Financials Grupo Cibest S.A.

Equities

CIBEST

COTK7PA00010

Banks

End-of-day quote Bolsa De Valores De Colombia Other stock markets 2026-03-11			5-day change	1st Jan Change
85,500.00 ^COP	+0.59%		+3.26%	+23.55%

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

Projected Income Statement: Grupo Cibest S.A.

Fiscal Period: December	2020	2021	2022	2023	2024	2025	2026	2027
Net sales ¹	15,707,042	17,239,451	24,424,126	28,551,297	27,843,932	29,642,280	30,241,672	33,021,180
Change	-	9.76%	41.68%	16.9%	-2.48%	6.46%	2.02%	9.19%
EBITDA	-	-	-	-	-	-	-	-
Change	-	-	-	-	-	-	-	-
EBIT ¹	7,835,222	8,404,542	13,536,483	15,609,112	14,210,266	14,875,235	16,056,649	17,423,536
Change	-	7.27%	61.06%	15.31%	-8.96%	4.68%	7.94%	8.51%
Interest Paid	-	-	-	-	-	-	-	-
Earnings before Tax (EBT) ¹	308,773	5,984,012	9,744,786	8,147,526	8,757,917	10,283,948	10,556,058	11,318,340
Change	-	1,838%	62.85%	-16.39%	7.49%	17.42%	2.65%	7.22%
Net income ¹	275,994	4,086,795	6,783,490	6,116,936	6,267,744	7,276,230	7,315,602	8,026,292
Change	-	1,380.76%	65.99%	-9.83%	2.47%	16.09%	0.54%	9.71%
Announcement Date	2/24/21	2/22/22	2/23/23	2/20/24	2/19/25	2/23/26	-	-

¹COP in Million

Estimates

Fiscal Period: December	2020 Q4	2021 Q1	2021 Q2	2021 Q3	2021 Q4	2022 Q1	2022 Q2	2022 Q3	2022 Q4	2023 Q1	2023 Q2	2023 Q3	2023 Q4	2024 Q1	2024 Q2	2024 Q3	2024 Q4	2025 Q1	2025 Q2	2025 Q3	2025 Q4	2026 Q1	2026 Q2	2026 Q3	2026 Q4
Net sales ¹	3,323,912	3,967,657	4,178,692	4,340,047	4,753,055	5,334,177	5,772,114	6,378,344	6,939,492	7,465,970	7,163,663	6,814,010	7,107,651	6,873,410	6,731,909	7,045,258	7,169,261	7,065,560	7,270,875	7,428,981	7,886,760	7,583,387	7,591,034	7,679,593	7,754,323
Change	-	19.37%	5.32%	3.86%	9.52%	12.23%	8.21%	10.5%	8.8%	7.59%	-4.05%	-4.88%	4.31%	-3.3%	-2.06%	4.65%	1.76%	-1.45%	2.91%	2.17%	6.16%	-3.85%	0.1%	1.17%	0.97%
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Change	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBIT	-	-	1,386,873	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Change	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Charge d'intérêts	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Earnings before Tax (EBT) ¹	-232,684	771,847	1,526,747	1,546,938	2,138,480	2,628,482	2,639,616	2,498,808	1,977,883	2,348,664	1,910,490	1,962,017	1,926,353	2,379,891	1,825,077	2,109,677	2,443,272	2,463,687	2,483,996	2,999,076	2,337,187	2,640,374	2,568,004	2,579,204	2,605,001
Change	-	431.71%	97.8%	1.32%	38.24%	22.91%	0.42%	-5.33%	-20.85%	18.75%	-18.66%	2.7%	-1.82%	23.54%	-23.31%	15.59%	15.81%	0.84%	0.82%	20.74%	-22.07%	12.97%	-2.74%	0.44%	1%
Net income ¹	-266,232	542,516	1,156,915	942,620	1,444,744	1,731,858	1,779,695	1,629,245	1,642,695	1,716,777	1,460,491	1,491,759	1,447,907	1,663,472	1,439,774	1,501,194	1,663,304	1,737,664	1,791,303	2,144,103	1,603,160	1,889,830	1,837,000	1,845,176	1,864,007
Change	-	303.78%	113.25%	-18.52%	53.27%	19.87%	2.76%	-8.45%	0.83%	4.51%	-14.93%	2.14%	-2.94%	14.89%	-13.45%	4.27%	10.8%	4.47%	3.09%	19.7%	-25.23%	17.88%	-2.8%	0.45%	1.02%
Announcement Date	2/24/21	5/4/21	8/11/21	11/3/21	2/22/22	5/11/22	8/9/22	11/10/22	2/23/23	5/10/23	8/9/23	11/8/23	2/20/24	5/9/24	8/8/24	11/7/24	2/19/25	5/5/25	8/6/25	11/6/25	2/23/26	-	-	-	-

