Grupo Cibest S.A. (CIB) fundamental analysis — strengths, weaknesses & financial health based on data analysis
No significant weaknesses identified
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
Grupo Cibest S.A. (CIB) stock price & volume — 10-year historical chart
Grupo Cibest S.A. (CIB) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Grupo Cibest S.A. (CIB) EPS & revenue vs analyst estimates — last 4 quarters
| 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 |
Grupo Cibest S.A. (CIB) competitors in Non-US regional and universal banks — business model, growth, and fundamentals comparison
Grupo Cibest S.A. (CIB) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
Grupo Cibest S.A. (CIB) annual income statement — 10-year revenue, gross profit & net income history
| Line item | 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 |
Grupo Cibest S.A. (CIB) balance sheet — assets, liabilities & shareholders' equity
| Line item | 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 |
Grupo Cibest S.A. (CIB) cash flow — operating, investing & free cash flow history
| Line item | 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% |
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% |
Grupo Cibest S.A. (CIB) stock FAQ — growth, dividends, profitability & financials explained
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).
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.
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.
Grupo Cibest S.A. (CIB) financial analysis — history, returns, DCA and operating performance tools
Analyst verdict, bull/bear case, risk factors and peer comparison
Historical returns with dividends reinvested
Dollar cost averaging vs lump sum
Yield, growth, payout safety & DRIP
EPS trends, net income & profitability
Long-term charts & historical price data
Sales growth patterns & revenue breakdown
30 years of market, efficiency and balance-sheet ratios
DCF intrinsic value, peer multiples & estimates