Symbols / CIB Stock $65.15 -2.53% Grupo Cibest S.A.

Financial Services • Banks - Regional • Colombia • NYQ
CIB (Stock) Chart
O: — H: — L: — C: — V: —
SMA 20: — SMA 50: — SMA 200: —
Stock Fundamentals
Scroll to Statements
Index EQUITY
Sector Financial Services
Industry Banks - Regional
CEO Mr. Juan Carlos Mora Uribe
Exch · Country NYQ · Colombia
Market Cap 15.46B
Enterprise Value —
Income —
Sales —
FCF (ttm) —
Book/sh 44,394.48
Cash/sh —
Employees 33,588
Insider 10d —
IPO Jul 26, 1995
Div forward ($/yr)
Div TTM ($/yr)
Dividend Yield
Ex-Div Date
5Y Avg Yield
Yield vs 5Y Avg
Payout 16.29%
P/E 8.82
Forward P/E 7.30
PEG 0.43
P/S —
P/B 0.00
P/C —
EV/EBITDA —
EV/Sales —
Quick Ratio —
Current Ratio —
Debt/Eq —
LT Debt/Eq —
EPS (ttm) 7.39
EPS next Y 8.93
EPS Growth -15.00%
Revenue Growth 4.30%
EPS Gr Q/Q -16.10%
Rev Gr Q/Q —
Earnings (next) 2026-05-04
Earnings (prior) 2026-05-04
ROA 1.76%
ROE 16.69%
ROIC —
Gross Margin 0.00%
Oper. Margin 0.00%
Profit Margin 14.90%
Shs Outstand 109.99M
Shs Float 591.88M
Insider Own 0.00%
Instit Own 21.83%
Short Float 0.84%
Short Ratio 1.88
Short Interest 695.14K
52W High 86.31
vs 52W High -24.52%
52W Low 40.26
vs 52W Low 61.82%
Beta 0.49
Impl. Vol. 0.39%
Rel Volume 0.58
Avg Volume 434.66K
Volume 250.13K
Target (mean) $63.12
Tgt Median $65.00
Tgt Low $28.60
Tgt High $77.00
# Analysts 11
Recom Hold
Prev Close $66.84
Price $65.15
Change -2.53%
About

Grupo Cibest S.A., together with its subsidiaries, provides various banking products and services in Colombia and internationally. It offers deposit products, including checking and savings accounts, fixed-term deposits, and investment products; credit alternatives solutions such as trade financing, working capital loans, mortgages, credit cards, personal, vehicle, payroll, and small business loans, and overdrafts; and factoring. It also provides financial and operating leases; capital markets, such as hedging instruments; trading, including interbank lending, repurchase agreements, foreign exchange transactions, and sovereign and corporate securities trading, brokerage and investment advisory services, access to local and international capital markets, and third-party asset management, as well as cash management, payables and receivables solutions, real-time web services, and SWIFT Net solutions. In addition, it provides foreign currency investment and trade finance solutions such as letters of credit and bills collection; bancassurance and insurance; and investment banking services include project finance, acquisition finance, large corporate loans, loan syndication, debt and equity capital markets, principal investments, mergers and acquisitions, and advisory on hedging strategies and restructurings. Further, it offers trust and fiduciary services, escrow accounts, investment funds, and real estate funds; and Nequi digital platform. Additionally, it provides roadside and medical assistance services; and BRE-b, mortgage lending innovations, payments through wompi, inflation-indexed sustainability loans, and Salud para ti. It serves physical branches, mobile branches, ATMs, online, computer, telephone, and mobile banking, banking correspondents, kiosks, and direct business connections. The company was formerly known as Bancolombia S.A. and changed its name to Grupo Cibest S.A. in May 2025. The company was founded in 1875 and is based in Medellín, Colombia.

Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
$63.12
Mean price target
2. Current target
$65.15
Latest analyst target
3. DCF / Fair value
$110.85
Fallback: EPS × 15 (assumed fair P/E). No FCF data; use with …
Ratings
Current target
$65.15
Low
$28.60
High
$77.00
Mean
$63.12

Latest analyst rating changes

Date Action Analyst Rating Change Price Target
2026-04-23 main UBS Neutral → Neutral $72
2026-02-26 down Itau BBA Market Perform → Underperform $68
2026-02-25 main Goldman Sachs Neutral → Neutral $76
2026-01-22 down Citigroup Buy → Neutral —
2026-01-13 up Goldman Sachs Sell → Neutral $69
2025-11-21 main JP Morgan Neutral → Neutral $65
2025-09-11 down B of A Securities Neutral → Underperform —
2025-08-07 up B of A Securities Underperform → Neutral $49
2025-06-02 main UBS Neutral → Neutral $38
2025-02-24 main Goldman Sachs Sell → Sell $35
2025-01-28 up Morgan Stanley Equal-Weight → Overweight $53
2024-08-29 down B of A Securities Neutral → Underperform $34
2024-08-20 down Goldman Sachs Neutral → Sell $32
2024-08-12 main JP Morgan Underweight → Underweight $35
2024-07-10 main JP Morgan Underweight → Underweight $36
2024-04-16 main JP Morgan Underweight → Underweight $35
2023-10-16 init Jefferies — → Hold $29
2023-09-21 down Goldman Sachs Buy → Neutral $31
2023-08-30 down Itau BBA Outperform → Market Perform $33
2023-08-11 main Goldman Sachs Buy → Buy $35
Insider Transactions

No recent insider transactions.

Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Revenue
27,494,931.00
+5.02%
26,179,776.00
-1.57%
26,598,242.00
+9.72%
24,242,944.00
Operating Revenue
27,494,931.00
+5.02%
26,179,776.00
-1.57%
26,598,242.00
+9.72%
24,242,944.00
Selling General And Administration
10,245,648.00
+10.23%
9,294,695.00
+7.29%
8,662,956.00
+5.53%
8,209,122.00
Selling And Marketing Expense
180,449.00
+11.35%
162,057.00
+2.78%
157,681.00
-14.82%
185,122.00
General And Administrative Expense
10,065,199.00
+10.21%
9,132,638.00
+7.38%
8,505,275.00
+6.00%
8,024,000.00
Salaries And Wages
5,760,122.00
+10.25%
5,224,723.00
+6.64%
4,899,283.00
+10.90%
4,417,656.00
Other Gand A
3,511,074.00
+10.89%
3,166,318.00
+10.49%
2,865,741.00
-2.71%
2,945,665.00
Reconciled Depreciation
1,055,991.00
+4.40%
1,011,455.00
-6.59%
1,082,838.00
+14.05%
949,448.00
Total Unusual Items
441,632.00
+637.32%
-82,192.00
-135.07%
234,384.00
-31.01%
339,721.00
Total Unusual Items Excluding Goodwill
441,632.00
+637.32%
-82,192.00
-135.07%
234,384.00
-31.01%
339,721.00
Special Income Charges
94,889.00
+124.69%
-384,346.00
-183.59%
-135,531.00
-98.21%
-68,378.00
Other Special Charges
-4,194.00
+47.26%
-7,952.00
+42.61%
-13,855.00
-102.77%
-6,833.00
Write Off
-79,187.00
-120.19%
392,298.00
+162.61%
149,386.00
+266.50%
40,760.00
Net Income
3,820,634.00
-39.04%
6,267,744.00
+2.47%
6,116,936.00
-9.83%
6,783,490.00
Pretax Income
9,759,305.00
+14.95%
8,490,248.00
+12.86%
7,522,671.00
-22.80%
9,744,786.00
Net Interest Income
17,990,194.00
+2.79%
