%	40T▲ 17.9%	39.05T▼ 2.4%	44.58T▲ 14.2%	40.95T▼ 8.1%
Equity Growth %	8.69%	9.11%	8.07%	-2.4%	20.67%	17.9%	-2.37%	14.17%	-8.15%
Equity / Assets (Capital Ratio)	11.98%	12.11%	12.2%	11%	11.7%	11.34%	11.39%	11.98%	10.8%
Return on Equity (ROE)	11.15%	10.41%	11.24%	0.97%	13.17%	18.35%	15.48%	14.99%	15.85%
Book Value per Share	406385.34	443409.42	479179.22	467698.26	564349.68	166339.90	162398.14	185414.94	171848.02
Tangible BV per Share	296071.66	323606.63	358853.64	342813.52	420810.14	122925.89	127091.60	144792.66	161212.52
Common Stock	480.91B	480.91B	480.91B	480.91B	480.91B	480.91B	480.91B	480.91B	480.4B
Additional Paid-in Capital	4.86T	4.86T	4.86T	4.86T	4.86T	4.86T	4.86T	4.86T	4.85T
Retained Earnings	3.57T	3.91T	4.7T	3.91T	3.27T	3.28T	8.63T	31.56T	7.19T
Accumulated OCI	11.59T	12.94T	13.73T	17.02T	19.54T	23.69T	24.12T	6.65T	27.19T
Treasury Stock	0	0	0	0	0	0	0	0	0
Preferred Stock	0	0	0	0	0	0	0	0	0

CIB Cash Flow Statement

Grupo Cibest S.A. (CIB) cash flow — operating, investing & free cash flow history

Metric	Dec'17	Dec'18	Dec'19	Dec'20	Dec'21	Dec'22	Dec'23	Dec'24	Dec'25
Cash from Operations	2.94T	1.04T	12.32T	11.23T	6.6T	6.34T	19.15T	435.89B	12.26T
Operating CF Growth %	-18.38%	-64.52%	1080.95%	-8.81%	-41.21%	-3.99%	202.13%	-97.72%	2712.36%
Net Income	2.75T	2.79T	3.21T	315.36B	4.21T	7T	6.21T	6.37T	3.94T
Depreciation & Amortization	433.03B	467.78B	677.25B	736.37B	855.17B	949.45B	1.08T	1.01T	1.06T
Deferred Taxes	1.29T	829.43B	1.26T	-6.59B	1.78T	2.75T	1.93T	2.39T	2.89T
Other Non-Cash Items	2.88T	3.53T	3.78T	4.36T	2.22T	1T	5.11T	4.84T	5.16T
Working Capital Changes	-4.42T	-6.57T	3.38T	5.83T	-2.46T	-5.36T	4.82T	-14.18T	-784.79B
Cash from Investing	-1.91T	-1.38T	-2.19T	-7.52T	-650.49B	-4.65T	-159.69B	-559.2B	-2.22T
Purchase of Investments	-3.43T	-4.32T	-8.79T	-15.16T	-12.62T	-11.73T	-11.59T	-2.7T	-2.43T
Sale/Maturity of Investments	2.17T	3.77T	7.96T	10.12T	13.75T	11.26T	14.01T	3.97T	2.23T
Net Investment Activity	-1.25T	-551.97B	-823.9B	-5.04T	1.14T	-476.89B	2.42T	1.27T	-192.89B
Acquisitions	-1.53B	26M	70.31B	-1.12T	-9.18B	-815.28B	0	0	0
Other Investing	479.06B	184.19B	118.22B	162.63B	409.3B	176.53B	-166.14B	210.92B	221.02B
Cash from Financing	-3.62T	-732.71B	-5.26T	-4.92T	-6.81T	853.44B	-5.43T	-9.24T	-8.25T
Dividends Paid	-1.13T	-735.8B	-1.03T	-1.56T	-467.22B	-2.31T	-3.3T	-3.4T	-5.2T
Share Repurchases	0	0	0	0	0	0	0	0	-431.42B
Stock Issued	0	0	0	0	0	0	0	0	0
Net Stock Activity	0	0	0	0	0	0	0	0	-431.42B
Debt Issuance (Net)	-1000K	1000K	-1000K	-1000K	-1000K	1000K	-1000K	-1000K	-1000K
Other Financing	1.31T	-562.67B	-1T	861.93B	-1.46T	-616.68B	263.6B	531.06B	15.93B
Net Change in Cash	-2.29T▲ 0%	565.17B▲ 124.6%	5.01T▲ 786.0%	-36.89B▼ 100.7%	1.63T▲ 4514.7%	6.32T▲ 287.8%	8.15T▲ 29.1%	-6.96T▼ 185.3%	590.06B▲ 108.5%
Exchange Rate Effect	294.8B	1.64T	143.14B	1.17T	2.49T	3.78T	-5.41T	2.41T	-1.21T
Cash at Beginning	20.46T	18.17T	18.73T	23.74T	23.7T	25.33T	31.65T	39.8T	32.84T
Cash at End	18.17T	18.73T	23.74T	23.7T	25.33T	31.65T	39.8T	32.84T	33.43T
Interest Paid	0	0	0	0	0	0	0	0	0
Income Taxes Paid	0	0	0	0	0	0	0	0	0
Free Cash Flow	1.81T▲ 0%	28.77B▼ 98.4%	10.76T▲ 37307.1%	9.7T▼ 9.9%	4.42T▼ 54.5%	2.8T▼ 36.6%	16.74T▲ 497.8%	-1.61T▼ 109.6%	10.01T▲ 723.5%
FCF Growth %	-28.24%	-98.41%	37307.12%	-9.85%	-54.47%	-36.59%	497.77%	-109.59%	723.5%

