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CIBGrupo Cibest S.A.
$81.08$19.2B
Overview & Verdict
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CIB logoGrupo Cibest S.A.(CIB)Earnings, Financials & Key Ratios

CIB•NYSE•Banking & Credit
$81.08
9.6× P/E·Price updated Jul 7, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryNon-US regional and universal banks
AboutGrupo Cibest SA operates as an investment holding company. The company is headquartered in Medellin, Columbia.Show more
  • Net Interest Income$19308.92B+2.9%
  • Total Revenue$42917.41B
  • Net Income$6776.99B+8.1%
  • Return on Equity15.85%+5.7%
  • Net Interest Margin5.09%+1.0%
  • Efficiency Ratio40.31%+26.5%
  • ROA1.8%+2.9%
  • Equity / Assets10.8%-9.9%
  • Book Value per Share171848.02-7.3%

CIB Price & Volume

Grupo Cibest S.A. (CIB) stock price & volume — 10-year historical chart

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Stagnant Margins Challenge Grupo Cibest Growth Outlook

Investment Thesis • Updated 2026Q1

VerdictNeutral
Growth:Mixed
Profitability:Moderate
Financial:Adequate
Cash Flow:Mixed
Primary Risk:Macroeconomic credit quality deterioration

Key Thesis Takeaways

  • Grupo Cibest faces a challenging outlook characterized by persistent net interest margin stagnation at 1.3% and significant volatility in its efficiency ratio, which peaked at 42.2% in 2025Q4.
  • While the bank maintains a defensive posture through a $299.0T investment securities portfolio, its reliance on lumpy capital distributions and inconsistent earnings retention limits long-term organic growth potential.
  • Investors should monitor the bank's ability to manage credit risk, as evidenced by provision expenses that have fluctuated between $828.9 billion and $1.7 trillion over the last ten quarters.

Verdict Logic

while the stock trades at a low PEG ratio of 0.22, the persistent 1.3% NIM and volatile provision expenses suggest significant macroeconomic headwinds that may limit near-term upside.

CIB Growth Metrics

Grupo Cibest S.A. (CIB) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years11.21%
5 Years14.74%
3 Years9.5%
TTM-

Profit CAGR

10 Years10.4%
5 Years89.68%
3 Years-0.03%
TTM10%

EPS CAGR

10 Years-4.02%
5 Years44.03%
3 Years0.29%
TTM10.53%

Return on Capital

10 Years6.61%
5 Years8.52%
3 Years7.7%
Last Year3.88%

CIB Recent Earnings

Grupo Cibest S.A. (CIB) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 2/12 qtrs (17%)●Beat Revenue 2/12 qtrs (40%)
Q2 2026Latest
May 4, 2026
Metric
Actual
Est
EPS
$1.62-12.0%
$1.84
Rev
$2.2B+9.1%
$2.0B
Q1 2026
Feb 23, 2026
Metric
Actual
Est
EPS
$1.77-13.2%
$2.04
Rev
$1.7B-14.1%
$2.0B
Q4 2025
Nov 6, 2025
Metric
Actual
Est
EPS
$2.18+20.4%
$1.81
Rev
$2.8B+37.3%
$2.0B
Q3 2025
Aug 7, 2025
Metric
Actual
Est
EPS
$1.79-100.0%
$7010.12
Rev
$2.6B
—
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestMay 4, 2026
$1.62vs $1.84-12.0%
$2.2Bvs $2.0B+9.1%
Q1 2026Feb 23, 2026
$1.77vs $2.04-13.2%
$1.7Bvs $2.0B-14.1%
Q4 2025Nov 6, 2025
$2.18vs $1.81+20.4%
$2.8Bvs $2.0B+37.3%
Q3 2025Aug 7, 2025
$1.79vs $7010.12-100.0%
$2.6B
Based on last 12 quarters of dataView full earnings history →

Latest CIB News

Recent stock market news and headlines for Grupo Cibest S.A. (CIB)

GlobeNewsWire·Jun 30, 2026
Crédit Agricole CIB and Pasqal advance their strategic partnership to deploy quantum computing applied to finance

PARIS, June 30, 2026 (GLOBE NEWSWIRE) -- Crédit Agricole CIB, the financing and investment banking arm of Crédit Agricole Group, and Pasqal, a global leader in neutral atom quantum computing, announced the signing of a strategic partnership to accelerate the transition from quantum research to operational deployment in capital markets activities.  Building on a collaboration initiated in 2019, the partnership enters a new phase focused on the industrialization of quantum computing applications, with initial production use cases targeted as early as 2028.

GuruFocus·Jun 24, 2026
The Trust Threshold: The Majority of U.S. Investors Use AI To Explore, But Only 7% Say It Drove Their Last Major Decision

AI has become a mainstream tool for U.S. investors to research finance and investing topics, but when it comes to making a decision, they turn to trusted human

Peers Comparison

Key metrics vs top competitors for Grupo Cibest S.A. (CIB)

Full Screener →
CompanyPriceMarket CapP/E RatioRev Growth (1Y)Net MarginROEDiv Yield
CIB logoCIBGrupo Cibest S.A.Current
$81.08$19.24B9.550.02%15.79%15.85%8.02%
GFI logoGFIGold Fields Limited
$33.58$30.05B8.5268.77%34.5%76.87%—
BBAR logoBBARBanco BBVA Argentina S.A.
$20.08$4.1B19.358.34%4.88%8.96%—
BMA logoBMABanco Macro S.A.
$91.65$5.86B25.80-10.04%7.8%0.03%—
GGAL logoGGALGrupo Financiero Galicia S.A.
$51.10$8.21B53.4216.86%0.65%1.15%—
SU logoSUSuncor Energy Inc.
$53.57$63.58B15.70-3.51%12.17%14.02%—

Compare CIB vs Peers

Grupo Cibest S.A. (CIB) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs GFI

Most directly comparable listed peer for CIB.

Scale Benchmark

vs V

Larger-name benchmark to compare CIB against a more recognizable public peer.

Peer Set

Compare Top 5

vs GFI, BBAR, BMA, GGAL

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CIB Frequently Asked Questions

Grupo Cibest S.A. (CIB) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials
How fast is Grupo Cibest S.A. growing?

Grupo Cibest S.A. (CIB) grew revenue by 0.0% over the past year. Growth has been modest.

Is CIB profitable?

Yes, Grupo Cibest S.A. (CIB) is profitable, generating $6.98T in net income for fiscal year 2025 (15.8% net margin).

Dividend & Returns
Does CIB pay dividends?

Yes, Grupo Cibest S.A. (CIB) pays a dividend with a yield of 8.02%. This makes it attractive for income-focused investors.

What is CIB's return on equity?

Grupo Cibest S.A. (CIB) has a return on equity (ROE) of 15.8%. This is reasonable for most industries.

Industry Metrics
What is Grupo Cibest S.A.'s net interest margin?

Grupo Cibest S.A. (CIB) has a net interest margin (NIM) of 5.1%. This indicates healthy earnings from lending activities.

What is Grupo Cibest S.A.'s efficiency ratio?

Grupo Cibest S.A. (CIB) has an efficiency ratio of 40.3%. This is excellent, indicating strong cost control.

What if you invested $1,000 in CIB back in 1998?

Total return calculator · dividends reinvested · 28+ years of data

See returns →