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Grupo Cibest S.A.

For the period ended Jun 30, 2026. Filed Aug 17, 2026.

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Jun 30, 2026 · Filed Aug 17, 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-20260630xigcibest2q26.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 August 2026

Commission File Number 001-32535

Grupo Cibest S.A.

(Translation of registrant’s name into English)

Cra. 48 # 26-85

(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 August 14, 2026By:/s/ MAURICIO BOTERO WOLFF.
Name:Mauricio Botero Wolff.
Title:Vice President of Strategy and Finance

August 14, 2026

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

On August 10, 2026, Grupo Cibest S.A. (“Grupo Cibest”) furnished on Form 6-K a press release presenting financial information for the fiscal quarter ended June 30, 2026 (the “Press Release”).

The quarterly report for the fiscal quarter ended June 30, 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 June 30, 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

April - June 2026

Grupo Cibest S.A. and Consolidated Grupo Cibest

Address:

Carrera 48 # 26-85

ISSUER’S CURRENT SECURITIES

As of June 30, 2026

Type of ShareCommon SharePreferred Share
Trading SystemStock ExchangeStock Exchange
Stock ExchangesColombian Stock Exchange (BVC)Colombian Stock Exchange (BVC)
Shares in Circulation508,474,753436,187,213
Shareholders21,01438,785
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 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 June 30, 2026, the results of the program 2026-2029 are as follows:

Type of shareNumber of repurchased shares
CIBEST (BVC)628,379
PFCIBEST (BVC)3,244,439
CIB (NYSE)526,152*
TOTAL4,398,970

*Number of repurchased ADRs converted into preferred shares.

As of June 30, 2026, Cibest Corporate Group's results of the programs are as follows:

Type of shareNumber of repurchased shares
CIBEST (BVC)1,229,831
PFCIBEST (BVC)10,271,731
CIB (NYSE)5,663,472*
TOTAL17,165,034

*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
Taxes11
Consolidated Statement Of Income Grupo Cibest12
Separate Grupo Cibest14
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 VARIATIONS15
Consolidated15
Non-trading Instruments Market Risk Measurement16
Interest Risk Exposure (Banking Book)16
Sensitivity To Interest Rate Risk Of The Banking Book16
Separated16
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 THEM17
Liquidity Risk17
Consolidated17
Separated17
Credit Risk18
Consolidated18
Separated19
Country Risk20
Consolidated20
Operational Risk20
Consolidated20
Separated20
Financial Leverage Risk21
Separated21
Other Relevant Risks21
• Regulatory And Legal Risk21
Colombia21
Panama21
Guatemala23
El Salvador23
Political Risk24
Colombia24
El Salvador24
• Economic And Sectoral Environment25
Colombia25
Panama25
Guatemala26
El Salvador26
• Business Continuity And Technology Failures26
• Model Risk27
• Cybersecurity And Information Security Risk27
• Internal Fraud Risk27
• Aml/cft And Corruption Risk.27
• Risk Of External Fraud28
IV. MATERIAL VARIATIONS IN THE INFORMATION REPORTED IN THE CORPORATE GOVERNANCE ANALYSIS CHAPTER DURING THE QUARTER29
V. MATERIAL CHANGES THAT HAVE OCCURRED IN PRACTICES, PROCESSES, POLICIES AND INDICATORS IN RELATION TO SOCIAL AND ENVIRONMENTAL CRITERIA, INCLUDING CLIMATE CRITERIA.29
VI. MATERIAL CHANGES PRESENTED IN THE FINANCIAL STATEMENTS OF THE ISSUER BETWEEN THE REPORTED QUARTER AND THE DATE OF TRANSMISSION OF THE INFORMATION29
VII. ANNEXES30
I. Condensed Consolidated Interim Financial Statements Grupo Cibest30
Ii. Condensed Separated Interim Financial Statements Grupo Cibest S.a.30
ContentsView on SEC.gov

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