17,501,143.00
-4.05%
18,240,199.00
+7.35%
16,991,777.00
Interest Expense
12,061,226.00
-11.88%
13,687,660.00
-11.29%
15,430,183.00
+82.77%
8,442,470.00
Interest Income
30,051,420.00
-3.65%
31,188,803.00
-7.37%
33,670,382.00
+32.38%
25,434,247.00
Gain On Sale Of Security
1,436,106.00
-13.77%
1,665,513.00
+203.25%
549,219.00
-59.70%
1,362,700.00
Gain On Sale Of Business
11,508.00
0.00
0.00
+100.00%
-34,451.00
Tax Provision
2,810,966.00
+18.12%
2,379,852.00
+30.74%
1,820,293.00
-33.77%
2,748,421.00
Tax Rate For Calcs
0.00
+3.25%
0.00
+15.84%
0.00
-14.19%
0.00
Tax Effect Of Unusual Items
127,808.30
+654.75%
-23,038.76
-140.62%
56,714.90
-40.80%
95,801.32
Net Income Including Noncontrolling Interests
3,941,699.00
-38.08%
6,365,581.00
+2.42%
6,214,971.00
-11.17%
6,996,365.00
Net Income From Continuing Operation Net Minority Interest
6,827,274.00
+13.55%
6,012,559.00
+7.28%
5,604,343.00
-17.38%
6,783,490.00
Net Income From Continuing And Discontinued Operation
3,820,634.00
-39.04%
6,267,744.00
+2.47%
6,116,936.00
-9.83%
6,783,490.00
Net Income Continuous Operations
6,948,339.00
+13.71%
6,110,396.00
+7.16%
5,702,378.00
-18.50%
6,996,365.00
Net Income Discontinuous Operations
-3,006,640.00
-1278.22%
255,185.00
-50.22%
512,593.00
—
Minority Interests
-121,065.00
-23.74%
-97,837.00
+0.20%
-98,035.00
+53.95%
-212,875.00
Normalized Income
6,513,450.30
+7.28%
6,071,712.24
+11.89%
5,426,673.90
-17.02%
6,539,570.32
Net Income Common Stockholders
2,060,871.00
-38.52%
3,352,068.00
+2.44%
3,272,149.00
-51.76%
6,783,490.00
Otherunder Preferred Stock Dividend
-215,059.00
-115.64%
1,374,673.00
+5.44%
1,303,784.00
—
Diluted EPS
16,180.00
-37.93%
26,065.99
+2.47%
25,438.82
-9.83%
28,210.85
Basic EPS
16,180.00
-37.93%
26,065.99
+2.47%
25,438.82
-9.83%
28,210.85
Basic Average Shares
127.37
-47.03%
240.46
+0.00%
240.46
+0.00%
240.46
Diluted Average Shares
127.37
-47.03%
240.46
+0.00%
240.46
+0.00%
240.46
Diluted NI Availto Com Stockholders
2,060,871.00
-38.52%
3,352,068.00
+2.44%
3,272,149.00
-51.76%
6,783,490.00
Amortization
192,307.00
+33.07%
144,517.00
-22.54%
186,562.00
+6.01%
175,991.00
Amortization Of Intangibles Income Statement
192,307.00
+33.07%
144,517.00
-22.54%
186,562.00
+6.01%
175,991.00
Depreciation Amortization Depletion Income Statement
977,621.00
+7.27%
911,385.00
-6.61%
975,933.00
+2.79%
949,448.00
Depreciation And Amortization In Income Statement
977,621.00
+7.27%
911,385.00
-6.61%
975,933.00
+2.79%
949,448.00
Depreciation Income Statement
785,314.00
+2.41%
766,868.00
-2.85%
789,371.00
+2.06%
773,457.00
Insurance And Claims
766,192.00
+5.65%
725,238.00
-0.56%
729,325.00
+13.82%
640,753.00
Occupancy And Equipment
1,101,564.00
+15.19%
956,315.00
+13.56%
842,105.00
+11.12%
757,861.00
Other Non Interest Expense
1,481,323.00
+5.65%
1,402,064.00
+0.64%
1,393,216.00
+49.89%
929,512.00
Preferred Stock Dividends
1,974,822.00
+28.15%
1,541,003.00
+0.00%
1,541,003.00
-51.20%
3,158,112.00
Professional Expense And Contract Services Expense
