CIB

Grupo Cibest S.A.

Financial Services · USD

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Price alert · CIB

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92.02 USD -1.54 -1.65%
As of Oct 30, 2026 Extended hours 92.02 0.00%
Bid
91.37 × 200
Ask
92.29 × 100
91.31 Day range 92.95
57.87 52-week range 103.26
YTD
+44.66%
1 year
+59.01%
Open
92.38
Prev close
93.56
Mkt cap
21.73B
Vol
252.30K
Avg vol
305.62K
EPS
8.30
P/E
11.09
Div yield
4.27%
More statistics
Low
91.31
High
92.95
Forward P/E
7.97
Beta
0.44
Short ratio
2.32
Inst. own
21.28%
Dividend
4.00
Ex-div date
Sep 29, 2026
Earnings
Nov 5, 2026
50-d avg
97.19
200-d avg
81.70
1y target
84.72

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CIB five-day price chart91.893.294.696.097.4Oct 26Oct 27Oct 28Oct 29Oct 30

Financial health

Altman Z-Score

0.46 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

9 / 9 Strong

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

A4 / 5 overall

  • DCF 4
  • Return on Equity 5
  • Return on Assets 4
  • Debt / Equity 3
  • P/E 4
  • P/B 2

Valuation

P/E 8.4×
FY 2016: 2.3×FY 2017: 2.7×FY 2018: 2.8×FY 2019: 3.5×FY 2020: 29.9×FY 2021: 7.6×FY 2022: 4.9×FY 2023: 4.8×FY 2024: 5.3×FY 2025: 8.4×
FY 2016 5y median 5.3× FY 2025
P/S 1.3×
FY 2016: 0.3×FY 2017: 0.4×FY 2018: 0.4×FY 2019: 0.5×FY 2020: 0.4×FY 2021: 0.4×FY 2022: 1.0×FY 2023: 0.6×FY 2024: 0.8×FY 2025: 1.3×
FY 2016 5y median 0.8× FY 2025
P/B 1.4×
FY 2016: 0.3×FY 2017: 0.3×FY 2018: 0.3×FY 2019: 0.4×FY 2020: 0.3×FY 2021: 0.2×FY 2022: 0.9×FY 2023: 0.8×FY 2024: 0.8×FY 2025: 1.4×
FY 2016 5y median 0.8× FY 2025
P/FCF 5.7×
FY 2016: 2.6×FY 2017: 4.0×FY 2018: 258×FY 2019: 1.0×FY 2020: 0.9×FY 2021: 1.7×FY 2022: 11.9×FY 2023: 1.7×FY 2024: -20.8×FY 2025: 5.7×
FY 2016 5y median 1.7× FY 2025
EV/EBITDA 5.4×
FY 2016: 6.4×FY 2017: 6.0×FY 2018: 7.0×FY 2019: 5.3×FY 2020: 18.4×FY 2021: 2.1×FY 2022: 4.3×FY 2023: 3.2×FY 2024: 3.7×FY 2025: 5.4×
FY 2016 5y median 3.7× FY 2025
EV/Sales 1.3×
FY 2016: 1.4×FY 2017: 1.3×FY 2018: 1.4×FY 2019: 1.2×FY 2020: 0.9×FY 2021: 0.7×FY 2022: 1.4×FY 2023: 0.7×FY 2024: 0.8×FY 2025: 1.3×
FY 2016 5y median 0.8× FY 2025
FCF Yield 17.5%
FY 2016: 38.1%FY 2017: 24.7%FY 2018: 0.4%FY 2019: 99.5%FY 2020: 117.6%FY 2021: 57.2%FY 2022: 8.4%FY 2023: 57.5%FY 2024: -4.8%FY 2025: 17.5%
FY 2016 5y median 17.5% FY 2025

Profitability

Gross Margin 61.1%
FY 2016: 55.1%FY 2017: 53.5%FY 2018: 52.8%FY 2019: 56.2%FY 2020: 38.0%FY 2021: 68.8%FY 2022: 62.6%FY 2023: 46.6%FY 2024: 52.3%FY 2025: 61.1%
FY 2016 5y median 61.1% FY 2025
Operating Margin 20.8%
FY 2016: 20.3%FY 2017: 19.2%FY 2018: 17.9%FY 2019: 20.4%FY 2020: 1.4%FY 2021: 27.6%FY 2022: 29.8%FY 2023: 18.0%FY 2024: 20.4%FY 2025: 20.8%
FY 2016 5y median 20.8% FY 2025
Net Margin 15.8%
FY 2016: 14.6%FY 2017: 12.6%FY 2018: 13.2%FY 2019: 14.2%FY 2020: 1.3%FY 2021: 18.8%FY 2022: 20.8%FY 2023: 13.5%FY 2024: 14.6%FY 2025: 15.8%
FY 2016 5y median 15.8% FY 2025
ROE 17.1%
FY 2016: 13.5%FY 2017: 11.3%FY 2018: 10.7%FY 2019: 11.6%FY 2020: 1.0%FY 2021: 12.7%FY 2022: 17.4%FY 2023: 16.1%FY 2024: 14.4%FY 2025: 17.1%
FY 2016 5y median 16.1% FY 2025
ROIC 1.6%
FY 2016: 4.0%FY 2017: 4.0%FY 2018: 3.7%FY 2019: 4.2%FY 2020: 0.4%FY 2021: 5.5%FY 2022: 7.1%FY 2023: 6.7%FY 2024: 7.1%FY 2025: 1.6%
FY 2016 5y median 6.7% FY 2025
ROA 1.8%
FY 2016: 1.5%FY 2017: 1.3%FY 2018: 1.2%FY 2019: 1.3%FY 2020: 0.1%FY 2021: 1.4%FY 2022: 1.9%FY 2023: 1.8%FY 2024: 1.7%FY 2025: 1.8%
FY 2016 5y median 1.8% FY 2025

