The bank maintains a thin capital cushion with an equity-to-assets ratio hovering between 0.10 and 0.12, reflecting a defensive asset allocation strategy heavily weighted toward $299.0T in investment securities.
| Metric | TTM | Dec'25 | Dec'24 | Dec'23 | Dec'22 | Dec'21 | Dec'20 | Dec'19 | Dec'18 | Dec'17 | Dec'16 | Dec'15 | Dec'14 | Dec'13 | Dec'12 | Dec'11 | Dec'10 | Dec'09 | Dec'08 | Dec'07 | Dec'06 | Dec'05 | Dec'04 | Dec'03 | Dec'02 | Dec'01 | Dec'00 | Dec'99 | Dec'98 |
|---|
| Cash & Short Term Investments | 115.91T | 22.78T | 30.06T | 36.13T | 28.77T | 24.54T | 23.38T | 20.72T | 17.8T | 17.28T | 17.82T | 15.68T | 12.16T | 13.32T | 7.3T | 0 | 6.16T | 7.37T | 5.62T | 5.23T | 2.01T | 1.73T | 1.24T | 1.4T | 851B | 712.98B | 720.36B | 664.79B | 751.99B |
| Cash & Due from Banks | 23.33T | 22.78T | 27.12T | 31.96T | 28.77T | 24.54T | 23.38T | 20.72T | 17.8T | 17.28T | 17.82T | 15.68T | 12.16T | 13.32T | 7.3T | 6.92T | 6.16T | 7.37T | 5.62T | 5.23T | 2.01T | 1.73T | 1.24T | 1.4T | 851B | 712.98B | 720.36B | 664.79B | 751.99B |
| Short Term Investments | 0 | 0 | 2.94T | 4.17T | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Investments | 299.01T | 298.53T | 281.73T | 247.45T | 264.25T | 216.31T | 188.09T | 168.78T | 162.8T | 149.99T | 140.45T | 139.48T | 101T | 84.25T | 63.84T | 10.04T | 54.77T | 45.16T | 47.07T | 40.01T | 26.9T | 26.39T | 12.47T | 10.01T | 8.52T | 5.34T | 6.4T | 4.46T | 4.52T |
| Investments Growth % | 27.98% | 5.96% | 13.85% | -6.36% | 22.16% | 15.01% | 11.44% | 3.67% | 8.54% | 6.79% | 0.7% | 38.09% | 19.89% | 31.97% | 535.83% | -81.67% | 21.28% | -4.06% | 17.64% | 48.74% | 1.93% | 111.69% | 24.57% | 17.43% | 59.53% | -16.54% | 43.49% | -1.34% | - |
| Long-Term Investments | 1159.56T | 298.53T | 278.79T | 243.28T | 264.25T | 216.31T | 188.09T | 168.78T | 162.8T | 149.99T | 140.45T | 139.48T | 101T | 84.25T | 63.84T | 9.99T | 54.77T | 45.16T | 47.07T | 40.01T | 26.9T | 26.39T | 12.47T | 10.01T | 8.52T | 5.34T | 6.4T | 4.46T | 4.52T |
| Accounts Receivables | 0 | 0 | 593.62B | 599.82B | 474.35B | 400.61B | 287.13B | 287.19B | 249.91B | 218.64B | 164.95B | 122.71B | 183.11B | 144.32B | 1.77T | 1.46T | 1.12T | 1.15T | 1.33T | 1.11T | 817.89B | 198.33B | 120.83B | 99.64B | 83.09B | 77.45B | 105.15B | 80.52B | 147.85B |
| Goodwill & Intangibles | 2.49T | 2.53T | 9.77T | 8.49T | 10.44T | 8.63T | 7.51T | 7.23T | 7.2T | 6.63T | 6.69T | 7.09T | 4.59T | 3.89T | 571.37B | 679.86B | 750.97B | 855.72B | 1.01T | 977.1B | 40.16B | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Goodwill | 2.49T | 0 | 9.02T | 7.82T | 9.84T | 8.14T | 7.01T | 6.69T | 6.64T | 6.1T | 6.13T | 6.48T | 4.41T | 3.59T | 571.37B | 679.86B | 750.97B | 855.72B | 1.01T | 977.1B | 40.16B | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Intangible Assets | 0 | 2.53T | 750.48B | 671.57B | 602.53B | 485.63B | 495.61B | 538.96B | 563.45B | 535.47B | 563.94B | 607.59B | 171.12B | 305.82B | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| PP&E (Net) | 6.68T | 6.73T | 7.84T | 8.36T | 8.73T | 6.91T | 6.04T | 5.59T | 3.42T | 3.17T | 3.15T | 3.09T | 2.68T | 2.45T | 3.5T | 2.97T | 2.18T | 1.84T | 1.76T | 1.34T | 712.72B | 623.94B | 344.97B | 328.55B | 318.05B | 321.18B | 331.1B | 604.87B | 596.18B |
| Other Assets | 53.78T | 47.02T | 13.61T | 15.16T | 8.76T | 5.25T | 4.26T | 6.11T | 3.34T | 2.92T | 4.75T | 4.96T | 10.1T | 10.27T | 12.16T | -13.64T | 2.81T | 5.31T | 4.86T | 3.34T | 3.8T | 1.82T | 3.17T | 2.71T | 2.64T | 3.71T | 1.04T | 1.9T | 2.08T |
