Analyst Consensus ?
ConsensusHold15 ratings
Bullish746.7%
Neutral533.3%
Bearish320.0%
Grupo Cibest S.A. · CIB · FY2025 Q3 · Calendar Q4 2025
CIB reports strong loan growth while maintaining 2025 guidance
The quarter supports a constructive operating picture: strong loan growth, rising CASA deposits and resilient NIM outweighed the risk that easing rates could pressure margins. However, reported profitability was helped by a one-time ECL provision release, so underlying earnings quality and the durability of growth remain important checks.
Reported Before market openNYSEFinancial Services
$21.61B market cap
100quality score
Earnings scorecard
Reported versus consensus
Reported EPS
$2.18
Consensus $1.81
EPS surprise
+20.4%
Reported versus consensus
Reported revenue
$2.76B
Consensus $2.01B
Revenue surprise
+37.3%
Reported versus consensus
Market reaction
prior-close to event-session close
Stock move
+1.9%
Event window
SPY move
-1.1%
Same window
Abnormal move
+3.0%
Stock minus SPY
Volume
1.5×
Versus trailing sessions
Subsequent drift
+3.6%
Up to 20 sessions
CIBSPY benchmark
Ask FN2 about CIB FY2025 Q3
Transcript, numbers and history already loaded
Why did CIB rise 1.9% after beating EPS estimates in FY2025 Q3?What changed in CIB's guidance and outlook in FY2025 Q3?Give me the bull and bear case for CIB after FY2025 Q3 earnings.
Free account. Your question opens in FN2 with this report's transcript and numbers attached.
Transcript intelligence
What changed
The quarter added a one-time ECL provision release of EGP 13.1 billion placed in a special reserve, interest-rate swap gains of EGP 187 million in September 2025 versus EGP 15 million a year earlier, and improved NPL coverage of 281%. Management continued to emphasize technology investment, digital transformation and private-sector capex financing.
Guidance delta
Maintained: 2025 loan growth guidance of 20–25% blended and full-year NIM near 9%.
Key takeaways
- Loan book expanded 30% year over year, led by 38% growth in local-currency loans.
- Deposits grew 8%, with CASA reaching 60% and supporting funding-cost efficiency.
- NIM remained resilient despite a 600-basis-point policy-rate cut; local NIM was 13% year to date.
- A one-time ECL provision release of EGP 13.1 billion lifted reported profitability; ROE was 45.9%, or 37.7% adjusted.
- Management highlighted continued technology and digital-transformation investment.
Management priorities
- Continue investment in technology, digital platforms and talent
- Expand the CASA deposit base to improve funding costs
- Extend the duration of sovereign bond holdings
- Maintain disciplined capital management and high CAR
- Support private-sector capex projects and SME lending
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Estimate
Beat
Miss
Match
Analyst 52W Price Targets
$91.91Current
$34Low
$77.4Average
$110High
Latest persisted target per named analyst; persisted current price from FN2's market snapshot as of Oct 2, 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 $91.91. 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 | +19.7% | Aug 13, 2026 |
| RBC Capital | Analyst unavailable | $110 | $91.47 | +19.7% | Aug 11, 2026 |
| Goldman Sachs | Analyst unavailable | $98 | $87.93 | +6.6% | Jul 28, 2026 |
| UBS | Analyst unavailable | $72 | $73.65 | -21.7% | Apr 23, 2026 |
| Goldman Sachs | Analyst unavailable | $69 | $70.92 | -24.9% | Jan 13, 2026 |
| Banco Santander | Andres Soto | $61 | $61.83 | -33.6% | Dec 17, 2025 |
| Bank of America Securities | Ernesto Gabilondo | $34 | $33.12 | -63.0% | 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
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|---|---|---|---|---|
| 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 · 2026-10-02T20:26:10.853447+00:00
- Financial Modeling Prep analyst price-target consensus and quote snapshot · 2026-10-02T20:26:10.850697+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 2026-10-02. For educational purposes only; not investment advice.