Analyst Consensus ?
ConsensusHold15 ratings
Bullish746.7%
Neutral533.3%
Bearish320.0%
Grupo Cibest S.A. · CIB · FY2025 Q2 · Calendar Q3 2025
Grupo Cibest: Strong Q2, Digital Scale, and Macro Risks
The current call provides evidence for a constructive but conditional outlook: strong profitability, low-cost deposits, regional diversification, and scaling digital platforms support growth, while revised full-year expectations and macro, political, and credit risks argue against an unqualified thesis.
Reported Before market openNYSEFinancial Services
$22.79B market cap
80quality score
Earnings scorecard
Reported versus consensus
Reported EPS
$1.79
Consensus $7010.12
EPS surprise
-100.0%
Reported versus consensus
Reported revenue
$2.63B
Consensus —
Revenue surprise
—
Reported versus consensus
Market reaction
prior-close to event-session close
Stock move
+2.7%
Event window
SPY move
-0.1%
Same window
Abnormal move
+2.8%
Stock minus SPY
Volume
5.7×
Versus trailing sessions
Subsequent drift
+11.7%
Up to 20 sessions
CIBSPY benchmark
Ask FN2 about CIB FY2025 Q2
Transcript, numbers and history already loaded
Why did CIB rise 2.7% after missing EPS estimates in FY2025 Q2?What changed in CIB's guidance and outlook in FY2025 Q2?Give me the bull and bear case for CIB after FY2025 Q2 earnings.
Free account. Your question opens in FN2 with this report's transcript and numbers attached.
Transcript intelligence
What changed
Compared with the prior-quarter analysis, the current call showed stronger reported profitability and digital traction, a formalized share-repurchase target, and a revised full-year outlook. Management also brought the expected Nequi breakeven timing forward to late 2025 or early 2026.
Guidance delta
Management maintained a confident tone while revising full-year expectations to modest loan growth, a 6.3% NIM, 16% ROE, and 1.6%–1.8% cost of risk.
Key takeaways
- Q2 performance was solid, with 17.5% ROE, 6.6% NIM, low funding costs, and improving asset quality.
- Nequi, Wompi, and Wenia continued to scale; Nequi’s loan book was reported at 4.7 times its earlier level.
- The Grupo Cibest structure is intended to support capital allocation and organic or inorganic growth.
- The investment case remains balanced between digital and regional growth and Colombia’s macro, fiscal, political, and credit risks.
Management priorities
- Continue share repurchases toward the COP 1.3 trillion target
- Reach Nequi net-income breakeven by late 2025 or early 2026
- Scale digital ecosystems while preserving capital strength and supporting loan growth
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Estimate
Beat
Miss
Match
Analyst 52W Price Targets
$96.54Current
$34Low
$77.4Average
$110High
Latest persisted target per named analyst; persisted current price from FN2's market snapshot as of Oct 7, 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 $96.54. 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 | +13.9% | Aug 13, 2026 |
| RBC Capital | Analyst unavailable | $110 | $91.47 | +13.9% | Aug 11, 2026 |
| Goldman Sachs | Analyst unavailable | $98 | $87.93 | +1.5% | Jul 28, 2026 |
| UBS | Analyst unavailable | $72 | $73.65 | -25.4% | Apr 23, 2026 |
| Goldman Sachs | Analyst unavailable | $69 | $70.92 | -28.5% | Jan 13, 2026 |
| Banco Santander | Andres Soto | $61 | $61.83 | -36.8% | Dec 17, 2025 |
| Bank of America Securities | Ernesto Gabilondo | $34 | $33.12 | -64.8% | 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 |
| RY Royal Bank of Canada | FY2026 Q3 · Calendar Q3 2026 | +6.2% | -1.3% | RBC reports record Q3 earnings while investing for growth |
| AFRM Affirm Holdings, Inc. | FY2026 Q4 · Calendar Q3 2026 | +1230.3% | +0.3% | Affirm's most profitable quarter shifts focus to product execution |
Latest beats and misses
Who reports nextBeat on EPS
- ACNFY2026 Q4 · October 1, 2026+3.5% EPS+15.8% move
- MKCFY2026 Q3 · October 1, 2026+13.9% EPS-4.9% move
- NKEFY2027 Q1 · October 1, 2026+10.0% EPS-0.7% move
- CAGFY2027 Q1 · September 30, 2026+44.4% EPS-4.9% move
- FDSFY2026 Q4 · September 30, 2026+3.9% EPS+3.8% move
- JBLFY2026 Q4 · September 30, 2026+8.1% EPS-10.0% move
Get the CIB recap when the next report posts
One email per quarter with the scorecard, the market reaction and what changed on the call. No account needed.
Sources
- Earnings call transcript and parsed analysis · 2026-05-11T10:29:34.698584+00:00
- FN2 earnings calendar · 2026-07-26T00:37:12.209961+00:00
- Polygon adjusted daily market bars · 2026-10-06T23:00:44.776880+00:00
- Financial Modeling Prep analyst price-target consensus and quote snapshot · 2026-10-06T23:00:44.773864+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 2026-10-06. For educational purposes only; not investment advice.