Grupo Cibest S.A. (CIB) AI Stock Analysis

Grupo Cibest S.A. (Bancolombia S.A.) provides banking products and financial services across Colombia, Panama, Puerto Rico, El Salvador, Costa Rica, and Guatemala. Established in 1945 and headquartered in Medellín, Colombia, the institution operates through nine segments covering regional banking, trust services, investment banking, brokerage, international banking, and other specialized lines. Core offerings include deposit accounts, trade financing, working capital loans, personal and vehicle financing, and mortgages. It also provides credit cards, payroll loans, factoring, financial leasing, hedging, investment advisory, and private banking covering equities, futures, foreign exchange, fixed income, and mutual funds, supported by online banking and insurance products.

Revenue reached $42.92T in FY2025, essentially flat compared to $42.91T in FY2024 after dropping 5.0% from $45.18T in FY2023. Over the five years from FY2020 to FY2025, revenue posted a CAGR of 14.7%. Net income rose to $6.78T in FY2025 from $6.27T in FY2024 and $6.12T in FY2023, yielding a FY2025 net margin of 15.8% and EPS of $7.48. For the trailing twelve months ended June 30, 2026, revenue stood at $24.71T with a profit margin of 17.6% and EPS of $8.30. In the latest quarter ended June 30, 2026, quarterly revenue grew 26.0% year-over-year while quarterly earnings increased 53.2%.

As of June 30, 2026, Grupo Cibest held $26.83T in cash and short-term investments against total debt of $23.72T, resulting in net cash of $3.11T. Shareholders' equity was $36.88T out of $351.19T in total assets, with a debt-to-equity ratio of 0.64 and a current ratio of 4.16. In FY2025, operating cash flow recovered to $12.26T and free cash flow reached $10.01T. Capital deployment in FY2025 included $2.24T in capital expenditures, $5.20T in dividends paid, and $431.42B in share buybacks.

CIB carries a market capitalization of $23.12B and trades at a trailing P/E of 11.8x, slightly below the 12.1x median of its US-listed Financial Services peers. Its forward P/E of 7.2x is also below the peer median of 10.8x, with a PEG ratio of 0.43. Price to sales stands at 1.4x versus the peer median of 3.2x, while price to book is 2.0x. Over the past year, CIB returned 85.8%, outperforming the S&P 500 ETF (SPY) return of 16.8%, and over five years returned 397.9% compared to 83.0% for SPY.

Grupo Cibest pays a quarterly dividend with a forward annual rate of $4.00, representing a dividend yield of 4.08%. The payout ratio is 62.5%, supported by 32 consecutive years of dividend payments. Over the past five years, the dividend grew at an annualized rate of 38.1%. The stock's last ex-dividend date was September 30, 2026.

Wall Street analyst coverage consists of 1 Strong Buy, 1 Buy, 8 Holds, 0 Sells, and 1 Strong Sell. The mean price target is $83.08, representing a -15.1% change from the last closing price of $97.91. For the fiscal year ending December 31, 2026, consensus estimates project EPS of $10.56, up 31.2%, on revenue of $31.22T. Over the last four quarters, the bank exceeded EPS estimates twice. The next earnings date is November 5, 2026.

This page is an AI-written research summary of Grupo Cibest S.A. (CIB). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

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