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Grupo Cibest S.A.

For the period ended May 15, 2026. Filed May 15, 2026.

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May 15, 2026 · Filed May 15, 2026

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CIB$92.37+0.2%Stored close · as of Nov 6, 2026
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6-K 1 cib-20260331xigcibest1q26.htm 6-K

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington D.C. 20549

FORM 6-K

REPORT OF FOREIGN PRIVATE ISSUER

PURSUANT TO RULE 13a-16 OR 15d-16 OF

THE SECURITIES EXCHANGE ACT OF 1934

For the month of May 2026

Commission File Number 001-32535

Grupo Cibest S.A.

(Translation of registrant’s name into English)

Cra. 48 # 26-85

Medellín, Colombia

(Address of principal executive offices)

Indicate by check mark whether the registrant files or will file annual reports under cover of Form 20-F or Form 40-F.

Form 20-F ☐Form 40-F ☐

Indicate by check mark if the registrant is submitting the Form 6-K in paper as permitted by Regulation S-T Rule 101(b)(1):___

Indicate by check mark if the registrant is submitting the Form 6-K in paper as permitted by Regulation S-T Rule 101(b)(2):___

Indicate by check mark whether the registrant by furnishing the information contained in this form is also thereby furnishing the information to the Commission pursuant to Rule 12g3-2(b) under the Securities Exchange Act of 1934.

Yes ☐No ☐

If “Yes” is marked, indicate below the file number assigned to the registrant in connection with Rule 12g3-2(b): 82-____________ .

SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned, thereunto duly authorized.

GRUPO CIBEST S.A.(Registrant)
Date May 15, 2026By:/s/ MAURICIO BOTERO WOLFF.
Name:Mauricio Botero Wolff.
Title:Vice President of Strategy and Finance

May 15, 2026

Medellin, Colombia

GRUPO CIBEST S.A. RELEASES QUARTERLY REPORT FOR THE FIRST QUARTER OF 2026

On May 4, 2026, Grupo Cibest S.A. (“Grupo Cibest”) furnished on Form 6-K a press release presenting financial information for the fiscal quarter ended March 31, 2026 (the “Press Release”).

The quarterly report for the fiscal quarter ended March 31, 2026 (the “Quarterly Report”) is furnished with this Form 6-K.

Readers should be aware that the consolidated financial information in the Press Release, and the consolidated financial information in the Quarterly Report for the fiscal quarter ended Marxh 31, 2026, are the same, and the Quarterly Report is being furnished solely to fulfill a legal reporting requirement in Colombia. Readers should also be aware that all financial information of Grupo Cibest that is included in the Quarterly Report was prepared in accordance with International Financial Reporting Standards.

Quarterly Report

January - March 2026

Grupo Cibest S.A. and Consolidated Grupo Cibest

Address:

Carrera 48 # 26-85

Medellín, Colombia

ISSUER’S CURRENT SECURITIES

As of March 31, 2026

Type of ShareCommon SharePreferred Share
Trading SystemStock ExchangeStock Exchange
Stock ExchangesColombian Stock Exchange (BVC)Colombian Stock Exchange (BVC)
Shares in Circulation509,103,132440,079,234
Shareholders21,14437,363
Issuance amount509,704,584452,122,416
Amount placed509,704,584452,122,416

Additionally, Grupo Cibest has a Level III ADR listed on the NYSE. Each ADR represents four preferred shares.

GRUPO CIBEST SHARE BUYBACK

On March 24, 2026, Grupo Cibest's shareholders' meeting approved the he transfer of the amount of COP 431,418,157,024.55 from the legal reserve, to be added to the reserve for executing the share buyback program approved at the extraordinary shareholders’ meeting held on June 9, 2025. Furthermore, the shareholders’ meeting of Grupo Cibest authorized the termination of the share buyback program approved at the extraordinary shareholders’ meeting held on June 9, 2025, and authorized the 2026 share buyback program for an amount of up to one trillion three hundred fifty billion Colombian pesos (COP 1,350,000,000,000), for a term of three (3) years counted as from the adoption of the regulations of the program by the Board of Directors. Likewise, it authorized the Board of Directors to approve the share repurchase regulations under which management was authorized to execute said program.

