Grupo Cibest S.A.

Grupo Cibest S.A.

CIB · NYSE · Financial Services / Banks - Regional

89.51USD+0.87 (+0.98%)

Price History

Full chart

Market Stats

Previous Close88.64
Open88.59
Day Range87.74 – 90.49
52-Week Range48.21 – 105.60
Volume482.30K
Market Cap22.25B
P/E (TTM)9.60
Forward P/E7.21
EPS9.81
Dividend Yield4.18%
Beta0.42
50-Day Avg94.48
200-Day Avg77.79

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.

Company Details

  • SectorFinancial Services
  • IndustryBanks - Regional
  • CEOMr. Juan Carlos Mora Uribe
  • Employees31.57K
  • HeadquartersCarrera 48 # 26-85, Medellín, Colombia, USA
  • Websitehttps://www.grupocibest.com

Leadership

  • Mr. Juan Carlos Mora UribePresident & CEO · b. 1965
  • Mr. Mauricio Botero WolffVP of Strategy & Finance and CFO · b. 1978
  • Catalina Tobon RiveraInvestor Relations Director
  • Ms. Claudia Echavarría UribeVP of Corporate Governance, General Counsel & General Secretary · b. 1979
  • Mr. Rodrigo Prieto UribeChief Risks Officer & VP of Risk · b. 1973
  • Mr. Andres Vasquez EcheverriPresident of Nequi
  • Laura ClavijoChief Economist
  • Mr. Juan Manuel HernandezPresident of Investment Banking Bancolombia
  • Mr. Jose Mauricio Rodriguez RiosVice President of Internal Audit · b. 1972

Financials

Income Statement

Currency: COP1998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue1.79T1.49T1.28T1.60T1.70T2.05T2.56T4.16T4.15T4.29T8.18T8.31T6.99T8.20T10.15T10.74T12.25T14.83T19.57T20.83T20.15T21.90T21.58T21.69T32.69T45.18T42.91T42.92T
Growth (%)--16.88%-14.45%+25.40%+6.08%+21.13%+24.66%+62.51%-0.23%+3.20%+90.78%+1.69%-15.94%+17.40%+23.77%+5.80%+14.01%+21.10%+31.96%+6.44%-3.26%+8.65%-1.44%+0.50%+50.70%+38.22%-5.02%+0.02%
Cost of Revenue1.05T985.02B610.74B665.15B653.30B642.58B649.97B1.28T1.40T1.28B3.89T3.78T2.08T2.64T3.97T4.28T4.03T5.71T8.78T9.69T9.51T9.59T13.39T6.77T12.23T24.13T20.48T16.69T
Gross Profit742.45B505.62B664.43B933.94B1.04T1.41T1.91T2.88T2.76T4.29T4.29T4.54T4.90T5.57T6.19T6.46T8.21T9.12T10.79T11.14T10.64T12.30T8.19T14.92T20.45T21.05T22.43T26.22T
Gross Margin41.40%33.92%52.11%58.40%61.49%68.73%74.62%69.22%66.37%100.00%52.46%54.55%70.18%67.84%60.93%60.12%67.07%61.48%55.12%53.47%52.79%56.20%37.96%68.78%62.57%46.59%52.28%61.10%
Operating Expense-172.66B698.50B751.68B744.87B790.83B896.28B1.10T1.66T1.83T834.66B2.52T2.82T2.96T3.43T4.02T4.53T5.11T5.88T6.82T7.15T7.02T7.83T7.88T8.93T10.71T12.90T13.68T17.30T
Operating Income915.10B-192.88B-87.25B189.07B252.15B515.78B814.48B1.22T924.41B3.45T1.76T1.72T1.94T2.13T2.17T1.93T3.10T3.24T3.97T3.99T3.62T4.48T308.77B5.98T9.74T8.15T8.76T8.92T
Operating Margin51.03%-12.94%-6.84%11.82%14.86%25.10%31.80%29.42%22.26%80.52%21.58%20.67%27.83%26.01%21.36%17.99%25.35%21.82%20.27%19.17%17.94%20.45%1.43%27.59%29.81%18.03%20.41%20.80%
EBITDA89.03B-101.12B13.42B291.57B343.84B665.15B900.42B1.39T1.07T3.68T2.08T2.08T2.29T2.53T2.71T2.70T3.54T3.72T4.45T4.43T4.08T5.15T1.05T6.84T10.69T9.23T9.77T9.98T
EBITDA Margin4.96%-6.78%1.05%18.23%20.27%32.37%35.15%33.37%25.81%85.96%25.42%25.06%32.74%30.82%26.69%25.17%28.90%25.06%22.74%21.24%20.26%23.54%4.84%31.53%32.72%20.43%22.77%23.26%
Net Income-11.13B-220.97B-114.09B157.18B209.17B455.06B576.55B946.88B749.53B1.09T1.29T1.26T1.44T1.66T1.70T1.52T2.39T2.52T2.87T2.62T2.66T3.12T275.99B4.09T6.78T6.12T6.27T6.78T
Net Income Margin-0.62%-14.82%-8.95%9.83%12.33%22.15%22.51%22.75%18.05%25.36%15.79%15.12%20.55%20.28%16.76%14.10%19.49%16.98%14.64%12.55%13.19%14.24%1.28%18.84%20.75%13.54%14.61%15.79%
R&D----------------000000------
R&D as % of Total Revenue----------------0.00%0.00%0.00%0.00%0.00%0.00%------
Interest Expense917.33B754.68B458.61B528.47B467.05B465.85B583.59B1.15T1.25T2.00T2.75T2.63T1.57T2.04T2.89T3.12T3.16T4.04T6.05T6.23T5.67T6.18T5.86T4.35T8.44T16.67T15.02T12.39T
Interest Expense % of Total Revenue51.15%50.63%35.96%33.05%27.53%22.67%22.78%27.64%30.01%46.72%33.68%31.58%22.49%24.89%28.51%29.06%25.84%27.22%30.93%29.92%28.14%28.22%27.17%20.06%25.83%36.89%35.01%28.87%