| Total Current Assets | 25.46T | 22.78T | 61.44T | 66.96T | 59.87T | 52.01T | 49T | 47.97T | 43.05T | 41.05T | 40.99T | 38.18T | 31.07T | 29.88T | 17.85T | 0 | 7.59T | 8.7T | 7.09T | 6.48T | 3.04T | 1.93T | 1.37T | 1.66T | 1.11T | 897.49B | 825.5B | 870.79B | 1.08T |
| Total Non-Current Assets | 363.69T | 356.57T | 310.78T | 275.97T | 292.94T | 237.84T | 206.57T | 188.12T | 177.03T | 162.86T | 155.27T | 154.79T | 118.56T | 101.1T | 80.06T | 12.34T | 60.51T | 53.16T | 54.7T | 45.67T | 31.45T | 28.89T | 16.05T | 13.05T | 11.48T | 9.38T | 7.78T | 6.96T | 7.2T |
| Total Assets | 389.14T | 379.35T | 372.22T | 342.93T | 352.81T | 289.86T | 255.57T | 236.09T | 220.08T | 203.91T | 196.26T | 192.97T | 149.63T | 130.98T | 97.92T | 85.46T | 68.1T | 61.86T | 61.78T | 52.15T | 34.49T | 30.81T | 17.41T | 14.71T | 12.6T | 10.27T | 8.6T | 7.83T | 8.28T |
| Asset Growth % | 21.33% | 1.92% | 8.54% | -2.8% | 21.72% | 13.42% | 8.25% | 7.28% | 7.93% | 3.9% | 1.7% | 28.97% | 14.24% | 33.76% | 14.57% | 25.51% | 10.07% | 0.13% | 18.47% | 51.21% | 11.93% | 76.94% | 18.37% | 16.77% | 22.64% | 19.43% | 9.81% | -5.39% | - |
| Return on Assets (ROA) | 1.84% | 1.8% | 1.75% | 1.76% | 2.11% | 1.5% | 0.11% | 1.37% | 1.25% | 1.31% | 1.47% | 1.47% | 1.7% | 1.32% | 1.86% | 2.17% | 2.21% | 2.03% | 2.27% | 2.51% | 2.3% | 3.93% | 3.59% | 3.33% | 1.83% | 1.67% | -1.39% | -2.74% | -0.13% |
| Accounts Payable | 0 | 0 | 1.84T | 1.65T | 2.33T | 1.44T | 1.12T | 1.5T | 1.39T | 1.25T | 1.29T | 891B | 1.1T | 1.08T | 2.83T | 2.57T | 1.99T | 2.07T | 2.09T | 2T | 1.18T | 182.35B | 108.76B | 91.56B | 74.5B | 82B | 219.24B | 82.4B | 103.34B |
| Total Debt | 20.06T | 19.36T | 29.91T | 32.56T | 41.17T | 31.46T | 34.36T | 37.03T | 38.94T | 36.71T | 39.53T | 40.39T | 30.27T | 26.17T | 17.38T | 17.77T | 12.93T | 10.9T | 12.16T | 9.71T | 6.85T | 5.58T | 1.65T | 2.33T | 1.79T | 1.04T | 930.65B | 1.03T | 1.8T |
| Net Debt | -3.27T | -3.42T | 2.79T | 597.4B | 12.4T | 6.93T | 10.98T | 16.3T | 21.14T | 19.42T | 21.71T | 24.71T | 18.11T | 12.85T | 10.08T | 10.95T | 6.77T | 3.52T | 6.54T | 4.48T | 4.84T | 3.85T | 405.88B | 926.39B | 939.83B | 330.3B | 210.29B | 363.3B | 1.05T |
| Long-Term Debt | 16.67T | 17.36T | 18.86T | 25.73T | 39.27T | 29.65T | 30.33T | 33.88T | 36.63T | 33.47T | 37.61T | 39.16T | 28.38T | 25.15T | 17.33T | 17.77T | 12.93T | 9.55T | 9.59T | 7.7T | 4.82T | 1.65T | 550.5B | 802.51B | 776.5B | 439.64B | 469.8B | 717.23B | 1.05T |
| Short-Term Debt | 2.01T | 675.32B | 9.17T | 5.05T | 0 | 0 | 2.22T | 1.31T | 2.32T | 3.24T | 1.92T | 1.23T | 1.89T | 1.02T | 44.94B | 0 | 0 | 1.34T | 2.56T | 2.01T | 2.03T | 3.93T | 1.1T | 1.53T | 1.01T | 603.64B | 460.85B | 310.86B | 750.4B |
| Other Liabilities | 55.32T | 316.13T | 11.55T | 17.46T | 15T | 8.69T | 5.93T | 7.66T | 6.84T | 6.19T | 5.75T | 7.07T | 4.51T | 3.34T | 1.1T | -18.17T | 1.33T | -628.7B | 646.44B | 558.64B | -567.15B | 3.24T | 1.71T | 694.79B | 610.32B | 537.59B | 431.77B | 488.76B | 615.26B |
| Total Current Liabilities | 275.33T | 675.32B | 291.23T | 255.67T | 254.78T | 213.83T | 187.45T | 161.67T | 147.47T | 137.78T | 128.5T | 124.68T | 98.36T | 89.04T | 67.44T | 0 | 45.81T | 45.8T | 45.29T | 38.6T | 26.54T | 22.5T | 13.03T | 11.54T | 9.88T | 8.27T | 6.79T | 5.86T | 5.72T |
