COLUMBIA BANKING SYSTEM INC (COLB) Stock Fundamental Analysis
USA - NASDAQ:COLB - US1972361026 - Common Stock
26.93 USD
+0.51 (+1.93%)
26.91 USD
-0.02 (-0.07%)
Taking everything into account, COLB scores 5 out of 10 in our fundamental rating. COLB was compared to 390 industry peers in the Banks industry. There are concerns on the financial health of COLB while its profitability can be described as average. COLB is not valued too expensively and it also shows a decent growth rate. COLB also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
In the past year COLB was profitable.
In the past year COLB had a positive cash flow from operations.
In the past 5 years COLB has always been profitable.
Each year in the past 5 years COLB had a positive operating cash flow.
1.2 Ratios
Looking at the Return On Assets, with a value of 1.02%, COLB is in the better half of the industry, outperforming 65.90% of the companies in the same industry.
The Return On Equity of COLB (9.89%) is better than 63.59% of its industry peers.
| Industry Rank | Sector 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
1.3 Margins
COLB has a better Profit Margin (26.61%) than 67.18% of its industry peers.
COLB's Profit Margin has declined in the last couple of years.
The Operating Margin and Gross Margin are not available for COLB so they could not be analyzed.
| Industry Rank | Sector 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
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.
COLB has more shares outstanding than it did 5 years ago.
COLB has a worse debt/assets ratio than last year.
2.2 Solvency
COLB has a debt to FCF ratio of 1.23. This is a very positive value and a sign of high solvency as it would only need 1.23 years to pay back of all of its debts.
COLB has a Debt to FCF ratio of 1.23. This is in the better half of the industry: COLB outperforms 63.59% of its industry peers.
COLB has a Debt/Equity ratio of 0.12. This is a healthy value indicating a solid balance between debt and equity.
COLB has a Debt to Equity ratio of 0.12. This is in the better half of the industry: COLB outperforms 65.38% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.12 | ||
| Debt/FCF | 1.23 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC12.29%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 22.04% over the past year.
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 -3.39%.
The Revenue has been growing by 26.71% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)22.04%
EPS 3Y-0.96%
EPS 5Y0.3%
EPS Q2Q%23.19%
Revenue 1Y (TTM)-3.39%
Revenue growth 3Y45.87%
Revenue growth 5Y26.71%
Sales Q2Q%17.25%
3.2 Future
COLB is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 7.61% yearly.
The Revenue is expected to grow by 14.10% on average over the next years. This is quite good.
EPS Next Y9.79%
EPS Next 2Y8.01%
EPS Next 3Y7.61%
EPS Next 5YN/A
Revenue Next Year17.97%
Revenue Next 2Y20.92%
Revenue Next 3Y14.1%
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.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 9.01, which indicates a very decent valuation of COLB.
Based on the Price/Earnings ratio, COLB is valued cheaply inside the industry as 84.87% of the companies are valued more expensively.
COLB is valuated cheaply when we compare the Price/Earnings ratio to 25.83, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 8.49, which indicates a very decent valuation of COLB.
COLB's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. COLB is cheaper than 73.59% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 32.68, COLB is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.01 | ||
| Fwd PE | 8.49 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, COLB is valued a bit more expensive than 62.82% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 15.9 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
COLB's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.92
PEG (5Y)30.35
EPS Next 2Y8.01%
EPS Next 3Y7.61%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 5.45%, COLB is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 3.38, COLB pays a better dividend. On top of this COLB pays more dividend than 90.26% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.37, COLB pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.45% |
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
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 2Y8.01%
EPS Next 3Y7.61%
26.93
+0.51 (+1.93%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners72.06%
Inst Owner Change0.92%
Ins Owners0.5%
Ins Owner Change4.17%
Market Cap8.05B
Revenue(TTM)1.93B
Net Income(TTM)528.48M
Analysts73.68
Price Target29.66 (10.14%)
Short Float %3.27%
Short Ratio1.76
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.45% |
Yearly Dividend1.44
Dividend Growth(5Y)0.43%
DP56.88%
Div Incr Years3
Div Non Decr Years3
Ex-Date
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)2.32%
PT rev (3m)7.69%
EPS NQ rev (1m)-3.87%
EPS NQ rev (3m)-1.91%
EPS NY rev (1m)1.33%
EPS NY rev (3m)9.83%
Revenue NQ rev (1m)1.48%
Revenue NQ rev (3m)6.03%
Revenue NY rev (1m)1.22%
Revenue NY rev (3m)7.27%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.01 | ||
| Fwd PE | 8.49 | ||
| P/S | 4.06 | ||
| P/FCF | 15.9 | ||
| P/OCF | 14.59 | ||
| P/B | 1.51 | ||
| P/tB | 2.07 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.99
EY11.1%
EPS(NY)3.17
Fwd EY11.78%
FCF(TTM)1.69
FCFY6.29%
OCF(TTM)1.85
OCFY6.85%
SpS6.64
BVpS17.86
TBVpS12.98
PEG (NY)0.92
PEG (5Y)30.35
Graham Number34.67
Profitability
| Industry Rank | Sector 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
ROICexgc growth 3YN/A
ROICexgc 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 Rank | Sector 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
WACC12.29%
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)22.04%
EPS 3Y-0.96%
EPS 5Y0.3%
EPS Q2Q%23.19%
EPS Next Y9.79%
EPS Next 2Y8.01%
EPS Next 3Y7.61%
EPS Next 5YN/A
Revenue 1Y (TTM)-3.39%
Revenue growth 3Y45.87%
Revenue growth 5Y26.71%
Sales Q2Q%17.25%
Revenue Next Year17.97%
Revenue Next 2Y20.92%
Revenue Next 3Y14.1%
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%
COLUMBIA BANKING SYSTEM INC / COLB FAQ
What is the ChartMill fundamental rating of COLUMBIA BANKING SYSTEM INC (COLB) stock?
ChartMill assigns a fundamental rating of 5 / 10 to COLB.
Can you provide the valuation status for COLUMBIA BANKING SYSTEM INC?
ChartMill assigns a valuation rating of 5 / 10 to COLUMBIA BANKING SYSTEM INC (COLB). This can be considered as Fairly Valued.
What is the profitability of COLB stock?
COLUMBIA BANKING SYSTEM INC (COLB) has a profitability rating of 4 / 10.
Can you provide the expected EPS growth for COLB stock?
The Earnings per Share (EPS) of COLUMBIA BANKING SYSTEM INC (COLB) is expected to grow by 9.79% in the next year.
How sustainable is the dividend of COLUMBIA BANKING SYSTEM INC (COLB) stock?
The dividend rating of COLUMBIA BANKING SYSTEM INC (COLB) is 8 / 10 and the dividend payout ratio is 56.88%.