Grupo Cibest reported strong financial results, including robust growth in net income and asset quality improvements. The digital bank Nequi showed impressive growth, contributing significantly to the group's overall performance. However, challenges remain with Colombia's fiscal deficit and weak demand in commercial loans. Despite these issues, the financial outlook remains positive due to strategic measures like the share repurchase program and ongoing efficiency improvements.

Company Guidance

In the second quarter of 2025, Grupo Cibest provided updated guidance reflecting strong financial performance and strategic realignment. The company anticipates loan growth of approximately 5.4%, with consumer and mortgage loans projected to grow by 7% and 7.5%, respectively. The net interest margin is expected to stabilize around 6.3%, influenced by interest rate trends and a strategic shift towards higher-yielding consumer loans. The cost of risk is forecasted to range between 1.6% and 1.8%, highlighting improvements in asset quality. Consequently, the company revised its return on equity (ROE) guidance to roughly 16%, supported by efficient capital allocation and operational enhancements. Additionally, Nequi, the digital bank, is on track to achieve breakeven by early 2026, with significant growth in loans and deposits contributing to operational efficiency. These metrics underscore Grupo Cibest's commitment to sustainable growth and value creation for stakeholders.

Strong Financial Performance

Grupo Cibest reported a return on equity of 17.5% in Q2 2025, driven by an improved net interest margin of 6.6% and reduced provision expenses. Net income increased by 3% quarter-over-quarter and 24% year-over-year.

Nequi's Remarkable Growth

Nequi, the digital bank, reported loans totaling COP 1.1 trillion, reflecting a substantial 4.7-fold increase over the previous year. Deposits grew over 77%, reaching nearly 6 trillion, with a total income increase of 90%.

Asset Quality Improvement

The cost of risk was maintained at 1.6%, with declining nonperforming loans ratios, highlighting ongoing enhancement of asset quality.

Successful Share Repurchase Program

Grupo Cibest launched a share repurchase program with the goal to buy up to COP 1.3 trillion by June 2026. As of July 31, 5.2% of total shares had been repurchased.

Positive Macroeconomic Indicators

The Colombian economy grew by 2.9% during the first half of 2025, with household consumption and investment recovery contributing to economic momentum.

Bancolombia (CIB) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

Daily Earnings Calendar >

CIB Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Nov 06, 2025	2025 (Q3)	1.73 / -	1.435	―	―	―
Aug 06, 2025	2025 (Q2)	1.67 / 1.85	1.491	24.41% (+0.36)	―	―
May 05, 2025	2025 (Q1)	1.61 / 1.70	1.778	-4.22% (-0.07)	―	―
Feb 19, 2025	2024 (Q4)	1.39 / 1.70	1.539	10.72% (+0.17)	―	―
Nov 07, 2024	2024 (Q3)	1.42 / 1.44	1.523	-5.78% (-0.09)	―	―
Aug 08, 2024	2024 (Q2)	1.48 / 1.49	1.535	-2.87% (-0.04)	―	―
May 09, 2024	2024 (Q1)	1.44 / 1.78	1.577	12.75% (+0.20)	―	―
Feb 20, 2024	2023 (Q4)	1.40 / 1.54	1.411	9.07% (+0.13)	―	―
Nov 08, 2023	2023 (Q3)	1.42 / 1.52	1.411	7.94% (+0.11)	―	―
Aug 09, 2023	2023 (Q2)	1.43 / 1.53	1.715	-10.50% (-0.18)	―	―

The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.

Beat

Missed

CIB Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
Aug 06, 2025	$45.40	$46.64	+2.73%
May 05, 2025	$40.47	$41.19	+1.78%
Feb 19, 2025	$37.10	$37.48	+1.02%
Nov 07, 2024	$28.86	$28.36	-1.73%

Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.

FAQ

When does Bancolombia (CIB) report earnings?

Bancolombia (CIB) is schdueled to report earning on Nov 06, 2025, After Close (Confirmed).

What is Bancolombia (CIB) earnings time?

Bancolombia (CIB) earnings time is at Nov 06, 2025, After Close (Confirmed).

Where can I see when companies are reporting earnings?

You can see which companies are reporting today on our designated earnings calendar.

What companies are reporting earnings today?

You can see a list of the companies which are reporting today on TipRanks earnings calendar.

What is CIB EPS forecast?

CIB EPS forecast for the fiscal quarter 2025 (Q3) is 1.73.

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