Balance Sheet

Currency: COP1998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets8.28T7.83T8.60T10.27T12.60T14.71T17.41T30.81T34.49T52.15T61.78T61.86T68.10T85.46T97.92T130.98T149.63T192.97T196.26T203.91T220.08T236.09T255.57T289.86T352.81T342.93T372.22T379.35T
Total Liabilities7.39T7.07T7.70T9.24T11.26T13.03T15.29T27.39T30.79T46.86T55.53T54.73T60.08T76.47T86.31T118.33T132.26T172.56T173.78T179.48T193.42T207.28T227.45T255.93T312.82T303.88T327.63T338.40T
Total Equity829.89B707.87B865.77B970.39B1.28T1.64T2.08T3.38T3.65T5.29T6.12T7.03T7.95T8.99T11.61T12.18T16.87T19.28T21.27T23.11T24.85T28.81T28.12T33.93T40.00T39.05T43.54T39.71T
Cash751.99B664.79B720.36B712.98B851.00B1.40T1.24T1.73T2.01T5.23T5.62T7.37T6.16T6.92T7.30T13.32T12.16T15.68T17.82T17.28T17.80T18.26T20.19T23.15T24.72T31.96T27.12T22.78T
Total Debt1.80T1.03T930.65B1.04T1.79T2.33T1.65T5.58T6.85T7.70T12.16T10.90T12.93T17.77T17.38T26.17T30.27T40.39T39.53T36.71T38.94T35.71T32.15T32.82T41.17T33.75T29.91T19.36T
Net Debt1.05T363.30B210.29B330.30B939.83B926.39B405.88B3.85T4.84T2.47T6.54T3.52T6.77T10.95T10.08T12.85T18.11T24.71T21.71T19.42T21.14T17.46T11.96T8.32T16.45T1.79T2.79T-3.42T

