COLB Fundamental Analysis - COLUMBIA BANKING SYSTEM INC

Fundamental Rating

Overall COLB gets a fundamental rating of 5 out of 10. We evaluated COLB against 391 industry peers in the Banks industry. While COLB is still in line with the averages on profitability rating, there are concerns on its financial health. COLB has a correct valuation and a medium growth rate. COLB also has an excellent dividend rating.

Quickly go to:

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.

Each year in the past 5 years COLB has been profitable.

In the past 5 years COLB always reported a positive cash flow from operatings.

1.2 Ratios

COLB has a Return On Assets of 1.02%. This is in the better half of the industry: COLB outperforms 65.98% of its industry peers.

Looking at the Return On Equity, with a value of 9.89%, COLB is in the better half of the industry, outperforming 64.45% of the companies in the same industry.

		Industry Rank	Sector Rank
ROA	1.02%
ROE	9.89%
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 (26.61%) than 67.77% of its industry peers.

COLB's Profit Margin has declined in the last couple of years.

The Operating Margin and Gross Margin are not available for COLB so they could not be analyzed.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	26.61%
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

More info and screens

ROA

ROE

ROIC

Operating and Profit Margin

Show most profitable peers

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.

Compared to 1 year ago, COLB has a worse debt to assets ratio.

2.2 Solvency

COLB has a debt to FCF ratio of 1.23. This is a very positive value and a sign of high solvency as it would only need 1.23 years to pay back of all of its debts.

The Debt to FCF ratio of COLB (1.23) is better than 64.19% of its industry peers.

A Debt/Equity ratio of 0.12 indicates that COLB is not too dependend on debt financing.

COLB has a Debt to Equity ratio of 0.12. This is in the better half of the industry: COLB outperforms 65.47% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.12
Debt/FCF	1.23
Altman-Z	N/A

ROIC/WACCN/A

WACC12.71%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

More info and screens

WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

Show peers with great health

3. Growth

3.1 Past

The Earnings Per Share has grown by an nice 10.98% over the past year.

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 -0.21% 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)10.98%

EPS 3Y-0.96%

EPS 5Y0.3%

EPS Q2Q%13.43%

Revenue 1Y (TTM)-0.21%

Revenue growth 3Y45.87%

Revenue growth 5Y26.71%

Sales Q2Q%8.21%

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 7.81% 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 15.25% on average per year.

EPS Next Y8.35%

EPS Next 2Y8.82%

EPS Next 3Y7.81%

EPS Next 5YN/A

Revenue Next Year16.55%

Revenue Next 2Y22.91%

Revenue Next 3Y15.25%

Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.

Although the future Revenue growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.

More info and screens

Find the best growth stocks

Show best growing peers

4. Valuation

4.1 Price/Earnings Ratio

COLB is valuated reasonably with a Price/Earnings ratio of 8.51.

Based on the Price/Earnings ratio, COLB is valued cheaply inside the industry as 88.49% of the companies are valued more expensively.

When comparing the Price/Earnings ratio of COLB to the average of the S&P500 Index (27.29), we can say COLB is valued rather cheaply.

The Price/Forward Earnings ratio is 7.47, which indicates a rather cheap valuation of COLB.

Based on the Price/Forward Earnings ratio, COLB is valued cheaply inside the industry as 84.40% of the companies are valued more expensively.

COLB's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.85.

		Industry Rank	Sector Rank
PE	8.51
Fwd PE	7.47

4.2 Price Multiples

COLB's Price/Free Cash Flow ratio is in line with the industry average.

		Industry Rank	Sector Rank
P/FCF	14.21
EV/EBITDA	N/A

4.3 Compensation for Growth

The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.

PEG (NY)1.02

PEG (5Y)28.66

EPS Next 2Y8.82%

EPS Next 3Y7.81%

More info and screens

Show best valued peers

5. Dividend

5.1 Amount

COLB has a Yearly Dividend Yield of 5.61%, which is a nice return.

Compared to an average industry Dividend Yield of 3.56, COLB pays a better dividend. On top of this COLB pays more dividend than 87.47% of the companies listed in the same industry.

Compared to an average S&P500 Dividend Yield of 2.38, COLB pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	5.61%

5.2 History

The dividend of COLB has a limited annual growth rate of 0.43%.

