Financial Results 3Q25 1. 3Q25 highlights Strong net income and return on equity underpinned by resilient margins and ongoing improvements in asset quality. 3. In September, Nequi reported positive net income, marking a key milestone on its path toward sustained profitability. . Consumer loans gaining traction, providing room for 2 higher yields 4. Solid progress on share buybacks continues to enhance ROE and boost key valuation metrics. | | Loans | Deposits | NIM | | --- | --- | --- | --- | | | 0.1% Q/Q | ...

Group 1: Fox Corporation (FOXA) - The company has a Zacks Rank of 1, indicating strong performance potential [1] - The Zacks Consensus Estimate for its current year earnings has increased by 5.6% over the last 60 days [1] - Fox Corporation has a PEG ratio of 1.46, which is lower than the industry average of 1.93, and possesses a Growth Score of B [1] Group 2: Grupo Cibest S.A. (CIB) - The company also holds a Zacks Rank of 1, suggesting favorable investment conditions [2] - The Zacks Consensus Estimate for its current year earnings has risen by 3.3% over the last 60 days [2] - Grupo Cibest has a PEG ratio of 1.14, significantly lower than the industry average of 2.66, and has a Growth Score of B [2] Group 3: Futu Holdings Limited (FUTU) - This company carries a Zacks Rank of 1, reflecting strong growth potential [3] - The Zacks Consensus Estimate for its current year earnings has increased by 6.2% over the last 60 days [3] - Futu Holdings has a PEG ratio of 0.64, which is lower than the industry average of 0.98, and possesses a Growth Score of B [3]

Core Insights - Grupo Cibest S.A. (CIB) is expected to report third-quarter 2025 results on November 5, with anticipated year-over-year earnings growth driven by increased net interest income and lower credit impairment charges [1][2][8] Earnings Performance - CIB has a strong earnings surprise history, having surpassed the Zacks Consensus Estimate in the last four quarters with an average beat of 6.5% [2] - The Zacks Consensus Estimate for CIB's third-quarter earnings is $1.84 per share, reflecting a 23.5% increase from the same quarter last year [2][8] Lending Environment - The lending environment in Colombia remains stable, with higher interest rates likely contributing to net interest income, although net interest margins may face pressure due to elevated funding costs [3] Earnings Prediction Model - The quantitative model indicates a high probability of CIB beating the Zacks Consensus Estimate, supported by a positive Earnings ESP of +4.89% and a Zacks Rank of 3 (Hold) or better [4] Zacks Rank - Currently, CIB holds a Zacks Rank of 1 (Strong Buy), indicating strong market confidence in the stock [5]

Group 1: Universal Health Services, Inc. (UHS) - The company operates hospitals and behavioral health care facilities and holds a Zacks Rank 1 [1] - The Zacks Consensus Estimate for its current year earnings has increased by 3.8% over the last 60 days [1] - Universal Health has a PEG ratio of 0.80, which is lower than the industry average of 0.95, and possesses a Growth Score of B [1] Group 2: Grupo Cibest S.A. (CIB) - The company provides banking services and products and also carries a Zacks Rank 1 [2] - The Zacks Consensus Estimate for its current year earnings has increased by 3.3% over the last 60 days [2] - Grupo Cibest has a PEG ratio of 1.14, significantly lower than the industry average of 2.70, and possesses a Growth Score of B [2] Group 3: Futu Holdings Limited (FUTU) - The company operates as an online brokerage and wealth management platform and holds a Zacks Rank 1 [3] - The Zacks Consensus Estimate for its current year earnings has increased by 6.2% over the last 60 days [3] - Futu has a PEG ratio of 0.71, which is lower than the industry average of 1.06, and possesses a Growth Score of B [3]