Cash Flow

Currency: COP1998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow-405.41B58.05B13.42B371.30B547.28B-1.58T-989.21B-7.31T-5.76T-12.15T-7.13B5.72T-3.07T-3.94T1.80T5.27T-6.67T1.86T3.60T2.94T1.04T12.32T11.23T6.10T6.56T19.15T435.89B12.26T
Investing Cash Flow-3.38T-308.99B-791.95B-1.72T-2.32T-53.09B-547.16B-3.14T2.65T--1.60T-1.03T-1.09T-519.57B-594.31B-3.67T934.11B141.99B-1.03T-1.91T-1.38T-2.19T-7.52T-650.49B-4.65T-159.69B-559.20B-2.22T
Financing Cash Flow4.19T202.25B834.45B1.34T1.91T2.33T1.34T10.94T3.38T15.56T2.00T-2.82T3.05T5.90T-497.00B5.30T1.63T-231.47B-343.84B-3.62T-732.71B-5.26T-4.92T-6.81T853.44B-5.43T-9.24T-8.25T
Capital Expenditure399.05B76.78B093.39B143.27B288.78B31.45B589.21B230.99B590.57B765.65B456.46B1.15T1.40T1.23T1.89T774.98B961.83B1.08T1.13T1.01T1.56T1.53T2.19T3.54T2.41T2.04T2.24T
Free Cash Flow-804.45B-18.73B13.42B277.90B404.01B-1.87T-1.02T-7.90T-5.99T-12.74T-772.78B5.26T-4.21T-5.34T573.81B3.37T-7.44T894.90B2.52T1.81T28.77B10.76T9.70T3.91T3.03T16.74T-1.61T10.01T
Dividends Paid51.67B--20.50B48.71B72.71B153.88B216.91B353.11B403.16B447.49B491.60B501.69B526.77B583.42B632.00B713.68B785.33B840.24B1.13T735.80B1.03T1.56T467.22B2.31T3.30T3.40T5.20T
FCF to OCF198.43%-32.26%100.00%74.85%73.82%118.29%103.18%108.06%104.01%104.86%10833.94%92.02%137.45%135.64%31.87%64.02%111.62%48.20%69.94%61.49%2.76%87.37%86.37%64.14%46.09%87.41%-368.48%81.69%
Dividend Paid to FCF-6.42%--7.38%12.06%-3.89%-15.08%-2.74%-5.90%-3.16%-57.91%9.34%-11.90%-9.86%101.68%18.75%-9.59%87.76%33.36%62.31%2557.96%9.60%16.04%11.95%76.38%19.70%-211.60%51.89%

Earnings

Report DateJul 31, 1996Nov 4, 1996May 7, 1997Nov 15, 2001Feb 15, 2002May 15, 2002Aug 15, 2002Nov 15, 2002Aug 15, 2003Nov 15, 2003Feb 15, 2004Apr 12, 2005May 2, 2006Aug 2, 2006Nov 7, 2006Mar 1, 2007May 7, 2007Aug 7, 2007Nov 7, 2007Jan 29, 2008May 7, 2008Jul 11, 2008Oct 29, 2008Mar 2, 2009Apr 14, 2009Aug 3, 2009Nov 9, 2009Mar 1, 2010May 7, 2010Aug 4, 2010Nov 3, 2010Mar 7, 2011Apr 29, 2011Aug 4, 2011Nov 3, 2011Mar 5, 2012May 9, 2012Aug 2, 2012Nov 2, 2012Feb 1, 2013May 7, 2013Aug 5, 2013Nov 5, 2013Feb 3, 2014May 5, 2014Aug 5, 2014Nov 10, 2014Feb 17, 2015May 29, 2015Aug 13, 2015Nov 12, 2015Mar 9, 2016May 23, 2016Aug 18, 2016Nov 21, 2016Feb 21, 2017May 12, 2017Aug 8, 2017Oct 26, 2017Feb 21, 2018May 15, 2018Aug 1, 2018Nov 7, 2018Feb 21, 2019May 9, 2019Aug 5, 2019Nov 6, 2019Feb 20, 2020May 5, 2020Aug 5, 2020Nov 12, 2020Feb 24, 2021May 4, 2021Aug 10, 2021Nov 3, 2021Feb 22, 2022May 11, 2022Aug 9, 2022Nov 10, 2022Feb 23, 2023May 15, 2023Aug 9, 2023Nov 8, 2023Feb 20, 2024May 9, 2024Aug 8, 2024Nov 7, 2024Feb 19, 2025May 5, 2025Aug 7, 2025Nov 6, 2025Feb 23, 2026May 4, 2026Aug 10, 2026Nov 5, 2026
EPS Estimate0.300.310.290.080.130.090.120.060.160.210.270.430.560.250.410.560.610.660.710.770.640.770.790.760.790.680.780.720.690.850.920.971.011.031.141.141.130.890.941.061.231.021.061.081.071.101.060.980.841.060.970.840.680.980.950.970.940.950.960.880.930.900.850.980.950.980.921.020.760.520.370.170.240.540.770.771.151.321.521.441.581.391.421.381.451.481.421.391.601.661.801.961.882.142.87
EPS Actual0.180.270.390.160.060.120.100.140.300.290.360.380.500.090.420.700.490.510.860.680.700.950.850.670.770.600.850.920.900.771.061.140.951.101.121.321.170.931.131.271.260.510.801.191.181.080.850.851.051.100.710.870.531.020.881.010.880.890.641.260.780.840.761.281.091.211.050.600.34-0.080.30-0.300.611.281.031.511.921.781.481.421.581.451.531.581.801.441.521.571.741.792.181.771.683.32-
Surprise-40.00%-12.90%34.48%100.00%-53.85%33.33%-16.67%133.33%87.50%38.10%33.33%-11.63%-10.71%-64.00%2.44%25.00%-19.67%-22.73%21.13%-11.69%9.38%23.38%7.59%-11.84%-2.53%-11.76%8.97%27.78%30.43%-9.41%15.22%17.53%-5.94%6.80%-1.75%15.79%3.54%4.49%20.21%19.81%2.44%-50.00%-24.53%10.19%10.28%-1.82%-19.81%-13.27%25.00%3.77%-26.80%3.57%-22.06%4.08%-7.37%4.12%-6.38%-6.32%-33.33%43.18%-16.13%-6.67%-10.59%30.61%14.74%23.47%14.13%-41.18%-55.26%-115.38%-18.92%-276.47%154.17%137.04%33.77%96.10%66.96%34.85%-2.63%-1.39%0.00%4.32%7.75%14.49%24.14%-2.70%7.04%12.87%8.75%7.83%21.11%-9.58%-10.64%55.14%-
Timing-----------After-hoursPre-marketPre-marketPre-marketPre-market-After-hoursAfter-hoursAfter-hours-After-hoursPre-market-After-hoursAfter-hoursAfter-hours-After-hoursAfter-hoursAfter-hoursAfter-hours-Pre-marketAfter-hoursPre-market-Pre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursPre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursPre-marketAfter-hoursAfter-hoursPre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursPre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursPre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursPre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hours-After-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hours-After-hours-After-hoursAfter-hours-

