Analyst Consensus ?
ConsensusHold15 ratings
Bullish746.7%
Neutral533.3%
Bearish320.0%
Grupo Cibest S.A. · CIB · FY2026 Q1 · Calendar Q2 2026
Grupo Cibest Maintains 2026 Outlook Despite Tax Hit
The quarter supports a mixed but resilient picture: digital-platform momentum, fee growth, deposit-led funding, and maintained 2026 guidance provide support, while the earnings miss, one-off tax burden, macro uncertainty, and credit risks temper the outlook.
Reported After market closeNYSEFinancial Services
$22.69B market cap
90quality score
Earnings scorecard
Reported versus consensus
Reported EPS
$1.62
Consensus $1.84
EPS surprise
-12.0%
Reported versus consensus
Reported revenue
$2.00B
Consensus $2.04B
Revenue surprise
-1.9%
Reported versus consensus
Market reaction
event-close to next-session close
Stock move
+0.9%
Event window
SPY move
+0.8%
Same window
Abnormal move
+0.1%
Stock minus SPY
Volume
1.2×
Versus trailing sessions
Subsequent drift
+9.8%
Up to 20 sessions
CIBSPY benchmark
Ask FN2 about CIB FY2026 Q1
Transcript, numbers and history already loaded
Why did CIB rise 0.9% after missing EPS estimates in FY2026 Q1?What changed in CIB's guidance and outlook in FY2026 Q1?Give me the bull and bear case for CIB after FY2026 Q1 earnings.
Free account. Your question opens in FN2 with this report's transcript and numbers attached.
Transcript intelligence
What changed
Management highlighted Nequi's profitability and planned Q3 2026 separation, while the Banistmo sale progressed with proceeds earmarked for capital instruments and digital investment. The quarter also showed a 16% year-over-year net-income decline from a one-off wealth tax, partly offset by stronger NIM and fee income.
Guidance delta
Management maintained 2026 guidance: loan growth of 7–8%, NIM of 7.0–7.2%, ROE of 19.5–20%, and cost of risk of 1.6–1.8%.
Key takeaways
- Net income fell 16% year over year, mainly because of a one-off wealth tax.
- NIM increased 20 basis points and fee income grew 30% year over year.
- Deposits grew faster than loans, supporting a stable, low-cost funding base.
- Nequi was profitable and remains central to the group's digital-growth strategy.
- Capital allocation includes a COP 1.35 trillion share buyback, COP 0.5 trillion of Nequi investment, AT1 issuance, and planned use of Banistmo-sale proceeds.
Management priorities
- Complete the Nequi spin-off and separate accounting by Q3 2026.
- Expand cross-border and multicurrency capabilities through USDW, Wompi, and Wenia.
- Deploy Banistmo-sale proceeds into intragroup instruments and digital-platform upgrades.
- Continue digital ecosystem expansion in Guatemala through BAM.
- Maintain the share-buyback program and support digital banking growth.
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Estimate
Beat
Miss
Match
Analyst 52W Price Targets
$94.36Current
$34Low
$77.4Average
$110High
Latest persisted target per named analyst; persisted current price from FN2's market snapshot as of Sep 24, 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 $94.36. 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 | +16.6% | Aug 13, 2026 |
| RBC Capital | Analyst unavailable | $110 | $91.47 | +16.6% | Aug 11, 2026 |
| Goldman Sachs | Analyst unavailable | $98 | $87.93 | +3.9% | Jul 28, 2026 |
| UBS | Analyst unavailable | $72 | $73.65 | -23.7% | Apr 23, 2026 |
| Goldman Sachs | Analyst unavailable | $69 | $70.92 | -26.9% | Jan 13, 2026 |
| Banco Santander | Andres Soto | $61 | $61.83 | -35.4% | Dec 17, 2025 |
| Bank of America Securities | Ernesto Gabilondo | $34 | $33.12 | -64.0% | 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
Latest reports in the same sector| Company | Quarter | EPS surprise | Market move | Headline |
|---|---|---|---|---|
| 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
- CTASFY2027 Q1 · September 23, 2026+3.0% EPS-3.4% move
- PAYXFY2027 Q1 · September 23, 2026+1.5% EPS-8.8% move
- GISFY2027 Q1 · September 23, 2026+4.6% EPS+1.0% move
- AZOFY2026 Q4 · September 22, 2026+3.6% EPS+3.3% move
- FPSFY2026 Q4 · September 15, 2026+4.3% EPS+9.5% move
- TCOMFY2026 Q2 · September 15, 2026+22.3% EPS+3.0% 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 · 2026-05-11T14:17:41.929558+00:00
- FN2 earnings calendar · 2026-07-26T00:37:12.209961+00:00
- Polygon adjusted daily market bars · 2026-09-24T15:01:00.658577+00:00
- Financial Modeling Prep analyst price-target consensus and quote snapshot · 2026-09-24T15:01:00.655685+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 2026-09-24. For educational purposes only; not investment advice.