GoAI
Get started
Grupo Cibest S.A. logo

Grupo Cibest S.A.

CIB

NYSEFinancial ServicesBanks - Regional

Open in GoAI

Previous close

$101.43

+$2.78 · +2.82%

Aug 21, 4:00 PM ET

Pre-market

$101.4

−$0.03 · -0.03%

Aug 24, 4:17 AM ET

CIB company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Hold

Wait — insufficient conviction to act

Valuation

61

Undervalued

Momentum

56

Neutral

Sentiment

57

Mixed

Risk resilience

74

Moderate Risk

Full GoAI research

Thesis, catalysts, evidence, and risk analysis.

View full GoAI research

AI-generated, informational only, and not investment advice.

Company profile

Company website

Grupo Cibest SA functions as an investment holding enterprise, with its headquarters situated in Medellin, Colombia.

Industry
Banks - Regional
Sector
Financial Services
Headquarters
CO
CEO
Juan Carlos Mora Uribe
Listed since
Jul 26, 1995
Employees
33,951

Market position

Day range

Current $101.43

52-week range

Current $101.43

Open
$99.70
Previous close
$98.65
Volume
220.38K
0.63× average
Average volume
350.8K
Average daily volume
Market cap
24.07B USD
Beta
0.44
Market reference 1
50-day average
$86.0952
+17.81% above average
200-day average
$73.7126
+37.60% above average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
53.78T COP
P/E (TTM)
9.52×
P/B (TTM)
1.98×
P/S (TTM)
1.65×
EV / EBITDA
5.39×
Earnings yield
11.85%
Free cash flow yield
17.51%
Dividend yield
2.52%

Profitability & efficiency

Gross margin
61.08%
Operating margin
23.79%
Net margin
17.40%
Return on equity
17.07%
Return on assets
1.79%
Return on invested capital
1.64%

Financial health

Debt / equity
0.64×
Current ratio
33.73×
Altman Z-score
0.47
Piotroski F-score
9 of 9

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends74%52%30%8%Gross margin, FY2021: 68.78%Gross margin, FY2022: 62.57%Gross margin, FY2023: 46.59%Gross margin, FY2024: 52.28%Gross margin, FY2025: 61.10%Operating margin, FY2021: 27.59%Operating margin, FY2022: 29.81%Operating margin, FY2023: 18.03%Operating margin, FY2024: 20.41%Operating margin, FY2025: 20.80%Net margin, FY2021: 18.84%Net margin, FY2022: 20.75%Net margin, FY2023: 13.54%Net margin, FY2024: 14.61%Net margin, FY2025: 15.79%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 68.78%. Gross margin FY2022 62.57%. Gross margin FY2023 46.59%. Gross margin FY2024 52.28%. Gross margin FY2025 61.10%. Operating margin FY2021 27.59%. Operating margin FY2022 29.81%. Operating margin FY2023 18.03%. Operating margin FY2024 20.41%. Operating margin FY2025 20.80%. Net margin FY2021 18.84%. Net margin FY2022 20.75%. Net margin FY2023 13.54%. Net margin FY2024 14.61%. Net margin FY2025 15.79%.

Income trends

Revenue

42.92T COP+0.02%

Operating income

8.92T COP+1.91%

Net income

6.78T COP+8.12%
Income trends across reported periods49.29T COP32.85T COP16.41T COP−22.31B COPRevenue, FY2021: 21.69T COPRevenue, FY2022: 32.69T COPRevenue, FY2023: 45.18T COPRevenue, FY2024: 42.91T COPRevenue, FY2025: 42.92T COPOperating income, FY2021: 5.98T COPOperating income, FY2022: 9.74T COPOperating income, FY2023: 8.15T COPOperating income, FY2024: 8.76T COPOperating income, FY2025: 8.92T COPNet income, FY2021: 4.09T COPNet income, FY2022: 6.78T COPNet income, FY2023: 6.12T COPNet income, FY2024: 6.27T COPNet income, FY2025: 6.78T COPFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 21.69T COP. Revenue FY2022 32.69T COP. Revenue FY2023 45.18T COP. Revenue FY2024 42.91T COP. Revenue FY2025 42.92T COP. Operating income FY2021 5.98T COP. Operating income FY2022 9.74T COP. Operating income FY2023 8.15T COP. Operating income FY2024 8.76T COP. Operating income FY2025 8.92T COP. Net income FY2021 4.09T COP. Net income FY2022 6.78T COP. Net income FY2023 6.12T COP. Net income FY2024 6.27T COP. Net income FY2025 6.78T COP.
Metric (COP)FY2025FY2024FY2023FY2022FY2021
Revenue42.92T COP42.91T COP45.18T COP32.69T COP21.69T COP
Cost of goods sold16.69T COP20.48T COP24.13T COP12.23T COP6.77T COP
Gross profit26.22T COP22.43T COP21.05T COP20.45T COP14.92T COP
Selling, general, and administrative5.77T COP10.05T COP9.47T COP8.21T COP6.92T COP
Operating expenses17.3T COP13.68T COP12.9T COP10.71T COP8.93T COP
Interest income31.7T COP33.79T COP36.47T COP25.43T COP15.67T COP
Interest expense12.39T COP15.02T COP16.67T COP8.44T COP4.35T COP
Depreciation and amortization1.06T COP1.01T COP1.08T COP949.45B COP855.17B COP
Operating income8.92T COP8.76T COP8.15T COP9.74T COP5.98T COP
Net income6.78T COP6.27T COP6.12T COP6.78T COP4.09T COP

Company facts updated Aug 24, 2026.

