Grupo Cibest S.A. · CIB · Next earnings

Grupo Cibest S.A. reports Monday, Nov 9, 2026

CIB reports after market close with consensus EPS at $2.96 and revenue at $2.55B. Last quarter: Grupo Cibest raises NIM and ROE guidance after exceptional Q2

Reports After market close4 days awayDate estimated Financial Services

What the street expects

Consensus for the coming report
Consensus EPS $2.96 Calendar consensus
Consensus revenue $2.55B Calendar consensus
Report date Nov 9, 2026 Monday, date estimated
Session After market close 4 days away

Where CIB left off: FY2026 Q2

Full report

Grupo Cibest raises NIM and ROE guidance after exceptional Q2

EPS surprise +55.1% Reported $3.32 vs $2.14
Revenue surprise +1.4% Reported $2.43B vs $2.40B
Stock move +7.1% Event window
Subsequent drift +2.1% Up to 20 sessions

Raised: NIM guidance to 7.4–7.6% and ROE guidance to 21–22%; loan-growth guidance remains 7–8%.

What to watch on the call

Carried forward from the last transcript

Risks management flagged

  • Persistently high inflation and interest rates could pressure demand and asset quality.
  • El Niño, earthquake exposure and fiscal or sovereign risks could affect credit performance.
  • Regulatory uncertainty around Colombia’s usury-rate cap remains a concern.

Questions analysts left open

  • Sensitivity of NIM to further interest-rate moves.
  • Sustainability of ROE at 21–22% as rates normalize.
  • Asset-quality trends, including Nequi NPLs and cost of risk.
  • Future double-leverage ratio and capital adequacy.

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Recent CIB quarters

All CIB earnings
+7.1%FY2026 Q2+0.9%FY2026 Q1+1.9%FY2025 Q3+2.7%FY2025 Q2

Sources

  1. FN2 corporate events calendar, resolved from the earnings calendar feed
  2. FN2 earnings calendar analyst consensus
  3. Earnings call transcript analysis, FY2026 Q2

Methodology

The report date comes from FN2's resolved corporate-events calendar and is marked estimated until the company confirms it. Consensus figures are the calendar's latest analyst estimates for the fiscal period and are not an FN2 forecast.

Risks and open questions are carried forward verbatim from FN2's structured analysis of the previous earnings call. Missing values stay missing and are never estimated.

By FN2 Research · Updated . For educational purposes only; not investment advice.