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CIB

Grupo Cibest S.A.

CIB

Grupo Cibest S.A. • NYSE
$63.06 ▲ 0.57% (+0.36)
Market Cap $15.05 B
52w High $65.00
52w Low $31.19
Dividend Yield 15.25%
P/E 7.72
Volume 178.27K
Outstanding Shares 238.64M

Income Statement

Period Revenue Operating Expense Net Income Net Profit Margin Earnings Per Share EBITDA
Q2-2025 $10.529T ▲ $3.594T ▲ $1.791T ▲ 17.012% ▲ $7.45K ▲ $2.738T ▲
Q1-2025 $10.287T ▼ $3.37T ▼ $1.738T ▲ 16.892% ▲ $7.288K ▲ $2.72T ▲
Q4-2024 $11.008T ▲ $4.02T ▲ $1.663T ▲ 15.11% ▲ $6.917K ▲ $2.705T ▲
Q3-2024 $10.686T ▼ $3.347T ▼ $1.501T ▲ 14.048% ▲ $6.243K ▲ $2.362T ▲
Q2-2024 $10.766T $3.561T $1.44T 13.374% $5.988K $2.073T

Balance Statement

Period Cash & Short-term Total Assets Total Liabilities Total Equity
Q2-2025 $36.461T ▲ $375.251T ▲ $332.866T ▲ $41.294T ▲
Q1-2025 $30.195T ▲ $364.125T ▼ $322.436T ▼ $40.634T ▼
Q4-2024 $30.059T ▼ $372.215T ▲ $327.631T ▲ $43.542T ▲
Q3-2024 $30.724T ▼ $353.433T ▲ $311.519T ▼ $40.899T ▲
Q2-2024 $31.465T $352.199T $311.994T $39.22T

Cash Flow Statement

Period Net Income Cash From Operations Cash From Investing Cash From Financing Net Change Free Cash Flow
Q2-2025 $1.829T ▲ $6.258T ▲ $-623.814B ▼ $-1.984T ▲ $3.08T ▲ $5.802T ▲
Q1-2025 $1.765T ▲ $432.851B ▲ $-78.137B ▲ $-4.003T ▼ $-4.569T ▼ $151.545B ▲
Q4-2024 $1.699T ▲ $-3.015T ▲ $-1.076T ▼ $10.573T ▲ $6.469T ▲ $-3.947T ▲
Q3-2024 $1.501T ▲ $-4.622T ▼ $175.026B ▲ $-749.525B ▼ $-5.09T ▼ $-4.954T ▼
Q2-2024 $1.462T $-881.483B $158.553B $3.501T $4.779T $-1.411T

Five-Year Company Overview

Income Statement

Income Statement Revenue has grown steadily over the last five years, more than doubling from the pandemic low and reaching a new high in the most recent year. Operating profit has also stayed strong, which suggests the core banking franchise is healthy and efficient. That said, net profit peaked a couple of years ago and is now slightly lower even as revenue keeps rising, which hints at some pressure from costs, funding, or credit provisions. Overall profitability still looks solid, but the slight decoupling between sales growth and bottom‑line growth is a subtle shift worth paying attention to.

Balance Sheet

Balance Sheet The balance sheet shows a clear expansion of the business: total assets have grown consistently, and shareholder equity has risen meaningfully, indicating a stronger capital base over time. Debt levels have moved around but have not exploded, so leverage appears to be more controlled than in the past. Cash levels are healthy, though they fluctuate, which is typical for a regional bank managing deposits and loans. In simple terms, the institution looks larger and better capitalized today than it was a few years ago, which supports resilience but also reflects a bigger, more complex balance sheet to manage.

Cash Flow

Cash Flow The cash picture is more mixed than the income statement. For several years, the bank generated positive operating and free cash flow, comfortably covering its modest investment spending. In the latest year, however, operating cash flow swung into the red and free cash flow followed, despite the business remaining profitable. For a bank, this often signals faster loan growth or sizable shifts in deposits and funding rather than a deterioration of the franchise, but it still represents heavier use of cash. If that pattern continued, it would raise questions about liquidity management and the cost of funding future growth; as a one‑year event, it mainly shows how aggressively the bank is expanding its book.

Competitive Edge

Competitive Edge CIB operates from a position of clear strength in its home region. It benefits from a long‑established brand, a leading market share, and a broad physical footprint of branches and ATMs, which still matter in Latin America. Strict banking regulation and the scale required to compete create natural barriers for smaller or new entrants. At the same time, CIB has complemented this traditional strength with a rapidly growing digital presence, making it harder for pure‑play fintechs to dislodge it. Customers that use the bank for multiple services—from everyday banking to investments and corporate finance—face meaningful switching costs, giving the group a relatively “sticky” and defensible customer base, even if competition from nimble fintechs keeps pressure on fees and service quality.

Innovation and R&D

Innovation and R&D Innovation is a central pillar of CIB’s strategy rather than a side project. Nequi, its digital platform, has become a massive ecosystem in its own right, especially among younger and previously unbanked clients, and is now expanding beyond Colombia. This gives CIB a laboratory for testing new products—like small digital loans, investments, and remittances—using modern data and risk tools. Beyond Nequi, the group is experimenting with blockchain, AI, digital asset platforms (Wenia), and online payment solutions (Wompi), all of which extend its reach into payments, savings, and investments. The key opportunity is to turn this innovation push into durable revenue streams and efficiency gains, while the main risk is execution: integrating multiple digital initiatives, managing regulatory scrutiny, and avoiding fragmentation across brands and platforms.

Summary

Overall, CIB looks like a mature regional bank that has successfully grown out of the pandemic shock and is now leaning hard into digital banking. The income statement tells a story of strong growth and solid profitability, even if margins are not quite at their recent peak. The balance sheet is larger and better capitalized, supporting resilience and future expansion. Cash flows, however, show that recent growth has required significant cash outlay, which is typical for a fast‑growing lender but still something to watch. Strategically, the group enjoys a strong position built on scale, brand, and regulation, while its digital platforms—especially Nequi—add a modern edge and a path to growth in younger and underbanked segments. The big questions going forward are how well CIB balances rapid digital expansion with risk and liquidity controls, and how effectively it can turn its innovation portfolio into stable, long‑term earnings without eroding the strength of its core banking franchise.

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