Grupo Cibest S.A. (CIB) - Net Assets
Based on the latest financial reports, Grupo Cibest S.A. (CIB) has net assets worth $37.62 Trillion USD as of March 2026. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($389.14 Trillion) and total liabilities ($351.53 Trillion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off. Check Grupo Cibest S.A. (CIB) tangible equity ratio to evaluate the tangible quality of the company's equity base.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $37.62 Trillion |
| % of Total Assets | 9.67% |
| Annual Growth Rate | 15.25% |
| 5-Year Change | 20.71% |
| 10-Year Change | 82.19% |
| Growth Volatility | 15.32 |
Grupo Cibest S.A. - Net Assets Trend (1998–2025)
This chart illustrates how Grupo Cibest S.A.'s net assets have evolved over time, based on quarterly financial data. See CIB defensive interval ratio to measure how many days the company can operate on defensive assets alone.
Annual Net Assets for Grupo Cibest S.A. (1998–2025)
The table below shows the annual net assets of Grupo Cibest S.A. from 1998 to 2025. For live valuation and market cap data, see CIB market cap overview.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | $40.95 Trillion | -8.15% |
| 2024-12-31 | $44.58 Trillion | +14.17% |
| 2023-12-31 | $39.05 Trillion | -2.37% |
| 2022-12-31 | $40.00 Trillion | +17.90% |
| 2021-12-31 | $33.93 Trillion | +20.67% |
| 2020-12-31 | $28.12 Trillion | -2.40% |
| 2019-12-31 | $28.81 Trillion | +8.07% |
| 2018-12-31 | $26.66 Trillion | +9.11% |
| 2017-12-31 | $24.43 Trillion | +8.69% |
| 2016-12-31 | $22.48 Trillion | +10.14% |
| 2015-12-31 | $20.41 Trillion | +17.51% |
| 2014-12-31 | $17.37 Trillion | +37.35% |
| 2013-12-31 | $12.64 Trillion | +8.93% |
| 2012-12-31 | $11.61 Trillion | +29.06% |
| 2011-12-31 | $8.99 Trillion | +12.17% |
| 2010-12-31 | $8.02 Trillion | +12.31% |
| 2009-12-31 | $7.14 Trillion | +14.19% |
| 2008-12-31 | $6.25 Trillion | +18.15% |
| 2007-12-31 | $5.29 Trillion | +43.19% |
| 2006-12-31 | $3.70 Trillion | +7.82% |
| 2005-12-31 | $3.43 Trillion | +61.21% |
| 2004-12-31 | $2.13 Trillion | +26.73% |
| 2003-12-31 | $1.68 Trillion | +25.65% |
| 2002-12-31 | $1.34 Trillion | +29.68% |
| 2001-12-31 | $1.03 Trillion | +13.64% |
| 2000-12-31 | $906.04 Billion | +18.29% |
| 1999-12-31 | $765.92 Billion | -13.66% |
| 1998-12-31 | $887.12 Billion | -- |
Equity Component Analysis
This analysis shows how different components contribute to Grupo Cibest S.A.'s total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 1096.3% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | $7.19 Trillion | 18.10% |
| Common Stock | $480.40 Billion | 1.21% |
| Other Comprehensive Income | $27.19 Trillion | 68.47% |
| Other Components | $4.85 Trillion | 12.22% |
| Total Equity | $39.71 Trillion | 100.00% |
Grupo Cibest S.A. Competitors by Market Cap
The table below lists competitors of Grupo Cibest S.A. ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
CATHAY PAC.AIRW.HD-20ADR5
F:CTYA
|
$8.96 Billion |
|
Sibanye Gold Ltd ADR
NYSE:SBSW
|
$8.96 Billion |
|
Harel Insurance Investments & Financial Services Ltd
TA:HARL
|
$8.96 Billion |
|
Jack Henry & Associates Inc
NASDAQ:JKHY
|
$8.97 Billion |
|
Petro Rio S.A.
