Financial Ratios Grupo Cibest S.A.

Equities

CIBEST

COTK7PA00010

Banks

End-of-day quote Bolsa De Valores De Colombia Other stock markets 2026-03-13			5-day change	1st Jan Change
80,980.00 ^COP	+2.32%		+1.22%	+17.02%

Feb. 24	Grupo Cibest S.A., Q4 2025 Earnings Call, Feb 24, 2026
Feb. 23	Grupo Cibest S.A. Reports Earnings Results for the Fourth Quarter Ended December 31, 2025	CI

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Published financial data: GRUPO CIBEST S.A.

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2020	2021	2022	2023	2024
Interest Income On Loans	16,133B	15,354B	24,783B	35,241B	32,614B
Interest Income On Investments	464B	640B	2,249B	2,016B	3,035B
Interest Income, Total	16,597B	15,994B	27,033B	37,256B	35,649B
Interest On Deposits	5,863B	4,352B	8,442B	16,668B	15,024B
Interest Expense, Total	5,863B	4,352B	8,442B	16,668B	15,024B
Net Interest Income	10,734B	11,642B	18,590B	20,588B	20,625B
Gain (Loss) on Sale of Assets	65.93B	227B	171B	171B	103B
Gain (Loss) on Sale of Invest. & Securities - (Rev)	505B	484B	-	-	-
Total Other Non Interest Income	4,330B	5,300B	5,349B	7,581B	6,869B
Non Interest Income, Total	4,901B	6,011B	5,520B	7,752B	6,972B
Revenues Before Provison For Loan Losses	15,635B	17,653B	24,110B	28,340B	27,597B
Provision For Loan Losses	7,336B	2,521B	3,721B	7,461B	5,414B
Total Revenues	8,299B	15,132B	20,389B	20,878B	22,183B
Salaries And Other Employee Benefits	3,045B	3,783B	4,418B	5,350B	5,628B
Occupancy Expense	838B	921B	977B	1,120B	1,117B
Selling General & Admin Expenses, Total	3,141B	3,522B	4,560B	5,034B	5,445B
Total Other Non Interest Expense	972B	938B	930B	1,433B	1,443B
Non Interest Expense, Total	7,995B	9,163B	10,884B	12,938B	13,633B
EBT, Excl. Unusual Items	304B	5,969B	9,505B	7,941B	8,551B
Total Merger & Related Restructuring Charges	-	-	-	-	-
Asset Writedown	-3.5B	-	233B	193B	199B
Other Unusual Items	8.21B	15.18B	6.83B	13.86B	7.95B
EBT, Incl. Unusual Items	309B	5,984B	9,745B	8,148B	8,758B
Income Tax Expense	-6.59B	1,776B	2,748B	1,933B	2,392B
Earnings From Continuing Operations	315B	4,208B	6,996B	6,215B	6,366B
Earnings Of Discontinued Operations	-	-	-	-	-
Net Income to Company	315B	4,208B	6,996B	6,215B	6,366B
Minority Interest	-39.36B	-121B	-213B	-98.04B	-97.84B
Net Income - (IS)	276B	4,087B	6,783B	6,117B	6,268B
Net Income to Common Incl Extra Items	276B	4,087B	6,783B	6,117B	6,268B
Net Income to Common Excl. Extra Items	276B	4,087B	6,783B	6,117B	6,268B
Per Share Items
Net EPS - Basic	286.95	4.25K	7.05K	6.36K	6.52K
Basic EPS - Continuing Operations	286.95	4.25K	7.05K	6.36K	6.52K
Basic Weighted Average Shares Outstanding	962M	-	962M	-	-
Net EPS - Diluted	286.95	4.25K	7.05K	6.36K	6.52K
Diluted EPS - Continuing Operations	286.95	4.25K	7.05K	6.36K	6.52K
Diluted Weighted Average Shares Outstanding	962M	-	962M	-	-
Normalized Basic EPS	156.66	3.75K	5.96K	5.06K	5.45K
Normalized Diluted EPS	156.66	3.75K	5.96K	5.06K	5.45K
Dividend Per Share	260	3.12K	3.54K	3.54K	3.9K
Payout Ratio	563.72	11.43	34.06	53.92	54.23
American Depositary Receipts Ratio (ADR)	1	1	1	1	1
Supplemental Items
Effective Tax Rate - (Ratio)	-2.13	29.68	28.2	23.72	27.32
Total Current Taxes	669B	1,249B	2,605B	1,733B	1,653B
Total Deferred Taxes	-675B	527B	143B	200B	739B
Normalized Net Income	151B	3,610B	5,728B	4,865B	5,246B

