COLUMBIA BANKING SYSTEM INC (COLB) Fundamental Analysis & Valuation

NASDAQ:COLB • US1972361026

Current stock price

29.68 USD
+0.05 (+0.17%)
At close:
29.68 USD
0 (0%)
After Hours:

This COLB fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

3

1. COLB Profitability Analysis

1.1 Basic Checks

  • In the past year COLB was profitable.
  • COLB had a positive operating cash flow in the past year.
  • Each year in the past 5 years COLB has 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M

1.2 Ratios

  • COLB's Return On Assets of 0.95% is in line compared to the rest of the industry. COLB outperforms 50.80% of its industry peers.
  • COLB's Return On Equity of 8.12% is on the low side compared to the rest of the industry. COLB is outperformed by 64.10% of its industry peers.
Industry RankSector Rank
ROA 0.95%
ROE 8.12%
ROIC N/A
ROA(3y)0.84%
ROA(5y)0.95%
ROE(3y)8.14%
ROE(5y)8.71%
ROIC(3y)N/A
ROIC(5y)N/A
COLB Yearly ROA, ROE, ROICCOLB Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6 8 10

1.3 Margins

  • Looking at the Profit Margin, with a value of 22.80%, COLB is doing worse than 63.30% of the companies in the same industry.
  • COLB's Profit Margin has been stable in the last couple of years.
  • 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) 22.8%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-11.64%
PM growth 5Y-1.2%
GM growth 3YN/A
GM growth 5YN/A
COLB Yearly Profit, Operating, Gross MarginsCOLB Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30

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ROAROEROICOperating and Profit MarginShow most profitable peers

3

2. COLB Health Analysis

2.1 Basic Checks

  • COLB does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • Compared to 1 year ago, COLB has more shares outstanding
  • COLB has more shares outstanding than it did 5 years ago.
  • The debt/assets ratio for COLB has been reduced compared to a year ago.
COLB Yearly Shares OutstandingCOLB Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M 200M 250M
COLB Yearly Total Debt VS Total AssetsCOLB Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20B 40B 60B

2.2 Solvency

  • COLB has a debt to FCF ratio of 0.91. This is a very positive value and a sign of high solvency as it would only need 0.91 years to pay back of all of its debts.
  • COLB has a Debt to FCF ratio of 0.91. This is in the better half of the industry: COLB outperforms 69.95% of its industry peers.
  • A Debt/Equity ratio of 0.08 indicates that COLB is not too dependend on debt financing.
  • Looking at the Debt to Equity ratio, with a value of 0.08, COLB is in the better half of the industry, outperforming 71.81% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.08
Debt/FCF 0.91
Altman-Z N/A
ROIC/WACCN/A
WACC11.78%
COLB Yearly LT Debt VS Equity VS FCFCOLB Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B

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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

6

3. COLB Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an nice 13.97% over the past year.
  • COLB shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 7.39% yearly.
  • Looking at the last year, COLB shows a very strong growth in Revenue. The Revenue has grown by 44.73%.
  • COLB shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 30.64% yearly.
EPS 1Y (TTM)13.97%
EPS 3Y-0.74%
EPS 5Y7.39%
EPS Q2Q%15.49%
Revenue 1Y (TTM)44.73%
Revenue growth 3Y47.17%
Revenue growth 5Y30.64%
Sales Q2Q%48.07%

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 5.79% on average per year.
  • Based on estimates for the next years, COLB will show a quite strong growth in Revenue. The Revenue will grow by 8.69% on average per year.
EPS Next Y0.31%
EPS Next 2Y5.18%
EPS Next 3Y5.79%
EPS Next 5YN/A
Revenue Next Year21.89%
Revenue Next 2Y11.99%
Revenue Next 3Y8.69%
Revenue Next 5YN/A

3.3 Evolution

  • The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
COLB Yearly Revenue VS EstimatesCOLB Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 500M 1B 1.5B 2B 2.5B
COLB Yearly EPS VS EstimatesCOLB Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 1 2 3

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5

4. COLB Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 9.57, which indicates a very decent valuation of COLB.
  • COLB's Price/Earnings ratio is rather cheap when compared to the industry. COLB is cheaper than 87.50% of the companies in the same industry.
  • The average S&P500 Price/Earnings ratio is at 27.95. COLB is valued rather cheaply when compared to this.
  • A Price/Forward Earnings ratio of 9.54 indicates a reasonable valuation of COLB.
  • 75.80% of the companies in the same industry are more expensive than COLB, based on the Price/Forward Earnings ratio.
  • COLB's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 38.68.
Industry RankSector Rank
PE 9.57
Fwd PE 9.54
COLB Price Earnings VS Forward Price EarningsCOLB Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • COLB's Price/Free Cash Flow ratio is in line with the industry average.
Industry RankSector Rank
P/FCF 12.19
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

  • The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
PEG (NY)31.07
PEG (5Y)1.29
EPS Next 2Y5.18%
EPS Next 3Y5.79%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

8

5. COLB Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 5.11%, COLB is a good candidate for dividend investing.
  • COLB's Dividend Yield is rather good when compared to the industry average which is at 2.57. COLB pays more dividend than 94.41% of the companies in the same industry.
  • COLB's Dividend Yield is rather good when compared to the S&P500 average which is at 1.81.
Industry RankSector Rank
Dividend Yield 5.11%

