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Updated: Sep 6, 2026
CIB Logo

Grupo Cibest

NYSE:CIB·Stock Analysis Report
Day Range
$96.70 - $100.72
Market Cap
23.86B
P/E Ratio
10.4026
Avg Value
$77.11
Year Range
$50.72 - $103.50
$98.23-$0.09 (-0.09%)
1
General Information
Grupo Cibest SA is a full service financial group offering a broad range of financial products and services to a diversified individual and corporate clients through subsidiaries.

Its network also includes offshore banking subsidiaries in Panama and Puerto Rico, as well as other adjacent businesses. Its products and services include Savings and Investment, Financing, Factoring, Financial and Operating Leases, Capital Markets, Trading, Cash Management, Foreign Currency and Trade Finance, Bancassurance and Insurance, Investment Banking, Trust and Fiduciary Services, Mortgage Lending Business, among others. Its segments include Banking Colombia, Banking El Salvador, Banking Guatemala, International Banking, Leases, All Other and Banking Panama.

2
Grupo Cibest (CIB) Stock Graph
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How We Grade Grupo Cibest (CIB)

We grade stocks based on past performance, their future growth potential, intrinsic value, dividend history, and overall financial health.

The chart below shows how we grade Grupo Cibest (CIB) across the board compared to its closest peers.

4
Benzinga Edge Rankings

Benzinga Edge stock rankings give you four critical scores to help you identify the strongest and weakest stocks to buy and sell.

46.7

Growth measures a stock's combined historical expansion in earnings and revenue across multiple time periods, with emphasis on both long-term trends and recent performance.

Momentum measures a stock's relative strength based on its price movement patterns and volatility over multiple timeframes, ranked as a percentile against other stocks.

99.89

Quality is a composite ranking that evaluates a company's operational efficiency and financial health by analyzing historical profitability metrics and fundamental strength indicators on a percentile basis relative to peers.

Stock Score Locked: Want to See it?
Benzinga Rankings give you vital metrics on any stock – anytime.
5
Future Growth
Our estimate of future price growth is based on an aggregation of 4 analyst ratings over the past 3 months and their 12-month price targets.

Below, you can see that analysts are estimating a 12-month price target range of $81.00 - $110.00 with an average of $99.75

-0.83%
Expected movement for Grupo Cibest (CIB) over the next 12 months
Based on these rankings

Recent Ratings for Grupo Cibest (CIB)

Goldman Sachs
Date:
Aug 13, 2026
Action:
Maintains
Prev. Target:
$98.00
New Target:
$110.00
JP Morgan
Date:
Aug 11, 2026
Action:
Upgrades
Prev. Target:
$70.00
New Target:
$110.00
Goldman Sachs
Date:
Jul 28, 2026
Action:
Upgrades
Prev. Target:
$81.00
New Target:
$98.00
Goldman Sachs
Date:
Jul 16, 2026
Action:
Maintains
Prev. Target:
$71.00
New Target:
$81.00
6
Valuation

Earnings History (3 years)

It is important to look at a companies earnings history to see not only if they are profitable, but if their earnings are growing.
As you can see from the chart above, CIB's earnings have fluctuated but has decreased since, this is a negative sign for the stock.
7
Past Performance
How has Grupo Cibest (CIB) performed over the past 5 years?

The two main factors that we consider when analyzing past performance is overall return and volatility

Using these two metrics, we can determine if this stock gave its investors enough return for the risk that they took on by owning it. This is measured by the sharpe ratio, which has been used as a primary measure of risk/reward trade-off for almost 60 years.

This ratio can be interpreted as the amount of return an investor has received for the amount of risk that they took on by owning the stock over that timeframe.

Grupo Cibest (CIB) sharpe ratio over the past 5 years is 1.7586 which is considered to be above average compared to the peer average of 1.1301

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Company Financials
INCOME STATEMENT
The income statement also known as the profit and loss statement, primarily focuses on the company's revenues and expenses during a particular period.

The main purpose of an income statement is to convey details of profitability and business activities. Below, is CIB's income statement for the previous four years along with its trailing-twelve- month profit & loss.

FISCAL YEAR (BIL.)
2022 ($)
2023 ($)
2024 ($)
2025 ($)
TTM ($)
Total Revenue
24,249.11
28,546.36
28,216.92
27,543.62
29,200.40
Operating Revenue
24,249.11
28,546.36
28,216.92
27,543.62
29,200.40
Cost Of Revenue
Gross Profit
Operating Expense
Selling General And Administration
8,977.56
9,469.79
10,013.45
10,547.96
10,651.50
Research and Development
Operating Income
Net Non-Operating Interest Income Expense
Other Income Expense
Other Non-Operating Income Expenses
Pre-Tax Income
9,744.79
8,147.53
8,757.92
9,759.31
10,811.76
Tax Provision
2,748.42
1,932.56
2,392.34
2,810.97
3,154.28
Net Income
6,783.49
6,116.94
6,267.74
3,820.63
4,479.12
Net Income Common Stockholders
6,783.49
6,116.94
6,267.74
2,058.44
2,432.05
Total Operating Income As Reported
Total Expenses
Net Income From Continuing And Discontinued Operation
6,783.49
6,116.94
6,267.74
3,820.63
4,479.12
Normalized Income
6,406.87
5,964.52
6,572.09
6,710.69
7,148.03
Interest Income
25,434.25
36,467.47
33,787.98
30,051.42
30,593.86
Interest Expense
8,442.47
16,668.29
15,023.91
12,061.23
11,806.22
Net Interest Income
16,991.78
19,799.18
18,764.07
17,990.19
18,787.64
EBIT
EBITDA
Reconciled Cost Of Revenue
Reconciled Depreciation
1,082.84
1,011.46
1,055.99
1,026.57
Normalized EBITDA
Tax Rate For Calcs
0.00
0.00
0.00
0.00
0.26
Tax Effect Of Unusual Items
-43.74
61.34
-89.25
67.25
162.06
BALANCE SHEET
The balance sheet is a snapshot of a companies financials during a particular period in time.

