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Buy Day today: Neutral (56) Mixed market breadth · no major macro event
CIB

Grupo Cibest S.A.

Financial Services · Banks - Regional · listed since 1995

95.00$ +0.8% vs. previous close Closing price · As of: Sep 25, 2026
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Price history

Chart

Interactive price chart (TradingView).

52-week range: 51.40 $ to 103.30 $ · Last price: 95.00 $ (As of: September 25, 2026)

Key figures

Key figures at a glance

Every figure we hold for this stock, grouped by topic. The question mark next to a label explains what the number means.

Basics

Market Cap ?The value of the entire company on the market: share price times total shares outstanding. 22.4$B
Shares Outstanding ?Total number of shares issued. Price times share count gives market cap. 109m
Float ?Share of stock freely tradable on the market — not locked up in the hands of founders, insiders, or major shareholders. –
Beta ?Volatility versus the overall market: 1 = moves like the market, 2 = twice as much, under 1 = calmer than the market. 0.4

Performance

Perf. 1M ?Price performance over the last month. 21.90%
Perf. 3M ?Price performance over the last 3 months. 52.40%
Perf. 6M ?Price performance over the last 6 months. 22.70%
YTD Performance (%) ?Price performance since the start of the year (Year to Date). 54.08%
52-Week-High Distance ?How far the price sits below its highest point over the last 52 weeks. 0% means the stock is at its year high. 0.0%
Perf. 1Y ?Price performance over the last 12 months. 88.97%
Perf. 3Y ?Price performance over the last 3 years. 437.12%
Perf. 5Y ?Price performance over the last 5 years. 437.03%
Perf. 10Y ?Price performance over the last 10 years. 436.03%
Perf. Since Inception ?Price performance since the first available trading day (07/26/1995) — with a complete history, that is since the IPO. 3,408.08%

Technical Indicators

MA 38 Days ?Moving average of the last 38 trading days: the smoothed price path. A price above it signals short-term strength. 97.40$
MA 50 Days ?Moving average of the last 50 trading days — the most widely watched medium-term trend line. 94.70$
MA 200 Days ?Moving average of the last 200 trading days — the dividing line between a long-term uptrend and downtrend. 78.00$
RSI (14) ?Relative Strength Index over 14 days, scale 0 to 100: above 70 counts as overbought, below 30 as oversold. A hint on timing, not a verdict on the company. 41.7
Volatility 30 Days ?Price swings over the last 30 trading days, annualized. The higher the value, the more the price fluctuates. 26.3%
Volatility 250 Days ?Price swings over the last 250 trading days (roughly one market year), annualized. 34.0%

Calculated from the price history · as of 09/25/2026

Valuation

P/E ?Price-to-earnings ratio: how many years of profit does the stock cost? The lower, the cheaper the valuation. No earnings means no P/E. 9.4
Forward P/E ?P/E based on expected earnings for the next 12 months instead of past earnings — analysts' bet on the future. 7.2
PEG ?P/E divided by expected earnings growth: puts valuation in relation to growth. Around 1 is considered fair, well above that is pricey. 0.4
P/B ?Price-to-book ratio: market value relative to book equity. 1.8
P/S ?Price-to-sales ratio: market value divided by annual sales. Important for companies that aren't (yet) profitable. 1.7
EV/EBITDA ?Enterprise value including debt (EV) relative to operating profit before depreciation and amortization (EBITDA) — more comparable than P/E because debt counts too. Extreme values arise when EBITDA is near zero. 0.0
Price/FCF ?Market value divided by free cash flow: how many years of freely available cash does the stock cost? More honest than P/E because cash flow is harder to dress up. 7.2

Profitability

Gross Margin ?Gross margin: what's left of sales after only direct production costs are deducted — the product's pricing power. 95.5%
EBIT Margin ?EBIT margin: operating profit as a percentage of sales — the earning power of the core business before interest and taxes. 0.0%
Net Margin ?Net margin: what's left of sales as profit after ALL costs, interest, and taxes. 17.6%
Return on Equity ?Return on equity: how much profit does the company generate per year on shareholders' equity? 16.9%
Return on Assets ?Return on assets: how much profit the company generates from its total assets (equity and debt combined). 2.1%