Fiscal Period: December	2020	2021	2022	2023	2024
Assets
Cash And Equivalents	15,507B	15,219B	19,169B	20,710B	19,617B
Investment Securities, Total	16,741B	17,181B	22,587B	24,279B	22,615B
Trading Asset Securities, Total	18,441B	17,576B	16,104B	18,486B	26,545B
Total investments	35,182B	34,757B	38,691B	42,765B	49,160B
Gross Loans	200,060B	230,240B	287,158B	273,190B	296,205B
Allowance For Loan Losses	-16,616B	-15,864B	-15,480B	-16,223B	-16,180B
Other Adjustments to Gross Loans	-8,651B	-9,916B	-17,235B	-19,238B	-16,751B
Net Loans	174,794B	204,459B	254,444B	237,729B	263,274B
Gross Property Plant And Equipment	8,193B	9,390B	11,722B	11,446B	11,431B
Accumulated Depreciation	-2,230B	-2,594B	-3,168B	-3,289B	-3,767B
Net Property Plant And Equipment	5,963B	6,797B	8,554B	8,157B	7,663B
Goodwill	7,012B	8,143B	9,837B	7,818B	9,017B
Other Intangibles, Total	496B	486B	603B	672B	750B
Investment in Real Estate	2,839B	3,132B	3,994B	4,710B	5,580B
Accrued Interest Receivable	-	-	-	-	-
Other Receivables	1,333B	726B	2,547B	2,605B	1,986B
Restricted Cash	7,872B	9,818B	9,602B	11,248B	8,035B
Other Current Assets, Total	3,112B	3,586B	3,372B	4,158B	5,367B
Deferred Tax Assets Long-Term (Collected)	675B	746B	765B	686B	764B
Other Long-Term Assets, Total	784B	1,987B	1,237B	1,672B	1,001B
Total Assets	255,569B	289,855B	352,815B	342,929B	372,215B
Liabilities
Accounts Payable, Total	1,120B	1,436B	2,333B	1,653B	5,388B
Accrued Expenses, Total	323B	878B	1,000B	1,132B	1,105B
Interest Bearing Deposits	181,583B	211,277B	251,894B	248,547B	279,776B
Institutional Deposits	-	-	-	-	-
Non-Interest Bearing Deposits	-	-	-	-	-
Total Deposits	181,583B	211,277B	251,894B	248,547B	279,776B
Short-Term Borrowings	4,597B	2,724B	4,927B	7,181B	3,740B
Current Portion of Long-Term Debt	3,851B	2,550B	9,728B	4,688B	8,352B
Current Portion of Leases	6.44B	6.36B	13.64B	20.2B	21.8B
Long-Term Debt	27,062B	27,680B	30,125B	26,209B	19,197B
Long-Term Leases	1,812B	1,813B	1,887B	1,753B	1,868B
Current Income Taxes Payable	296B	262B	965B	164B	156B
Other Current Liabilities - (Bank / Utility Template)	616B	794B	1,802B	1,691B	1,913B
Unearned Revenue Non Current	89B	132B	154B	278B	174B
Pension & Other Post Retirement Benefits	824B	838B	765B	883B	952B
Deferred Tax Liability Non-Current	1,056B	1,017B	633B	1,785B	2,579B
Other Non Current Liabilities	4,216B	4,522B	6,590B	7,895B	2,411B
Total Liabilities	227,453B	255,930B	312,817B	303,879B	327,631B
Common Stock, Total	481B	481B	481B	481B	481B
Additional Paid In Capital	4,857B	4,857B	4,857B	4,857B	4,857B
Retained Earnings	18,018B	22,022B	25,992B	28,677B	31,559B
Comprehensive Income and Other	3,189B	4,874B	7,758B	4,074B	6,645B
Total Common Equity	26,545B	32,234B	39,089B	38,090B	43,542B
Minority Interest	1,570B	1,691B	909B	960B	1,042B
Total Equity	28,115B	33,925B	39,998B	39,050B	44,584B
Total Liabilities And Equity	255,569B	289,855B	352,815B	342,929B	372,215B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	962M	962M	962M	962M	962M
ECS Total Common Shares Outstanding	962M	962M	962M	962M	962M
Book Value / Share	27.6K	33.51K	40.64K	39.6K	45.27K
Tangible Book Value	19,038B	23,606B	28,650B	29,600B	33,775B
Tangible Book Value Per Share	19.79K	24.54K	29.79K	30.77K	35.12K
Total Debt	37,329B	34,773B	46,680B	39,851B	33,178B
Deposits at Interest - Cash	16,255B	17,093B	22,407B	30,681B	23,246B
Debt Equivalent of Unfunded Proj. Benefit Obligation	824B	838B	765B	883B	952B
Net Debt	3,058B	1,685B	8,532B	-7,187B	-18,707B
Equity Method Investments, Total	2,506B	2,721B	2,916B	2,998B	2,929B
Full Time Employees	30.63K	-	33.14K	34.76K	34.11K
Number Of Offices	1.06K	-	978	831	844
Assets on Operating Lease - Gross	-	3,237B	4,871B	5,018B	4,334B
Assets on Operating Lease - Accumulated Depreciation	-	-699B	-854B	-1,021B	-1,079B