Earnings

EPS beat rate
27%
3 beats, 8 misses, 0 met estimates
Average EPS surprise
-48.47%
11 comparable reports
Latest EPS result
3.32
Estimate 2.14 · Beat by 55.14%

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly EPS actual values compared with estimates7,570.825,047.62,524.371.15Q1 '25BeatQ2 '25MissQ3 '25MissQ4 '25BeatQ1 '26MissQ2 '26MissQ3 '26BeatQ4 '26Estimate
Q1 2025, reported Feb 19, 2025: actual 1.57, estimate 1.35, surprise +16.30%, Beat. Q2 2025, reported May 5, 2025: actual 1.74, estimate 6,654.5, surprise -99.97%, Miss. Q3 2025, reported Aug 7, 2025: actual 1.79, estimate 7,010.12, surprise -99.97%, Miss. Q4 2025, reported Nov 6, 2025: actual 2.18, estimate 1.81, surprise +20.44%, Beat. Q1 2026, reported Feb 23, 2026: actual 1.77, estimate 2.04, surprise -13.24%, Miss. Q2 2026, reported May 4, 2026: actual 1.62, estimate 1.84, surprise -11.96%, Miss. Q3 2026, reported Aug 10, 2026: actual 3.32, estimate 2.14, surprise +55.14%, Beat. Q4 2026, reported Nov 5, 2026: actual —, estimate 2.87, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly Revenue actual values compared with estimates2.87B2.38B1.9B1.41BQ1 '25MissQ2 '25No estimateQ3 '25No estimateQ4 '25BeatQ1 '26MissQ2 '26MissQ3 '26BeatQ4 '26Estimate
Q1 2025, reported Feb 19, 2025: actual 1.52B USD, estimate 1.64B USD, surprise -7.21%, Miss. Q2 2025, reported May 5, 2025: actual 2.46B USD, estimate —, surprise —, Comparison unavailable. Q3 2025, reported Aug 7, 2025: actual 2.63B USD, estimate —, surprise —, Comparison unavailable. Q4 2025, reported Nov 6, 2025: actual 2.76B USD, estimate 2.01B USD, surprise +37.29%, Beat. Q1 2026, reported Feb 23, 2026: actual 1.69B USD, estimate 1.97B USD, surprise -14.07%, Miss. Q2 2026, reported May 4, 2026: actual 2B USD, estimate 2.04B USD, surprise -1.93%, Miss. Q3 2026, reported Aug 10, 2026: actual 2.43B USD, estimate 2.4B USD, surprise +1.36%, Beat. Q4 2026, reported Nov 5, 2026: actual —, estimate 2.44B USD, surprise —, Comparison unavailable.

Analyst ratings

Third-party consensus; not a GoAI recommendation.

Analyst price target

Average target

$97.33

4.04% downside
Past 12 months12-month forecastHigh $110Average $97.33Low $72.00

Rating distribution

15 ratings
Strong buy00%
Buy853%
Hold427%
Sell320%
Strong sell00%

Recent analyst actions

7 institutions
CitigroupdowngradeBuyNeutral
Morgan StanleyupgradeEqual WeightOverweight

CIB peers

Berkshire Hathaway Inc. logo

BRK-B

Berkshire Hathaway Inc.

$495.82

-0.21%

Berkshire Hathaway Inc. logo

BRK-A

Berkshire Hathaway Inc.

$743,500

-0.15%

JPMorgan Chase & Co. logo

JPM

JPMorgan Chase & Co.

$351.58

+0.01%

Visa Inc. logo

V

Visa Inc.

$371.04

+1.45%

Mastercard Incorporated logo

MA

Mastercard Incorporated

$580.63

+1.18%

Bank of America Corporation logo

BAC

Bank of America Corporation

$61.69

-0.27%

ETFs holding CIB

Funds reporting this stock among their holdings, ordered by reported position size.

Vanguard FTSE Emerging Markets ETF logoVanguard FTSE Emerging Markets ETFVWO
Market value
100.63M
Weight
0.06%
AUM
162.3B USD
Expense ratio
0.06%
Price / 1D
$60.45+0.72%
iShares Latin America 40 ETF logoiShares Latin America 40 ETFILF
Market value
62.93M
Weight
1.74%
AUM
3.72B USD
Expense ratio
0.47%
Price / 1D
$34.68+2.85%
Vanguard Total International Stock ETF logoVanguard Total International Stock ETFVXUS
Market value
62.15M
Weight
0.01%
AUM
646.2B USD
Expense ratio
0.05%
Price / 1D
$87.71+0.78%
Amplify CWP International Enhanced Dividend Income ETF logoAmplify CWP International Enhanced Dividend Income ETFIDVO
Market value
25.82M
Weight
1.82%
AUM
1.42B USD
Expense ratio
0.65%
Price / 1D
$43.27+1.24%
Vanguard FTSE All-World ex-US ETF logoVanguard FTSE All-World ex-US ETFVEU
Market value
22.95M
Weight
0.02%
AUM
95.9B USD
Expense ratio
0.04%
Price / 1D
$85.69+0.82%
State Street SPDR Portfolio Emerging Markets ETF logoState Street SPDR Portfolio Emerging Markets ETFSPEM
Market value
17.58M
Weight
0.10%
AUM
17.57B USD
Expense ratio
0.07%
Price / 1D
$52.38+0.61%
Avantis Emerging Markets Equity ETF logoAvantis Emerging Markets Equity ETFAVEM
Market value
11.07M
Weight
0.04%
AUM
27.89B USD
Expense ratio
0.33%
Price / 1D
$94.24+0.75%
Dimensional - Emerging Core Equity Market ETF logoDimensional - Emerging Core Equity Market ETFDFAE
Market value
8.51M
Weight
0.09%
AUM
10B USD
Expense ratio
0.29%
Price / 1D
$39.49+0.51%

Continue in GoAI

Research CIB

research.disclaimer