SA:PRIO3
|
$8.96 Billion |
|
Dutch Bros Inc
NYSE:BROS
|
$8.93 Billion |
|
Allegro Microsystems Inc
NASDAQ:ALGM
|
$8.93 Billion |
|
Trelleborg AB (publ)
ST:TREL-B
|
$8.93 Billion |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Grupo Cibest S.A.'s equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 43,542,468,000,000 to 39,712,222,389,000, a change of -3,830,245,611,000 (-8.8%).
- Net income of 6,776,994,187,000 contributed positively to equity growth.
- Dividend payments of 5,196,645,000,000 reduced retained earnings.
- Share repurchases of 431,418,000,000 reduced equity.
- Other comprehensive income increased equity by 20,545,325,907,000.
- Other factors decreased equity by 25,524,502,705,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $6.78 Trillion | +17.07% |
| Dividends Paid | $5.20 Trillion | -13.09% |
| Share Repurchases | $431.42 Billion | -1.09% |
| Other Comprehensive Income | $20.55 Trillion | +51.74% |
| Other Changes | $-25.52 Trillion | -64.27% |
| Total Change | $- | -8.80% |
Book Value vs Market Value Analysis
This analysis compares Grupo Cibest S.A.'s book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 0.00x
- The company is trading below its book value, potentially indicating the market believes the assets are overvalued on the balance sheet or anticipates future losses.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 1998-12-31 | $53350.18 | $81.45 | x |
| 1999-12-31 | $45460.48 | $81.45 | x |
| 2000-12-31 | $24020.19 | $81.45 | x |
| 2001-12-31 | $26774.84 | $81.45 | x |
| 2002-12-31 | $35614.40 | $81.45 | x |
| 2003-12-31 | $44161.24 | $81.45 | x |
| 2004-12-31 | $57778.02 | $81.45 | x |
| 2005-12-31 | $74269.01 | $81.45 | x |
| 2006-12-31 | $80164.26 | $81.45 | x |
| 2007-12-31 | $27911.86 | $81.45 | x |
| 2008-12-31 | $124223.86 | $81.45 | x |
| 2009-12-31 | $142830.46 | $81.45 | x |
| 2010-12-31 | $161398.48 | $81.45 | x |
| 2011-12-31 | $182646.14 | $81.45 | x |
| 2012-12-31 | $218015.00 | $81.45 | x |
| 2013-12-31 | $228809.05 | $81.45 | x |
| 2014-12-31 | $280664.02 | $81.45 | x |
| 2015-12-31 | $320713.46 | $81.45 | x |
| 2016-12-31 | $353786.05 | $81.45 | x |
| 2017-12-31 | $384483.95 | $81.45 | x |
| 2018-12-31 | $413361.56 | $81.45 | x |
| 2019-12-31 | $119796.53 | $81.45 | x |
| 2020-12-31 | $116924.20 | $81.45 | x |
| 2021-12-31 | $141087.57 | $81.45 | x |
| 2022-12-31 | $166339.90 | $81.45 | x |
| 2023-12-31 | $162398.14 | $81.45 | x |
| 2024-12-31 | $181082.33 | $81.45 | x |
| 2025-12-31 | $166645.92 | $81.45 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Grupo Cibest S.A. utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 17.07%
- The company demonstrates strong efficiency in generating profits from shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 15.79%
- • Asset Turnover: 0.11x
- • Equity Multiplier: 9.55x
- Recent ROE (17.07%) is above the historical average (13.02%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 1998 | -1.34% | -0.62% | 0.22x | 9.98x | $-94.12 Billion |
| 1999 | -31.22% | -14.82% | 0.19x | 11.07x | $-291.76 Billion |
| 2000 | -13.18% | -8.95% | 0.15x | 9.94x | $-200.67 Billion |
