CIB Financial Services

Grupo Cibest S.A.

$92.75+0.74%

Price as of close on Nov 3, 2026 · Financials updated Nov 2, 2026

Basics

Sector: Financial Services
Industry: Banks - Regional
Country: Colombia
Market cap: 21.9B USD
Full-time employees: 31,568

Overall health

Drawback: less profitable than most peersless profitable than peers
Drawback: growing more slowly than most peersgrowing more slowly than peers
Drawback: its shares are priced higher than most peers relative to what it earnspriced higher than peers for its earnings

Ranks #760 of 791 banks & insurance companies (bottom 5%)

Based on 3 categories: banks and insurers are not rated on risk.

Scored as a bank or insurer: cash-flow, EBITDA, gross margin and current ratio aren’t scored; they are under “Other data”.

See how it ranks against its peers

Worth knowing

Financials may be out of date. Latest financial period ended 10 months ago.
The latest financial period we have ended 10 months ago, so the scores may not reflect recent results.

StockQuotient Score

16/ 100

Oct 5 16 → Nov 4 16

Valuation

Is the price right?

5/100

Weak

2/2 inputs reported · High confidence

Why

Weaker than most peers on:

▼ P/B
▼ Earnings yield

Compare with peers

Behind the score

Earnings yield (P/E) and book yield (P/B) versus other banks and insurers.

Book yield28.6%

SEC filings (IFRS mapped) · latest balance sheet · COP→USD at the current rateReported value40% base weight · Z-score -1.79Sector median: 0.7950 · MAD: 0.2843

Earnings yield2.7%

SEC filings (IFRS mapped) · 12 months to Dec 2025 · COP→USD at the current rateReported value60% base weight · Z-score -2.03Sector median: 0.0789 · MAD: 0.0253

Other data (not scored)

EBITDA yieldUnavailable

Missing · left out of the scoreInformational · 0% composite weightSector median: 0.1095 · MAD: 0.0527

Free cash flow yield7.2%

SEC filings (IFRS mapped) · 12 months to Dec 2025 · COP→USD at the current rate · operating cash flow − capital spendingReported valueInformational · 0% composite weightSector median: 0.0796 · MAD: 0.0459

Growth

Is it growing?

5/100

Weak

1/1 inputs reported · High confidence

Why

Weaker than most peers on:

▼ EPS growth

Compare with peers

Behind the score

Earnings-per-share growth versus other banks and insurers.

Earnings per share growth-38.5%

Yahoo Finance fallback · SEC figure unavailable or out of date · fiscal year to Dec 2025Reported value100% base weight · Z-score -3.07Sector median: 0.1599 · MAD: 0.1775

Other data (not scored)

3-year revenue growth4.4%

Yahoo Finance fallback · SEC figure unavailable or out of date · 3 fiscal years to Dec 2025Reported valueInformational · 0% composite weightSector median: 0.0826 · MAD: 0.0558

Revenue growth5.1%

Yahoo Finance fallback · SEC figure unavailable or out of date · fiscal year to Dec 2025Reported valueInformational · 0% composite weightSector median: 0.0866 · MAD: 0.0782

Profitability

Does it earn well?

38/100

Weak▼ 1 since Oct 27 close

2/2 inputs reported · High confidence

Why it changed since the Oct 27, 2026 close: Score 39 → 38

Peer companies moved-1

Each step re-scores the company against its peers as they were on Oct 28, 2026; the parts add up to the change. Price effects on EBITDA yield are approximate.

Why

Close to the peer norm on every measure.

Compare with peers

Behind the score

Return on equity and return on assets versus other banks and insurers.

Return on assets1.0%

SEC filings (IFRS mapped) · 12 months to Dec 2025Reported value50% base weight · Z-score -0.27Sector median: 0.0117 · MAD: 0.0062

Return on equity9.6%

SEC filings (IFRS mapped) · 12 months to Dec 2025Reported value50% base weight · Z-score -0.29Sector median: 0.1074 · MAD: 0.0388

Other data (not scored)

Gross marginUnavailable

Missing · left out of the scoreInformational · 0% composite weightSector median: Unavailable · MAD: Unavailable

Operating marginUnavailable

Missing · left out of the scoreInformational · 0% composite weightSector median: 0.1450 · MAD: 0.1678

Return on invested capitalUnavailable

Missing · left out of the scoreInformational · 0% composite weightSector median: Unavailable · MAD: Unavailable

Risk

Debt, liquidity, price swings

Not rated

Not rated for banks and insurers: debt and share-price swings say little about their risk. We leave it blank rather than fill the gap with a made-up middle value.