Core Viewpoint - Growth stocks are appealing due to their potential for above-average financial growth, but identifying those that can fulfill their potential is challenging [1] Group 1: Company Overview - Grupo Cibest (CIB) is identified as a promising growth stock with a favorable Growth Score and a top Zacks Rank [2] - The company has a historical EPS growth rate of 58.3%, with projected EPS growth of 15.4% this year, surpassing the industry average of 12% [4] Group 2: Financial Metrics - Cash flow growth for Grupo Cibest is currently at 6.6%, significantly higher than the industry average of -8.1% [5] - The company's annualized cash flow growth rate over the past 3-5 years is 8.2%, compared to the industry average of 4.6% [6] Group 3: Earnings Estimates - There is a positive trend in earnings estimate revisions for Grupo Cibest, with the current-year earnings estimates increasing by 1.7% over the past month [7] - The combination of upward earnings estimate revisions and a Growth Score of B positions Grupo Cibest favorably for outperformance [9]

Core Insights - Grupo Cibest (CIB) shares have increased by 10.3% over the past month and have gained 82.2% since the beginning of the year, outperforming the Zacks Conglomerates sector and the Zacks Diversified Operations industry, both of which returned 1.3% [1] Financial Performance - Grupo Cibest has consistently exceeded earnings expectations, reporting an EPS of $1.79 against a consensus estimate of $1.66 in its last earnings report on August 7, 2025 [2] - For the current fiscal year, the company is projected to achieve earnings of $7.27 per share on revenues of $6.87 billion, reflecting a 15.4% increase in EPS and a 3.91% increase in revenues [3] - The next fiscal year forecasts an EPS of $7.42 and revenues of $7.27 billion, indicating year-over-year changes of 2.06% and 5.91%, respectively [3] Valuation Metrics - Grupo Cibest has a Value Score of A, with Growth and Momentum Scores of B and C, respectively, resulting in a combined VGM Score of A [6] - The stock trades at 7.9 times the current fiscal year EPS estimates, significantly lower than the peer industry average of 19.1 times [7] - On a trailing cash flow basis, the stock also trades at 7.9 times compared to the peer group's average of 11.5 times, and it has a PEG ratio of 1.13, positioning it favorably for value investors [7] Zacks Rank - Grupo Cibest holds a Zacks Rank of 1 (Strong Buy), supported by a positive earnings estimate revision trend [8] - The stock meets the criteria for selection, as it carries a Zacks Rank of 1 or 2 and Style Scores of A or B, suggesting potential for further gains [9]

Group 1: Lam Research (LRCX) - Lam Research supplies wafer fabrication equipment and services to the semiconductor industry [1] - The company has a Zacks Rank 1 (Strong Buy) and a Growth Score of A [1] - The Zacks Consensus Estimate for its current year earnings has increased by 6.3% over the last 60 days [1] - Lam Research has a PEG ratio of 1.64 compared to 3.73 for the industry [1] Group 2: Fox (FOX) - Fox produces and distributes news, sports, and entertainment content [2] - The company holds a Zacks Rank 1 and a Growth Score of B [2] - The Zacks Consensus Estimate for its current year earnings has increased by 3% over the last 60 days [2] - Fox has a PEG ratio of 1.31 compared to 2.37 for the industry [2] Group 3: Grupo Cibest S.A. - Sponsored ADR (CIB) - Grupo Cibest provides a range of financial products and services to various customer bases throughout Colombia, Latin America, and the Caribbean [3] - The company has a Zacks Rank 1 and a Growth Score of B [3][4] - The Zacks Consensus Estimate for its current year earnings has increased by 3.3% over the last 60 days [3] - Grupo Cibest has a PEG ratio of 1.12 compared to 2.85 for the industry [4]