12,270.00
+40.45%
8,736.00
-5.14%
9,209.00
-12.90%
10,573.00
Rent And Landing Fees
27,811.00
+70.00%
16,359.00
+49.73%
10,926.00
-45.17%
19,926.00
Rent Expense Supplemental
27,811.00
+70.00%
16,359.00
+49.73%
10,926.00
-45.17%
19,926.00
Line Item Trend 2025-12-31
Total Assets
379,752,380.00
Cash And Cash Equivalents
25,242,810.00
Cash Financial
8,036,577.00
Other Short Term Investments
2,658,002.00
Receivables
30,068,137.00
Accounts Receivable
643,348.00
Other Receivables
29,424,789.00
Prepaid Assets
1,445,241.00
Net PPE
6,901,660.00
Gross PPE
10,165,471.00
Accumulated Depreciation
-3,263,811.00
Land And Improvements
493,632.00
Buildings And Improvements
3,584,787.00
Machinery Furniture Equipment
2,040,679.00
Construction In Progress
10,875.00
Other Properties
4,027,964.00
Leases
7,534.00
Goodwill And Other Intangible Assets
2,537,180.00
Goodwill
1,947,325.00
Other Intangible Assets
589,855.00
Investments And Advances
37,628,765.00
Long Term Equity Investment
3,311,506.00
Total Liabilities Net Minority Interest
338,756,746.00
Payables And Accrued Expenses
7,115,373.00
Payables
6,670,115.00
Accounts Payable
1,943,318.00
Other Payable
4,000,570.00
Dividends Payable
24,775.00
Current Accrued Expenses
445,258.00
Employee Benefits
1,764,976.00
Total Tax Payable
701,452.00
Income Tax Payable
701,452.00
Current Debt And Capital Lease Obligation
26,260.00
Current Debt
—
Other Current Borrowings
—
Current Capital Lease Obligation
26,260.00
Long Term Debt And Capital Lease Obligation
18,064,900.00
Long Term Debt
16,766,121.00
Long Term Capital Lease Obligation
1,298,779.00
Long Term Provisions
382,655.00
Non Current Deferred Liabilities
4,662,517.00
Non Current Deferred Revenue
1,759,142.00
Non Current Deferred Taxes Liabilities
2,903,375.00
Preferred Securities Outside Stock Equity
583,477.00
Stockholders Equity
39,754,633.00
Common Stock Equity
39,754,633.00
Capital Stock
480,914.00
Common Stock
480,914.00
Share Issued
961.83
Ordinary Shares Number
953.21
Treasury Shares Number
8.61
Additional Paid In Capital
4,857,491.00
Retained Earnings
7,196,657.00
Gains Losses Not Affecting Retained Earnings
27,219,571.00
Minority Interest
1,241,001.00
Other Equity Adjustments
27,219,571.00
Total Equity Gross Minority Interest
40,995,634.00
Total Capitalization
56,520,754.00
Invested Capital
56,520,754.00
Total Debt
18,091,160.00
Net Debt
—
Capital Lease Obligations
1,325,039.00
Net Tangible Assets
37,217,453.00
Tangible Book Value
37,217,453.00
Available For Sale Securities
31,659,257.00
Cash Cash Equivalents And Federal Funds Sold
29,916,400.00
Derivative Product Liabilities
5,278,664.00
Other Equity Interest
—
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Operating Cash Flow
12,258,945.00
+2712.36%
435,895.00
-97.72%
19,153,084.00
+202.13%
6,339,438.00
Cash Flow From Continuing Operating Activities
12,258,945.00
+2712.36%
435,895.00
-97.72%
19,153,084.00
+202.13%
6,339,438.00
