Grupo Cibest S.A. · CIB · FY2026 Q3 · Calendar Q4 2026

Grupo Cibest raises loan-growth outlook as commercial lending and Nequi underpin Q3

The supplied Q3 analysis points to continued momentum from commercial lending and Nequi, with higher loan-growth guidance supporting the growth case. That outlook remains exposed to high rates, fiscal uncertainty and credit-quality risks; EPS was below the supplied estimate, and revenue actuals were not available in the supplied facts.

Why did CIB fall 4.0% after missing EPS estimates in FY2026 Q3?

Research this report with FN2. Free to start; review your question before sending.

Reported After market closeNYSEFinancial Services $22.41B market cap
80quality score

Earnings scorecard

Reported versus consensus
Reported EPS $2.66 Consensus $2.96
EPS surprise -10.1% Reported versus consensus
Reported revenue — Consensus $2.55B
Revenue surprise — Reported versus consensus
Check the math in the surprise calculator >

Market reaction

event-close to next-session close
Stock move -4.0% Event window
SPY move -0.4% Same window
Abnormal move -3.6% Stock minus SPY
Volume 3.4× Versus trailing sessions
Subsequent drift 0.0% Up to 20 sessions
CIBSPY benchmark

Ask FN2 about CIB FY2026 Q3

Choose a question to continue your research
Why did CIB fall 4.0% after missing EPS estimates in FY2026 Q3?What changed in CIB's guidance and outlook in FY2026 Q3?Give me the bull and bear case for CIB after FY2026 Q3 earnings.

Free to start. Your question opens in chat for you to review and send. FN2 can look up the transcript, financials and prior quarters.

Transcript intelligence

What changed

Management raised 2026 loan-growth guidance to 8–9%; the supplied analysis also cites a 9–10% target for 2027. Nequi is now a standalone entity, with management highlighting regional rollout and new financial products. The prior-quarter analysis had cited 7–8% loan-growth guidance for 2026.

Guidance delta

Loan-growth guidance increased from 7–8% to 8–9% for 2026. The current analysis also cites 9–10% loan growth for 2027. No other guidance change is specified in the supplied analysis.

Key takeaways

  • The supplied analysis describes Q3 results as strong, with ROE of 22% and disciplined expense growth.
  • Commercial lending, including demand tied to reconstruction and investment projects, was identified as a growth driver.
  • Management raised 2026 loan-growth guidance to 8–9%; the analysis cites 9–10% for 2027.
  • Nequi is a standalone entity; management plans regional expansion and additional financial products.
  • Reported EPS was below the supplied estimate; revenue actuals were not available in the supplied facts.

Management priorities

  • Accelerate Nequi’s regional rollout and broaden its financial products to grow deposits.
  • Continue AI-driven operational-efficiency initiatives and cost discipline.
  • Use the RUGE program and other fiscal incentives to support investment-driven growth.
  • Maintain capital-allocation flexibility, including potential AT1 issuance and buy-backs when market-appropriate.

Follow CIB with an agent that reads every filing, transcript, and price print. Free to start.

Try FN2 free

Earnings History

Estimate Beat Miss Match
CIB EPS earnings history estimate and actual scatter chart 10 reported fiscal quarters and 4 future estimate-only quarters. Q2 '24 estimate $1.43 Q2 '24 actual $1.44, match Q3 '24 estimate $1.45 Q3 '24 actual $1.49, beat Q2 '25 estimate $7,010.12 Q2 '25 actual $1.79, miss Q3 '25 estimate $1.81 Q3 '25 actual $2.18, beat Q4 '25 estimate $2.04 Q4 '25 actual $1.77, miss Q1 '26 estimate $1.84 Q1 '26 actual $1.62, miss Q2 '26 estimate $2.14 Q2 '26 actual $3.32, beat Q3 '26 estimate $2.87 Q3 '26 actual $2.66, miss Q4 '26 estimate $9,455.05 Q1 '27 estimate $9,558.72 Q2 '27 estimate $9,780.87 Q3 '27 estimate $9,176.71
Show 2 more >

Analyst Consensus ?

