COLUMBIA BANKING SYSTEM INC (COLB) Stock Fundamental Analysis

NASDAQ:COLB • US1972361026

30.07 USD
-1.69 (-5.32%)
At close: Feb 23, 2026
30.07 USD
0 (0%)
After Hours: 2/23/2026, 8:00:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

Taking everything into account, COLB scores 4 out of 10 in our fundamental rating. COLB was compared to 379 industry peers in the Banks industry. Both the profitability and financial health of COLB have multiple concerns. COLB has a correct valuation and a medium growth rate. COLB also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

2

1. Profitability

1.1 Basic Checks

  • COLB had positive earnings in the past year.
  • In the past year COLB had a positive cash flow from operations.
  • In the past 5 years COLB has always been profitable.
  • COLB had a positive operating cash flow in 4 of the past 5 years.
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

  • The Return On Assets of COLB (0.84%) is comparable to the rest of the industry.
  • With a Return On Equity value of 7.25%, COLB is not doing good in the industry: 64.91% of the companies in the same industry are doing better.
Industry RankSector Rank
ROA 0.84%
ROE 7.25%
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 22.04%, COLB is doing worse than 60.42% of the companies in the same industry.
  • COLB's Profit Margin has been stable in the last couple of years.
  • COLB does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 22.04%
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. Health

2.1 Basic Checks

  • COLB does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • The number of shares outstanding for COLB has been increased compared to 1 year ago.
  • Compared to 5 years ago, COLB has more shares outstanding
  • 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

  • The Debt to FCF ratio of COLB is 0.90, which is an excellent value as it means it would take COLB, only 0.90 years of fcf income to pay off all of its debts.
  • COLB has a better Debt to FCF ratio (0.90) than 69.13% of its industry peers.
  • COLB has a Debt/Equity ratio of 0.08. This is a healthy value indicating a solid balance between debt and equity.
  • Looking at the Debt to Equity ratio, with a value of 0.08, COLB is in the better half of the industry, outperforming 72.82% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.08
Debt/FCF 0.9
Altman-Z N/A
ROIC/WACCN/A
WACC12.03%
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. Growth

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%.
  • Measured over the past years, COLB shows a very strong growth in Revenue. The Revenue has been growing by 30.64% on average per year.
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

  • COLB is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 5.28% yearly.
  • The Revenue is expected to grow by 8.94% on average over the next years. This is quite good.
EPS Next Y0.72%
EPS Next 2Y5.4%
EPS Next 3Y5.28%
EPS Next 5YN/A
Revenue Next Year22.36%
Revenue Next 2Y12.18%
Revenue Next 3Y8.94%
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 decreasing.
  • 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 1B 2B 3B
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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Find the best growth stocksShow best growing peers

5

4. Valuation

4.1 Price/Earnings Ratio

  • COLB is valuated reasonably with a Price/Earnings ratio of 9.70.
  • COLB's Price/Earnings ratio is rather cheap when compared to the industry. COLB is cheaper than 82.85% of the companies in the same industry.
  • COLB's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.64.
  • With a Price/Forward Earnings ratio of 9.63, the valuation of COLB can be described as very reasonable.
  • COLB's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. COLB is cheaper than 65.96% of the companies in the same industry.
  • The average S&P500 Price/Forward Earnings ratio is at 27.75. COLB is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 9.7
Fwd PE 9.63
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

  • The rest of the industry has a similar Price/Free Cash Flow ratio as COLB.
Industry RankSector Rank
P/FCF 13.16
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)13.42
PEG (5Y)1.31
EPS Next 2Y5.4%
EPS Next 3Y5.28%

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

8

5. Dividend

5.1 Amount

  • COLB has a Yearly Dividend Yield of 4.74%, which is a nice return.
  • COLB's Dividend Yield is rather good when compared to the industry average which is at 2.74. COLB pays more dividend than 87.86% of the companies in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.80, COLB pays a better dividend.
Industry RankSector Rank
Dividend Yield 4.74%

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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.5 1

5.3 Sustainability

  • COLB pays out 53.30% 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.
DP53.3%
EPS Next 2Y5.4%
EPS Next 3Y5.28%
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