Valuation, growth and profitability scores: higher is better. Risk: 0 is lower, 2 is higher. Risk is a relative proxy, not a bankruptcy probability. Scores depend on available sector peers.

Questions investors ask about Grupo Cibest

Is Grupo Cibest getting weaker?: A comparison of its latest SEC filing with the previous one isn't available yet. Its overall score is unchanged at 16/100 since Oct 28, 2026.
How is Grupo Cibest valued vs its peers?: Priced higher than most peers relative to what it earns. Valuation scores 5/100 against 950 banks & insurance peers. Book yield 28.6% vs a peer median of 79.5% (weaker than 92% of peers).Book yield 28.6% vs peers 79.5% (weaker than 92% of peers).
Is Grupo Cibest growing?: More slowly than most of its peers. Growth scores 5/100 against 950 banks & insurance peers. Earnings per share growth -38.5% vs a peer median of 16.0% (weaker than 95% of peers).Earnings per share growth -38.5% vs peers 16.0% (weaker than 95% of peers).
How profitable is Grupo Cibest?: Less profitable than most of its peers. Profitability scores 38/100 against 950 banks & insurance peers.
How risky is Grupo Cibest?: Not rated for banks and insurers: debt and share-price swings say little about their risk.

Financials

Fiscal years from SEC annual filings · change vs the prior year · amounts in COP, as reported

Key ratios	FY 2023	FY 2024	FY 2025	Change
Return on assets (ROA)	—	1.7%	1.0%	▼ 0.7 pts
Return on equity (ROE)	15.7%	14.4%	9.6%	▼ 4.8 pts
Debt to equity	—	0.36×	0.24×	▼ 35%

CIB price history

Price history is added with the daily price update and will appear after the next one.

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Sector leaderboards

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Bringing the fundamentals into focus…

Overall health

Drawback: less profitable than most peersless profitable than peers

Drawback: growing more slowly than most peersgrowing more slowly than peers

Drawback: its shares are priced higher than most peers relative to what it earnspriced higher than peers for its earnings

Ranks #760 of 791 banks & insurance companies (bottom 5%)

Based on 3 categories: banks and insurers are not rated on risk.

Scored as a bank or insurer: cash-flow, EBITDA, gross margin and current ratio aren’t scored; they are under “Other data”.

See how it ranks against its peers

Questions investors ask about Grupo Cibest

Is Grupo Cibest getting weaker?

A comparison of its latest SEC filing with the previous one isn't available yet. Its overall score is unchanged at 16/100 since Oct 28, 2026.

How is Grupo Cibest valued vs its peers?

Priced higher than most peers relative to what it earns. Valuation scores 5/100 against 950 banks & insurance peers. Book yield 28.6% vs a peer median of 79.5% (weaker than 92% of peers).Book yield 28.6% vs peers 79.5% (weaker than 92% of peers).

Is Grupo Cibest growing?

More slowly than most of its peers. Growth scores 5/100 against 950 banks & insurance peers. Earnings per share growth -38.5% vs a peer median of 16.0% (weaker than 95% of peers).Earnings per share growth -38.5% vs peers 16.0% (weaker than 95% of peers).

How profitable is Grupo Cibest?

Less profitable than most of its peers. Profitability scores 38/100 against 950 banks & insurance peers.

How risky is Grupo Cibest?

Not rated for banks and insurers: debt and share-price swings say little about their risk.

Key ratios

FY 2023

FY 2024

FY 2025

Change

Return on assets (ROA)

—

1.7%

1.0%

▼ 0.7 pts

Return on equity (ROE)

15.7%

14.4%

9.6%

▼ 4.8 pts

Debt to equity

—

0.36×

0.24×

▼ 35%