Fiscal Period: December	2020	2021	2022	2023	2024
Net Income	276B	4,087B	6,783B	6,117B	6,268B
Depreciation, Depletion & Amortization	573B	657B	773B	866B	841B
Amortization of Goodwill and Intangible Assets - (CF)	164B	198B	176B	212B	170B
Total Depreciation, Depletion & Amortization	736B	855B	949B	1,078B	1,011B
Gain (Loss) on Sale of Loans & Receivables - (CF)	-	-	-	-	-
(Gain) Loss On Sale of Asset - (CF)	-65.93B	-227B	-171B	-171B	-103B
(Gain) Loss on Sale of Investments - (CF)	-810B	-788B	-1,735B	-1,572B	-2,062B
Total Asset Writedown	101B	-2.37B	-205B	-151B	-93.83B
Provision for Credit Losses	7,773B	3,087B	4,396B	8,232B	6,340B
(Income) Loss On Equity Investments - (CF)	-137B	-200B	-219B	-113B	-223B
Change in Trading Asset Securities	-7,515B	1,834B	6,321B	-1,988B	-8,402B
Change in Accounts Payable	-797B	1,271B	2,720B	946B	-859B
Change in Other Net Operating Assets (Collected)	-7,658B	-24,856B	-37,614B	-11,167B	-23,246B
Other Operating Activities	-1,681B	1,745B	2,125B	917B	3,475B
Cash from Operations	-9,777B	-13,195B	-16,650B	2,128B	-17,894B
Capital Expenditure	-1,530B	-2,186B	-3,539B	-2,412B	-2,042B
Sale of Property, Plant, and Equipment	269B	554B	422B	185B	414B
Cash Acquisitions	-1,118B	-9.18B	-815B	-	-
Divestitures	-	-	-	-	-
Investment in Marketable and Equity Securities, Total	-5,037B	1,135B	-477B	2,419B	1,272B
Other Investing Activities, Total	-106B	-144B	-245B	-351B	-203B
Cash from Investing	-7,522B	-650B	-4,655B	-160B	-559B
Short Term Debt Issued, Total	903B	-	-	-	-
Long-Term Debt Issued, Total	16,220B	5,570B	16,512B	11,942B	14,123B
Total Debt Issued	17,123B	5,570B	16,512B	11,942B	14,123B
Short Term Debt Repaid, Total	-	-	-	-	-
Long-Term Debt Repaid, Total	-20,442B	-10,456B	-13,311B	-14,033B	-19,949B
Total Debt Repaid	-20,442B	-10,456B	-13,311B	-14,033B	-19,949B
Repurchase of Common Stock	-	-	-	-	-
Common Dividends Paid	-1,556B	-467B	-2,311B	-3,298B	-3,399B
Common & Preferred Stock Dividends Paid	-1,556B	-467B	-2,311B	-3,298B	-3,399B
Net Increase (Decrease) in Deposit Accounts - (CF)	21,007B	19,290B	23,214B	17,025B	18,330B
Other Financing Activities, Total	-41.19B	-1,457B	-37.19B	-41.24B	-19.52B
Cash from Financing	16,092B	12,480B	24,068B	11,595B	9,085B
Foreign Exchange Rate Adjustments	1,170B	2,994B	3,552B	-5,408B	2,412B
Net Change in Cash	-36.89B	1,629B	6,315B	8,154B	-6,956B
Supplemental Items
Cash Interest Paid	6,149B	4,411B	7,508B	15,979B	14,982B
Cash Income Tax Paid (Refund)	359B	1,441B	2,057B	2,738B	1,955B
Net Debt Issued / Repaid	-3,318B	-4,886B	3,201B	-2,091B	-5,826B