Core Insights - Grupo Cibest (CIB) is currently rated as a Strong Buy with a Zacks Rank of 1, while Federal Signal (FSS) holds a Zacks Rank of 3, indicating a Hold status [3] - CIB is experiencing positive earnings estimate revisions, suggesting an improving earnings outlook compared to FSS [3] Valuation Metrics - CIB has a forward P/E ratio of 7.68, significantly lower than FSS's forward P/E of 31.36, indicating that CIB may be undervalued [5] - The PEG ratio for CIB is 1.10, while FSS has a PEG ratio of 2.24, further suggesting that CIB offers better value considering its expected earnings growth [5] - CIB's P/B ratio stands at 2.58, compared to FSS's P/B of 6.02, reinforcing the notion that CIB is more attractively priced relative to its book value [6] - Based on these valuation metrics, CIB has received a Value grade of A, while FSS has a Value grade of D, indicating a stronger value proposition for CIB [6]

Core Viewpoint - Investors are increasingly seeking growth stocks that demonstrate above-average growth potential, particularly in the financial sector, to achieve exceptional returns. However, identifying such stocks can be challenging due to inherent volatility and risks associated with growth stocks [1]. Group 1: Growth Stock Identification - The Zacks Growth Style Score system aids in identifying promising growth stocks by analyzing real growth prospects beyond traditional metrics. Grupo Cibest (CIB) is currently highlighted as a recommended stock due to its favorable Growth Score and top Zacks Rank [2]. - Stocks with a Growth Score of A or B and a Zacks Rank of 1 (Strong Buy) or 2 (Buy) have been shown to consistently outperform the market [3]. Group 2: Earnings Growth - Earnings growth is a critical factor for growth investors, with double-digit growth being particularly attractive as it signals strong future prospects. Grupo Cibest has a historical EPS growth rate of 58.3%, with a projected EPS growth of 10.3% for the current year, surpassing the industry average of 9.6% [4][5]. Group 3: Cash Flow Growth - Cash flow growth is essential for growth-oriented companies, allowing them to expand without relying on external funding. Grupo Cibest's year-over-year cash flow growth stands at 6.6%, significantly higher than the industry average of -8.1%. The company's annualized cash flow growth rate over the past 3-5 years is 8.2%, compared to the industry average of 4.6% [6][7]. Group 4: Earnings Estimate Revisions - Positive trends in earnings estimate revisions correlate strongly with stock price movements. Grupo Cibest has seen upward revisions in current-year earnings estimates, with the Zacks Consensus Estimate increasing by 1.7% over the past month [8][9]. Group 5: Overall Assessment - Grupo Cibest has achieved a Zacks Rank of 2 and a Growth Score of A, indicating its potential as an outperformer and a solid choice for growth investors based on the discussed metrics [10][11].

Core Viewpoint - Grupo Cibest (CIB) has shown significant stock performance, with a 72.8% increase since the beginning of the year, outperforming the Zacks Conglomerates sector and the Zacks Diversified Operations industry, both of which have declined by 9.6% [1] Financial Performance - Grupo Cibest has consistently exceeded earnings expectations, reporting an EPS of $1.79 against a consensus estimate of $1.66 in its last earnings report on August 7, 2025 [2] - For the current fiscal year, the company is projected to achieve earnings of $6.87 per share with revenues of $6.87 billion, reflecting a 9.05% increase in EPS and a 3.91% increase in revenues [3] - The next fiscal year forecasts an EPS of $7.16 and revenues of $7.27 billion, indicating year-over-year growth of 4.32% in EPS and 5.91% in revenues [3] Valuation Metrics - Grupo Cibest's stock trades at 7.9 times the current fiscal year EPS estimates, significantly lower than the peer industry average of 18.5 times [7] - On a trailing cash flow basis, the stock trades at 7.5 times compared to the peer group's average of 11.1 times, and it has a PEG ratio of 1.12, positioning it favorably for value investors [7] Style Scores and Zacks Rank - The stock has a Value Score of A, a Growth Score of A, and a Momentum Score of F, resulting in a combined VGM Score of A [6] - Grupo Cibest holds a Zacks Rank of 2 (Buy), supported by positive earnings estimate revisions from analysts [8] - The stock meets the criteria for selection based on Zacks Rank and Style Scores, suggesting potential for further price appreciation in the near term [9]