Key Statistics & Ratios

Market Cap22.25B
Enterprise Value-18.30T
Trailing P/E9.60
Forward P/E7.21
PEG Ratio0.43
Price / Sales1.38
Price / Book1.99
EPS9.81
Book Value44,394.48
Revenue (TTM)24.71T
Gross Profit (TTM)23.59T
Profit Margin17.57%
Operating Margin0.00%
Return on Equity19.22%
Return on Assets2.13%
Shares Outstanding109.05M
Shares Float596.29M
Beta0.42
Dividend Yield4.18%
Dividend Rate4.00
Payout Ratio62.55%

Analyst Ratings

Hold
Based on 9 analystsTarget 83.08
  • Buy
    1
  • Hold
    6
  • Sell
    2

Ownership Breakdown

Institutions
21.17%
Insiders
0.00%
Retail / Other
78.83%

Top Institutional Holders

  • Earnest Partners LLC
    2.61M1.11%
  • Vanguard Capital Management, LLC
    2.15M0.91%
  • BlackRock Inc
    2.09M0.88%
  • Vanguard Fiduciary Trust Co
    954.68K0.40%
  • SEI Investments Co
    799.33K0.34%
  • JPMorgan Chase & Co
    692.91K0.29%
  • State Street Corp
    661.08K0.28%
  • Morgan Stanley - Brokerage Accounts
    630.13K0.27%
  • Two Sigma Investments LLC
    612.06K0.26%
  • Bank of America Corp
    516.83K0.22%
  • Amundi
    495.54K0.21%
  • Robeco Institutional Asset Management BV
    437.27K0.19%
  • Dimensional Fund Advisors, Inc.
    435.76K0.18%
  • William Blair Investment Management, LLC
    356.37K0.15%
  • Allspring Global Investments Holdings, LLC
    342.00K0.14%
  • The Goldman Sachs Group Inc
    338.25K0.14%
  • Banco BTG Pactual S.A.
    323.28K0.14%

Top Fund Holders

  • Vanguard Emerging Mkts Stock Idx Inv
    1.09M0.46%
  • Vanguard Total Intl Stock Index Inv
    667.29K0.28%
  • iShares Latin America 40 ETF
    655.75K0.28%

Dividends

20264×
1.44Sep 30, 20261.63Sep 8, 20261.30Jun 30, 20261.22Mar 31, 2026
20252×
0.57Apr 28, 20257.52Mar 31, 2025
20244×
0.80Dec 30, 20240.83Sep 27, 20241.75Jun 27, 20240.91Mar 28, 2024
20234×
0.88Dec 27, 20230.89Sep 28, 20230.85Jun 29, 20230.73Mar 30, 2023
20224×
0.65Dec 29, 20220.74Sep 28, 20220.82Jun 28, 20220.83Mar 31, 2022
20214×
0.07Dec 29, 20210.07Sep 28, 20210.07Jun 28, 20210.07Apr 1, 2021
20202×
0.32Dec 29, 20200.31Sep 28, 2020