NYSE : CIB
Grupo Cibest S.A. — Financial statements
Financials · Banks - Regional · Colombia
Last price 93.56 USD (Oct 29, 2026, 4:00 PM EDT) · Market cap 24.47B
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Financial statements
Income statement
Fiscal year January - December; amounts in COP.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Interest Income on Loans | 30.91T | 29.24T | 30.33T | 32.83T | 24.78T | 15.34T |
| Interest Income on Investments | 3.29T | 2.94T | 2.62T | 1.59T | 2.25T | 1.12T |
| Total Interest Income | 34.20T | 32.18T | 32.95T | 34.42T | 27.03T | 16.46T |
| Interest Paid on Deposits | 12.44T | 12.06T | 13.69T | 15.43T | 8.44T | 4.35T |
| Net Interest Income | 21.76T | 20.12T | 19.26T | 18.99T | 18.59T | 12.11T |
| Gain (Loss) on Sale of Assets | 251.98B | 236.96B | 101.90B | 172.39B | 171.48B | 227.44B |
| Other Non-Interest Income | 8.00T | 7.58T | 6.54T | 7.29T | 5.35T | 5.25T |
| Total Non-Interest Income | 8.25T | 7.82T | 6.64T | 7.46T | 5.52T | 5.47T |
| Revenues Before Loan Losses | 30.01T | 27.94T | 25.90T | 26.45T | 24.11T | 17.59T |
| Provision for Loan Losses | 4.52T | 4.44T | 4.96T | 7.21T | 3.72T | 2.52T |
| Revenue | 25.49T | 23.50T | 20.93T | 19.24T | 20.39T | 15.06T |
| Salaries and Employee Benefits | 5.99T | 5.76T | 5.22T | 4.90T | 4.42T | 3.78T |
| Occupancy Expenses | 1.03T | 1.02T | 988.49B | 1.01T | 977.04B | 920.56B |
| Selling, General & Administrative | 5.63T | 5.60T | 5.04T | 4.61T | 4.56T | 3.74T |
| Other Non-Interest Expense | 1.94T | 1.48T | 1.40T | 1.39T | 929.51B | 719.59B |
| Total Non-Interest Expense | 14.59T | 13.86T | 12.65T | 11.92T | 10.88T | 9.16T |
| EBT Excluding Unusual Items | 10.90T | 9.65T | 8.28T | 7.32T | 9.50T | 5.90T |
| Asset Writedown | 175.72B | 109.24B | 199.41B | 193.05B | 233.08B | 67.76B |
| Other Unusual Items | 6.05B | 4.19B | 7.95B | 13.86B | 6.83B | 15.68B |
| Pretax Income | 11.08T | 9.76T | 8.49T | 7.52T | 9.74T | 5.98T |
| Income Tax Expense | 3.22T | 2.81T | 2.38T | 1.82T | 2.75T | 1.78T |
| Earnings From Continuing Operations | 7.86T | 6.95T | 6.11T | 5.70T | 7.00T | 4.21T |
| Earnings From Discontinued Operations | -3.24T | -3.01T | 255.19B | 512.59B | ||
| Minority Interest in Earnings | -136.01B | -121.06B | -97.84B | -98.03B | -212.88B | -120.99B |
| Net Income | 4.48T | 3.82T | 6.27T | 6.12T | 6.78T | 4.09T |
| Net Income to Common | 4.48T | 3.82T | 6.27T | 6.12T | 6.78T | 4.09T |
| Basic Shares Outstanding | 944.66M | 953.21M | 961.83M | 961.83M | 961.79M | 961.83M |
| Diluted Shares Outstanding | 944.66M | 953.21M | 961.83M | 961.83M | 961.79M | 961.83M |
| EPS (Basic) | 4,741.51 | 4,008.16 | 6,516.50 | 6,359.71 | 7,053.00 | 4,248.99 |
| EPS (Diluted) | 4,741.51 | 4,008.16 | 6,516.50 | 6,359.71 | 7,053.00 | 4,248.99 |
| Dividend Per Share | 4.51K | 4.51K | 3.90K | 3.54K | 3.54K | 3.12K |
| Effective Tax Rate | 29.07% | 28.80% | 28.03% | 24.20% | 28.20% | 29.68% |