Net Income From Continuing Operations
3,941,699.00
-38.08%
6,365,581.00
+2.42%
6,214,971.00
-11.17%
6,996,365.00
Depreciation Amortization Depletion
1,055,991.00
+4.40%
1,011,455.00
-6.59%
1,082,838.00
+14.05%
949,448.00
Depreciation
—
841,315.00
—
773,457.00
Amortization Cash Flow
—
170,140.00
—
175,991.00
Depreciation And Amortization
1,055,991.00
+4.40%
1,011,455.00
-6.59%
1,082,838.00
+14.05%
949,448.00
Amortization Of Intangibles
—
170,140.00
—
175,991.00
Other Non Cash Items
-15,748,767.00
-2.98%
-15,293,384.00
+8.24%
-16,666,011.00
-12.12%
-14,865,097.00
Pension And Employee Benefit Expense
1,049,591.00
+29.32%
811,648.00
+10.44%
734,916.00
+14.75%
640,458.00
Asset Impairment Charge
3,395,777.00
+707.03%
420,773.00
+180.15%
150,196.00
+268.49%
40,760.00
Deferred Tax
2,886,653.00
+20.66%
2,392,336.00
+23.79%
1,932,555.00
-29.68%
2,748,421.00
Deferred Income Tax
2,886,653.00
+20.66%
2,392,336.00
+23.79%
1,932,555.00
-29.68%
2,748,421.00
Operating Gains Losses
-884,407.00
-787.67%
128,610.00
+142.84%
-300,223.00
-1.01%
-297,227.00
Unrealized Gain Loss On Investment Securities
-2,516,636.00
-5.91%
-2,376,109.00
-41.40%
-1,680,403.00
+5.93%
-1,786,416.00
Net Foreign Currency Exchange Gain Loss
-1,133,542.00
-468.41%
307,689.00
+225.12%
-245,915.00
-9.40%
-224,788.00
Change In Working Capital
-784,795.00
+94.46%
-14,176,968.00
-394.39%
4,815,748.00
+189.87%
-5,358,683.00
Change In Receivables
1,244,206.00
+274.49%
-713,069.00
-35.68%
-525,550.00
-202.04%
515,052.00
Changes In Account Receivables
1,244,206.00
+274.49%
-713,069.00
-35.68%
-525,550.00
-202.04%
515,052.00
Change In Payables And Accrued Expense
742,030.00
+186.35%
-859,352.00
-190.85%
945,923.00
-65.22%
2,719,586.00
Change In Payable
742,030.00
+186.35%
-859,352.00
-190.85%
945,923.00
-65.22%
2,719,586.00
Change In Account Payable
742,030.00
+186.35%
-859,352.00
-190.85%
945,923.00
-65.22%
2,719,586.00
Change In Other Working Capital
25,285,060.00
+165.22%
9,533,466.00
-40.03%
15,897,152.00
-46.80%
29,884,312.00
Change In Other Current Assets
-1,167,123.00
-230.27%
895,908.00
+177.78%
-1,151,822.00
-58.92%
-724,769.00
Change In Other Current Liabilities
417,929.00
+129.60%
-1,411,822.00
-788.72%
204,991.00
+228.93%
-158,989.00
Investing Cash Flow
-2,216,093.00
-296.30%
-559,196.00
-250.18%
-159,689.00
+96.57%
-4,654,502.00
Cash Flow From Continuing Investing Activities
-2,216,093.00
-296.30%
-559,196.00
-250.18%
-159,689.00
+96.57%
-4,654,502.00
Net PPE Purchase And Sale
-1,748,105.00
-7.37%
-1,628,064.00
+26.89%
-2,226,799.00
+28.56%
-3,117,126.00
Purchase Of PPE
-2,244,222.00
-9.90%
-2,042,094.00
+15.34%
-2,412,123.00
+31.84%
-3,538,855.00
Sale Of PPE
496,117.00
+19.83%
414,030.00
+123.41%
185,324.00
-56.06%
421,729.00
Capital Expenditure
-2,244,222.00
-9.90%
-2,042,094.00
+15.34%
-2,412,123.00
+31.84%
-3,538,855.00
Net Investment Purchase And Sale
-192,891.00
-115.16%
1,271,980.00
-47.41%
2,418,578.00
+607.16%
-476,890.00
Purchase Of Investment
