Analyst Consensus ?
ConsensusHold15 ratings
Bullish746.7%
Neutral533.3%
Bearish320.0%
Grupo Cibest S.A. · CIB · FY2026 Q2 · Calendar Q3 2026
Grupo Cibest raises NIM and ROE guidance after exceptional Q2
Q2 supports a constructive operating picture: exceptional profitability, raised guidance and digital and payroll-lending growth are positives, while macro, asset-quality and capital risks remain.
Why did CIB rise 7.1% after beating EPS estimates in FY2026 Q2?
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Reported After market closeNYSEFinancial Services
$22.93B market cap
100quality score
Earnings scorecard
Reported versus consensus
Reported EPS
$3.32
Consensus $2.14
EPS surprise
+55.1%
Reported versus consensus
Reported revenue
$2.43B
Consensus $2.40B
Revenue surprise
+1.4%
Reported versus consensus
Market reaction
event-close to next-session close
Stock move
+7.1%
Event window
SPY move
-0.3%
Same window
Abnormal move
+7.5%
Stock minus SPY
Volume
2.8×
Versus trailing sessions
Subsequent drift
+2.1%
Up to 20 sessions
CIBSPY benchmark
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Why did CIB rise 7.1% after beating EPS estimates in FY2026 Q2?What changed in CIB's guidance and outlook in FY2026 Q2?Give me the bull and bear case for CIB after FY2026 Q2 earnings.
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Transcript intelligence
What changed
Compared with the prior quarter, management raised NIM and ROE guidance, reported stronger profitability, added the Avista Colombia acquisition to its growth plan, and advanced the Nequi spin-off toward September 2026.
Guidance delta
Raised: NIM guidance to 7.4–7.6% and ROE guidance to 21–22%; loan-growth guidance remains 7–8%.
Key takeaways
- Q2 net income rose 87% quarter over quarter, with ROE reaching 28.7%.
- Management highlighted Nequi, Wompi and Wenia as digital ecosystem growth levers.
- The Avista Colombia acquisition expands payroll lending, while Nequi is planned to become an independent entity in September 2026.
- Capital allocation includes an extraordinary dividend, share buybacks and AT1 or subordinated debt issuance.
Management priorities
- Execute the Nequi spin-off as a separate entity in September 2026.
- Scale Avista’s payroll-lending platform across Colombia and potentially Central America.
- Continue investing in Wompi, Wenia and the planned USDW launch.
- Maintain capital efficiency through dividends, buybacks and AT1 or subordinated debt issuance.
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Estimate
Beat
Miss
Match
Analyst 52W Price Targets
$91.64Current
$34Low
$77.4Average
$110High
Latest persisted target per named analyst; persisted current price from FN2's market snapshot as of Nov 6, 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 $91.64. 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 | +20.0% | Aug 13, 2026 |
| RBC Capital | Analyst unavailable | $110 | $91.47 | +20.0% | Aug 11, 2026 |
| Goldman Sachs | Analyst unavailable | $98 | $87.93 | +6.9% | Jul 28, 2026 |
| UBS | Analyst unavailable | $72 | $73.65 | -21.4% | Apr 23, 2026 |
| Goldman Sachs | Analyst unavailable | $69 | $70.92 | -24.7% | Jan 13, 2026 |
| Banco Santander | Andres Soto | $61 | $61.83 | -33.4% | Dec 17, 2025 |
| Bank of America Securities | Ernesto Gabilondo | $34 | $33.12 | -62.9% | 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 |
|---|---|---|---|---|
| BAM Brookfield Asset Management Ltd. | FY2026 Q3 · Calendar Q4 2026 | — | -0.4% | Brookfield Q3: Record Fundraising, AI Projects and Early Carry |
| FNF Fidelity National Financial, Inc. | FY2026 Q3 · Calendar Q4 2026 | 0.0% | +6.6% | FNF posts strong title and commercial trends as revenue misses estimates |
| AFRM Affirm Holdings, Inc. | FY2027 Q1 · Calendar Q4 2026 | +23.8% | +1.9% | Affirm pairs strong growth outlook with underwriting and credit watchpoints |
| MET-PA MetLife, Inc. | FY2026 Q3 · Calendar Q4 2026 | +2.9% | — | Record quarter, with investment income and broad segment growth supporting results |
| MET-PE MetLife, Inc. | FY2026 Q3 · Calendar Q4 2026 | +2.9% | — | MetLife posts record Q3 earnings as investment income and expense control support growth |
| GPN Global Payments Inc. | FY2026 Q3 · Calendar Q4 2026 | 0.0% | -1.2% | Global Payments grows revenue and raises Worldpay synergy target |
Latest beats and misses
Who reports nextBeat on EPS
- FNFFY2026 Q3 · November 5, 20260.0% EPS+6.6% move
- MTDFY2026 Q3 · November 5, 2026+3.6% EPS+4.8% move
- IAGFY2026 Q3 · November 5, 2026+16.7% EPS+4.6% move
- GMABFY2026 Q3 · November 5, 2026+55.6% EPS-4.3% move
- STEFY2027 Q2 · November 4, 2026+9.7% EPS+2.5% move
- IRMFY2026 Q3 · November 5, 2026+4.6% EPS-11.1% move
Missed on EPS
- WPMFY2026 Q3 · November 5, 2026-1.1% EPS+2.2% move
- CPTFY2026 Q3 · November 5, 2026-27.2% EPS-3.1% move
- VMRKFY2026 Q3 · November 4, 2026-425.6% EPS+2.4% move
- NTRAFY2026 Q3 · November 5, 2026-49.3% EPS-15.2% move
- TIGOFY2026 Q3 · November 5, 2026-40.8% EPS+2.6% move
- UHALFY2027 Q2 · November 4, 2026-15.4% EPS-3.2% 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 · 2026-08-11T20:10:52.847747+00:00
- FN2 earnings calendar · 2026-09-15T01:23:15.305287+00:00
- Polygon adjusted daily market bars · 2026-09-21T18:40:58.507647+00:00
- Financial Modeling Prep analyst price-target consensus and quote snapshot · 2026-09-21T18:40:58.504985+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 2026-09-21. For educational purposes only; not investment advice.