Balance sheet
Fiscal year January - December; amounts in COP.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | 21.37T | 16.48T | 19.62T | 20.71T | 19.17T | 14.72T |
| Investment Securities | 16.45T | 17.68T | 22.62T | 24.28T | 22.55T | 17.68T |
| Trading Asset Securities | 44.07T | 29.04T | 26.55T | 18.49T | 16.14T | 17.58T |
| Total Investments | 60.52T | 46.72T | 49.16T | 42.76T | 38.69T | 35.26T |
| Gross Loans | 262.27T | 272.58T | 296.20T | 273.19T | 287.16T | 230.24T |
| Allowance for Loan Losses | -13.48T | -13.25T | -16.18T | -16.22T | -15.48T | -15.86T |
| Other Adjustments to Gross Loans | -16.23T | -16.75T | -19.24T | -17.23T | -9.92T | |
| Net Loans | 248.79T | 243.10T | 263.27T | 237.73T | 254.44T | 204.46T |
| Property, Plant & Equipment | 6.56T | 6.74T | 7.66T | 8.16T | 8.55T | 6.80T |
| Goodwill | 1.95T | 9.02T | 7.82T | 9.84T | 8.14T | |
| Other Intangible Assets | 2.39T | 589.86B | 750.48B | 671.57B | 602.53B | 485.63B |
| Investments in Real Estate | 6.64T | 6.60T | 5.58T | 4.71T | 3.99T | 3.13T |
| Other Receivables | 2.35T | 1.98T | 2.20T | 2.32T | 1.89T | |
| Restricted Cash | 9.53T | 9.28T | 8.04T | 12.33T | 10.35T | 9.82T |
| Other Current Assets | 804.70B | 43.19T | 5.38T | 4.16T | 3.60T | 3.59T |
| Long-Term Deferred Tax Assets | 170.69B | 1.75T | 763.76B | 685.61B | 764.59B | 746.38B |
| Other Long-Term Assets | 6.30T | 1.01T | 1.00T | 992.54B | 484.72B | 822.62B |
| Total Assets | 363.08T | 379.75T | 372.22T | 342.93T | 352.81T | 289.86T |
| Accounts Payable | 5.61T | 5.94T | 5.39T | 6.40T | 2.33T | 1.44T |
| Accrued Expenses | 971.76B | 1.26T | 1.11T | 1.13T | 1.00T | 878.47B |
| Interest Bearing Deposits | 271.20T | 264.44T | 279.78T | 248.55T | 251.89T | 211.28T |
| Total Deposits | 271.20T | 264.44T | 279.78T | 248.55T | 251.89T | 211.28T |
| Short-Term Borrowings | 16.02T | 5.19T | 3.74T | 7.18T | 4.93T | 2.72T |
| Current Portion of Long-Term Debt | 2.68T | 8.35T | 4.69T | 9.73T | 2.55T | |
| Current Portion of Leases | 26.26B | 21.80B | 20.20B | 13.64B | 6.36B | |
| Current Income Taxes Payable | 1.91T | 701.45B | 156.16B | 164.34B | 965.18B | 261.65B |
| Other Current Liabilities | 3.50T | 34.92T | 1.35T | 2.22T | 1.80T | 794.34B |
| Long-Term Debt | 16.32T | 14.67T | 19.20T | 26.21T | 30.12T | 27.68T |
| Long-Term Leases | 1.37T | 1.30T | 1.87T | 1.75T | 1.89T | 1.81T |
| Long-Term Unearned Revenue | 69.15B | 72.27B | 174.10B | 277.63B | 153.79B | 132.14B |
| Pension & Post-Retirement Benefits | 893.35B | 947.61B | 951.55B | 882.95B | 765.37B | 838.24B |
| Long-Term Deferred Tax Liabilities | 1.47T | 2.90T | 2.58T | 1.79T | 633.36B | 1.02T |
| Other Long-Term Liabilities | 4.36T | 3.70T | 2.97T | 2.62T | 6.59T | 4.52T |
| Total Liabilities | 323.69T | 338.76T | 327.63T | 303.88T | 312.82T | 255.93T |
| Common Stock | 480.91B | 480.91B | 480.91B | 480.91B | 480.91B | 480.91B |
