Bancolombia's first quarter results showed positive financial performance with increased net income and strong ROE. The successful merger of digital platforms and recognition in ESG are notable achievements. However, challenges remain with a slight contraction in the loan portfolio and a difficult fiscal environment in Colombia, compounded by global economic uncertainties.

Company Guidance -

Q3 2025

During Bancolombia's first quarter 2025 earnings call, the company provided several key metrics and guidance for the fiscal year. The quarterly net income was reported at COP1.7 trillion, marking a 4.5% growth both quarterly and annually, with a robust net interest margin (NIM) of over 6.4% and a return on equity (ROE) of 16.3%. The loan portfolio decreased slightly during the quarter but grew 7% on an annual basis, while deposits fell by 1% quarterly but increased nearly 13% annually. The cost of risk for the period was 1.6%, supported by improved asset quality and lower delinquency rates. Bancolombia's capital position remains strong with a total solvency ratio of nearly 13% and a core equity Tier 1 ratio of 11%. The company announced the completion of legal steps for reorganizing under the new holding structure, Grupo Cibest, with expected changes in Colombian operations to appear in May's financial statements. For the fiscal year 2025, Bancolombia anticipates loan growth of approximately 5%, a NIM of around 6.2%, a cost of risk between 1.8% and 2%, an efficiency ratio of approximately 51%, and an ROE between 14.5% and 15%.

Quarterly Net Income Increase

Bancolombia reported a quarterly net income of COP 1.7 trillion, reflecting a 4.5% growth both on a quarterly and annual basis.

Strong Return on Equity

The return on equity (ROE) was 16.3% for the quarter, showcasing robust financial performance.

Positive Asset Quality Trends

Improved asset quality with lower delinquency rates and a cost of risk of 1.6% for the period.

Successful Merger of Digital Banking Platforms

Bancolombia A la Mano merged with Nequi, now serving 23.5 million users, enhancing digital service offerings.

Resilient Deposit Growth

Annual deposit growth was 13%, demonstrating Bancolombia's ability to secure funding without raising costs.

Recognition in ESG

Bancolombia was recognized as Colombia's top ESG company for the 6th consecutive year.

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

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CIB Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Nov 06, 2025	2025 (Q3)	1.63 / -	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
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%
Aug 08, 2024	$27.09	$27.09	0.00%

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 SA (CIB) report earnings?

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

What is Bancolombia SA (CIB) earnings time?

Bancolombia SA (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 1.63.

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