| 2001 | 16.20% | 9.83% | 0.16x | 10.59x | $60.14 Billion |
| 2002 | 16.29% | 12.33% | 0.13x | 9.81x | $80.80 Billion |
| 2003 | 27.79% | 22.15% | 0.14x | 8.99x | $291.32 Billion |
| 2004 | 27.68% | 22.51% | 0.15x | 8.36x | $368.25 Billion |
| 2005 | 28.03% | 22.75% | 0.14x | 9.12x | $609.04 Billion |
| 2006 | 20.55% | 18.05% | 0.12x | 9.46x | $384.87 Billion |
| 2007 | 20.54% | 25.36% | 0.08x | 9.86x | $557.77 Billion |
| 2008 | 21.10% | 15.79% | 0.13x | 10.10x | $678.96 Billion |
| 2009 | 17.87% | 15.12% | 0.13x | 8.80x | $553.57 Billion |
| 2010 | 18.08% | 20.55% | 0.10x | 8.57x | $641.78 Billion |
| 2011 | 18.50% | 20.28% | 0.10x | 9.50x | $764.56 Billion |
| 2012 | 14.66% | 16.76% | 0.10x | 8.44x | $541.35 Billion |
| 2013 | 12.44% | 14.10% | 0.08x | 10.75x | $296.96 Billion |
| 2014 | 14.15% | 19.49% | 0.08x | 8.87x | $699.90 Billion |
| 2015 | 13.07% | 16.98% | 0.08x | 10.01x | $590.95 Billion |
| 2016 | 13.47% | 14.64% | 0.10x | 9.23x | $738.57 Billion |
| 2017 | 11.31% | 12.55% | 0.10x | 8.82x | $303.70 Billion |
| 2018 | 10.70% | 13.19% | 0.09x | 8.86x | $173.97 Billion |
| 2019 | 10.82% | 14.24% | 0.09x | 8.20x | $236.79 Billion |
| 2020 | 0.98% | 1.28% | 0.08x | 9.09x | $-2.54 Trillion |
| 2021 | 12.05% | 18.84% | 0.07x | 8.54x | $694.25 Billion |
| 2022 | 16.96% | 20.75% | 0.09x | 8.82x | $2.78 Trillion |
| 2023 | 15.66% | 13.54% | 0.13x | 8.78x | $2.21 Trillion |
| 2024 | 14.39% | 14.61% | 0.12x | 8.55x | $1.91 Trillion |
| 2025 | 17.07% | 15.79% | 0.11x | 9.55x | $2.81 Trillion |
Industry Comparison
This section compares Grupo Cibest S.A.'s net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $545,762,800
- Average return on equity (ROE) among peers: 9.48%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Grupo Cibest S.A. (CIB) | $37.62 Trillion | -1.34% | 9.35x | $8.96 Billion |
| Ameris Bancorp (ABCB) | $68.20 Million | 10.85% | 9.15x | $4.95 Billion |
| Ameris Bancorp (ABCB) | $80.66 Million | 12.52% | 9.24x | $5.85 Billion |
| ACNB Corporation (ACNB) | $62.69 Million | 13.30% | 9.05x | $483.21 Million |
| Affinity Bancshares Inc (AFBI) | $80.78 Million | 3.82% | 9.53x | $137.20 Million |
| Alerus Financial Corp (ALRS) | $168.78 Million | 8.32% | 11.15x | $736.27 Million |
| Amalgamated Bank (AMAL) | $585.36 Million | 15.03% | 12.62x | $1.27 Billion |
| Amerant Bancorp Inc. (AMTB) | $1.00 Billion | 3.23% | 8.67x | $979.96 Million |
| Arrow Financial Corporation (AROW) | $371.19 Million | 13.43% | 9.85x | $622.98 Million |
| Associated Banc-Corp (ASB) | $2.94 Billion | 6.41% | 8.44x | $5.45 Billion |
| AmeriServ Financial Inc (ASRV) | $97.98 Million | 7.93% | 10.85x | $62.43 Million |
About Grupo Cibest S.A.
Grupo Cibest S.A., together with its subsidiaries, provides various banking products and services in Colombia and internationally. It offers deposit products, including checking and savings accounts, fixed-term deposits, and investment products; credit alternatives solutions such as trade financing, working capital loans, mortgages, credit cards, personal, vehicle, payroll, and small business loa… Read more