| Additional Paid-In Capital | 4.86T | 4.86T | 4.86T | 4.86T | 4.86T | 4.86T |
| Retained Earnings | 30.25T | 30.63T | 31.56T | 28.68T | 25.99T | 22.02T |
| Comprehensive Income & Other | 2.54T | 3.78T | 6.65T | 4.07T | 7.76T | 4.87T |
| Total Common Equity | 38.12T | 39.75T | 43.54T | 38.09T | 39.09T | 32.23T |
| Minority Interest | 1.27T | 1.24T | 1.04T | 960.22B | 908.65B | 1.69T |
| Shareholders' Equity | 39.40T | 41.00T | 44.58T | 39.05T | 40.00T | 33.93T |
| Total Liabilities & Equity | 363.08T | 379.75T | 372.22T | 342.93T | 352.81T | 289.86T |
| Total Debt | 33.71T | 23.87T | 33.18T | 39.85T | 46.68T | 34.77T |
| Net Cash (Debt) | 32.55T | 26.33T | 18.71T | 7.19T | -8.49T | -1.69T |
| Net Cash Per Share | 34,460.38 | 27,625.24 | 19,448.98 | 7,471.79 | -8,828.95 | -1,752.12 |
| Filing Date Shares Outstanding | 944.66M | 953.21M | 961.83M | 961.83M | 961.83M | 961.83M |
| Total Common Shares Outstanding | 944.66M | 953.21M | 961.83M | 961.83M | 961.83M | 961.83M |
| Book Value Per Share | 40,356.99 | 41,705.86 | 45,270.58 | 39,601.21 | 40,640.26 | 33,513.66 |
| Tangible Book Value | 35.73T | 37.22T | 33.77T | 29.60T | 28.65T | 23.61T |
| Tangible Book Value Per Share | 37,827.34 | 39,044.15 | 35,115.01 | 30,774.57 | 29,786.76 | 24,542.43 |
Cash flow statement
Fiscal year January - December; amounts in COP.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Net Income | 4.48T | 3.82T | 6.27T | 6.12T | 6.78T | 4.09T |
| Depreciation & Amortization | 948.22B | 977.62B | 911.38B | 975.93B | 949.45B | 855.17B |
| Gain (Loss) on Sale of Assets | -252.22B | -238.31B | -103.48B | -170.91B | -171.48B | -227.44B |
| Gain (Loss) on Sale of Investments | -2.93T | -2.58T | -2.39T | -1.75T | -1.74T | -788.33B |
| Total Asset Writedown | -133.31B | -71.10B | -122.31B | -156.31B | -205.49B | -2.37B |
| Provision for Credit Losses | 5.60T | 5.46T | 6.38T | 8.23T | 4.40T | 3.09T |
| Change in Trading Asset Securities | -11.84T | -3.00T | -8.40T | -1.99T | 6.32T | 1.83T |
| Change in Accounts Payable | 990.87B | 742.03B | -859.35B | 945.92B | 2.72T | 1.27T |
| Change in Other Net Operating Assets | -25.96T | -26.52T | -23.25T | -11.17T | -37.61T | -24.86T |
| Other Operating Activities | 1.59T | 2.48T | 3.76T | 1.10T | 1.90T | 2.25T |
| Net Cash from Discontinued Operations | 3.57T | 3.55T | 128.54B | 107.72B | ||
| Operating Cash Flow | -24.33T | -15.74T | -17.89T | 2.13T | -16.87T | -12.69T |
| Capital Expenditures | -2.39T | -2.24T | -2.04T | -2.41T | -3.54T | -2.19T |
| Sale of Property, Plant and Equipment | 494.85B | 496.12B | 414.03B | 185.32B | 421.73B | 553.65B |
| Cash Acquisitions | -815.28B | -9.18B | ||||
| Investment in Securities | -836.26B | -192.89B | 1.27T | 2.42T | -476.89B | 1.14T |
| Income (Loss) Equity Investments | -381.12B | -348.96B | -222.57B | -113.11B | -219.10B | -199.65B |
| Divestitures | 719.08B | |||||
| Other Investing Activities | -278.08B | -275.10B | -203.11B | -351.47B | -245.20B | -144.35B |
