COLUMBIA BANKING SYSTEM INC (COLB)
US1972361026 - Common Stock
Taking everything into account, COLB scores 4 out of 10 in our fundamental rating. COLB was compared to 411 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.
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.
COLB had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
COLB has a worse Return On Assets (0.67%) than 67.15% of its industry peers.
With a Return On Equity value of 6.98%, COLB is not doing good in the industry: 68.86% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.67% | ||
| ROE | 6.98% | ||
| ROIC | N/A |
ROA(3y)0.96%
ROA(5y)1.03%
ROE(3y)8.7%
ROE(5y)8.31%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
With a Profit Margin value of 17.46%, COLB is not doing good in the industry: 74.21% of the companies in the same industry are doing better.
COLB's Profit Margin has declined 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 Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 17.46% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-11.73%
PM growth 5Y-10.35%
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.
Compared to 5 years ago, COLB has more shares outstanding
COLB has a worse debt/assets ratio than last year.
2.2 Solvency
COLB has a debt to FCF ratio of 1.01. This is a very positive value and a sign of high solvency as it would only need 1.01 years to pay back of all of its debts.
The Debt to FCF ratio of COLB (1.01) is better than 75.43% of its industry peers.
COLB has a Debt/Equity ratio of 0.14. This is a healthy value indicating a solid balance between debt and equity.
The Debt to Equity ratio of COLB (0.14) is better than 69.59% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.14 | ||
| Debt/FCF | 1.01 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC14.5%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
COLB shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -21.14%.
Measured over the past 5 years, COLB shows a small growth in Earnings Per Share. The EPS has been growing by 1.16% on average per year.
Looking at the last year, COLB shows a very strong growth in Revenue. The Revenue has grown by 176.61%.
COLB shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 28.63% yearly.
EPS 1Y (TTM)-21.14%
EPS 3Y4.83%
EPS 5Y1.16%
EPS growth Q2Q-50%
Revenue 1Y (TTM)176.61%
Revenue growth 3Y48.93%
Revenue growth 5Y28.63%
Revenue growth Q2Q173.24%
3.2 Future
COLB is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 3.49% yearly.
Based on estimates for the next years, COLB will show a small growth in Revenue. The Revenue will grow by 1.04% on average per year.
EPS Next Y-6.1%
EPS Next 2Y2.68%
EPS Next 3Y3.49%
EPS Next 5YN/A
Revenue Next Year-3.5%
Revenue Next 2Y-0.19%
Revenue Next 3Y1.04%
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
With a Price/Earnings ratio of 7.72, the valuation of COLB can be described as very cheap.
Based on the Price/Earnings ratio, COLB is valued a bit cheaper than 79.08% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 25.20. COLB is valued rather cheaply when compared to this.
With a Price/Forward Earnings ratio of 8.22, the valuation of COLB can be described as very reasonable.
Based on the Price/Forward Earnings ratio, COLB is valued a bit cheaper than 79.56% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 21.63. COLB is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.72 | ||
| Fwd PE | 8.22 |
4.2 Price Multiples
COLB's Price/Free Cash Flow ratio is rather cheap when compared to the industry. COLB is cheaper than 81.27% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6.03 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)6.66
EPS Next 2Y2.68%
EPS Next 3Y3.49%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 7.50%, COLB is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 3.86, COLB pays a better dividend. On top of this COLB pays more dividend than 96.84% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.44, COLB pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.5% |
5.2 History
On average, the dividend of COLB grows each year by 10.47%, which is quite nice.
COLB has been paying a dividend for at least 10 years, so it has a reliable track record.
COLB has decreased its dividend in the last 3 years.
Dividend Growth(5Y)10.47%
Div Incr Years2
Div Non Decr Years2
5.3 Sustainability
77.50% of the earnings are spent on dividend by COLB. This is not a sustainable payout ratio.
COLB's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP77.5%
EPS Next 2Y2.68%
EPS Next 3Y3.49%
COLUMBIA BANKING SYSTEM INC
NASDAQ:COLB (4/26/2024, 2:40:00 PM)
19.295
+0.29 (+1.5%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap4.04B
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.5% |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.72 | ||
| Fwd PE | 8.22 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)6.66
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.67% | ||
| ROE | 6.98% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | 17.46% | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.14 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)-21.14%
EPS 3Y4.83%
EPS 5Y
EPS growth Q2Q
EPS Next Y-6.1%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)176.61%
Revenue growth 3Y48.93%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y