5.2 History

  • The dividend of COLB has a limited annual growth rate of 0.01%.
  • 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)0.01%
Div Incr Years4
Div Non Decr Years4
COLB Yearly Dividends per shareCOLB Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.5 1

5.3 Sustainability

  • COLB pays out 52.62% 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.
DP52.62%
EPS Next 2Y5.18%
EPS Next 3Y5.79%
COLB Yearly Income VS Free CF VS DividendCOLB Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M
COLB Dividend Payout.COLB Dividend Payout, showing the Payout Ratio.COLB Dividend Payout.PayoutRetained Earnings

More info and screens

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COLB Fundamentals: All Metrics, Ratios and Statistics

COLUMBIA BANKING SYSTEM INC

NASDAQ:COLB (4/20/2026, 8:00:01 PM)

After market: 29.68 0 (0%)

29.68

+0.05 (+0.17%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-22
Earnings (Next)04-23
Inst Owners101.84%
Inst Owner Change0.43%
Ins Owners0.44%
Ins Owner Change-0.95%
Market Cap8.61B
Revenue(TTM)2.79B
Net Income(TTM)636.61M
Analysts73.68
Price Target32.85 (10.68%)
Short Float %3.89%
Short Ratio3.65
Dividend
Industry RankSector Rank
Dividend Yield 5.11%
Yearly Dividend1.33
Dividend Growth(5Y)0.01%
DP52.62%
Div Incr Years4
Div Non Decr Years4
Ex-Date02-27
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)16.63%
Min EPS beat(2)12.51%
Max EPS beat(2)20.75%
EPS beat(4)4
Avg EPS beat(4)12.15%
Min EPS beat(4)2.82%
Max EPS beat(4)20.75%
EPS beat(8)8
Avg EPS beat(8)12.78%
EPS beat(12)10
Avg EPS beat(12)4.07%
EPS beat(16)12
Avg EPS beat(16)58.38%
Revenue beat(2)2
Avg Revenue beat(2)2.1%
Min Revenue beat(2)0.97%
Max Revenue beat(2)3.24%
Revenue beat(4)3
Avg Revenue beat(4)1.39%
Min Revenue beat(4)-0.25%
Max Revenue beat(4)3.24%
Revenue beat(8)4
Avg Revenue beat(8)-0.3%
Revenue beat(12)5
Avg Revenue beat(12)-1.55%
Revenue beat(16)7
Avg Revenue beat(16)-1.67%
PT rev (1m)-0.77%
PT rev (3m)6.62%
EPS NQ rev (1m)-0.38%
EPS NQ rev (3m)-1.74%
EPS NY rev (1m)-0.23%
EPS NY rev (3m)0.61%
Revenue NQ rev (1m)-0.19%
Revenue NQ rev (3m)-0.48%
Revenue NY rev (1m)-0.25%
Revenue NY rev (3m)0.04%
Valuation
Industry RankSector Rank
PE 9.57
Fwd PE 9.54
P/S 3.08
P/FCF 12.19
P/OCF 11.54
P/B 1.1
P/tB 1.52
EV/EBITDA N/A
EPS(TTM)3.1
EY10.44%
EPS(NY)3.11
Fwd EY10.48%
FCF(TTM)2.43
FCFY8.2%
OCF(TTM)2.57
OCFY8.67%
SpS9.63
BVpS27.04
TBVpS19.47
PEG (NY)31.07
PEG (5Y)1.29
Graham Number43.4249 (46.31%)
Profitability
Industry RankSector Rank
ROA 0.95%
ROE 8.12%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 22.8%
GM N/A
FCFM 25.28%
ROA(3y)0.84%
ROA(5y)0.95%
ROE(3y)8.14%
ROE(5y)8.71%
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-11.64%
PM growth 5Y-1.2%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.08
Debt/FCF 0.91
Debt/EBITDA N/A
Cap/Depr 28.37%
Cap/Sales 1.43%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 110.9%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC11.78%
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)145.74%
Profit Quality(5y)133.53%
High Growth Momentum
Growth
EPS 1Y (TTM)13.97%
EPS 3Y-0.74%
EPS 5Y7.39%
EPS Q2Q%15.49%
EPS Next Y0.31%
EPS Next 2Y5.18%
EPS Next 3Y5.79%
EPS Next 5YN/A
Revenue 1Y (TTM)44.73%
Revenue growth 3Y47.17%
Revenue growth 5Y30.64%
Sales Q2Q%48.07%
Revenue Next Year21.89%
Revenue Next 2Y11.99%
Revenue Next 3Y8.69%
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 1Y13.29%
FCF growth 3Y33.99%
FCF growth 5Y30.91%
OCF growth 1Y13.22%
OCF growth 3Y35.37%
OCF growth 5Y31.15%

COLUMBIA BANKING SYSTEM INC / COLB Fundamental Analysis FAQ

What is the fundamental rating for COLB stock?

ChartMill assigns a fundamental rating of 4 / 10 to COLB.


What is the valuation status for COLB stock?

ChartMill assigns a valuation rating of 5 / 10 to COLUMBIA BANKING SYSTEM INC (COLB). This can be considered as Fairly Valued.


How profitable is COLUMBIA BANKING SYSTEM INC (COLB) stock?

COLUMBIA BANKING SYSTEM INC (COLB) has a profitability rating of 3 / 10.


What is the financial health of COLUMBIA BANKING SYSTEM INC (COLB) stock?

The financial health rating of COLUMBIA BANKING SYSTEM INC (COLB) is 3 / 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 0.31% in the next year.