CIB Banking Ratios

Grupo Cibest S.A. (CIB) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios

Metric	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
Return on Equity (ROE)	13.36%	11.15%	10.41%	11.24%	0.97%	13.17%	18.35%	15.48%	14.99%	15.85%
Return on Assets (ROA)	1.47%	1.31%	1.25%	1.37%	0.11%	1.5%	2.11%	1.76%	1.75%	1.8%
Net Interest Margin	4.66%	4.87%	4.57%	4.52%	4.15%	3.9%	4.82%	5.77%	5.04%	5.09%
Efficiency Ratio	34.85%	34.3%	34.85%	35.75%	36.53%	41.19%	32.76%	28.55%	31.87%	40.31%
Equity / Assets	11.45%	11.98%	12.11%	12.2%	11%	11.7%	11.34%	11.39%	11.98%	10.8%
Book Value / Share	373.9K	406.39K	443.41K	479.18K	467.7K	564.35K	166.34K	162.4K	185.41K	171.85K
NII Growth	30.74%	8.58%	1.24%	6.11%	-0.62%	6.62%	50.19%	16.52%	-5.23%	2.9%
Dividend Payout	29.32%	43.07%	27.67%	33.12%	563.72%	11.43%	34.06%	53.92%	54.23%	76.68%

CIB Frequently Asked Questions

Grupo Cibest S.A. (CIB) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials

Grupo Cibest S.A. (CIB) grew revenue by 0.0% over the past year. Growth has been modest.

Yes, Grupo Cibest S.A. (CIB) is profitable, generating $7.26T in net income for fiscal year 2025 (15.8% net margin).

Dividend & Returns

Yes, Grupo Cibest S.A. (CIB) pays a dividend with a yield of 7.74%. This makes it attractive for income-focused investors.

Grupo Cibest S.A. (CIB) has a return on equity (ROE) of 15.8%. This is reasonable for most industries.

Industry Metrics

Grupo Cibest S.A. (CIB) has a net interest margin (NIM) of 5.1%. This indicates healthy earnings from lending activities.

Grupo Cibest S.A. (CIB) has an efficiency ratio of 40.3%. This is excellent, indicating strong cost control.

What if you invested $1,000 in CIB back in 1998?

Total return calculator · dividends reinvested · 28+ years of data

See returns →

How much would $100/month in CIB be worth today?

Dollar cost averaging calculator · DCA vs lump sum

Calculate →

Grupo Cibest S.A.(CIB)Earnings, Financials & Key Ratios

CIB•NYSE•Banking & Credit

9.9× P/E·Price updated Jun 19, 2026

SectorFinancial Services IndustryRegional Banks Sub-IndustryNon-US regional and universal banks

AboutGrupo Cibest SA operates as an investment holding company. The company is headquartered in Medellin, Columbia.Show more

Net Interest Income$19308.92B+2.9%
Total Revenue$42917.41B
Net Income$6776.99B+8.1%
Return on Equity15.85%+5.7%
Net Interest Margin5.09%+1.0%
Efficiency Ratio40.31%+26.5%
ROA1.8%+2.9%
Equity / Assets10.8%-9.9%
Book Value per Share171848.02-7.3%