Growth (YoY)

Revenue 0.0%
FY 2016: 32.0%FY 2017: 6.4%FY 2018: -3.3%FY 2019: 8.6%FY 2020: -1.4%FY 2021: 0.5%FY 2022: 50.7%FY 2023: 38.2%FY 2024: -5.0%FY 2025: 0.0%
FY 2016 FY 2025
Operating Income 1.9%
FY 2016: 22.6%FY 2017: 0.6%FY 2018: -9.4%FY 2019: 23.8%FY 2020: -93.1%FY 2021: 1838.0%FY 2022: 62.8%FY 2023: -16.4%FY 2024: 7.5%FY 2025: 1.9%
FY 2016 FY 2025
EPS (diluted) 9.2%
FY 2016: 13.4%FY 2017: -8.6%FY 2018: -0.6%FY 2019: 17.2%FY 2020: -91.1%FY 2021: 270.2%FY 2022: 66.0%FY 2023: -9.8%FY 2024: 2.5%FY 2025: 9.2%
FY 2016 FY 2025
Free Cash Flow 723.5%
FY 2016: 181.5%FY 2017: -28.2%FY 2018: -98.4%FY 2019: 37307.1%FY 2020: -9.9%FY 2021: -54.5%FY 2022: -36.6%FY 2023: 497.8%FY 2024: -109.6%FY 2025: 723.5%
FY 2016 FY 2025

Financial Health

Current Ratio 33.7×
FY 2016: 0.3×FY 2017: 0.3×FY 2018: 0.3×FY 2019: 0.3×FY 2020: 0.3×FY 2021: 0.2×FY 2022: 0.2×FY 2023: 0.3×FY 2024: 0.2×FY 2025: 33.7×
FY 2016 5y median 0.2× FY 2025
Quick Ratio 33.7×
FY 2016: 0.3×FY 2017: 0.3×FY 2018: 0.3×FY 2019: 0.3×FY 2020: 0.3×FY 2021: 0.2×FY 2022: 0.2×FY 2023: 0.3×FY 2024: 0.2×FY 2025: 33.7×
FY 2016 5y median 0.2× FY 2025
Debt / Equity 0.5×
FY 2016: 1.9×FY 2017: 1.6×FY 2018: 1.6×FY 2019: 1.4×FY 2020: 1.3×FY 2021: 1.0×FY 2022: 1.1×FY 2023: 0.9×FY 2024: 0.7×FY 2025: 0.5×
FY 2016 5y median 0.9× FY 2025
Net Debt / EBITDA -0.3×
FY 2016: 4.9×FY 2017: 4.4×FY 2018: 5.2×FY 2019: 3.2×FY 2020: 10.5×FY 2021: 1.0×FY 2022: 1.2×FY 2023: 0.1×FY 2024: 0.3×FY 2025: -0.3×
FY 2016 5y median 0.3× FY 2025
Interest Coverage 0.7×
FY 2016: 0.7×FY 2017: 0.6×FY 2018: 0.6×FY 2019: 0.7×FY 2020: 0.1×FY 2021: 1.4×FY 2022: 1.2×FY 2023: 0.5×FY 2024: 0.6×FY 2025: 0.7×
FY 2016 5y median 0.7× FY 2025

Dividends

Dividend Yield 9.1%
FY 2016: 12.7%FY 2017: 15.4%FY 2018: 9.9%FY 2019: 9.5%FY 2020: 18.9%FY 2021: 6.1%FY 2022: 6.9%FY 2023: 11.3%FY 2024: 10.2%FY 2025: 9.1%
FY 2016 5y median 9.1% FY 2025
Payout Ratio 76.7%
FY 2016: 29.3%FY 2017: 43.1%FY 2018: 27.7%FY 2019: 33.1%FY 2020: 563.7%FY 2021: 11.4%FY 2022: 34.1%FY 2023: 53.9%FY 2024: 54.2%FY 2025: 76.7%
FY 2016 5y median 53.9% FY 2025

Annual · latest fiscal year ends 2025-12-31