COLUMBIA BANKING SYSTEM INC (COLB) Stock Fundamental Analysis
NASDAQ:COLB - Nasdaq - US1972361026 - Common Stock - Currency: USD
Taking everything into account, COLB scores 5 out of 10 in our fundamental rating. COLB was compared to 396 industry peers in the Banks industry. COLB has a medium profitability rating, but doesn't score so well on its financial health evaluation. 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.
COLB had a positive operating cash flow in the past year.
In the past 5 years COLB has always been profitable.
In the past 5 years COLB always reported a positive cash flow from operatings.
1.2 Ratios
COLB has a better Return On Assets (0.96%) than 61.87% of its industry peers.
COLB has a better Return On Equity (9.47%) than 60.86% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.96% | ||
| ROE | 9.47% | ||
| 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
The Profit Margin of COLB (25.49%) is better than 62.63% of its industry peers.
In the last couple of years the Profit Margin of COLB has declined.
COLB does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 25.49% | ||
| 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.
The number of shares outstanding for COLB has been increased compared to 5 years ago.
Compared to 1 year ago, COLB has a worse debt to assets ratio.
2.2 Solvency
COLB has a debt to FCF ratio of 1.10. This is a very positive value and a sign of high solvency as it would only need 1.10 years to pay back of all of its debts.
The Debt to FCF ratio of COLB (1.10) is better than 70.96% 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 better Debt to Equity ratio (0.12) than 65.40% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.12 | ||
| Debt/FCF | 1.1 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC14.13%
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 been growing slightly by 1.86% over the past year.
The Earnings Per Share has been growing slightly by 0.30% on average over the past years.
Looking at the last year, COLB shows a decrease in Revenue. The Revenue has decreased by -4.63% in the last year.
Measured over the past years, COLB shows a very strong growth in Revenue. The Revenue has been growing by 26.71% on average per year.
EPS 1Y (TTM)1.86%
EPS 3Y-0.96%
EPS 5Y0.3%
EPS Q2Q%3.08%
Revenue 1Y (TTM)-4.63%
Revenue growth 3Y45.87%
Revenue growth 5Y26.71%
Sales Q2Q%3.73%
3.2 Future
Based on estimates for the next years, COLB will show a small growth in Earnings Per Share. The EPS will grow by 6.85% on average per year.
COLB is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 15.21% yearly.
EPS Next Y0%
EPS Next 2Y7.4%
EPS Next 3Y6.85%
EPS Next 5YN/A
Revenue Next Year8.65%
Revenue Next 2Y19.42%
Revenue Next 3Y15.21%
Revenue Next 5YN/A
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
Although the future Revenue growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 8.53, the valuation of COLB can be described as very reasonable.
Compared to the rest of the industry, the Price/Earnings ratio of COLB indicates a rather cheap valuation: COLB is cheaper than 91.41% of the companies listed in the same industry.
COLB is valuated cheaply when we compare the Price/Earnings ratio to 26.29, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 7.45, which indicates a rather cheap valuation of COLB.
Based on the Price/Forward Earnings ratio, COLB is valued cheaply inside the industry as 83.33% of the companies are valued more expensively.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.17, COLB is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.53 | ||
| Fwd PE | 7.45 |
4.2 Price Multiples
70.20% of the companies in the same industry are more expensive than COLB, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 8.69 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
PEG (NY)5248.74
PEG (5Y)28.74
EPS Next 2Y7.4%
EPS Next 3Y6.85%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 6.04%, COLB is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 3.46, COLB pays a better dividend. On top of this COLB pays more dividend than 93.18% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.38, COLB pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.04% |
5.2 History
The dividend of COLB has a limited annual growth rate of 0.43%.
COLB has been paying a dividend for at least 10 years, so it has 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
60.54% of the earnings are spent on dividend by COLB. This is not a sustainable payout ratio.
COLB's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP60.54%
EPS Next 2Y7.4%
EPS Next 3Y6.85%
NASDAQ:COLB (6/3/2025, 11:52:07 AM)
23.37
+0.34 (+1.48%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners94.64%
Inst Owner Change2.44%
Ins Owners0.66%
Ins Owner Change-2.94%
Market Cap4.91B
Analysts71.76
Price Target28.25 (20.88%)
Short Float %4.61%
Short Ratio4.75
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.04% |
Yearly Dividend1.44
Dividend Growth(5Y)0.43%
DP60.54%
Div Incr Years3
Div Non Decr Years3
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)4.89%
Min EPS beat(2)2.82%
Max EPS beat(2)6.97%
EPS beat(4)4
Avg EPS beat(4)8.83%
Min EPS beat(4)2.82%
Max EPS beat(4)15.85%
EPS beat(8)6
Avg EPS beat(8)0.38%
EPS beat(12)8
Avg EPS beat(12)73.45%
EPS beat(16)11
Avg EPS beat(16)56.16%
Revenue beat(2)0
Avg Revenue beat(2)-1.67%
Min Revenue beat(2)-3.09%
Max Revenue beat(2)-0.25%
Revenue beat(4)1
Avg Revenue beat(4)-1.23%
Min Revenue beat(4)-3.09%
Max Revenue beat(4)1.17%
Revenue beat(8)1
Avg Revenue beat(8)-3.2%
Revenue beat(12)3
Avg Revenue beat(12)-2.77%
Revenue beat(16)5
Avg Revenue beat(16)-2.06%
PT rev (1m)-9.32%
PT rev (3m)-14.65%
EPS NQ rev (1m)-0.04%
EPS NQ rev (3m)0.14%
EPS NY rev (1m)-0.33%
EPS NY rev (3m)-0.35%
Revenue NQ rev (1m)-0.08%
Revenue NQ rev (3m)0.38%
Revenue NY rev (1m)6.18%
Revenue NY rev (3m)6.13%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.53 | ||
| Fwd PE | 7.45 | ||
| P/S | 2.52 | ||
| P/FCF | 8.69 | ||
| P/OCF | 8.25 | ||
| P/B | 0.94 | ||
| P/tB | 1.31 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.74
EY11.72%
EPS(NY)3.14
Fwd EY13.42%
FCF(TTM)2.69
FCFY11.51%
OCF(TTM)2.83
OCFY12.12%
SpS9.26
BVpS24.92
TBVpS17.85
PEG (NY)5248.74
PEG (5Y)28.74
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.96% | ||
| ROE | 9.47% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 25.49% | ||
| GM | N/A | ||
| FCFM | 29.04% |
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-Score7
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.12 | ||
| Debt/FCF | 1.1 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 20.7% | ||
| Cap/Sales | 1.54% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 113.94% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score7
WACC14.13%
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)1.86%
EPS 3Y-0.96%
EPS 5Y0.3%
EPS Q2Q%3.08%
EPS Next Y0%
EPS Next 2Y7.4%
EPS Next 3Y6.85%
EPS Next 5YN/A
Revenue 1Y (TTM)-4.63%
Revenue growth 3Y45.87%
Revenue growth 5Y26.71%
Sales Q2Q%3.73%
Revenue Next Year8.65%
Revenue Next 2Y19.42%
Revenue Next 3Y15.21%
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 1Y196.93%
FCF growth 3Y39.61%
FCF growth 5Y25.99%
OCF growth 1Y198.73%
OCF growth 3Y40.99%
OCF growth 5Y26.34%