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)0.43%

Div Incr Years3

Div Non Decr Years3

5.3 Sustainability

COLB pays out 56.88% of its income as dividend. 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.

DP56.88%

EPS Next 2Y8.82%

EPS Next 3Y7.81%

More info and screens

Find the best dividend stocks

Show peers with best dividend

COLUMBIA BANKING SYSTEM INC

NASDAQ:COLB (10/16/2025, 8:00:01 PM)

Premarket: 23.49 -0.58 (-2.41%)

24.07

-2.07 (-7.92%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)07-24 2025-07-24/amc

Earnings (Next)10-30 2025-10-30/amc

Inst Owners72.06%

Inst Owner Change0.03%

Ins Owners0.5%

Ins Owner Change4.17%

Market Cap7.20B

Analysts70.53

Price Target28.99 (20.44%)

Short Float %2.21%

Short Ratio1.48

Dividend

		Industry Rank	Sector Rank
Dividend Yield	5.61%

Yearly Dividend1.44

Dividend Growth(5Y)0.43%

DP56.88%

Div Incr Years3

Div Non Decr Years3

Ex-Date08-29 2025-08-29 (0.36)

Surprises & Revisions

EPS beat(2)2

Avg EPS beat(2)7.67%

Min EPS beat(2)2.82%

Max EPS beat(2)12.52%

EPS beat(4)4

Avg EPS beat(4)8%

Min EPS beat(4)2.82%

Max EPS beat(4)12.52%

EPS beat(8)7

Avg EPS beat(8)3.72%

EPS beat(12)9

Avg EPS beat(12)74.69%

EPS beat(16)11

Avg EPS beat(16)55.92%

Revenue beat(2)1

Avg Revenue beat(2)0.68%

Min Revenue beat(2)-0.25%

Max Revenue beat(2)1.62%

Revenue beat(4)2

Avg Revenue beat(4)-0.14%

Min Revenue beat(4)-3.09%

Max Revenue beat(4)1.62%

Revenue beat(8)2

Avg Revenue beat(8)-1.47%

Revenue beat(12)4

Avg Revenue beat(12)-2.23%

Revenue beat(16)6

Avg Revenue beat(16)-1.83%

PT rev (1m)1.65%

PT rev (3m)2.49%

EPS NQ rev (1m)0.49%

EPS NQ rev (3m)6.03%

EPS NY rev (1m)-0.28%

EPS NY rev (3m)8.12%

Revenue NQ rev (1m)1%

Revenue NQ rev (3m)8.4%

Revenue NY rev (1m)1.45%

Revenue NY rev (3m)6.77%

Valuation

		Industry Rank	Sector Rank
PE	8.51
Fwd PE	7.47
P/S	3.62
P/FCF	14.21
P/OCF	13.04
P/B	1.35
P/tB	1.85
EV/EBITDA	N/A

EPS(TTM)2.83

EY11.76%

EPS(NY)3.22

Fwd EY13.38%

FCF(TTM)1.69

FCFY7.04%

OCF(TTM)1.85

OCFY7.67%

SpS6.64

BVpS17.86

TBVpS12.98

PEG (NY)1.02

PEG (5Y)28.66

Profitability

		Industry Rank	Sector Rank
ROA	1.02%
ROE	9.89%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	26.61%
GM	N/A
FCFM	25.51%

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-Score8

Asset Turnover0.04

Health

		Industry Rank	Sector Rank
Debt/Equity	0.12
Debt/FCF	1.23
Debt/EBITDA	N/A
Cap/Depr	32.2%
Cap/Sales	2.28%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	95.85%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score8

WACC12.71%

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)10.98%

EPS 3Y-0.96%

EPS 5Y0.3%

EPS Q2Q%13.43%

EPS Next Y8.35%

EPS Next 2Y8.82%

EPS Next 3Y7.81%

EPS Next 5YN/A

Revenue 1Y (TTM)-0.21%

Revenue growth 3Y45.87%

Revenue growth 5Y26.71%

Sales Q2Q%8.21%

Revenue Next Year16.55%

Revenue Next 2Y22.91%

Revenue Next 3Y15.25%

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 1Y40.95%

FCF growth 3Y39.61%

FCF growth 5Y25.99%

OCF growth 1Y50.58%

OCF growth 3Y40.99%

OCF growth 5Y26.34%

COLUMBIA BANKING SYSTEM INC (COLB) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens