Saturday 17 October 2026 Export CIB’s income statement to Excel — free account

Grupo Cibest S.A. - Sponsored ADR

Grupo Cibest S.A. - Sponsored ADR’s revenue for fiscal 2025 (year ended December 2025) was $7.3 billion, down 14.8% from fiscal 2024. In the quarter to June 2026, revenue grew 178.9%, EPS grew 85.5%, free cash flow fell 187.3% and total debt rose 39.0%, each against the same quarter a year earlier.

97.91 0.26 +0.27%

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Market cap: $10.7B
P/E: 19.1×
Fwd P/E: —
Dividend yield: 4.08%
F-score: 6/9
Altman Z: n/a
Beneish M: n/a
Dividend safety: n/a

Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

	Dec 25			Mar 26			Jun 26			Sep 26
Buy	—	—	—	—	—	—	—	—	—	—	—	—
Sell	—	—	—	—	—	—	—	—	—	—	—	—

Insider Ownership 55.42%

Capital & Financial Ratios $m

Market Cap 10,740.00

Revenue 10,669.36

Net Income 1,438.30

Free Cash Flow 1,067.91

Net Debt (6,469.98)

Current Ratio 0.99

Debt/Equity 0.18

P/E ratio 19.09

Fwd P/E —

P/S ratio 2.26

P/B ratio 2.04

Past 5Y EPS Growth 63.84%

This Y EPS Growth 155.66%

Next Y EPS Growth 6.70%

Next Y revenue growth —

Next 5Y EPS Growth 41.78%

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 89.35%

10-year low 10-year high

P/S against its own 10 years 99.13%

10-year low 10-year high

P/B against its own 10 years 99.24%

10-year low 10-year high

Dividends

Payout Ratio 0.78

Annual Dividend Rate 4.00

Annual Dividend Yield 4.08%

	total	individual payouts
2026	4.00	1.22 1.33 1.63 1.44
2025	3.71	3.71 0.35
2024	3.39	0.91 0.85 0.83 0.80
2023	3.04	0.70 0.77 0.76 0.81
2022	2.53	0.75 0.65 0.62 0.51
2021	0.24	0.06 0.06 0.06 0.06
2020	1.11	0.25 0.29 0.27 0.30
2019	1.22	0.32 0.31 0.29 0.30
2018	1.35	0.36 0.35 0.34 0.30
2017	1.27	0.33 0.31 0.32 0.32
2016	1.18	0.29 0.30 0.30 0.30

special payouts not included in total or ratios

Assets vs Liabilities $m

	2023	2024	2025	Q'26
Cash	7,960	6,569	5,983	8,566
Receivables	—	—	—	—
Inventory	—	—	—	—
Other	—	—	—	—
	55,506	59,224	54,603	83,203

	2023	2024	2025	Q'26
Payables	49,804	55,812	52,883	81,314
ST’ Debt	—	—	—	—
Other	—	—	—	—
	52,933	55,812	53,024	83,993

Compound Annual Growth %

	10y	5y	3y
Sales	2.10%	2.34%	3.59%
Cash Flow	12.69%	(6.16%)	23.15%
Earnings	(8.55%)	50.69%	(17.16%)
Book Value	0.04%	(0.56%)	0.82%

Revenue $m

	Mar	Jun	Sep	Dec	Year
’26	3,147	3,583	—	—	—
’25	2,083	1,285	1,983	1,956	7,307
’24	2,849	3,147	2,150	428	8,574
’23	2,298	2,261	2,213	2,271	9,044
’22	1,777	2,224	1,750	823	6,573
’21	1,538	1,543	1,597	1,897	6,576
’20	1,711	1,712	1,712	1,373	6,508

Fiscal quarters ending in the months shown.

Operating Cash Flow $m

	Mar	Jun	Sep	Dec	Year
’26	216	(402)	—	—	—
’25	87	660	322	1,383	2,452
’24	(3,418)	1,593	(316)	2,228	87
’23	—	—	—	3,831	3,831
’22	—	—	—	1,313	1,313
’21	—	—	—	1,829	1,829
’20	—	—	—	3,369	3,369

Fiscal quarters ending in the months shown.

