Equity Profile

CIB

Grupo Cibest S.A.

FinancialsDiversified Banks$16.8B

May4Mon

Post-Earnings Recap

ReportedQ1-2026After Close4:30 PM EDT

Grupo Cibest S.A. Misses on EPS, Stock Down 2.71%

Metric	Actual	Expected	Surprise
EPS	$1.68	$1.91	-8.45%
Revenue	—	$7292.1B	—

management commentary, guidance changes, and full analysis available with Pro.

Grupo Cibest S.A. Misses on EPS, Stock Down 2.71%

Key Numbers

Metric	Actual	Expected	Surprise
EPS	$1.68	$1.91	-8.45%
Revenue	—	$7292.1B	—

Management Commentary

Tone: Unknown

No transcript is on record for the earnings call, and the analysis is based solely on numerical results.

What It Means

Grupo Cibest S.A. reported earnings that fell short of expectations, particularly in EPS, which likely contributed to the stock's decline of 2.71%. Investors may be concerned about the company's performance given the lack of revenue data and guidance. The negative surprise in EPS could indicate challenges in profitability that the company may need to address moving forward.

Company Snapshot

Grupo Cibest S.A. is a diversified bank operating in the financial sector, providing a range of banking services....

Key Metrics to Watch

EPS

Earnings per share is a key indicator of profitability and is closely watched by investors.

$1.91

Revenue

Revenue figures provide insight into the company's overall sales performance and market demand.

$7,292.1B

Wall Street expectations, options signals, track record, and call prep available with Pro.

Original Pre-Earnings Preview

Context

Company Snapshot

Grupo Cibest S.A. is a diversified bank operating in the financial sector, providing a range of banking services. With a market cap of $16 billion, it plays a significant role in the financial landscape, particularly as consumer spending and economic conditions evolve.

Earnings Scorecard·Last 8Q

EPS Beat Streak

EPS Beat Rate

88%

Avg EPS Surprise

+16.93%

Avg Stock Reaction

+0.15%

Last Quarter Recap

In Q1-2025, Grupo Cibest reported an EPS of $1.74, exceeding expectations by 5.65%. However, the stock experienced a slight decline of 1.27% the following day.

Management Promises & Guidance

Expectations

Wall Street Expectations

Analysts expect Grupo Cibest to report strong earnings this quarter, with a consensus EPS of $1.91. The company has a history of beating earnings estimates, which could set a positive tone.

Bull Case

If Grupo Cibest exceeds the EPS estimate, it could reinforce investor confidence and drive the stock price higher, especially given its track record of surprises.

Bear Case

Conversely, if the company fails to meet expectations, it may lead to a significant sell-off, particularly if market conditions remain uncertain.

Key Metrics to Watch

EPS

$1.91

Earnings per share is a key indicator of profitability and is closely watched by investors.

Revenue

$7,292.1B

Revenue figures provide insight into the company's overall sales performance and market demand.

Expectations

Two Questions That Matter

The print will turn on these two things.

Will EPS exceed the consensus estimate of $1.91?

A beat on EPS could reaffirm the company's strong performance and boost investor sentiment.

What insights can management provide about revenue growth trends?

Understanding revenue growth will be crucial for assessing the company's market position and future prospects.

Edge

What the Street Is Missing

Why consensus could be wrong

The consensus may underestimate the potential for Grupo Cibest to exceed EPS expectations due to its strong historical performance.

Supporting Evidence

The company has consistently beaten EPS estimates in the past, with a 100% beat rate over the last eight quarters.

Options are pricing a 5.97% move, indicating that the market anticipates volatility, which could be driven by a positive surprise.

Key Risk

If EPS comes in below $1.70, it could challenge the optimistic outlook held by analysts.

Edge

Thesis-Break Levels

Pre-commit to what would confirm each case.

This quarter's performance is critical as it will reflect the company's ability to navigate current economic conditions and investor expectations.

Bull Confirmed If

An EPS of $2.01 or higher would confirm the bull case and suggest strong operational performance.

Bear Confirmed If

An EPS below $1.70 would support the bear case, indicating potential challenges in profitability.

Pre-Earnings Positioning

Options Market

Implied Move

±5.97%

Historical Avg

±1.5%

Pricing rich

The options market is pricing in a significant move, suggesting that investors are anticipating volatility around the earnings report.

Options are pricing ±6.0% while CIB has averaged ±1.5% over the last 8 prints — setup is pricing rich.

Detail

30d HV

31.6%

Calls (900)P/C Ratio: 0.03Puts (500)

Edge

Historical Setup Match

Cross-company pattern from 30 similar setups.

Prior-quarter beat + options rich in Financials

n=30

Fade rate: X of Y (Z%)

This setup has occurred 30 times across Financials in the last 2 years. The average absolute 1-day move is 3.3%, with a raw directional average of -1.2% (modestly negative historical bias).

Edge

Institutional Ownership

Smart-money positioning from the most recent 13F filings.

Top holders adding

Institutional

22.16%

of float

Insider

0.00%

of float

Holders

290

institutions

Top Holders· as of Dec 2025

Vanguard Group Inc
3,089,670 sh · $220.9M
2.77%
2.3%

Preparation

Post-Print Playbook

Likely market behavior by outcome — not investment advice.