Balance Sheet & Safety

Equity Ratio ?Equity ratio: equity as a share of total assets. The higher, the more resilient the balance sheet. 10.5%
Debt/Equity ?Leverage ratio: financial debt divided by equity. Under 1 is generally seen as solid; negative values mean negative equity. 0.4
Altman Z″ ?Edward Altman's bankruptcy early-warning score. We use the Z″ variant, built from four balance-sheet ratios — it is designed for service companies and non-manufacturers and uses book value instead of market value. On that scale: below 1.1 = danger zone, 2.6 and up = safe zone, in between a grey area. Because the classic Altman Z is calculated differently, the two numbers are not directly comparable. The formula does not fit banks, insurers, or real-estate stocks. –
Piotroski ?Balance-sheet health check by Joseph Piotroski: 9 yes/no criteria on profit, cash flow, leverage, and efficiency. 7+ is very solid, under 3 is a red flag. very solid 8 out of 9

Growth

Sales Growth Last Quarter ?Sales growth in the most recently reported quarter versus the same quarter a year ago (YoY). 10.80%
EPS Growth Last Quarter ?Growth in earnings per share in the most recently reported quarter versus the same quarter a year ago (YoY). -15.00%
Sales Growth (Year) ?Sales growth in the last fiscal year versus the year before. 0.02%
Forward Sales Growth ?Sales growth analysts expect over the next 12 months — an estimate, not a guarantee. -80.95%
Forward EPS Growth ?Earnings-per-share growth analysts expect over the next 12 months — an estimate, not a guarantee. 32.40%

Dividend

This stock currently pays no dividend.

Quality & Screener

Stage ?Weinstein phases 1 through 4: 1 = basing, 2 = uptrend (the only buy phase), 3 = topping, 4 = downtrend. Measured against the 30-week line. –
RS Rating ?Relative strength from 1 to 99: an RS of 95 means the stock has outperformed 95% of all stocks. –
EPS Rating ?Earnings growth rating from 1 to 99 versus all stocks — high values mean above-average earnings growth. –
Fundamental Rating ?Our own Fundamental Rating: 0 to 100 points with an A+ to F grade. 50 points is the average across the universe, 100 the best possible score. It scores growth, earnings surprises, analyst estimates, margins, cash flow, and balance-sheet safety — every stock percentile-ranked against all others. Grades: A+ from 95, A from 75, B from 55, C from 45, D from 25, E from 5, F below. B (58 out of 100)

Highlighted are things our editorial team noticed: green = stands out as strong, red = deserves a closer look. No single metric is a verdict on its own — always read it in context.

Comparison

Industry comparison

The stock alongside the largest companies in the same group. The median row is the middle value of the companies shown above — not of the whole industry.

Industry: Banks - Regional

Industry comparison
Company Market cap ($B) P/E EV/EBITDA Gross Margin % EBIT Margin % Sales Growth (Year) % Perf. 1Y %
Grupo Cibest S.A. CIB 22.4 9.4 0.0 95.5 0.0 0.0 89.0
Mizuho Financial Group Inc. MFG 135.7 17.4 0.0 100.0 46.7 10.4 59.4
HDFC Bank Limited HDB 118.1 16.0 0.0 100.0 33.3 24.3 -30.5
ICICI Bank Limited IBN 100.0 17.3 0.0 100.0 38.5 6.0 -9.2
U.S. Bancorp USB 91.0 12.6 0.0 100.0 37.8 0.4 25.8
PNC Financial Services Group Inc PNC 89.8 13.3 0.0 100.0 36.7 -7.0 15.0
Itau Unibanco Banco Holding SA ITUB 89.3 9.8 0.0 100.0 39.1 18.0 23.4
Deutsche Bank AG DB 68.8 9.6 0.0 100.0 33.4 -8.3 5.6
Nu Holdings Ltd NU 66.3 21.4 0.0 100.0 48.2 43.0 -15.3
Median of companies shown 89.8 13.3 0.0 100.0 37.8 6.0 15.0

Based on the most recently reported figures. Only stocks from the same trading venue are lined up, so the market caps are counted in one currency. Compare in a chart →

Fiscal years

Annual Figures

Fiscal years from the audited annual reports, oldest first. EBIT is the operating profit before interest and taxes; total assets are everything the company owns.