Free Cash Flow $m

	Mar	Jun	Sep	Dec	Year
’26	144	(522)	—	—	—
’25	59	598	234	1,211	2,102
’24	(3,459)	1,463	(310)	2,068	(238)
’23	—	—	—	3,385	3,385
’22	—	—	—	689	689
’21	—	—	—	1,339	1,339
’20	—	—	—	2,991	2,991

Fiscal quarters ending in the months shown.

EPS $

	Mar	Jun	Sep	Dec	Year
’26	1.68	3.32	—	—	—
’25	1.74	1.79	2.18	(2.05)	3.66
’24	1.80	3.44	1.49	1.57	6.30
’23	1.54	1.45	1.53	1.58	6.10
’22	1.92	1.78	1.48	1.42	6.69
’21	0.61	1.28	1.02	1.51	4.27
’20	0.34	(0.08)	0.30	(0.30)	0.31

Fiscal quarters ending in the months shown.

Group	Line	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026e
Price, $
Price, $	Low	24.69	36.15	35.52	37.53	16.27	27.64	23.86	21.55	30.25	31.66	Analyst estimates 2026–2028 Powerpack
	High	42.58	48.74	51.38	56.06	56.10	41.06	45.98	31.07	37.85	65.73
People
People	Employees	34,567	31,061	31,040	31,075	30,633	31,245	33,140	34,756	34,114	33,951
	Revenue/emp, $m	0.17	0.20	0.20	0.22	0.21	0.21	0.20	0.26	0.25	0.22
Income, $m
Income, $m	Revenue	5,919	6,275	6,184	6,697	6,508	6,576	6,573	9,044	8,574	7,307
	Gross margin, %	69.32	70.20	72.49	72.32	72.97	80.15	74.31	63.14	64.95	66.99
	EBT	1,190	1,198	1,085	1,343	93	1,795	1,949	1,630	1,752	1,952
	EBT margin, %	20.11	19.09	17.54	20.06	1.42	27.30	29.65	18.02	20.43	26.71
	Net income	886	826	836	964	95	1,262	1,399	1,243	1,273	788
	Depreciation	145	130	140	247	221	257	190	217	202	902
Per share, $
Per share, $	Revenue	46.43	26.09	25.72	27.85	51.04	51.57	51.56	70.93	67.24	57.37
	Earnings	4.05	3.64	3.48	3.86	0.31	4.27	6.69	6.10	6.30	3.66
	Cash flow	8.47	3.67	1.30	15.37	26.42	14.34	10.30	30.04	0.68	19.25
	Capex	(1.25)	(0.70)	(0.88)	(1.65)	(2.97)	(3.84)	(4.89)	(3.49)	(2.55)	(2.74)
	Free cash flow	7.23	2.96	0.42	13.71	23.46	10.50	5.41	26.55	(1.87)	16.50
	Book value	52.89	30.48	33.26	35.94	66.15	79.82	62.74	61.25	69.94	64.37
	Shares, m	128	240	240	240	128	128	128	128	128	127
Valuation, ×
Valuation, ×	P/E	8.69	11.13	10.41	13.87	154.54	7.15	4.12	5.12	3.80	17.38
	P/S	1.51	1.56	1.48	1.97	1.48	1.16	0.47	0.39	0.47	1.11
	P/B	1.33	1.34	1.15	1.52	1.15	0.75	0.38	0.45	0.45	0.99
	EV/Sales	1.42	1.64	1.56	1.80	1.27	1.35	0.10	(0.17)	0.33	0.75
	EV/FCF	22.64	(11.59)	4.36	2.39	1.17	1.15	0.08	(0.18)	(11.92)	2.60
Cash, $m
Cash, $m	Operating cash flow	1,080	882	313	3,695	3,369	1,829	1,313	3,831	87	2,452
	Capex	(159)	(169)	(211)	(397)	(378)	(490)	(623)	(445)	(326)	(350)
	Free cash flow	921	713	102	3,298	2,991	1,339	689	3,385	(238)	2,102
Balance, $m
Balance, $m	Working capital	6,514	6,631	11,950	7,340	1,713	5,819	3,081	2,572	3,412	1,579
	Total debt	5,611	5,895	6,086	5,976	5,738	8,894	3,915	2,933	5,393	3,353
	Net debt	(527)	445	467	(1,145)	(1,372)	1,295	(2,414)	(5,027)	(1,176)	(2,630)
	Shareholders’ equity	6,743	7,329	7,997	8,642	8,435	10,178	8,000	7,810	8,917	8,199
Returns, %
Returns, %	ROA	0.68	1.31	0.68	0.74	0.07	0.81	0.92	0.94	0.94	0.55
	ROIC	11.97	9.63	8.01	11.20	0.82	9.78	21.81	36.60	14.14	21.91
	ROE	6.24	11.15	5.64	6.07	0.62	7.08	7.98	8.28	8.02	4.82

Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

Company	Market cap	P/E	Fwd P/E	Revenue growth (Q)	EPS growth (Q)	FCF growth (Q)	Gross margin (Q)	EBIT margin (Q)	Compare
FHN First Horizon Corporation	$10.8B	15.9×	11.3×	−39.55% (below 0%: shrinking)	n/m	+664.86% (above 0%: growing)	52.50%	0.00%	Compare
CIB Grupo Cibest S.A. - Sponsored ADR	$10.7B	19.1×	—	+178.87% (above 0%: growing)	+85.47% (above 0%: growing)	−187.28% (below 0%: shrinking)	71.39%	0.00%
BPOP Popular, Inc.	$10.0B	10.7×	10.1×	+4.48% (above 0%: growing)	+40.78% (above 0%: growing)	+46.43% (above 0%: growing)	75.20%	0.00%	Compare
UMBF UMB Financial Corporation	$10.0B	10.9×	10.0×	+4.12% (above 0%: growing)	+26.06% (above 0%: growing)	+22.27% (above 0%: growing)	69.66%	0.00%	Compare
SSB SouthState Bank Corporation	$9.8B	10.7×	10.1×	+0.83% (above 0%: growing)	+11.32% (above 0%: growing)	+408.25% (above 0%: growing)	71.95%	0.00%	Compare
WTFC Wintrust Financial Corporation	$9.7B	11.4×	11.7×	+5.52% (above 0%: growing)	+18.44% (above 0%: growing)	−23.80% (below 0%: shrinking)	66.99%	0.00%	Compare
CFR Cullen/Frost Bankers, Inc.	$9.6B	14.7×	13.2×	+0.53% (above 0%: growing)	+12.97% (above 0%: growing)	−106.23% (below 0%: shrinking)	79.66%	0.00%	Compare
ONB Old National Bancorp	$9.6B	11.1×	9.3×	+9.45% (above 0%: growing)	+91.18% (above 0%: growing)	+330.77% (above 0%: growing)	69.90%	0.00%	Compare
ZION Zions Bancorporation, N.A.	$9.2B	8.1×	9.7×	+19.18% (above 0%: growing)	+87.12% (above 0%: growing)	+518.28% (above 0%: growing)	76.88%	0.00%	Compare
Median of peers	$9.8B	11.0×	10.1×	+4.30%	+26.06%	+188.60%	70.92%	0.00%

All 323 Banks Regional stocks →

Grupo Cibest S.A. - Sponsored ADR (CIB) key facts

Concern: Grupo Cibest S.A. - Sponsored ADR’s revenue for fiscal 2025 (year ended December 2025) was $7.3 billion, down 14.8% from fiscal 2024.
Grupo Cibest S.A. - Sponsored ADR (CIB) is a Banks Regional company in the Financial sector, traded in the US as an ADR.
As of October 16, 2026, CIB traded at $97.91, a market capitalization of $10.7 billion.
Grupo Cibest S.A. - Sponsored ADR pays an annual dividend of $4.00 per share, a yield of 4.08%, with a payout ratio of 77.9%.
Return on equity was 4.82% and debt-to-equity 0.18.
Its Piotroski F-score is 6 out of 9 for fiscal 2025.