Beat & Raise

If Grupo Cibest beats expectations, history suggests a potential stock increase of around 0.5%, confirming a positive outlook.

In-Line / Cautious

If results are in line with expectations, the stock may react cautiously, reflecting uncertainty in future guidance.

Miss

Should the company miss earnings expectations, the stock could decline, with historical patterns suggesting a potential drop of around 1.22%.

Earnings Track Record

Preparation

What to Listen For

Call Prep

1Any commentary on revenue growth trends and market conditions.
2Updates on cost management strategies and their impact on margins.
3Insights into customer demand and loan growth.
4Management's outlook on economic conditions and potential risks.
5Details on any new initiatives or products that could drive future growth.

See the full picture

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Company Snapshot

Grupo Cibest S.A. is a diversified bank operating in the financial sector, providing a range of banking services....

Key Metrics to Watch

EPS

Earnings per share is a key indicator of profitability and is closely watched by investors.

$1.91

Revenue

Revenue figures provide insight into the company's overall sales performance and market demand.

$7,292.1B

Wall Street expectations, options signals, track record, and call prep available with Pro.

Original Pre-Earnings Preview

Context

Company Snapshot

Earnings Scorecard·Last 8Q

EPS Beat Streak

EPS Beat Rate

88%

Avg EPS Surprise

+16.93%

Avg Stock Reaction

+0.15%

Last Quarter Recap

In Q1-2025, Grupo Cibest reported an EPS of $1.74, exceeding expectations by 5.65%. However, the stock experienced a slight decline of 1.27% the following day.

Management Promises & Guidance

Expectations

Wall Street Expectations

Analysts expect Grupo Cibest to report strong earnings this quarter, with a consensus EPS of $1.91. The company has a history of beating earnings estimates, which could set a positive tone.

Bull Case

If Grupo Cibest exceeds the EPS estimate, it could reinforce investor confidence and drive the stock price higher, especially given its track record of surprises.

Bear Case

Conversely, if the company fails to meet expectations, it may lead to a significant sell-off, particularly if market conditions remain uncertain.

Key Metrics to Watch

EPS

$1.91

Earnings per share is a key indicator of profitability and is closely watched by investors.

Revenue

$7,292.1B

Revenue figures provide insight into the company's overall sales performance and market demand.

Expectations

Two Questions That Matter

The print will turn on these two things.

Will EPS exceed the consensus estimate of $1.91?

A beat on EPS could reaffirm the company's strong performance and boost investor sentiment.

What insights can management provide about revenue growth trends?

Understanding revenue growth will be crucial for assessing the company's market position and future prospects.

Edge

What the Street Is Missing

Why consensus could be wrong

The consensus may underestimate the potential for Grupo Cibest to exceed EPS expectations due to its strong historical performance.

Supporting Evidence

The company has consistently beaten EPS estimates in the past, with a 100% beat rate over the last eight quarters.

Options are pricing a 5.97% move, indicating that the market anticipates volatility, which could be driven by a positive surprise.

Key Risk

If EPS comes in below $1.70, it could challenge the optimistic outlook held by analysts.

Edge

Thesis-Break Levels

Pre-commit to what would confirm each case.

This quarter's performance is critical as it will reflect the company's ability to navigate current economic conditions and investor expectations.

Bull Confirmed If

An EPS of $2.01 or higher would confirm the bull case and suggest strong operational performance.

Bear Confirmed If

An EPS below $1.70 would support the bear case, indicating potential challenges in profitability.

Pre-Earnings Positioning

Options Market

Implied Move

±5.97%

Historical Avg

±1.5%

Pricing rich

The options market is pricing in a significant move, suggesting that investors are anticipating volatility around the earnings report.

Options are pricing ±6.0% while CIB has averaged ±1.5% over the last 8 prints — setup is pricing rich.

Detail

30d HV

31.6%

Calls (900)P/C Ratio: 0.03Puts (500)

Edge

Historical Setup Match

Cross-company pattern from 30 similar setups.

Prior-quarter beat + options rich in Financials

n=30

Fade rate: X of Y (Z%)

This setup has occurred 30 times across Financials in the last 2 years. The average absolute 1-day move is 3.3%, with a raw directional average of -1.2% (modestly negative historical bias).

Edge

Institutional Ownership

Smart-money positioning from the most recent 13F filings.

Top holders adding

Institutional

22.16%

of float

Insider

0.00%

of float

Holders

290

institutions

Top Holders· as of Dec 2025

Vanguard Group Inc
3,089,670 sh · $220.9M
2.77%
2.3%

Preparation

Post-Print Playbook

Likely market behavior by outcome — not investment advice.

Beat & Raise

If Grupo Cibest beats expectations, history suggests a potential stock increase of around 0.5%, confirming a positive outlook.

In-Line / Cautious

If results are in line with expectations, the stock may react cautiously, reflecting uncertainty in future guidance.

Miss

Should the company miss earnings expectations, the stock could decline, with historical patterns suggesting a potential drop of around 1.22%.

Earnings Track Record

Preparation

What to Listen For

Call Prep

1Any commentary on revenue growth trends and market conditions.
2Updates on cost management strategies and their impact on margins.
3Insights into customer demand and loan growth.
4Management's outlook on economic conditions and potential risks.
5Details on any new initiatives or products that could drive future growth.