As of March 31, 2026, the results of the program were as follows:

Type of shareNumber of repurchased shares
CIBEST (BVC)601,452
PFCIBEST (BVC)6,905,862
CIB (NYSE)5,137,320*
TOTAL12,644,634

*Number of repurchased ADRs converted into preferred shares.

ISSUER’S CURRENT SECURITIES4
GRUPO CIBEST SHARE BUYBACK4
GLOSSARY OF TERMS7
I. MANAGEMENT’S DISCUSSION & ANALYSIS ON THE RESULTS OF THE OPERATION AND THE FINANCIAL SITUATION OF THE ISSUER, IN RELATION TO THE RESULTS REPORTED IN THE QUARTERLY FINANCIAL STATEMENTS8
Statement Of Financial Position Grupo Cibest8
Loan Portfolio8
Funding8
Shareholders’ Equity9
Consolidated Income Statement Grupo Cibest9
Net Interest Income & Interest Margin9
Fees And Income From Services10
Other Operating Income10
Dividends Received, And Share Of Profits10
Asset Quality And Provision Charges10
Operating Expenses11
Taxes12
Consolidated Statement Of Income Grupo Cibest13
Statement Of Financial Position Grupo Cibest14
Separate Grupo Cibest16
II. QUANTITATIVE AND QUALITATIVE ANALYSIS OF THE MARKET RISK TO WHICH THE ISSUER IS EXPOSED AS A RESULT OF ITS INVESTMENTS AND ACTIVITIES SENSITIVE TO MARKET VARIATIONS17
Consolidated17
Non-trading Instruments Market Risk Measurement18
Interest Risk Exposure (Banking Book)18
Sensitivity To Interest Rate Risk Of The Banking Book18
Separated18
III. MATERIAL VARIATIONS THAT HAVE OCCURRED IN THE RISKS TO WHICH THE ISSUER IS EXPOSED, OTHER THAN MARKET RISK, AND THE MECHANISMS IMPLEMENTED TO MITIGATE THEM19
Liquidity Risk19
Consolidated19
Separated19
Credit Risk20
Consolidated20
Separated21
Country Risk22
Consolidated22
Operational Risk22
Consolidated22
Separated23
Financial Leverage Risk23
Separated23
Other Relevant Risks23
• Regulatory And Legal Risk23
Colombia23
Panama24
Guatemala25
El Salvador25
Political Risk26
Colombia26
Panama27
Guatemala27
El Salvador27
• Economic And Sectoral Environment27
Colombia28
Panama28
Guatemala29
El Salvador29
• Business Continuity And Technology Failures29
• Model Risk29
• Cybersecurity And Information Security Risk30
• Internal Fraud Risk30
• Aml/cft And Corruption Risk.31
• Risk Of External Fraud31
• Talent Risk32
• Environmental And Social Risk32
IV. MATERIAL VARIATIONS IN THE INFORMATION REPORTED IN THE CORPORATE GOVERNANCE ANALYSIS CHAPTER DURING THE QUARTER32
V. MATERIAL CHANGES THAT HAVE OCCURRED IN PRACTICES, PROCESSES, POLICIES AND INDICATORS IN RELATION TO SOCIAL AND ENVIRONMENTAL CRITERIA, INCLUDING CLIMATE CRITERIA.33
VI. MATERIAL CHANGES PRESENTED IN THE FINANCIAL STATEMENTS OF THE ISSUER BETWEEN THE REPORTED QUARTER AND THE DATE OF TRANSMISSION OF THE INFORMATION33
VII. ANNEXES33
I. Condensed Consolidated Interim Financial Statements Grupo Cibest33
Ii. Condensed Separated Interim Financial Statements Grupo Cibest S.a.33
ContentsView on SEC.gov

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