| Total Non-Current Liabilities | 76.2T | 337.72T | 36.4T | 48.21T | 58.04T | 42.1T | 40.01T | 45.61T | 45.95T | 41.7T | 45.28T | 47.88T | 33.9T | 29.29T | 18.87T | 0 | 14.26T | 8.93T | 10.24T | 8.26T | 4.25T | 4.88T | 2.26T | 1.5T | 1.39T | 977.22B | 901.57B | 1.21T | 1.67T |
| Total Liabilities | 351.53T | 338.4T | 327.63T | 303.88T | 312.82T | 255.93T | 227.45T | 207.28T | 193.42T | 179.48T | 173.78T | 172.56T | 132.26T | 118.33T | 86.31T | 76.47T | 60.08T | 54.73T | 55.53T | 46.86T | 30.79T | 27.39T | 15.29T | 13.03T | 11.26T | 9.24T | 7.7T | 7.07T | 7.39T |
| Total Equity | 37.62T | 40.95T | 44.58T | 39.05T | 40T | 33.93T | 28.12T | 28.81T | 26.66T | 24.43T | 22.48T | 20.41T | 17.37T | 12.64T | 11.61T | 9.07T | 8.02T | 7.14T | 6.25T | 5.29T | 3.7T | 3.43T | 2.13T | 1.68T | 1.34T | 1.03T | 906.04B | 765.92B | 887.12B |
| Equity Growth % | -8.5% | -8.15% | 14.17% | -2.37% | 17.9% | 20.67% | -2.4% | 8.07% | 9.11% | 8.69% | 10.14% | 17.51% | 37.35% | 8.93% | 28.02% | 13.08% | 12.31% | 14.19% | 18.15% | 43.19% | 7.82% | 61.21% | 26.73% | 25.65% | 29.68% | 13.64% | 18.29% | -13.66% | - |
| Equity / Assets (Capital Ratio) | 9.67% | 10.8% | 11.98% | 11.39% | 11.34% | 11.7% | 11% | 12.2% | 12.11% | 11.98% | 11.45% | 10.58% | 11.61% | 9.65% | 11.85% | 10.61% | 11.77% | 11.54% | 10.12% | 10.15% | 10.72% | 11.12% | 12.21% | 11.4% | 10.6% | 10.02% | 10.53% | 9.78% | 10.71% |
| Return on Equity (ROE) | 16.96% | 15.85% | 14.99% | 15.48% | 18.35% | 13.17% | 0.97% | 11.24% | 10.41% | 11.15% | 13.36% | 13.34% | 15.91% | 12.5% | 16.47% | 19.48% | 18.95% | 18.77% | 22.36% | 24.19% | 21.04% | 34.1% | 30.31% | 30.21% | 17.69% | 16.24% | -13.65% | -26.74% | -1.25% |
| Book Value per Share | 158520.79 | 171848.02 | 185414.94 | 162398.14 | 166339.90 | 564349.68 | 467698.26 | 479179.22 | 443409.42 | 406385.34 | 373904.36 | 339485.55 | 288891.24 | 237490.33 | 218015.00 | 184137.96 | 162832.54 | 144990.96 | 126971.44 | 111647.70 | 81239.00 | 75349.64 | 58974.02 | 45250.75 | 37045.34 | 28408.99 | 25137.41 | 49188.72 | 57029.50 |
| Tangible BV per Share | 148036.32 | 161212.52 | 144792.66 | 127091.60 | 122925.89 | 420810.14 | 342813.52 | 358853.64 | 323606.63 | 296071.66 | 262549.11 | 221505.95 | 212605.68 | 164357.86 | 207282.82 | 170330.66 | 147581.13 | 127611.97 | 106487.51 | 91031.49 | 80356.06 | 75349.64 | 58974.02 | 45250.75 | 37045.34 | 28408.99 | 25137.41 | 49188.72 | 57029.50 |
| Common Stock | 480.91B | 480.4B | 480.91B | 480.91B | 480.91B | 480.91B | 480.91B | 480.91B | 480.91B | 480.91B | 480.91B | 480.91B | 480.91B | 425.91B | 309.26B | 309.26B | 309.26B | 309.26B | 309.26B | 309.26B | 309.26B | 430.83B | 353.82B | 344.7B | 355.3B | 355.35B | 252.8B | 177.9B | 0 |
| Additional Paid-in Capital | 4.86T | 4.85T | 4.86T | 4.86T | 4.86T | 4.86T | 4.86T | 4.86T | 4.86T | 4.86T | 4.86T | 4.86T | 4.86T | 2.57T | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Retained Earnings | 4.89T | 7.19T | 31.56T | 8.63T | 3.28T | 3.27T | 3.91T | 4.7T | 3.91T | 3.57T | 6.38T | 5.85T | 5.67T | 4.73T | 10.4T | 7.64T | 6.83T | 5.95T | 5.27T | 4.45T | 3.06T | 2.71T | 1.58T | 1.17T | 776.5B | 594.53B | 463.09B | 398.88B | 600.95B |
| Accumulated OCI | 26.15T | 27.19T | 6.65T | 24.12T | 23.69T | 19.54T | 17.02T | 13.73T | 12.94T | 11.59T | 9.55T | 8.09T | 5.87T | 4.46T | 24.25B | 11.85B | 29.76B | 35.56B | 0 | 0 | 145.92B | 233.81B | 145.91B | 121.19B | 151.86B | 20.5B | 46.98B | 95.51B | 7.95B |
