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COLUMBIA BANKING SYSTEM INC (COLB) Stock Fundamental Analysis

NASDAQ:COLB - US1972361026 - Common Stock

26.97 USD
+1.65 (+6.52%)
Last: 8/22/2025, 8:00:32 PM
26.7201 USD
-0.25 (-0.93%)
After Hours: 8/22/2025, 8:00:32 PM
Fundamental Rating

5

Taking everything into account, COLB scores 5 out of 10 in our fundamental rating. COLB was compared to 393 industry peers in the Banks industry. COLB has a medium profitability rating, but doesn't score so well on its financial health evaluation. COLB has a decent growth rate and is not valued too expensively. COLB also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

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4

1. Profitability

1.1 Basic Checks

In the past year COLB was profitable.
COLB had a positive operating cash flow in the past year.
In the past 5 years COLB has always been profitable.
Each year in the past 5 years COLB had a positive operating cash flow.
COLB Yearly Net Income VS EBIT VS OCF VS FCFCOLB Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M

1.2 Ratios

With a decent Return On Assets value of 1.02%, COLB is doing good in the industry, outperforming 67.18% of the companies in the same industry.
With a decent Return On Equity value of 9.89%, COLB is doing good in the industry, outperforming 64.63% of the companies in the same industry.
Industry RankSector Rank
ROA 1.02%
ROE 9.89%
ROIC N/A
ROA(3y)0.98%
ROA(5y)0.97%
ROE(3y)9.57%
ROE(5y)8.61%
ROIC(3y)N/A
ROIC(5y)N/A
COLB Yearly ROA, ROE, ROICCOLB Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

COLB has a better Profit Margin (26.61%) than 68.45% of its industry peers.
In the last couple of years the Profit Margin of COLB has declined.
The Operating Margin and Gross Margin are not available for COLB so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 26.61%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-5.31%
PM growth 5Y-3.27%
GM growth 3YN/A
GM growth 5YN/A
COLB Yearly Profit, Operating, Gross MarginsCOLB Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

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3

2. Health

2.1 Basic Checks

COLB does not have a ROIC to compare to the WACC, probably because it is not profitable.
COLB has more shares outstanding than it did 1 year ago.
The number of shares outstanding for COLB has been increased compared to 5 years ago.
The debt/assets ratio for COLB is higher compared to a year ago.
COLB Yearly Shares OutstandingCOLB Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M 200M
COLB Yearly Total Debt VS Total AssetsCOLB Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10B 20B 30B 40B 50B

2.2 Solvency

The Debt to FCF ratio of COLB is 1.23, which is an excellent value as it means it would take COLB, only 1.23 years of fcf income to pay off all of its debts.
With a decent Debt to FCF ratio value of 1.23, COLB is doing good in the industry, outperforming 65.39% of the companies in the same industry.
COLB has a Debt/Equity ratio of 0.12. This is a healthy value indicating a solid balance between debt and equity.
COLB's Debt to Equity ratio of 0.12 is fine compared to the rest of the industry. COLB outperforms 65.14% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.12
Debt/FCF 1.23
Altman-Z N/A
ROIC/WACCN/A
WACC13.64%
COLB Yearly LT Debt VS Equity VS FCFCOLB Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B 4B 5B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
COLB Yearly Current Assets VS Current LiabilitesCOLB Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M

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6

3. Growth

3.1 Past

COLB shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 10.98%, which is quite good.
The Earnings Per Share has been growing slightly by 0.30% on average over the past years.
COLB shows a decrease in Revenue. In the last year, the revenue decreased by -0.21%.
The Revenue has been growing by 26.71% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)10.98%
EPS 3Y-0.96%
EPS 5Y0.3%
EPS Q2Q%13.43%
Revenue 1Y (TTM)-0.21%
Revenue growth 3Y45.87%
Revenue growth 5Y26.71%
Sales Q2Q%8.21%

3.2 Future

COLB is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 7.98% yearly.
The Revenue is expected to grow by 15.38% on average over the next years. This is quite good.
EPS Next Y8.66%
EPS Next 2Y8.64%
EPS Next 3Y7.98%
EPS Next 5YN/A
Revenue Next Year13.46%
Revenue Next 2Y21.46%
Revenue Next 3Y15.38%
Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
The estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
COLB Yearly Revenue VS EstimatesCOLB Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 1B 2B 3B
COLB Yearly EPS VS EstimatesCOLB Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 1 2 3

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6

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 9.53, the valuation of COLB can be described as reasonable.
Compared to the rest of the industry, the Price/Earnings ratio of COLB indicates a rather cheap valuation: COLB is cheaper than 86.77% of the companies listed in the same industry.
COLB's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.24.
A Price/Forward Earnings ratio of 8.40 indicates a reasonable valuation of COLB.
Compared to the rest of the industry, the Price/Forward Earnings ratio of COLB indicates a rather cheap valuation: COLB is cheaper than 81.42% of the companies listed in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.81, COLB is valued rather cheaply.
Industry RankSector Rank
PE 9.53
Fwd PE 8.4
COLB Price Earnings VS Forward Price EarningsCOLB Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, COLB is valued a bit cheaper than the industry average as 60.05% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 11.2
EV/EBITDA N/A
COLB Per share dataCOLB EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20 25

