Analyst Consensus ?
ConsensusHold15 ratings
Bullish746.7%
Neutral533.3%
Bearish320.0%
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?
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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
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
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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.
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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.
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Estimate
Beat
Miss
Match
Analyst 52W Price Targets
$91.57Current
$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.
| 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 $91.57. 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 | +20.1% | Aug 13, 2026 |
| RBC Capital | Analyst unavailable | $110 | $91.47 | +20.1% | Aug 11, 2026 |
| Goldman Sachs | Analyst unavailable | $98 | $87.93 | +7.0% | Jul 28, 2026 |
| UBS | Analyst unavailable | $72 | $73.65 | -21.4% | Apr 23, 2026 |
| Goldman Sachs | Analyst unavailable | $69 | $70.92 | -24.6% | 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 |
|---|---|---|---|---|
| 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 nextBeat on EPS
- VGFY2026 Q3 · November 10, 2026+92.7% EPS+1.7% move
- TDGFY2026 Q4 · November 10, 2026+1.9% EPS+0.5% move
- ONONFY2026 Q3 · November 10, 2026+39.9% EPS-7.5% move
- CRWVFY2026 Q3 · November 10, 20260.0% EPS-0.5% move
- OXYFY2026 Q3 · November 9, 2026+30.8% EPS+2.0% move
- MGREFY2026 Q3 · November 9, 2026+8.1% EPS+0.6% move
Missed on EPS
- EMBJFY2026 Q3 · November 10, 2026-49.4% EPS+7.0% move
- VODFY2027 Q2 · November 10, 2026-72.8% EPS-1.2% move
- SEFY2026 Q3 · November 10, 2026-5.1% EPS-1.5% move
- BAPFY2026 Q3 · November 9, 2026-2.6% EPS+3.3% move
- JBSFY2026 Q3 · November 9, 2026-28.6% EPS-5.5% move
- ASTSFY2026 Q3 · November 9, 2026-8.9% EPS-2.3% 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 · 2026-11-10T22:07:59.132614+00:00
- FN2 earnings calendar · 2026-11-10T01:23:14.443147+00:00
- Polygon adjusted daily market bars · 2026-11-10T22:10:47.336885+00:00
- 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.