Revenue, operating income and net income per fiscal year COP m

Revenue Operating income Net income

2016 · Revenue: 19,572,812 COP m 2016 · Operating income: 3,968,282 COP m 2016 · Net income: 2,865,328 COP m 2017 · Revenue: 20,832,968 COP m 2017 · Operating income: 3,992,771 COP m 2017 · Net income: 2,615,000 COP m 2018 · Revenue: 20,152,785 COP m 2018 · Operating income: 3,615,870 COP m 2018 · Net income: 2,658,864 COP m 2019 · Revenue: 21,895,355 COP m 2019 · Operating income: 4,477,531 COP m 2019 · Net income: 3,117,351 COP m 2020 · Revenue: 21,580,766 COP m 2020 · Operating income: 308,773 COP m 2020 · Net income: 275,994 COP m 2021 · Revenue: 21,688,603 COP m 2021 · Operating income: 5,984,012 COP m 2021 · Net income: 4,086,795 COP m 2022 · Revenue: 32,685,414 COP m 2022 · Operating income: 9,744,786 COP m 2022 · Net income: 6,783,490 COP m 2023 · Revenue: 45,177,853 COP m 2023 · Operating income: 8,147,526 COP m 2023 · Net income: 6,116,936 COP m 2024 · Revenue: 42,909,472 COP m 2024 · Operating income: 8,757,917 COP m 2024 · Net income: 6,267,744 COP m 2025 · Revenue: 42,917,412 COP m 2025 · Operating income: 8,924,911 COP m 2025 · Net income: 6,776,994 COP m
2016201720182019202020212022202320242025
Annual Figures
Fiscal Year Revenue (COP m) EBIT (COP m) Net Income (COP m) EPS (COP) Operating Cash Flow (COP m) Equity (COP m) Total Assets (COP m)
2016 19,572,812 3,968,282 2,865,328 47,664.71 3,601,418 21,267,583 196,261,044
2017 20,832,968 3,992,771 2,615,000 43,500.50 2,939,588 23,112,964 203,908,211
2018 20,152,785 3,615,870 2,658,864 44,230.18 1,042,858 24,848,920 220,076,482
2019 21,895,355 4,477,531 3,117,351 12,964.41 12,315,612 28,805,619 236,088,113
2020 21,580,766 308,773 275,994 1,147.79 11,230,345 28,115,213 255,568,505
2021 21,688,603 5,984,012 4,086,795 16,995.97 6,095,305 33,925,458 289,855,048
2022 32,685,414 9,744,786 6,783,490 28,210.85 6,564,226 39,997,551 352,814,733
2023 45,177,853 8,147,526 6,116,936 25,438.82 19,153,084 39,049,729 342,928,809
2024 42,909,472 8,757,917 6,267,744 26,065.99 435,895 43,542,468 372,215,382
2025 42,917,412 8,924,911 6,776,994 28,438.56 12,258,945 39,712,222 379,347,257

Quarters

Quarterly Figures

Each bar is one quarter, the last one is the most recent. Use the switch to step through the individual figures.

Revenue & Profit

Cash Flow

Balance Sheet

Margins

Per Share

Click the chart or tab into it, then use ← and → to step through the periods.

None of the selected stocks reports this metric. Pick another metric or switch between annual and quarterly.

These companies report in different currencies — switch on “Indexed” or pick a margin for a fair comparison.

The figures could not be loaded right now.

Sales Per Quarter (COP m)
2024: Q2 · 10,765,718.0 COP m Q2 2024: Q3 · 10,690,703.0 COP m Q3 2024: Q4 · 11,007,635.0 COP m Q4 2025: Q1 · 10,286,636.0 COP m Q1 2025: Q2 · 10,529,446.0 COP m Q2 2025: Q3 · 10,657,803.0 COP m Q3 2025: Q4 · 11,689,172.6 COP m Q4 2026: Q1 · 10,463,107.0 COP m Q1

