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Grupo Cibest S.A. - Sponsored ADR

CIB Financial Banks Regional

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.

Revenue
+178.9%
EPS
+85.5%
Free cash flow
−187.3%
Total debt
+39.0%

Quarter to June 2026, against a year earlier

92.41 1.97 −2.09%
Market cap
$10.1B
P/E
18.0×
Fwd P/E
—
Dividend yield
4.33%
F-score
6/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — — — — — — — — — — — —
Sell — — — — — — — — — — — —
Insider Ownership 55.81%

Capital & Financial Ratios $m

Size
Market Cap 10,060.00
Revenue ttm 10,669.36
Net income ttm 1,438.30
Free cash flow ttm 1,067.91
Net debt Q (6,469.98)
Valuation
P/E 18.01
Forward P/E —
Price / sales 2.14
Forward P/S Powerpack
Price / FCF 21.35
Price / book 1.93
Financial health
Current ratio Q 0.99
Debt / equity Q 0.18
Interest coverage Q —
Growth
Revenue growth Q +178.87% (above 0%: growing)
Operating income growth Q +209.65% (above 0%: growing)
EPS, this year +161.46% (at or above 15%: strong)
EPS, next year A +7.39%
Revenue, next year A —
EPS, past 5 yrs +64.62% (at or above 15%: strong)
EPS, next 5 yrs A +43.24% (at or above 15%: strong)

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 86.84%
10-year low 10-year high
P/S against its own 10 years 94.93%
10-year low 10-year high
P/B against its own 10 years 97.82%
10-year low 10-year high

Dividends raised 5 years running

Yield
4.33%
Annual rate
4.00
Payout ratio
77.9%
Growth, 2018–26
+14.6%/yr
  1. 1.35 ’18
  2. 1.22 ’19 −9
  3. 1.11 ’20 −9
  4. 0.24 ’21 −78
  5. 2.53 ’22 +943
  6. 3.04 ’23 +20
  7. 3.39 ’24 +12
  8. 3.71 ’25 +9
  9. 4.00 ’26 +8
paid change on the year, %

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%

Earnings Trends EPS, adjusted, against the consensus

Jun 2026 Estimate 2.14 Actual 3.32

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Sep 2025 1.84 2.18 Beat by 0.34
Dec 2025 2.04 1.77 Miss by 0.27
Mar 2026 1.84 1.62 Miss by 0.22
Jun 2026 2.14 3.32 Beat by 1.18
Sep 2026 2.87 — Reports 9 November 2026

EPS $

Mar Jun Sep Dec Year
’26 1.68 3.32 — — —
’25 1.74 1.79 2.18 (2.05) 3.99
’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) 0.33
Fiscal quarters ending in the months shown.

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.