-2,425,022.00
+10.11%
-2,697,725.00
+76.72%
-11,590,450.00
+1.22%
-11,733,180.00
Sale Of Investment
2,232,131.00
-43.77%
3,969,705.00
-71.66%
14,009,028.00
+24.46%
11,256,290.00
Net Business Purchase And Sale
—
0.00
0.00
+100.00%
-815,282.00
Purchase Of Business
—
0.00
0.00
+100.00%
-816,081.00
Gain Loss On Sale Of Business
-11,508.00
0.00
0.00
-100.00%
41,434.00
Net Other Investing Changes
-275,097.00
-35.44%
-203,112.00
+42.21%
-351,468.00
-43.34%
-245,204.00
Financing Cash Flow
-8,246,850.00
+10.79%
-9,244,376.00
-70.23%
-5,430,672.00
-736.33%
853,436.00
Cash Flow From Continuing Financing Activities
-8,246,850.00
+10.79%
-9,244,376.00
-70.23%
-5,430,672.00
-736.33%
853,436.00
Net Issuance Payments Of Debt
-2,634,713.00
+58.68%
-6,376,679.00
-166.13%
-2,396,090.00
-163.38%
3,780,781.00
Issuance Of Debt
9,995,495.00
-26.35%
13,571,992.00
+16.63%
11,636,761.00
-29.53%
16,512,235.00
Repayment Of Debt
-12,630,208.00
+36.69%
-19,948,671.00
-42.16%
-14,032,851.00
-10.22%
-12,731,454.00
Long Term Debt Issuance
9,995,495.00
-26.35%
13,571,992.00
+16.63%
11,636,761.00
-29.53%
16,512,235.00
Long Term Debt Payments
-12,630,208.00
+36.69%
-19,948,671.00
-42.16%
-14,032,851.00
-10.22%
-12,731,454.00
Net Long Term Debt Issuance
-2,634,713.00
+58.68%
-6,376,679.00
-166.13%
-2,396,090.00
-163.38%
3,780,781.00
Net Common Stock Issuance
-431,418.00
0.00
0.00
—
Common Stock Payments
-431,418.00
0.00
0.00
—
Common Stock Dividend Paid
-5,196,645.00
-52.90%
-3,398,756.00
-3.05%
-3,298,183.00
-42.74%
-2,310,666.00
Cash Dividends Paid
-5,196,645.00
-52.90%
-3,398,756.00
-3.05%
-3,298,183.00
-42.74%
-2,310,666.00
Repurchase Of Capital Stock
-431,418.00
0.00
0.00
—
Net Other Financing Charges
-18,086.00
+7.37%
-19,525.00
+52.66%
-41,245.00
-10.90%
-37,191.00
Changes In Cash
1,796,002.00
+119.17%
-9,367,677.00
-169.07%
13,562,723.00
+434.31%
2,538,372.00
Effect Of Exchange Rate Changes
-1,205,941.00
-149.99%
2,412,167.00
+144.60%
-5,408,405.00
-243.19%
3,777,073.00
Beginning Cash Position
32,844,099.00
-17.48%
39,799,609.00
+25.77%
31,645,291.00
+24.93%
25,329,846.00
End Cash Position
33,434,160.00
+1.80%
32,844,099.00
-17.48%
39,799,609.00
+25.77%
31,645,291.00
Free Cash Flow
10,014,723.00
+723.50%
-1,606,199.00
-109.59%
16,740,961.00
+497.77%
2,800,583.00
Dividend Received CFO
237,314.00
+6.27%
223,313.00
+43.45%
155,676.00
+90.08%
81,899.00
Earnings Losses From Equity Investments
-348,962.00
-56.79%
-222,572.00
-96.77%
-113,115.00
+48.37%
-219,105.00
Interest Paid CFO
-13,299,951.00
+11.23%
-14,982,367.00
+6.24%
-15,978,748.00
-112.82%
-7,508,066.00
Interest Received CFO
31,802,060.00
-4.28%
33,225,177.00
-4.26%
34,702,410.00
+47.02%
23,603,725.00
Sale Of Business
—
0.00
0.00
-100.00%
799.00
Taxes Refund Paid
-2,417,279.00
-23.65%
-1,954,871.00
+28.59%
-2,737,511.00
-33.06%
-2,057,388.00
SEC Filings

Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.

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