Source: fundamental data

Quarterly Figures
Quarter EPS (Earnings Per Share) EPS YoY (%) Sales (COP m) Sales YoY (%) Net Margin (%) OCF (COP m) FCF (COP m)
2024: Q2 1.44 -0.70 10,765,718 -4.30 13.40 5,294,801 4,765,129
2024: Q3 1.52 -0.70 10,690,703 -2.90 14.00 -4,590,732 -4,922,651
2024: Q4 1.57 -0.60 11,007,635 -4.30 15.10 11,138,464 10,206,770
2025: Q1 1.74 -3.30 10,286,636 -4.50 16.90 432,851 151,545
2025: Q2 1.79 24.30 10,529,446 -2.20 17.00 6,258,479 5,802,138
2025: Q3 2.18 43.40 10,657,803 -0.30 20.10 -1,348,890 -1,870,838
2025: Q4 1.77 12.70 11,689,173 6.20 13.50 6,916,505 5,931,878
2026: Q1 1.68 -3.40 10,463,107 1.70 13.90 721,371 368,408

What Do These Terms Mean?

EPS (Earnings Per Share):
Quarterly profit divided by the total share count — how much of the profit works out to a single share.
YoY (Year over Year):
Change versus the same quarter a year ago — this is how you compare without seasonal distortion (e.g. the holiday shopping season).
Sales:
All revenue for the quarter, before any costs are deducted — the top line of the income statement.
Net Margin:
What percentage of sales is left over as profit in the end. Negative means the company is posting a loss.
OCF (Operating Cash Flow):
The cash that actually flows into the till from the core business during the quarter — harder to dress up than book profit.
FCF (Free Cash Flow):
Operating cash flow minus capital expenditures — the money that's genuinely free to use, say for paying down debt, buybacks, or dividends.

Compare with other stocks →

Screening

Appears in These Scanners

This stock currently matches 2 of our scanner strategies — each hit links to the scanner.

Quality & Balance Sheet

Value & GARP

Only genuine hits from verified scanners count; pure ranking metrics (P/E, P/S, and similar, which just sort the whole universe) don't count as a hit. View all scanners

Outlook

Analysts & Price Target

Combined picture of the price targets and recommendations of every analyst covering the stock. Price targets are expectations for the next 12 months, not promises — and they often follow the price rather than predict it.

Consensus Hold 1 = Strong buy … 5 = Strong sell
Analyst Ratings 9
Price Target (average) 83.08$
Distance to price -12.5% The price target sits 12.5% below the current price.

Distribution of Recommendations

Strong Buy 0
Buy 1
Hold 6
Sell 2
Strong Sell 0

Estimates by Fiscal Year

Estimates by Fiscal Year
Fiscal Year EPS Estimate (COP) EPS Range (COP) Revenue Estimate (COP m) Expected Growth Analysts
12/31/2026 10.68 9.07 – 12.87 31,217,810 32.6% 5
12/31/2027 11.58 9.84 – 13.21 33,395,777 8.5% 5

Average of the analyst estimates for the coming fiscal years. The range shows how far the most optimistic and the most cautious estimate sit apart — the wider it is, the less certain the expectation.

AI classification

AI Rating

Not yet rated — we only show a category once an SEC-backed file with at least two cited passages is available.

How the Rating Is Built

Growth

Growth Score

Ten checks against the annual reports — each one passed counts a point.

5 of 10 Solid growth
  • Revenue grows by more than 15% a year over three years 9.5%
  • More than 10% revenue growth is expected for the coming year -81.0%
  • Share count grows by less than 3% a year -0.3%
  • Revenue growth plus cash-flow margin add up to at least 40 ("Rule of 40") 23.4%
  • Gross margin at 40% or higher and without meaningful erosion 61.1%
  • Goodwill from acquisitions does not grow faster than revenue 0.5%
  • Net debt below twice EBITDA 3,421,196 m net cash
  • Operating cash flow covers the profits of the last three years 12,686,250 m
  • Return on capital at 15% or higher, or up versus two years ago 2.4%
  • Insiders hold at least 10% or are net buyers 0.0%

A criterion without figures counts neither as passed nor as failed; a score is only produced from 7 judgeable criteria upwards. Source: fundamental data. All ten criteria in detail

Quality check

AAQS

5/10

The AAQS (AlleAktien Quality Score) checks 10 quality criteria on growth, profitability, and balance-sheet strength — per the methodology developed and published by AlleAktien, calculated by us from our own fundamental data. A stock counts as a quality stock from 9 out of 10 points. Where a company has a shorter listing history, we calculate over the fiscal years available (at least five).

