# Grupo Cibest S.A. (CIB)

> Source: Nexqual · https://nexqual.com/CIB · data as of 2026-10-22 20:00 UTC · cite as "Nexqual, Grupo Cibest S.A. (CIB), nexqual.com/CIB" · informational, not investment advice.

**Price:** USD 96.64 (-0.98% on the day) · last close of Oct 22, 2026; US market pre market, not a live price. Prev close 97.6 · day 95.34–97.89 · 52w 54.83–105.6 · market cap $22.8B · NYQ

## Key facts
- 1 of 80 tracked superinvestors hold CIB (13F, Q2 2026): 0 new, 1 added, 0 reduced, 0 unchanged.
- Analysts: Hold (mean 2.82 on a 1–5 scale) (11 analysts), mean target USD 84.72 (range 28.6–110).
- Total return with dividends: 1Y +84.9% vs S&P 500 +14.9%; 5Y +407.2% vs S&P 500 +80.3%.
- Next earnings: 2026-11-09, EPS estimate USD 2.77, revenue estimate $7.96T.

## Superinvestors (SEC 13F-HR, Q2 2026)
1 of 80 tracked investors hold CIB. Each row is the investor's latest 13F; change is vs their prior-quarter share count.
| Investor | Firm | % of portfolio | Value | Change |
|---|---|---|---|---|
| Sarah Ketterer | Causeway Capital Management | 0.12% | $10.9M | Added +3.2% |

## Analysts
Consensus Hold (mean 2.82 on a 1–5 scale), 11 analysts; mean target USD 84.72 (low 28.6, high 110).
Rating changes, last 120 days:
| Date | Firm | Action | Rating | Price target |
|---|---|---|---|---|
| 2026-09-16 | JP Morgan | Downgrade | Overweight → Neutral | $110 |
| 2026-08-13 | Goldman Sachs | Target raised | Buy | $98 → $110 |
| 2026-08-11 | JP Morgan | Upgrade | Neutral → Overweight | $70 → $110 |
| 2026-07-28 | Goldman Sachs | Upgrade | Neutral → Buy | $81 → $98 |
| 2026-07-16 | Goldman Sachs | Target raised | Neutral | $71 → $81 |

## Total return (dividends reinvested)
|  | 1Y (from 2025-10-23) | 5Y (from 2021-10-18) |
|---|---|---|
| Total return | +84.9% | +407.2% |
| S&P 500 (SPY) | +14.9% | +80.3% |
| Per year | +85.3% | +38.3% |
| Volatility (annualized) | 33.7% | 34.1% |
| Max drawdown | -23.9% (Jan 2026→May 2026) | -45.2% (May 2022→Mar 2023) |

## Peers (Banks - Regional)
BBD (Banco Bradesco Sa) USD 3.95 -2.47% · FITB (Fifth Third Bancorp) USD 53.23 +0.80% · DB (Deutsche Bank AG) USD 31.48 -2.39% · TFC (Truist Financial Corporation) USD 48.42 +1.45% · NWG (NatWest Group plc) USD 16.99 -2.30% · NU (Nu Holdings Ltd.) USD 14.73 -2.13%

## More
Full page: https://nexqual.com/CIB · Free keyless MCP server with the same data and citations: https://mcp.nexqual.com/mcp · Guide for agents: https://nexqual.com/agents · https://nexqual.com/llms.txt

## Supply chain and relationships (SEC annual reports)

Named in CIB's own 20-F filed 2026-04-08 (https://www.sec.gov/Archives/edgar/data/2058897/000205889726000125/cib-20251231.htm):

| Relationship | Company | Sentence in the filing |
|---|---|---|
| Customer | Cibest | "As of the date of this Annual Report, we have started to use machine learning within Cibest Corporate Group but do not currently use generative AI with customers, however we plan to initiate AI consumer use in 2026." |
| Partner | Tuya Inc. (TUYA) | "(2)During 2025 and 2024, Cibest Corporate Group's management requested a valuation of the joint venture Tuya S.A. to determine the recoverable amount, which amounted to COP 235,907 and COP 85,993 respectively, based on v…" |

## Analyst estimates and revisions

| Period | EPS est. | 90d ago | Change | Revenue est. | Analysts |
|---|---|---|---|---|---|
| Current quarter (ends 2026-09-30) | $2.77 | $2.56 | +8.5% | $7.96T | 5 |
| Next quarter (ends 2026-12-31) | $2.79 | $2.66 | +4.6% | $8.39T | 4 |
| Current fiscal year (ends 2026-12-31) | $10.56 | $9.43 | +11.9% | $31.35T | 5 |
| Next fiscal year (ends 2027-12-31) | $11.53 | $9.83 | +17.2% | $33.68T | 5 |

## Options: expected move (Cboe, 15-min delayed)

Expected move by 2026-11-20 (includes earnings 2026-11-09): ±9.3%.

| Expiration | Days | ATM IV | Expected move |
|---|---|---|---|
| 2026-11-20 | 28 | 40.9% | ±9.3% |
| 2026-12-18 | 56 | 33.8% | ±10.7% |
| 2027-01-15 | 84 | 32.5% | ±12.5% |
| 2027-03-19 | 147 | 32.7% | ±16.4% |
| 2027-04-16 | 175 | 32.8% | ±17.9% |
| 2027-06-17 | 237 | 31.8% | ±20.0% |
| 2027-09-17 | 329 | 31.0% | ±22.8% |