Fiscal Period: December	2020	2021	2022	2023	2024
Profitability
Return on Assets	0.13	1.54	2.18	1.79	1.78
Return On Equity %	1.11	13.56	18.93	15.72	15.22
Return on Common Equity	1.03	13.91	19.02	15.85	15.36
Shareholders Value Added	-2,766B	758B	2,680B	1,699B	1,540B
Margin Analysis
SG&A Margin	77.28	54.36	45.11	50.79	50.39
Net Interest Income / Total Revenues %	129.34	76.94	91.18	98.61	92.97
EBT Excl. Non-Recurring Items Margin %	3.66	39.44	46.62	38.03	38.54
Income From Continuing Operations Margin %	3.8	27.81	34.31	29.77	28.7
Net Income Margin %	3.33	27.01	33.27	29.3	28.25
Net Avail. For Common Margin %	3.33	27.01	33.27	29.3	28.25
Normalized Net Income Margin	1.82	23.85	28.09	23.3	23.65
Asset quality
Nonperforming Loans / Total Loans %	8.19	6.92	5.05	5.69	5.91
Nonperforming Loans / Total Assets %	6.41	5.49	4.11	4.53	4.7
Nonperforming Assets / Total Assets %	6.41	5.49	4.11	4.53	4.7
NPAs / Loans and OREO	8.19	6.92	5.05	5.69	5.91
NPAs / Equity	58.25	46.94	36.25	39.79	39.28
Allowance for Credit Losses / Net Charge-offs %	768.02	354.83	281.96	272.68	233.49
Allowance for Credit Losses / Nonperforming Loans %	101.45	99.63	106.78	104.42	92.4
Allowance for Credit Losses / Total Loans %	8.31	6.89	5.39	5.94	5.46
Provision for Loan Losses / Net Charge-offs %	339.07	56.39	67.78	125.42	78.12
Capital And Funding
Total Average Common Equity / Total Average Assets %	10.87	10.78	11.1	11.09	11.41
Total Average Equity / Total Average Assets %	11.58	11.37	11.5	11.36	11.69
Total Equity + Allowance for Loan Losses / Total Loans %	21.57	20.89	19	19.88	20.16
Gross Loans / Total Deposits %	110.18	108.98	114	109.91	105.87
Net Loans / Total Deposits %	96.26	96.77	101.01	95.65	94.1
Tier 1 Capital Ratio %	11.24	11.92	10.37	11.42	11.89
Total Capital Ratio %	14.74	15.49	12.79	13.4	13.75
Tier 2 Capital Ratio	3.5	3.57	2.41	1.98	1.86
Equity Tier 1 Capital Ratio	7.5	-	8.21	8.66	-
Coverage Ratio	101.45	99.63	106.78	104.42	92.4
Interbank Ratio	59.12	52.79	61.61	116.19	90.12
Fixed Charges Coverage
EBT + Interest Expense / Interest Expense	1.05	2.38	2.15	1.49	1.58
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	-2.92	8.46	53.48	10.75	0.18
Non Interest Income, 1 Yr. Growth %	-0.75	22.75	0.87	40.43	-10.06
Provision For Loan Losses, 1 Yr. Growth %	116.7	-65.63	47.6	100.5	-27.45