ConsensusHold15 ratings
Bullish746.7%
Neutral533.3%
Bearish320.0%

Analyst 52W Price Targets

$91.44Current
$34Low
$77.4Average
$110High

Latest persisted target per named analyst; persisted current price from FN2's market snapshot as of Nov 11, 2026. Not an FN2 forecast.

Firm-level rating actions

FMP grade actions identify the grading firm, not a named analyst.

FirmRatingPrior ratingActionDate
JP Morgan Neutral OverweightDowngradeSep 16, 2026
Goldman Sachs Buy BuyMaintainAug 13, 2026
B of A Securities Neutral UnderperformUpgradeJun 1, 2026
UBS Neutral NeutralMaintainApr 23, 2026
Itau BBA Underperform Market PerformDowngradeFeb 26, 2026
Show 10 more rating actions

Named analyst price targets

Upside is calculated against the persisted current price $91.44. FMP does not supply a rating on these named-analyst rows.

FirmAnalyst52W targetPrice when postedUpsideDate
Goldman SachsAnalyst unavailable$110$95.79 +20.3%Aug 13, 2026
RBC CapitalAnalyst unavailable$110$91.47 +20.3%Aug 11, 2026
Goldman SachsAnalyst unavailable$98$87.93 +7.2%Jul 28, 2026
UBSAnalyst unavailable$72$73.65 -21.3%Apr 23, 2026
Goldman SachsAnalyst unavailable$69$70.92 -24.5%Jan 13, 2026
See 2 more

Track every rating change on CIB the moment it posts. Free to start.

Start free

Company context

Snapshot as of publication

Grupo Cibest SA functions as an investment holding enterprise, with its headquarters situated in Medellin, Colombia.

Historical context

All CIB earnings
+7.1%FY2026 Q2 · Calendar Q3 2026+0.9%FY2026 Q1 · Calendar Q2 2026+1.9%FY2025 Q3 · Calendar Q4 2025

Financial Services peers this season

Latest reports in the same sector
CompanyQuarterEPS surpriseMarket moveHeadline
BAP Credicorp Ltd. FY2026 Q3 · Calendar Q4 2026 -2.6% +3.3% Credicorp maintains 2026 guidance as lending and fee growth meet El Niño risks
MGRE Affiliated Managers Group, Inc. FY2026 Q3 · Calendar Q4 2026 +8.1% +0.6% AMG: Alternatives drive record Q3 as firm maintains Q4 outlook
MGRD Affiliated Managers Group, Inc. FY2026 Q3 · Calendar Q4 2026 +8.1% +1.4% AMG’s Q3 Growth Centers on Alternatives, Inflows and Buybacks
MGRB Affiliated Managers Group, Inc. FY2026 Q3 · Calendar Q4 2026 +8.1% +1.4% AMG’s alternatives-led growth strengthens, while revenue misses estimates
AMG Affiliated Managers Group, Inc. FY2026 Q3 · Calendar Q4 2026 +8.1% +5.6% AMG posts record Q3, with alternatives driving inflows and earnings
KKR KKR & Co. Inc. FY2026 Q3 · Calendar Q4 2026 +12.7% +1.7% KKR’s record quarter pairs fee growth with deployment and liquidity

Latest beats and misses

Who reports next

Beat on EPS

Missed on EPS

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

  1. Earnings call transcript and parsed analysis · 2026-11-10T22:07:59.132614+00:00
  2. FN2 earnings calendar · 2026-11-10T01:23:14.443147+00:00
  3. Polygon adjusted daily market bars · 2026-11-10T22:10:47.336885+00:00
  4. Financial Modeling Prep analyst price-target consensus and quote snapshot · 2026-11-10T22:10:47.334103+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 2026-11-10. For educational purposes only; not investment advice.