It breaks down what company owns (assets) and what a company owes (liabilities), in order to give investors an overview of its capital structure.

FISCAL YEAR (BIL.)
2022 ($)
2023 ($)
2024 ($)
2025 ($)
TTM ($)
Total Assets
352,814.73
342,928.81
372,215.38
379,752.38
363,082.27
Current Assets
Total Non-Current Assets
Total Liabilities Net Minority Interest
312,817.18
303,879.08
327,631.11
338,756.75
323,685.84
Current Liabilities
Other Non-Current Liabilities
Total Equity Gross Minority Interest
39,997.55
39,049.73
44,584.28
40,995.63
39,396.43
Stockholders Equity
Total Capitalization
78,357.53
68,401.69
62,399.20
56,520.75
53,885.79
Common Stock Equity
39,088.90
38,089.51
43,542.47
39,754.63
38,123.67
Net Tangible Assets
28,649.71
29,599.81
33,774.57
37,217.45
35,734.01
Working Capital
Invested Capital
78,357.53
68,401.69
70,507.22
56,520.75
53,885.79
Tangible Book Value
28,649.71
29,599.81
33,774.57
37,217.45
35,734.01
Total Debt
41,168.89
32,085.79
28,854.11
18,091.16
17,134.85
Net Debt
10,497.05
Share Issued
0.96
0.96
0.96
0.96
0.94
Ordinary Shares Number
0.96
0.96
0.96
0.95
0.94
CASH FLOW STATEMENTS
A companies statement of cash flows gives an investor a break down of the cash inflows and outflows from a companies operations and investment activities.
FISCAL YEAR (BIL.)
2022 ($)
2023 ($)
2024 ($)
2025 ($)
TTM ($)
Cash Flow from Continuing Operating Activities
19,153.08
435.90
12,258.94
4,949.05
Net Income from Continuing Operations
6,214.97
6,365.58
3,941.70
4,615.14
Depreciation and Amortization
1,082.84
1,011.46
1,055.99
1,026.57
Deferred Tax
1,932.56
2,392.34
2,886.65
3,613.84
Deferred Income Tax
1,932.56
2,392.34
2,886.65
3,613.84
Stock-Based Compensation
Other Non-Cash Items
-16,666.01
-15,293.38
-15,748.77
-17,161.59
Change in Working Capital
4,815.75
-14,176.97
-784.79
-7,536.28
Change in Receivables
-525.55
-713.07
1,244.21
-138.31
Changes in Account Receivables
-525.55
-713.07
1,244.21
-138.31
Change in Inventory
Change in Payables and Accrued Expense
945.92
-859.35
742.03
990.87
Change in Payable
945.92
-859.35
742.03
990.87
Change in Account Payable
945.92
-859.35
742.03
990.87
Change in Other Current Assets
-1,151.82
895.91
-1,167.12
213.87
Change in Other Current Liabilities
204.99
-1,411.82
417.93
539.00
Change in Other Working Capital
15,897.15
9,533.47
25,285.06
17,785.45
Cash Flow from Continuing Investing Activities
-159.69
-559.20
-2,216.09
-2,286.91
Net PPE Purchase and Sale
-2,226.80
-1,628.06
-1,748.11
-1,891.64
Net Business Purchase and Sale
Purchase of Business
Net Investment Purchase and Sale
2,418.58
1,271.98
-192.89
-117.19
Purchase of Investment
-11,590.45
-2,697.72
-2,425.02
-3,014.10
Sale of Investment
14,009.03
3,969.70
2,232.13
2,896.91
Net Other Investing Changes
-351.47
-203.11
-275.10
-278.08
Financing Cash Flow
-5,430.67
-9,244.38
-8,246.85
-190.39
Cash Flow from Continuing Financing Activities
-5,430.67
-9,244.38
-8,246.85
-190.39
Net Issuance Payments of Debt
-2,396.09
-6,376.68
-2,634.71
212.54
Net Long-Term Debt Issuance
-2,396.09
-6,376.68
-2,634.71
212.54
Long-Term Debt Issuance
11,636.76
13,571.99
9,995.49
9,357.62
Long-Term Debt Payments
-14,032.85
-19,948.67
-12,630.21
-9,145.08
Net Short-Term Debt Issuance
Net Common Stock Issuance
Common Stock Issuance
Common Stock Payments
Cash Dividends Paid
-3,298.18
-3,398.76
-5,196.64
-2,502.32
Net Other Financing Charges
-41.24
-19.52
-18.09
-49.24
End Cash Position
125,844.94
117,371.23
123,560.66
128,012.72
Changes in Cash
13,562.72
-9,367.68
1,796.00
2,471.75
Beginning Cash Position
117,690.62
124,326.74
122,970.60
128,378.36
Capital Expenditure
-2,412.12
-2,042.09
-2,244.22
-2,386.50
Issuance of Capital Stock
Issuance of Debt
11,636.76
13,571.99
9,995.49
9,357.62
Repayment of Debt
-14,032.85
-19,948.67
-12,630.21
-9,145.08
Repurchase of Capital Stock
Free Cash Flow
16,740.96
-1,606.20
10,014.72
2,562.56