Analyst Consensus ?
ConsensusHold15 ratings
Bullish746.7%
Neutral533.3%
Bearish320.0%
Grupo Cibest S.A. · CIB · FY2025 Q1 · Calendar Q2 2025
Grupo Cibest: resilient Q1 performance, with macro and integration risks
The available analysis supports a constructive but qualified view: resilient operating performance, digital-banking expansion, and deposit growth provide support, while macro uncertainty, integration execution, and credit-cost sensitivity could limit durability.
Reported Before market openNYSEFinancial Services
$22.50B market cap
70quality score
Earnings scorecard
Reported versus consensus
Reported EPS
—
Consensus $1.62
EPS surprise
—
Reported versus consensus
Reported revenue
—
Consensus $7009.96B
Revenue surprise
—
Reported versus consensus
Market reaction
prior-close to event-session close
Stock move
+1.1%
Event window
SPY move
+0.7%
Same window
Abnormal move
+0.4%
Stock minus SPY
Volume
0.7×
Versus trailing sessions
Subsequent drift
+4.6%
Up to 20 sessions
CIBSPY benchmark
Ask FN2 about CIB FY2025 Q1
Transcript, numbers and history already loaded
What drove CIB's +1.1% move after FY2025 Q1 earnings?What changed in CIB's guidance and outlook in FY2025 Q1?Give me the bull and bear case for CIB after FY2025 Q1 earnings.
Free account. Your question opens in FN2 with this report's transcript and numbers attached.
Transcript intelligence
What changed
The quarter's analysis emphasized the Nequi and A la Mano integration, the Grupo Cibest holding structure, digital expansion, and planned shareholder-return actions. Guidance was characterized as maintained rather than materially raised.
Guidance delta
Management guidance was described as maintained, including the full-year net interest margin outlook and cost-of-risk range.
Key takeaways
- Management described a strong quarter with higher net income and return on equity.
- The Nequi and A la Mano integration is a central growth initiative, alongside digital adoption and deposit gains.
- Macro risks include inflation, fiscal pressure, political uncertainty, and potentially slower consumer-loan growth.
- Capital ratios were presented as supporting shareholder distributions and planned capital actions.
Management priorities
- Complete the Nequi and A la Mano integration
- Scale digital banking, deposits, and lending
- Deliver cost efficiency and digital-product rollout
- Maintain capital flexibility while pursuing shareholder distributions
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Estimate
Beat
Miss
Match
Analyst 52W Price Targets
$94.81Current
$34Low
$77.4Average
$110High
Latest persisted target per named analyst; persisted current price from FN2's market snapshot as of Oct 11, 2026. Not an FN2 forecast.
Firm-level rating actions
FMP grade actions identify the grading firm, not a named analyst.
| Firm | Rating | Prior rating | Action | Date |
|---|---|---|---|---|
| JP Morgan | Neutral | Overweight | Downgrade | Sep 16, 2026 |
| Goldman Sachs | Buy | Buy | Maintain | Aug 13, 2026 |
| B of A Securities | Neutral | Underperform | Upgrade | Jun 1, 2026 |
| UBS | Neutral | Neutral | Maintain | Apr 23, 2026 |
| Itau BBA | Underperform | Market Perform | Downgrade | Feb 26, 2026 |
| Citigroup | Neutral | Buy | Downgrade | Jan 22, 2026 |
| Morgan Stanley | Overweight | Equal Weight | Upgrade | Jan 28, 2025 |
| Credit Suisse | Outperform | Neutral | Upgrade | Aug 2, 2022 |
| HSBC | Buy | Hold | Upgrade | Feb 26, 2020 |
| Santander | Underperform | Hold | Downgrade | Nov 19, 2018 |
| Standpoint Research | Accumulate | Hold | Upgrade | Mar 7, 2018 |
| Deutsche Bank | Buy | Hold | Upgrade | Aug 22, 2016 |
| Barclays | Underweight | Underweight | Maintain | Mar 24, 2016 |
| Bank of America | Neutral | Buy | Downgrade | Mar 14, 2016 |
| BTG Pactual | Buy | Buy | Maintain | Feb 4, 2014 |
Named analyst price targets
Upside is calculated against the persisted current price $94.81. FMP does not supply a rating on these named-analyst rows.
| Firm | Analyst | 52W target | Price when posted | Upside | Date |
|---|---|---|---|---|---|
| Goldman Sachs | Analyst unavailable | $110 | $95.79 | +16.0% | Aug 13, 2026 |
| RBC Capital | Analyst unavailable | $110 | $91.47 | +16.0% | Aug 11, 2026 |
| Goldman Sachs | Analyst unavailable | $98 | $87.93 | +3.4% | Jul 28, 2026 |
| UBS | Analyst unavailable | $72 | $73.65 | -24.1% | Apr 23, 2026 |
| Goldman Sachs | Analyst unavailable | $69 | $70.92 | -27.2% | Jan 13, 2026 |
| Banco Santander | Andres Soto | $61 | $61.83 | -35.7% | Dec 17, 2025 |
| Bank of America Securities | Ernesto Gabilondo | $34 | $33.12 | -64.1% | Aug 29, 2024 |
Track every rating change on CIB the moment it posts. Free to start.
Start freeCompany context
Snapshot as of publicationGrupo Cibest SA functions as an investment holding enterprise, with its headquarters situated in Medellin, Colombia.
Historical context
All CIB earningsFinancial Services peers this season
Latest reports in the same sector| Company | Quarter | EPS surprise | Market move | Headline |
|---|---|---|---|---|
| FDS FactSet Research Systems Inc. | FY2026 Q4 · Calendar Q3 2026 | +3.9% | +3.8% | FactSet reports record FY26 results as AI and MCP adoption accelerate |
| PUK Prudential plc | FY2026 Q2 · Calendar Q3 2026 | -40.9% | -0.5% | Prudential sustains growth and capital returns focus in H1 2026 |
| CM Canadian Imperial Bank of Commerce | FY2026 Q3 · Calendar Q3 2026 | +8.9% | -2.8% | CIBC Q3: Broad growth, resilient credit and expanded AI rollout |
| TD The Toronto-Dominion Bank | FY2026 Q3 · Calendar Q3 2026 | +13.8% | +1.4% | TD emphasizes growth investments alongside disciplined capital management |
Latest beats and misses
Who reports nextBeat on EPS
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Sources
- Earnings call transcript and parsed analysis · 2026-05-11T10:29:34.698584+00:00
- FN2 earnings calendar · 2025-04-24T00:01:17.206701+00:00
- Polygon adjusted daily market bars · 2026-10-11T13:50:46.929535+00:00
- Financial Modeling Prep analyst price-target consensus and quote snapshot · 2026-10-11T13:50:46.926767+00:00
Methodology
Reported and consensus figures come from FN2's earnings event records. Market reaction and volume are calculated from daily adjusted bars around the event; abnormal move subtracts the SPY move over the same window.
Analyst target low, average, and high values are derived at request time from each named analyst's latest persisted FMP target. The current-price marker comes from FN2's persisted market snapshot. They are sell-side estimates, not an FN2 valuation or recommendation.
Transcript intelligence is a structured synthesis of the current and prior earnings-call analyses. Missing values stay missing and are never estimated.
By FN2 Research · Updated · As of 2026-10-11. For educational purposes only; not investment advice.