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

CIB•NYSE•Banking & Credit
$66.84
$15.86B mkt cap·8.7× P/E·Price updated May 6, 2026
SectorFinancial ServicesIndustryRegional BanksSub-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%
  • Tangible BV/Share161212.52+11.3%
  • Debt/Equity0.47-29.5%
Analysis→Technical→

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.

CIB Price & Volume

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

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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 1/12 qtrs (8%)●Beat Revenue 2/12 qtrs (50%)
Q2 2026Latest
May 4, 2026
EPS
$1.62
Est $1.84
-12.0%
Revenue
$2.2B
Est $2.0B
+9.1%
Q1 2026
Feb 23, 2026
EPS
$1.77
Est $2.04
-13.2%
Revenue
$1.7B
Est $2.0B
-14.1%
Q4 2025
Nov 6, 2025
EPS
$2.18
Est $1.81
+20.4%
Revenue
$2.8B
Est $2.0B
+37.3%
Q3 2025
Aug 7, 2025
EPS
$1.79
Est $7010.12
-100.0%
Revenue
$2.6B
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestMay 4, 2026
$1.62vs $1.84-12.0%
$2.2Bvs $2.0B+9.1%
Q1 2026Feb 23, 2026
$1.77vs $2.04-13.2%
$1.7Bvs $2.0B-14.1%
Q4 2025Nov 6, 2025
$2.18vs $1.81+20.4%
$2.8Bvs $2.0B+37.3%
Q3 2025Aug 7, 2025
$1.79vs $7010.12-100.0%
$2.6B
Based on last 12 quarters of dataView full earnings history →

CIB Peer Comparison

Grupo Cibest S.A. (CIB) competitors in Non-US regional and universal banks — business model, growth, and fundamentals comparison

Select Columns
Stock Universe
Valuation
Growth
Profitability
Financial Health
Dividends & Buybacks
Price Performance
Technical
Fundamentals ($)
Sector-Specific
CompanyMarket CapStock PriceP/E Ratio (TTM)Revenue Growth 1YNet MarginReturn on Equity (ROE)FCF YieldDebt / Equity
GFI logoGFIGold Fields LimitedDirect Competitor41.35B46.2033.4815.57%23.24%40.64%0.55
BBAR logoBBARBanco BBVA Argentina S.A.Direct Competitor3.19B15.6212.59-31.12%9.12%0.13
BMA logoBMABanco Macro S.A.Direct Competitor4.84B76.9721.07-33.31%6.12%0.11
GGAL logoGGALGrupo Financiero Galicia S.A.Direct Competitor5.76B43.445.10-23.52%12.91%0.36
SU logoSUSuncor Energy Inc.Direct Competitor76.59B64.3218.02-3.51%12.1%13.18%0.41
BAP logoBAPCredicorp Ltd.Direct Competitor25.92B326.5516.486.4%17.35%1.07
ITUB logoITUBItaú Unibanco Holding S.A.Direct Competitor93.13B8.4510.6218.03%20.64%4.71
BBD logoBBDBanco Bradesco S.A.Product Competitor40.84B3.868.7037.11%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
Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Net Interest Income9.94T10.06T10.68T10.61T11.31T16.99T19.8T18.76T19.31T
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 Income16.17T15.73T16.86T16.47T15.67T25.43T36.47T33.79T31.7T
Interest Expense6.23T5.67T6.18T5.86T4.35T8.44T16.67T15.02T12.39T
Loan Loss Provision3.46T3.84T3.41T7.53T2.42T3.79T7.46T5.45T4.3T
Non-Interest Income4.66T4.42T5.04T5.11T6.02T7.25T8.71T9.12T11.22T
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 Expense7.15T7.02T7.83T7.88T8.93T10.71T12.9T13.68T17.3T
Efficiency Ratio34.3%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 Tax1.24T829.43B1.26T-6.59B1.78T2.75T1.93T2.39T2.69T
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)2.75T2.79T3.21T315.36B4.21T7T6.21T6.37T6.24T
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)44480.0044228.0051856.004591.1616995.0028210.0025438.8426066.0028452.88
Diluted Shares Outstanding60.11M60.11M60.11M60.11M60.11M240.46M240.46M240.46M238.3M

