Grupo Cibest Ratios and Metrics

Market cap in millions BRL. Fiscal year is January - December.

Millions BRL. Fiscal year is Jan - Dec.

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Feb '26 Feb 26, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Market Capitalization	95,623	90,388	49,190	38,139	40,173	44,038
Market Cap Growth	70.48%	83.75%	28.98%	-5.06%	-8.78%	-13.95%
Last Close Price	87.76	88.02	45.32	30.84	28.11	-
PE Ratio	17.13	16.20	5.60	4.98	5.43	7.87
PS Ratio	2.77	2.62	1.58	1.46	1.81	2.13
PB Ratio	1.60	1.51	0.79	0.78	0.92	0.95
P/OCF Ratio	-	-	-	14.31	-	-
Debt / Equity Ratio	0.58	0.58	0.74	1.02	1.17	1.02
Net Debt / Equity Ratio	-0.20	-0.20	-0.42	-0.18	0.21	0.05
Net Debt / FCF Ratio	-	-	0.94	25.27	-0.42	-0.11
Return on Equity (ROE)	16.24%	16.24%	15.22%	15.72%	18.93%	13.56%
Return on Assets (ROA)	1.85%	1.85%	1.78%	1.79%	2.18%	1.54%
Earnings Yield	5.84%	6.17%	17.87%	20.09%	18.42%	12.71%
FCF Yield	-	-	-56.84%	-0.93%	-55.43%	-46.26%
Dividend Yield	6.52%	-	12.07%	14.36%	13.72%	-
Payout Ratio	97.77%	-	54.23%	53.92%	34.06%	11.43%
Buyback Yield / Dilution	0.90%	0.90%	-	-0.00%	0.00%	-
Total Shareholder Return	6.80%	0.90%	12.07%	14.36%	13.73%	-

Source: S&P Global Market Intelligence. Banks template. Financial Sources.