Total Revenues, 1 Yr. Growth %	-34.18	82.41	35.35	2.4	6.25
Earnings From Cont. Operations, 1 Yr. Growth %	-90.19	1.23K	66.27	-11.17	2.42
Net Income, 1 Yr. Growth %	-91.15	1.38K	65.99	-9.83	2.47
Normalized Net Income, 1 Yr. Growth %	-94.26	2.33K	60.58	-15.06	7.84
Diluted EPS Before Extra, 1 Yr. Growth %	-91.15	1.38K	65.99	-9.83	2.47
Dividend Per Share, 1 Yr. Growth %	-77.74	1.1K	13.33	0	10.29
Gross Loans, 1 Yr. Growth %	4.24	15.09	24.72	-4.86	8.42
Allowance For Loan Losses, 1 Yr. Growth %	52.03	-4.52	-2.43	4.8	-0.27
Net Loans, 1 Yr. Growth %	1.98	16.97	24.45	-6.57	10.75
Non Performing Loans, 1 Yr. Growth %	30.89	-2.78	-8.96	7.17	12.71
Non Performing Assets, 1 Yr. Growth %	30.89	-2.78	-8.96	7.17	12.71
Total Assets, 1 Yr. Growth %	8.25	13.42	21.72	-2.8	8.54
Total Deposits, 1 Yr Growth %	14.51	16.35	19.22	-1.33	12.56
Tangible Book Value, 1 Yr. Growth %	-3.12	23.99	21.37	3.32	14.1
Common Equity, 1 Yr. Growth %	-1.26	21.43	21.26	-2.56	14.32
Total Equity, 1 Yr. Growth %	-2.4	20.67	17.9	-2.37	14.17
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	1.81	2.61	30.3	30.37	5.33
Non Interest Income, 2 Yr. CAGR %	4.35	10.34	8.53	19.02	12.39
Provision For Loan Losses, 2 Yr. CAGR %	38.01	-13.7	-28.78	72.03	20.61
Total Revenues, 2 Yr. CAGR %	-13.16	9.55	56.74	17.73	4.31
Earnings From Cont. Operations, 2 Yr. CAGR %	-66.36	14.41	371.01	21.53	-4.61
Net Income, 2 Yr. CAGR %	-67.78	14.5	395.77	22.34	-3.88
Normalized Net Income, 2 Yr. CAGR %	-73.05	17.26	516.55	16.79	-4.29
Diluted EPS Before Extra, 2 Yr. CAGR %	-67.78	14.5	395.78	22.34	-3.88
Dividend Per Share, 2 Yr. CAGR %	-51.2	63.44	268.78	6.46	5.02
Gross Loans, 2 Yr. CAGR %	4.74	9.53	19.81	8.93	1.56
Allowance For Loan Losses, 2 Yr. CAGR %	27.41	20.48	-3.48	1.12	2.24
Net Loans, 2 Yr. CAGR %	3.35	9.22	20.65	7.83	1.72
Non Performing Loans, 2 Yr. CAGR %	15.73	12.81	-5.92	-1.22	9.9
Non Performing Assets, 2 Yr. CAGR %	15.73	12.81	-5.92	-1.22	9.9
Total Assets, 2 Yr. CAGR %	7.76	10.8	17.5	8.77	2.71
Total Deposits, 2 Yr CAGR %	12.49	15.43	17.78	8.46	5.39
Tangible Book Value, 2 Yr. CAGR %	3.87	9.6	22.67	11.98	8.58
Common Equity, 2 Yr. CAGR %	3.36	9.5	21.35	8.7	5.54
Total Equity, 2 Yr. CAGR %	2.7	8.52	19.27	7.29	5.58
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	1.62	3.98	18.91	23.43	19.41