CIB Balance Sheet

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

Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Cash & Short Term Investments17.28T17.8T20.72T23.38T24.54T28.77T36.13T30.06T22.78T
Cash & Due from Banks17.28T17.8T20.72T23.38T24.54T28.77T31.96T27.12T22.78T
Short Term Investments0000004.17T2.94T0
Total Investments149.99T162.8T168.78T188.09T216.31T264.25T247.45T281.73T298.53T
Investments Growth %6.79%8.54%3.67%11.44%15.01%22.16%-6.36%13.85%5.96%
Long-Term Investments149.99T162.8T168.78T188.09T216.31T264.25T243.28T278.79T298.53T
Accounts Receivables218.64B249.91B287.19B287.13B400.61B474.35B599.82B593.62B0
Goodwill & Intangibles6.63T7.2T7.23T7.51T8.63T10.44T8.49T9.77T2.53T
Goodwill6.1T6.64T6.69T7.01T8.14T9.84T7.82T9.02T0
Intangible Assets535.47B563.45B538.96B495.61B485.63B602.53B671.57B750.48B2.53T
PP&E (Net)3.17T3.42T5.59T6.04T6.91T8.73T8.36T7.84T6.73T
Other Assets2.92T3.34T6.11T4.26T5.25T8.76T15.16T13.61T47.02T
Total Current Assets41.05T43.05T47.97T49T52.01T59.87T66.96T61.44T22.78T
Total Non-Current Assets162.86T177.03T188.12T206.57T237.84T292.94T275.97T310.78T356.57T
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 Payable1.25T1.39T1.5T1.12T1.44T2.33T1.65T1.84T0
Total Debt36.71T38.94T37.03T34.36T31.46T41.17T32.56T29.91T19.36T
Net Debt19.42T21.14T16.3T10.98T6.93T12.4T597.4B2.79T-3.42T
Long-Term Debt33.47T36.63T33.88T30.33T29.65T39.27T25.73T18.86T17.36T
Short-Term Debt3.24T2.32T1.31T2.22T005.05T9.17T675.32B
Other Liabilities6.19T6.84T7.66T5.93T8.69T15T17.46T11.55T316.13T
Total Current Liabilities137.78T147.47T161.67T187.45T213.83T254.78T255.67T291.23T675.32B
Total Non-Current Liabilities41.7T45.95T45.61T40.01T42.1T58.04T48.21T36.4T337.72T
Total Liabilities179.48T193.42T207.28T227.45T255.93T312.82T303.88T327.63T338.4T
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 Share406385.34443409.42479179.22467698.26564349.68166339.90162398.14185414.94171848.02
Tangible BV per Share296071.66323606.63358853.64342813.52420810.14122925.89127091.60144792.66161212.52
Common Stock480.91B480.91B480.91B480.91B480.91B480.91B480.91B480.91B480.4B
Additional Paid-in Capital4.86T4.86T4.86T4.86T4.86T4.86T4.86T4.86T4.85T
Retained Earnings3.57T3.91T4.7T3.91T3.27T3.28T8.63T31.56T7.19T
Accumulated OCI11.59T12.94T13.73T17.02T19.54T23.69T24.12T6.65T27.19T
Treasury Stock000000000
Preferred Stock000000000

CIB Cash Flow Statement

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

Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Cash from Operations2.94T1.04T12.32T11.23T6.6T6.34T19.15T435.89B12.26T
Operating CF Growth %-18.38%-64.52%1080.95%-8.81%-41.21%-3.99%202.13%-97.72%2712.36%
Net Income2.75T2.79T3.21T315.36B4.21T7T6.21T6.37T3.94T
Depreciation & Amortization433.03B467.78B677.25B736.37B855.17B949.45B1.08T1.01T1.06T
Deferred Taxes1.29T829.43B1.26T-6.59B1.78T2.75T1.93T2.39T2.89T
Other Non-Cash Items2.88T3.53T3.78T4.36T2.22T1T5.11T4.84T5.16T
Working Capital Changes-4.42T-6.57T3.38T5.83T-2.46T-5.36T4.82T-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 Investments2.17T3.77T7.96T10.12T13.75T11.26T14.01T3.97T2.23T
Net Investment Activity-1.25T-551.97B-823.9B-5.04T1.14T-476.89B2.42T1.27T-192.89B
Acquisitions-1.53B26M70.31B-1.12T-9.18B-815.28B000
Other Investing479.06B184.19B118.22B162.63B409.3B176.53B-166.14B210.92B221.02B
Cash from Financing-3.62T-732.71B-5.26T-4.92T-6.81T853.44B-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 Repurchases00000000-431.42B
Stock Issued000000000
Net Stock Activity00000000-431.42B
Debt Issuance (Net)-1000K1000K-1000K-1000K-1000K1000K-1000K-1000K-1000K
Other Financing1.31T-562.67B-1T861.93B-1.46T-616.68B263.6B531.06B15.93B
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 Effect294.8B1.64T143.14B1.17T2.49T3.78T-5.41T2.41T-1.21T
Cash at Beginning20.46T18.17T18.73T23.74T23.7T25.33T31.65T39.8T32.84T
Cash at End18.17T18.73T23.74T23.7T25.33T31.65T39.8T32.84T33.43T
Interest Paid000000000
Income Taxes Paid000000000
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

Metric2016201720182019202020212022202320242025
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 Margin4.66%4.87%4.57%4.52%4.15%3.9%4.82%5.77%5.04%5.09%
Efficiency Ratio34.85%34.3%34.85%35.75%36.53%41.19%32.76%28.55%31.87%40.31%
Equity / Assets11.45%11.98%12.11%12.2%11%11.7%11.34%11.39%11.98%10.8%
Book Value / Share373.9K406.39K443.41K479.18K467.7K564.35K166.34K162.4K185.41K171.85K
NII Growth30.74%8.58%1.24%6.11%-0.62%6.62%50.19%16.52%-5.23%2.9%
Dividend Payout29.32%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 8.82%. 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.

Explore More CIB

Grupo Cibest S.A. (CIB) financial analysis — history, returns, DCA and operating performance tools

Full CIB Stock Analysis

Analyst verdict, bull/bear case, risk factors and peer comparison

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Total Return Calculator

Historical returns with dividends reinvested

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DCA Calculator

Dollar cost averaging vs lump sum

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Dividend History

Yield, growth, payout safety & DRIP

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Earnings History

EPS trends, net income & profitability

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Price History

Long-term charts & historical price data

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Revenue History

Sales growth patterns & revenue breakdown

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Financial Ratios

30 years of market, efficiency and balance-sheet ratios

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Valuation

DCF intrinsic value, peer multiples & estimates

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