COLUMBIA BANKING SYSTEM INC (COLB) Stock Fundamental Analysis
NASDAQ:COLB - Nasdaq - US1972361026 - Common Stock - Currency: USD
We assign a fundamental rating of 4 out of 10 to COLB. COLB was compared to 398 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. Finally COLB also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
COLB had positive earnings in the past year.
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.
1.2 Ratios
The Return On Assets of COLB (1.03%) is better than 70.10% of its industry peers.
With a decent Return On Equity value of 10.43%, COLB is doing good in the industry, outperforming 72.11% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.03% | ||
| ROE | 10.43% | ||
| 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 (27.66%) than 73.37% 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) | 27.66% | ||
| 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.
Compared to 1 year ago, COLB has more shares outstanding
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 1.08. This is a very positive value and a sign of high solvency as it would only need 1.08 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 1.08, COLB is in the better half of the industry, outperforming 74.62% of the companies in the same industry.
A Debt/Equity ratio of 0.13 indicates that COLB is not too dependend on debt financing.
COLB has a better Debt to Equity ratio (0.13) than 66.33% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.13 | ||
| Debt/FCF | 1.08 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC14.22%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
COLB shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 8.80%, which is quite good.
COLB shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 0.30% yearly.
Looking at the last year, COLB shows a decrease in Revenue. The Revenue has decreased by -3.39% in the last year.
COLB shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 26.71% yearly.
EPS 1Y (TTM)8.8%
EPS 3Y-0.96%
EPS 5Y0.3%
EPS Q2Q%61.36%
Revenue 1Y (TTM)-3.39%
Revenue growth 3Y45.87%
Revenue growth 5Y26.71%
Sales Q2Q%-6.73%
3.2 Future
COLB is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 3.57% yearly.
COLB is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.23% yearly.
EPS Next Y0.33%
EPS Next 2Y3.59%
EPS Next 3Y3.57%
EPS Next 5YN/A
Revenue Next Year2.43%
Revenue Next 2Y3.09%
Revenue Next 3Y3.23%
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.
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.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 8.05, 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 87.69% of the companies listed in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 28.29, COLB is valued rather cheaply.
COLB is valuated reasonably with a Price/Forward Earnings ratio of 8.02.
Based on the Price/Forward Earnings ratio, COLB is valued a bit cheaper than the industry average as 78.89% of the companies are valued more expensively.
Compared to an average S&P500 Price/Forward Earnings ratio of 21.32, COLB is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.05 | ||
| Fwd PE | 8.02 |
4.2 Price Multiples
78.64% 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 | 7.38 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates COLB does not grow enough to justify the current Price/Earnings ratio.
PEG (NY)24.17
PEG (5Y)27.13
EPS Next 2Y3.59%
EPS Next 3Y3.57%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 6.49%, COLB is a good candidate for dividend investing.
The stock price of COLB dropped by -22.39% in the last 3 months. With lower prices the dividend yield is higher, but it may be a sign investors do not trust the long term dividend.
COLB's Dividend Yield is rather good when compared to the industry average which is at 3.66. COLB pays more dividend than 94.22% of the companies in the same industry.
COLB's Dividend Yield is rather good when compared to the S&P500 average which is at 2.51.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.49% |
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
56.26% of the earnings are spent on dividend by COLB. This is a bit on the high side, but may be sustainable.
The dividend of COLB is growing, but earnings are growing more, so the dividend growth is sustainable.
DP56.26%
EPS Next 2Y3.59%
EPS Next 3Y3.57%
NASDAQ:COLB (4/21/2025, 2:41:35 PM)
21.9
-0.28 (-1.26%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners94.64%
Inst Owner Change0.09%
Ins Owners0.66%
Ins Owner Change-4.71%
Market Cap4.60B
Analysts73.33
Price Target32.83 (49.91%)
Short Float %3.49%
Short Ratio4.87
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.49% |
Yearly Dividend1.44
Dividend Growth(5Y)0.43%
DP56.26%
Div Incr Years3
Div Non Decr Years3
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)8.33%
Min EPS beat(2)6.97%
Max EPS beat(2)9.7%
EPS beat(4)4
Avg EPS beat(4)13.4%
Min EPS beat(4)6.97%
Max EPS beat(4)21.09%
EPS beat(8)6
Avg EPS beat(8)0.03%
EPS beat(12)8
Avg EPS beat(12)73.8%
EPS beat(16)11
Avg EPS beat(16)56.99%
Revenue beat(2)1
Avg Revenue beat(2)-0.96%
Min Revenue beat(2)-3.09%
Max Revenue beat(2)1.17%
Revenue beat(4)1
Avg Revenue beat(4)-2%
Min Revenue beat(4)-3.32%
Max Revenue beat(4)1.17%
Revenue beat(8)2
Avg Revenue beat(8)-3.03%
Revenue beat(12)4
Avg Revenue beat(12)-2.69%
Revenue beat(16)5
Avg Revenue beat(16)-2.2%
PT rev (1m)-0.84%
PT rev (3m)-3.21%
EPS NQ rev (1m)0.57%
EPS NQ rev (3m)-0.68%
EPS NY rev (1m)-0.02%
EPS NY rev (3m)-1.37%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-1.87%
Revenue NY rev (1m)0.05%
Revenue NY rev (3m)-0.64%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.05 | ||
| Fwd PE | 8.02 | ||
| P/S | 2.38 | ||
| P/FCF | 7.38 | ||
| P/OCF | 6.98 | ||
| P/B | 0.9 | ||
| P/tB | 1.28 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.72
EY12.42%
EPS(NY)2.73
Fwd EY12.46%
FCF(TTM)2.97
FCFY13.54%
OCF(TTM)3.14
OCFY14.32%
SpS9.18
BVpS24.36
TBVpS17.16
PEG (NY)24.17
PEG (5Y)27.13
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.03% | ||
| ROE | 10.43% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 27.66% | ||
| GM | N/A | ||
| FCFM | 32.3% |
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 | 0.13 | ||
| Debt/FCF | 1.08 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 23.8% | ||
| Cap/Sales | 1.85% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 116.78% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score7
WACC14.22%
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)8.8%
EPS 3Y-0.96%
EPS 5Y0.3%
EPS Q2Q%61.36%
EPS Next Y0.33%
EPS Next 2Y3.59%
EPS Next 3Y3.57%
EPS Next 5YN/A
Revenue 1Y (TTM)-3.39%
Revenue growth 3Y45.87%
Revenue growth 5Y26.71%
Sales Q2Q%-6.73%
Revenue Next Year2.43%
Revenue Next 2Y3.09%
Revenue Next 3Y3.23%
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 1Y-6.96%
FCF growth 3Y39.61%
FCF growth 5Y25.99%
OCF growth 1Y-1.64%
OCF growth 3Y40.99%
OCF growth 5Y26.34%