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COLUMBIA BANKING SYSTEM INC

NASDAQ:COLB (2/23/2026, 8:00:00 PM)

After market: 30.07 0 (0%)

30.07

-1.69 (-5.32%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-22
Earnings (Next)04-21
Inst Owners97.97%
Inst Owner Change-3.41%
Ins Owners0.44%
Ins Owner Change2%
Market Cap8.88B
Revenue(TTM)2.79B
Net Income(TTM)564.88M
Analysts73.68
Price Target32.51 (8.11%)
Short Float %3%
Short Ratio3.31
Dividend
Industry RankSector Rank
Dividend Yield 4.74%
Yearly Dividend1.44
Dividend Growth(5Y)0.43%
DP53.3%
Div Incr Years3
Div Non Decr Years3
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)16.64%
Min EPS beat(2)12.52%
Max EPS beat(2)20.75%
EPS beat(4)4
Avg EPS beat(4)10.77%
Min EPS beat(4)2.82%
Max EPS beat(4)20.75%
EPS beat(8)7
Avg EPS beat(8)5.53%
EPS beat(12)9
Avg EPS beat(12)2.73%
EPS beat(16)11
Avg EPS beat(16)57.06%
Revenue beat(2)2
Avg Revenue beat(2)2.43%
Min Revenue beat(2)1.62%
Max Revenue beat(2)3.24%
Revenue beat(4)2
Avg Revenue beat(4)0.38%
Min Revenue beat(4)-3.09%
Max Revenue beat(4)3.24%
Revenue beat(8)3
Avg Revenue beat(8)-0.84%
Revenue beat(12)4
Avg Revenue beat(12)-2.12%
Revenue beat(16)6
Avg Revenue beat(16)-1.73%
PT rev (1m)5.52%
PT rev (3m)9.62%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-2.65%
EPS NY rev (1m)1.02%
EPS NY rev (3m)-1.61%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.33%
Revenue NY rev (1m)0.28%
Revenue NY rev (3m)-1.7%
Valuation
Industry RankSector Rank
PE 9.7
Fwd PE 9.63
P/S 3.47
P/FCF 13.16
P/OCF 12.32
P/B 1.14
P/tB 1.6
EV/EBITDA N/A
EPS(TTM)3.1
EY10.31%
EPS(NY)3.12
Fwd EY10.38%
FCF(TTM)2.29
FCFY7.6%
OCF(TTM)2.44
OCFY8.11%
SpS8.67
BVpS26.37
TBVpS18.8
PEG (NY)13.42
PEG (5Y)1.31
Graham Number42.89
Profitability
Industry RankSector Rank
ROA 0.84%
ROE 7.25%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 22.04%
GM N/A
FCFM 26.35%
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-Score6
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.08
Debt/FCF 0.9
Debt/EBITDA N/A
Cap/Depr 33.02%
Cap/Sales 1.78%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 119.53%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC12.03%
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)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)13.97%
EPS 3Y-0.74%
EPS 5Y7.39%
EPS Q2Q%15.49%
EPS Next Y0.72%
EPS Next 2Y5.4%
EPS Next 3Y5.28%
EPS Next 5YN/A
Revenue 1Y (TTM)44.73%
Revenue growth 3Y47.17%
Revenue growth 5Y30.64%
Sales Q2Q%48.07%
Revenue Next Year22.36%
Revenue Next 2Y12.18%
Revenue Next 3Y8.94%
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 1Y42.05%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y45.52%
OCF growth 3YN/A
OCF growth 5YN/A

COLUMBIA BANKING SYSTEM INC / COLB 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.


What is the profitability of COLB stock?

COLUMBIA BANKING SYSTEM INC (COLB) has a profitability rating of 2 / 10.


How financially healthy is COLUMBIA BANKING SYSTEM INC?

The financial health rating of COLUMBIA BANKING SYSTEM INC (COLB) is 3 / 10.


Is the dividend of COLUMBIA BANKING SYSTEM INC sustainable?

The dividend rating of COLUMBIA BANKING SYSTEM INC (COLB) is 8 / 10 and the dividend payout ratio is 53.3%.