4.3 Compensation for Growth

COLB's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.1
PEG (5Y)32.12
EPS Next 2Y8.64%
EPS Next 3Y7.98%

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8

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 5.69%, COLB is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 3.30, COLB pays a better dividend. On top of this COLB pays more dividend than 91.86% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.34, COLB pays a better dividend.
Industry RankSector Rank
Dividend Yield 5.69%

5.2 History

The dividend of COLB has a limited annual growth rate of 0.43%.
COLB has paid a dividend for at least 10 years, which is a reliable track record.
COLB has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)0.43%
Div Incr Years3
Div Non Decr Years3
COLB Yearly Dividends per shareCOLB Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.5 1

5.3 Sustainability

COLB pays out 56.88% of its income as dividend. This is a bit on the high side, but may be sustainable.
COLB's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP56.88%
EPS Next 2Y8.64%
EPS Next 3Y7.98%
COLB Yearly Income VS Free CF VS DividendCOLB Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M
COLB Dividend Payout.COLB Dividend Payout, showing the Payout Ratio.COLB Dividend Payout.PayoutRetained Earnings

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COLUMBIA BANKING SYSTEM INC

NASDAQ:COLB (8/22/2025, 8:00:32 PM)

After market: 26.7201 -0.25 (-0.93%)

26.97

+1.65 (+6.52%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)07-24 2025-07-24/amc
Earnings (Next)10-22 2025-10-22/amc
Inst Owners96.88%
Inst Owner Change7.26%
Ins Owners0.56%
Ins Owner Change-1.19%
Market Cap5.67B
Analysts70
Price Target28.24 (4.71%)
Short Float %4.61%
Short Ratio3.91
Dividend
Industry RankSector Rank
Dividend Yield 5.69%
Yearly Dividend1.44
Dividend Growth(5Y)0.43%
DP56.88%
Div Incr Years3
Div Non Decr Years3
Ex-Date08-29 2025-08-29 (0.36)
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)7.67%
Min EPS beat(2)2.82%
Max EPS beat(2)12.52%
EPS beat(4)4
Avg EPS beat(4)8%
Min EPS beat(4)2.82%
Max EPS beat(4)12.52%
EPS beat(8)7
Avg EPS beat(8)3.72%
EPS beat(12)9
Avg EPS beat(12)74.69%
EPS beat(16)11
Avg EPS beat(16)55.92%
Revenue beat(2)1
Avg Revenue beat(2)0.68%
Min Revenue beat(2)-0.25%
Max Revenue beat(2)1.62%
Revenue beat(4)2
Avg Revenue beat(4)-0.14%
Min Revenue beat(4)-3.09%
Max Revenue beat(4)1.62%
Revenue beat(8)2
Avg Revenue beat(8)-1.47%
Revenue beat(12)4
Avg Revenue beat(12)-2.23%
Revenue beat(16)6
Avg Revenue beat(16)-1.83%
PT rev (1m)2.53%
PT rev (3m)-0.07%
EPS NQ rev (1m)7.25%
EPS NQ rev (3m)6.24%
EPS NY rev (1m)8.7%
EPS NY rev (3m)8.66%
Revenue NQ rev (1m)5.36%
Revenue NQ rev (3m)5.25%
Revenue NY rev (1m)4.77%
Revenue NY rev (3m)4.42%
Valuation
Industry RankSector Rank
PE 9.53
Fwd PE 8.4
P/S 2.86
P/FCF 11.2
P/OCF 10.28
P/B 1.06
P/tB 1.46
EV/EBITDA N/A
EPS(TTM)2.83
EY10.49%
EPS(NY)3.21
Fwd EY11.9%
FCF(TTM)2.41
FCFY8.93%
OCF(TTM)2.62
OCFY9.73%
SpS9.44
BVpS25.4
TBVpS18.46
PEG (NY)1.1
PEG (5Y)32.12
Profitability
Industry RankSector Rank
ROA 1.02%
ROE 9.89%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 26.61%
GM N/A
FCFM 25.51%
ROA(3y)0.98%
ROA(5y)0.97%
ROE(3y)9.57%
ROE(5y)8.61%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-5.31%
PM growth 5Y-3.27%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.12
Debt/FCF 1.23
Debt/EBITDA N/A
Cap/Depr 32.2%
Cap/Sales 2.28%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 95.85%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC13.64%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)142.07%
Profit Quality(5y)131.78%
High Growth Momentum
Growth
EPS 1Y (TTM)10.98%
EPS 3Y-0.96%
EPS 5Y0.3%
EPS Q2Q%13.43%
EPS Next Y8.66%
EPS Next 2Y8.64%
EPS Next 3Y7.98%
EPS Next 5YN/A
Revenue 1Y (TTM)-0.21%
Revenue growth 3Y45.87%
Revenue growth 5Y26.71%
Sales Q2Q%8.21%
Revenue Next Year13.46%
Revenue Next 2Y21.46%
Revenue Next 3Y15.38%
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y40.95%
FCF growth 3Y39.61%
FCF growth 5Y25.99%
OCF growth 1Y50.58%
OCF growth 3Y40.99%
OCF growth 5Y26.34%