| Treasury Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 238.42B | 183.42B | 183.42B | 151.42B | 151.42B | 151.42B | 151.42B | 151.42B | 121.42B | 0 | 0 | 0 | 0 | 0 | 100.67B | 35.58B | 0 |
Macroeconomic credit quality deterioration
According to the bank's reported financial statements, total assets grew from $342.9T in 2023Q4 to $389.1T in 2026Q1, yet this expansion appears largely driven by securities accumulation rather than core loan book growth, suggesting a defensive posture in a tightening Colombian credit environment.
The shift toward a larger securities portfolio, which reached $299.0T in 2026Q1, indicates that management is prioritizing liquidity and interest-bearing assets over riskier loan originations. This trajectory suggests that the bank is attempting to insulate its balance sheet from the volatility of the domestic credit cycle.
Based on reported figures, the equity-to-assets ratio has remained compressed, hovering near 0.10 to 0.12 over the last ten quarters, which indicates that the bank maintains a relatively thin capital cushion relative to its total asset base in the current regulatory environment.
The consistent dividend outflows, such as the $4.3T distribution in 2025Q2, appear to limit the bank's ability to build organic capital buffers. Investors should monitor whether this capital allocation strategy leaves the bank sufficiently prepared for potential shocks to its asset quality.
As reported in recent financial filings, the bank's cash and bank balances have fluctuated significantly, ranging from $22.8T to $32.0T, while the substantial $299.0T investment securities portfolio serves as the primary liquidity engine for the institution's ongoing operations.
The reliance on a large securities portfolio suggests that the bank is managing its liquidity profile through market-based instruments rather than relying solely on core deposit stability. This strategy may expose the bank to mark-to-market volatility if interest rates in Colombia remain elevated for an extended period.
Based on the provided data, the bank's persistent 1.3% NIM despite significant fluctuations in the broader interest rate environment suggests a potential duration mismatch between its deposit base and its long-term securities holdings, warranting further investigation into the bank's interest rate risk exposure.
The lack of NIM expansion during periods of rising rates may indicate that the bank is forced to pass on higher funding costs to depositors to maintain its franchise. This dynamic suggests that the bank's profitability is structurally capped by the competitive landscape of the Colombian retail deposit market.
Quick answers to the most common questions about buying CIB stock.
As of 2025, Grupo Cibest S.A. (CIB) had total assets of $379.35T including $22.78T in current assets.
Grupo Cibest S.A. (CIB) carries total debt of $19.36T. Comparing total debt to cash helps evaluate the company's debt burden and net leverage.
Grupo Cibest S.A. (CIB) has total shareholders' equity (book value) of $39.71T ($171848.02 book value per share). Book value represents the net worth of the company belonging to common stock holders.
Grupo Cibest S.A. (CIB) reported a current ratio of 33.73x. A current ratio above 1.0x indicates that the company has more current assets than current liabilities, suggesting sufficient short-term liquidity.