COLUMBIA BANKING SYSTEM INC (COLB) Fundamental Analysis & Valuation
NASDAQ:COLB • US1972361026
Current stock price
29.65 USD
+0.65 (+2.24%)
At close:
29.65 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.
1. COLB Profitability Analysis
1.1 Basic Checks
- COLB had positive earnings in the past year.
- In the past year COLB had a positive cash flow from operations.
- COLB had positive earnings in each of the past 5 years.
- In the past 5 years COLB always reported a positive cash flow from operatings.
1.2 Ratios
- COLB has a Return On Assets (0.95%) which is comparable to the rest of the industry.
- COLB has a worse Return On Equity (8.12%) than 64.10% of its industry peers.
| Industry Rank | Sector 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
1.3 Margins
- The Profit Margin of COLB (22.80%) is worse than 63.30% of its industry peers.
- In the last couple of years the Profit Margin of COLB has remained more or less at the same level.
- 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) | 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
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.
- The number of shares outstanding for COLB has been increased compared to 1 year ago.
- 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.
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's Debt to FCF ratio of 0.91 is fine compared to the rest of the industry. COLB outperforms 69.95% 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.
- With a decent Debt to Equity ratio value of 0.08, COLB is doing good in the industry, outperforming 71.81% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.08 | ||
| Debt/FCF | 0.91 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC11.81%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. COLB Growth Analysis
3.1 Past
- The Earnings Per Share has grown by an nice 14.96% 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.
- COLB shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 19.26%.
- COLB shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 30.64% yearly.
EPS 1Y (TTM)14.96%
EPS 3Y-0.74%
EPS 5Y7.39%
EPS Q2Q%7.46%
Revenue 1Y (TTM)19.26%
Revenue growth 3Y47.17%
Revenue growth 5Y30.64%
Sales Q2Q%37.78%
3.2 Future
- COLB is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 5.79% yearly.
- The Revenue is expected to grow by 8.69% on average over the next years. This is quite good.
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
- 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.
- The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. COLB Valuation Analysis
4.1 Price/Earnings Ratio
- The Price/Earnings ratio is 9.41, 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 87.23% of the companies in the same industry.
- Compared to an average S&P500 Price/Earnings ratio of 27.47, COLB is valued rather cheaply.
- A Price/Forward Earnings ratio of 8.65 indicates a reasonable valuation of COLB.
- Compared to the rest of the industry, the Price/Forward Earnings ratio of COLB indicates a somewhat cheap valuation: COLB is cheaper than 78.19% of the companies listed in the same industry.
- COLB's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.62.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.41 | ||
| Fwd PE | 8.65 |
4.2 Price Multiples
- COLB's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 12.18 | ||
| 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)30.55
PEG (5Y)1.27
EPS Next 2Y5.18%
EPS Next 3Y5.79%
5. COLB Dividend Analysis
5.1 Amount
- COLB has a Yearly Dividend Yield of 4.99%, which is a nice return.
- 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.
- Compared to an average S&P500 Dividend Yield of 1.81, COLB pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.99% |
5.2 History
- The dividend of COLB has a limited annual growth rate of 0.01%.
- 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)0.01%
Div Incr Years4
Div Non Decr Years4
5.3 Sustainability
- 52.62% 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.
DP52.62%
EPS Next 2Y5.18%
EPS Next 3Y5.79%
COLB Fundamentals: All Metrics, Ratios and Statistics
29.65
+0.65 (+2.24%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-23 2026-04-23/amc
Earnings (Next)N/A N/A
Inst Owners101.84%
Inst Owner Change0.43%
Ins Owners0.44%
Ins Owner Change-0.95%
Market Cap8.60B
Revenue(TTM)2.30B
Net Income(TTM)636.61M
Analysts73.68
Price Target32.85 (10.79%)
Short Float %3.89%
Short Ratio3.65
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.99% |
Yearly Dividend1.33
Dividend Growth(5Y)0.01%
DP52.62%
Div Incr Years4
Div Non Decr Years4
Ex-Date02-27 2026-02-27 (0.37)
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 Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.41 | ||
| Fwd PE | 8.65 | ||
| P/S | 3.08 | ||
| P/FCF | 12.18 | ||
| P/OCF | 11.53 | ||
| P/B | 1.1 | ||
| P/tB | 1.52 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.15
EY10.62%
EPS(NY)3.43
Fwd EY11.57%
FCF(TTM)2.43
FCFY8.21%
OCF(TTM)2.57
OCFY8.68%
SpS9.63
BVpS27.04
TBVpS19.47
PEG (NY)30.55
PEG (5Y)1.27
Graham Number43.7737 (47.63%)
Profitability
| Industry Rank | Sector 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 Rank | Sector 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
WACC11.81%
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)14.96%
EPS 3Y-0.74%
EPS 5Y7.39%
EPS Q2Q%7.46%
EPS Next Y0.31%
EPS Next 2Y5.18%
EPS Next 3Y5.79%
EPS Next 5YN/A
Revenue 1Y (TTM)19.26%
Revenue growth 3Y47.17%
Revenue growth 5Y30.64%
Sales Q2Q%37.78%
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.