| Investing Cash Flow | -2.29T | -2.22T | -559.20B | -159.69B | -4.65T | -650.49B |
| Long-Term Debt Issued | 10.03T | 14.12T | 11.94T | 16.51T | 5.57T | |
| Total Debt Issued | 12.47T | 10.03T | 14.12T | 11.94T | 16.51T | 5.57T |
| Long-Term Debt Repaid | -12.63T | -19.95T | -14.03T | -13.31T | -11.91T | |
| Lease Payments | -181.10B | -203.41B | -174.82B | -182.60B | -157.40B | -136.80B |
| Total Debt Repaid | -9.15T | -12.63T | -19.95T | -14.03T | -13.31T | -11.91T |
| Net Debt Issued (Repaid) | 3.33T | -2.60T | -5.83T | -2.09T | 3.20T | -6.34T |
| Repurchase of Common Stock | -967.74B | -431.42B | ||||
| Common Dividends Paid | -2.50T | -4.60T | -3.40T | -3.30T | -2.31T | -467.22B |
| Net Increase (Decrease) in Deposit Accounts | 29.28T | 28.00T | 18.33T | 17.03T | 23.21T | 19.29T |
| Other Financing Activities | -49.24B | -18.09B | -19.52B | -41.24B | -37.19B | |
| Financing Cash Flow | 29.09T | 19.75T | 9.09T | 11.59T | 24.07T | 12.48T |
| Foreign Exchange Rate Adjustments | -2.84T | -1.21T | 2.41T | -5.41T | 3.78T | 2.49T |
| Net Cash Flow | -365.64B | 590.06B | -6.96T | 8.15T | 6.32T | 1.63T |
| Free Cash Flow | -26.72T | -17.98T | -19.94T | -284.40B | -20.41T | -14.87T |
| Free Cash Flow Margin | -104.82% | -76.52% | -95.24% | -1.48% | -100.12% | -98.73% |
| Free Cash Flow Per Share | -28,284.22 | -18,867.19 | -20,727.24 | -295.68 | -21,224.78 | -15,463.47 |
| Free Cash Flow After Leases | -26.90T | -18.19T | -20.11T | -466.99B | -20.57T | -15.01T |
| Cash Interest Paid | 13.50T | 13.30T | 14.98T | 15.98T | 7.51T | 4.41T |
| Cash Income Tax Paid | 2.54T | 2.42T | 1.95T | 2.74T | 2.06T | 1.44T |
Ratios
Fiscal year January - December; amounts in COP.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Market Capitalization | 24.37B | 16.41B | 7.95B | 7.86B | 7.60B | 7.90B |
| Last Close Price | 92.02 | 60.05 | 27.00 | 23.78 | 19.71 | 20.12 |
| PE Ratio | 15.60 | 16.20 | 5.59 | 4.98 | 5.43 | 7.87 |
| PS Ratio | 3.27 | 2.63 | 1.68 | 1.58 | 1.81 | 2.13 |
| PB Ratio | 2.11 | 1.51 | 0.79 | 0.78 | 0.92 | 0.95 |
| P/OCF Ratio | 14.31 | |||||
| Debt / Equity Ratio | 0.86 | 0.58 | 0.74 | 1.02 | 1.17 | 1.02 |
| Net Debt / Equity Ratio | -0.83 | -0.64 | -0.42 | -0.18 | 0.21 | 0.05 |
| Net Debt / FCF Ratio | 1.22 | 1.46 | 0.94 | 25.27 | -0.42 | -0.11 |
| Return on Equity (ROE) | 19.22% | 16.24% | 14.61% | 14.43% | 18.93% | 13.56% |
| Return on Assets (ROA) | 2.13% | 1.85% | 1.71% | 1.64% | 2.18% | 1.54% |
| Earnings Yield | 6.41% | 6.17% | 17.87% | 20.09% | 18.42% | 12.71% |
| FCF Yield | -34.50% | -29.06% | -56.84% | -0.93% | -55.43% | -46.26% |
| Dividend Yield | 5.13% | 6.95% | 10.70% | 11.17% | 9.23% | 9.33% |
| Payout Ratio | 79.53% | 120.31% | 54.23% | 53.92% | 34.06% | 11.43% |
| Buyback Yield / Dilution | 1.79% | 0.90% | -0.00% | 0.00% | ||
| Total Shareholder Return | 6.92% | 7.85% | 10.70% | 11.16% | 9.24% | 9.33% |