Non Interest Income, 3 Yr. CAGR %	3.79	10.12	3.79	18.27	8.41
Provision For Loan Losses, 3 Yr. CAGR %	28.36	-13.17	3.21	0.57	29.01
Total Revenues, 3 Yr. CAGR %	-9.36	11.2	17.37	36	13.77
Earnings From Cont. Operations, 3 Yr. CAGR %	-51.44	14.73	29.59	170.11	14.8
Net Income, 3 Yr. CAGR %	-52.74	15.41	29.59	180.9	15.32
Normalized Net Income, 3 Yr. CAGR %	-59.74	20.29	29.7	218.43	13.72
Diluted EPS Before Extra, 3 Yr. CAGR %	-52.74	15.41	29.59	180.9	15.32
Dividend Per Share, 3 Yr. CAGR %	-36.6	41.9	44.66	138.7	7.72
Gross Loans, 3 Yr. CAGR %	5.78	8.08	14.37	10.94	8.76
Allowance For Loan Losses, 3 Yr. CAGR %	26.42	15.73	12.3	-0.79	0.66
Net Loans, 3 Yr. CAGR %	4.71	7.71	14.07	10.79	8.79
Non Performing Loans, 3 Yr. CAGR %	33.55	9.2	5.03	-1.74	3.22
Non Performing Assets, 3 Yr. CAGR %	33.55	9.2	5.03	-1.74	3.22
Total Assets, 3 Yr. CAGR %	7.82	9.61	14.33	10.3	8.69
Total Deposits, 3 Yr CAGR %	11.23	13.76	16.68	11.03	9.81
Tangible Book Value, 3 Yr. CAGR %	4.92	10.18	13.39	15.85	12.68
Common Equity, 3 Yr. CAGR %	4.72	9.06	13.29	12.79	10.54
Total Equity, 3 Yr. CAGR %	4.8	8.37	11.56	11.57	9.53
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	7.6	3.35	12.69	14.73	13.28
Non Interest Income, 5 Yr. CAGR %	8.95	11.08	4.72	11.49	7.14
Provision For Loan Losses, 5 Yr. CAGR %	34.48	-0.94	1.42	14.14	9.85
Total Revenues, 5 Yr. CAGR %	-1.54	7.01	12.84	13.66	11.96
Earnings From Cont. Operations, 5 Yr. CAGR %	-34.35	8.55	20.5	17.4	14.64
Net Income, 5 Yr. CAGR %	-35.74	7.36	21	18.13	14.99
Normalized Net Income, 5 Yr. CAGR %	-39.3	9.55	19.92	18.59	14.85
Diluted EPS Before Extra, 5 Yr. CAGR %	-35.62	8.63	21	18.13	14.99
Dividend Per Share, 5 Yr. CAGR %	-21.78	26.85	28.23	26.49	27.27
Gross Loans, 5 Yr. CAGR %	5.22	7.48	11.18	8.42	9.07
Allowance For Loan Losses, 5 Yr. CAGR %	25.92	19.09	13.49	9.65	8.16
Net Loans, 5 Yr. CAGR %	4.43	7.1	10.82	7.76	8.96
Non Performing Loans, 5 Yr. CAGR %	36.15	29.49	16.09	4.9	6.95
Non Performing Assets, 5 Yr. CAGR %	36.15	29.49	16.09	4.9	6.95
Total Assets, 5 Yr. CAGR %	5.78	8.11	11.59	9.28	9.53
Total Deposits, 5 Yr CAGR %	8.24	11.13	13.8	11.61	12.03
Tangible Book Value, 5 Yr. CAGR %	9.33	10.13	11.69	10.9	11.44
Common Equity, 5 Yr. CAGR %	6.61	8.67	11.08	8.92	10.12
Total Equity, 5 Yr. CAGR %	6.62	8.58	10.36	7.94	9.13