Target Price Range

Analyst price targets

Recommendation Rating

2.8
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Jun ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
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 10,669 +2.4% — — — —
Gross margin, % 69.32 70.20 72.49 72.32 72.97 80.15 74.31 63.14 64.95 66.99 69.28 (2.3) pt
EBT 1,190 1,198 1,085 1,343 93 1,795 1,949 1,630 1,752 1,952 2,886 +5.6%
EBT margin, % 20.11 19.09 17.54 20.06 1.42 27.30 29.65 18.02 20.43 26.71 27.05 +6.6 pt
Net income 886 826 836 964 95 1,262 1,399 1,243 1,273 788 1,438 (1.3%)
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 43.25 +2.4%
Earnings 3.97 3.64 3.40 3.96 0.33 4.27 6.69 6.10 6.30 3.99 5.13 +0.1%
Cash flow 8.47 3.67 1.30 15.37 26.42 14.34 10.30 30.04 0.68 19.25 6.16 +9.5%
Capex (1.25) (0.70) (0.88) (1.65) (2.97) (3.84) (4.89) (3.49) (2.55) (2.74) (1.83) +9.2%
Free cash flow 7.23 2.96 0.42 13.71 23.46 10.50 5.41 26.55 (1.87) 16.50 4.33 +9.6%
Book value 52.89 30.48 33.26 35.94 66.15 79.82 62.74 61.25 69.94 64.37 47.90 +2.2%
Shares, m 128 240 240 240 128 128 128 128 128 127 157 0.0%
Valuation, ×
Valuation, × P/E 8.69 11.13 10.41 13.87 154.54 7.15 4.12 5.12 3.80 17.38 18.01 23.6
P/S 1.51 1.56 1.48 1.97 1.48 1.16 0.47 0.39 0.47 1.11 2.14 1.2
P/B 1.33 1.34 1.15 1.52 1.15 0.75 0.38 0.45 0.45 0.99 1.93 1.0
EV/Sales 1.42 1.64 1.56 1.80 1.27 1.35 0.10 (0.17) 0.33 0.75 — 1.0
EV/FCF 22.64 (11.59) 4.36 2.39 1.17 1.15 0.08 (0.18) (11.92) 2.60 — 1.1
Cash, $m
Cash, $m Operating cash flow 1,080 882 313 3,695 3,369 1,829 1,313 3,831 87 2,452 1,520 +9.5%
Capex (159) (169) (211) (397) (378) (490) (623) (445) (326) (350) (452) +9.1%
Free cash flow 921 713 102 3,298 2,991 1,339 689 3,385 (238) 2,102 1,068 +9.6%
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 (790) (14.6%)
Net debt (527) 445 467 (1,145) (1,372) 1,295 (2,414) (5,027) (1,176) (2,630) (6,470) +19.6%
Shareholders’ equity 6,743 7,329 7,997 8,642 8,435 10,178 8,000 7,810 8,917 8,199 11,819 +2.2%
Returns, %
Returns, % ROA 0.68 1.31 0.68 0.74 0.07 0.81 0.92 0.94 0.94 0.55 1.23 (0.1) pt
ROIC 11.97 9.63 8.01 11.20 0.82 9.78 21.81 36.60 14.14 21.91 33.72 +9.9 pt
ROE 6.24 11.15 5.64 6.07 0.62 7.08 7.98 8.28 8.02 4.82 11.82 (1.4) pt
People
People Employees 34,567 31,061 31,040 31,075 30,633 31,245 33,140 34,756 34,114 33,951 — (0.2%)
Revenue/emp, $m 0.17 0.20 0.20 0.22 0.21 0.21 0.20 0.26 0.25 0.22 — +2.6%
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026 · fundamentals updated 26 Oct 2026

Grupo Cibest S.A. - Sponsored ADR vs peers in Banks Regional (Q) = latest quarter vs a year earlier

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 $11.0B 16.4× 16.5× −39.55% (below 0%: shrinking) n/m +664.86% (above 0%: growing) 52.50% 0.00% Compare
WTFC Wintrust Financial Corporation $10.2B 11.5× 11.4× +4.06% (above 0%: growing) +21.28% (above 0%: growing) −23.80% (below 0%: shrinking) 66.53% 0.00% Compare
UMBF UMB Financial Corporation $10.2B 10.1× 9.8× +4.21% (above 0%: growing) +53.84% (above 0%: growing) +39.21% (above 0%: growing) 68.49% 0.00% Compare
SSB SouthState Bank Corporation $10.1B 11.1× 11.3× −2.24% (below 0%: shrinking) −5.33% (below 0%: shrinking) +285.97% (above 0%: growing) 71.49% 0.00% Compare
CIB Grupo Cibest S.A. - Sponsored ADR $10.1B 18.0× — +178.87% (above 0%: growing) +85.47% (above 0%: growing) −187.28% (below 0%: shrinking) 71.39% 0.00%
BPOP Popular, Inc. $9.8B 10.5× 9.7× +4.48% (above 0%: growing) +40.78% (above 0%: growing) +46.43% (above 0%: growing) 75.20% 0.00% Compare
CFR Cullen/Frost Bankers, Inc. $9.7B 14.6× 14.2× +2.95% (above 0%: growing) +6.37% (above 0%: growing) +21.44% (above 0%: growing) 78.65% 0.00% Compare
ONB Old National Bancorp $9.5B 10.2× 9.8× −0.23% (below 0%: shrinking) +43.48% (above 0%: growing) +11.48% (above 0%: growing) 68.19% 0.00% Compare
ZION Zions Bancorporation, N.A. $9.5B 8.0× 8.2× −0.80% (below 0%: shrinking) +20.27% (above 0%: growing) +518.28% (above 0%: growing) 70.88% 0.00% Compare
Median of peers $10.0B 10.8× 10.6× +1.36% +21.28% +42.82% 69.69% 0.00%

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CIB metrics, ten years each

stockrow.com/CIB · Data as of Oct 26, 2026 · For information only; not investment advice. · © 2026 stockrow.com