¹COP in Million

Estimates

Forecast Balance Sheet: Grupo Cibest S.A.

Fiscal Period: December	2020	2021	2022	2023	2024	2025	2026	2027
Net Debt	-	-	-	-	-	-	-	-
Change	-	-	-	-	-	-	-	-
Announcement Date	2/24/21	2/22/22	2/23/23	2/20/24	2/19/25	2/23/26	-	-

Estimates

Cash Flow Forecast: Grupo Cibest S.A.

Fiscal Period: December	2019	2020	2021	2022	2023	2024
CAPEX ¹	1,555,453	1,530,153	2,185,800	3,538,855	2,412,123	2,042,094
Change	-	-1.63%	42.85%	61.9%	-31.84%	-15.34%
Free Cash Flow (FCF) ¹	-	-	-	-	-	-
Change	-	-	-	-	-	-
Announcement Date	4/27/20	4/23/21	3/31/22	4/3/23	3/26/24	2/21/25

¹COP in Million

Estimates

Forecast Financial Ratios: Grupo Cibest S.A.

Fiscal Period: December	2019	2020	2021	2022	2023	2024	2025	2026	2027
Profitability
EBITDA Margin (%)	-	-	-	-	-	-	-	-	-
EBIT Margin (%)	-	49.88%	48.75%	55.42%	54.67%	51.04%	50.18%	53.09%	52.76%
EBT Margin (%)	-	1.97%	34.71%	39.9%	28.54%	31.45%	34.69%	34.91%	34.28%
Net margin (%)	-	1.76%	23.71%	27.77%	21.42%	22.51%	24.55%	24.19%	24.31%
FCF margin (%)	-	-	-	-	-	-	-	-	-
FCF / Net Income (%)	-	-	-	-	-	-	-	-	-
Profitability
ROA	-	0.11%	1.53%	2.15%	1.78%	1.79%	1.69%	1.95%	1.92%
ROE	-	1.02%	14.03%	19.8%	16.14%	15.77%	17.01%	16.94%	17.15%
Financial Health
Leverage (Debt/EBITDA)	-	-	-	-	-	-	-	-	-
Debt / Free cash flow	-	-	-	-	-	-	-	-	-
Capital Intensity
CAPEX / Current Assets (%)	-	-	-	-	-	-	-	-	-
CAPEX / EBITDA (%)	-	-	-	-	-	-	-	-	-
CAPEX / FCF (%)	-	-	-	-	-	-	-	-	-
Items per share
Cash flow per share ¹	-	-	-	-	-	-	-	-	-
Change	-	-	-	-	-	-	-	-	-
Dividend per Share ¹	-	260	-	-	3,536	-	4,559	4,574	5,085
Change	-	-	-	-	-	-	-	0.32%	11.17%
Book Value Per Share ¹	-	27,599	33,514	40,640	39,601	45,271	46,299	47,357	52,036
Change	-	-	21.43%	21.26%	-2.56%	14.32%	2.27%	2.29%	9.88%
EPS ¹	-	287	4,249	7,053	6,360	6,576	7,565	7,843	8,691
Change	-	-	1,380.74%	65.99%	-9.83%	3.4%	15.04%	0.56%	10.81%
Nbr of stocks (in thousands)	-	961,827	961,827	961,827	961,827	961,827	954,575	954,575	954,575
Announcement Date	-	2/24/21	2/22/22	2/23/23	2/20/24	2/19/25	2/23/26	-	-