  • Sales growth 10Y > 5% 9.1%
  • Exp. sales growth 3Y > 5% -11.8%
  • EBIT growth 10Y > 5% 9.4%
  • Exp. EBIT growth 3Y > 5% -98.0%
  • Net debt < 4x EBIT -0.4x
  • EBIT positive, 10Y straight 10
  • Max. EBIT decline < 50% 93.1%
  • Return on equity > 15% 19.2%
  • ROCE > 15% 2.4%
  • Expected return > 10% -97.7%

View stocks with the full AAQS score · Read the methodology at AlleAktien

Source: fundamental data

The company

About the Company

Grupo Cibest S.A. bietet zusammen mit seinen Tochtergesellschaften verschiedene Bankprodukte und -dienstleistungen in Kolumbien und international an. Das Unternehmen bietet Einlagenprodukte, einschließlich Giro- und Sparkonten, Festgeldeinlagen sowie Anlageprodukte; Kreditlösungen wie Handelsfinanzierung, Betriebsmittelkredite, Hypotheken, Kreditkarten, Privat-, Fahrzeug-, Gehalts- und Kleinunternehmenskredite sowie Überziehungskredite; und Factoring. Es bietet zudem Finanz- und Operating-Leasing; Kapitalmarktdienste wie Absicherungsinstrumente; sowie Handelsdienste, einschließlich Interbankenkredite, Pensionsgeschäfte, Devisentransaktionen und den Handel mit Staats- und Unternehmensanleihen, Maklergeschäft und Anlageberatung, Zugang zu lokalen und internationalen Kapitalmärkten sowie Vermögensverwaltung für Dritte, ferner Cash-Management, Lösungen für Verbindlichkeiten und Forderungen, Echtzeit-Webdienste sowie SWIFT-Net-Lösungen. Darüber hinaus bietet es Fremdwährungsanlage- und Handelsfinanzierungslösungen wie Akkreditive und Wechselinkasso; Bancassurance und Versicherung; und Investmentbanking-Dienste, einschließlich Projektfinanzierung, Akquisitionsfinanzierung, Großkredite für Unternehmen, Kreditsyndizierung, Fremd- und Eigenkapitalmärkte, Eigeninvestments, Fusionen und Übernahmen sowie Beratung zu Absicherungsstrategien und Restrukturierungen. Ferner bietet es Trust- und Treuhanddienste, Treuhandkonten, Investmentfonds und Immobilienfonds sowie die digitale Plattform Nequi an. Zusätzlich bietet es Pannenhilfe- und medizinische Assistenzdienste sowie BRE-b, Innovationen bei Hypothekenkrediten, Zahlungen über Wompi, inflationsindexierte Nachhaltigkeitskredite sowie Salud para ti. Es bedient physische Filialen, mobile Filialen, Geldautomaten, Online-, Computer-, Telefon- und Mobile-Banking, Bankkorrespondenten, Kioske sowie direkte Geschäftsanbindungen. Das Unternehmen hieß zuvor Bancolombia S.A. und änderte seinen Namen im Mai 2025 in Grupo Cibest S.A. Das Unternehmen wurde 1875 gegründet und hat seinen Sitz in Medellín, Kolumbien.

Employees
31,568
Headquarters
Medellín, Colombia
Address
Carrera 48 # 26-85, Medellín, Colombia
Phone
57 604 4041918
IPO Date
07/26/1995
ISIN
US40090E1064

Management

Management
Name Title Birth Year
Juan Carlos Mora Uribe President & CEO 1965
Mauricio Botero Wolff VP of Strategy & Finance and CFO 1978
Catalina Tobon Rivera Investor Relations Director –
Claudia Echavarría Uribe VP of Corporate Governance, General Counsel & General Secretary 1979
Rodrigo Prieto Uribe Chief Risks Officer & VP of Risk 1973
Andres Vasquez Echeverri President of Nequi –
Laura Clavijo Chief Economist –
Juan Manuel Hernandez President of Investment Banking Bancolombia –
Jose Mauricio Rodriguez Rios Vice President of Internal Audit 1972

Executives per the latest required filings; titles kept in their original language. Source: fundamental data.

Data as of: September 25, 2026 · Source: fundamental data & SEC filings (annual and quarterly reports, 10-K/10-Q)

Note: pure fact-based analysis, not investment advice and not a solicitation to buy or sell. All figures without guarantee.

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